Railways New Vision 2020

•Linke Hofmann Busch (LHB) Coaches designed for high-speed operations by expansion of existing ICF factories and usage of existing workshop areas for manufacturing more of them and the newly designed coaches under "Make in India" by Bhopal factory with swanky coaches. LHB coaches it seems need power coaches it seems. But not many were manufactured in recent times. The LHB coaches will prevent jerks in trains and improve faster starting from stations and stopping stations.
•A new facility must be created in all major coach manufacturing centres in existing ICF, kapurthala, bhopal, rae baraeli and other coach making centres with complete automation and robotic arms based workshop separately constructed to implement more coaches to cater to the vast population and to use in dense routes to fulfill too much demand for train coaches. The entire end to end automation with robotic arms with railway employees doing just monitoring and verification of the parts made by automated systems. Siemens and major automation companies globally must be invited the secrecy of the coach designs must be kept secret at the same time Railways must increase speed of making coaches by automation of coach manufacturing similar to Car manufacturing companies where each part is automated with CNC machines to cut out of metals and joined together and painted automatically by robotic arms. This will lead to investment of 1500 crores for each facility will save lot of cost and save time in long run and increase efficiency and output. Automation is global trend in manufacturing and should start with Railways in big way to save time & money which is very important economic factor.
•The above coach designing for passengers and wagon designing for coal movement, petroleum movement, milk vans, roll-on and roll-off wagons can be designed by automated facilities in even balance so needs of Railways are fulfilled. Railways will benefit from current manual manufacturing and automated process to increase capacity. The new facilities should be done in existing plants also like ICF and other places of important Railway assets with latest Automation techniques, CNC machines, automated painting, etc,. to improve capacity of railways. Currently in spite of availability of hours of windows in many routes for operation Railways is not able to operate more trains due to lack of coaches. Once automation starts picking up as stabilization of systems will take at least 3 years and workers getting used to it till that manual and automation can go in parallel as robotics can work 24 *7 with ease without stopping.
•Increase height of lower berth in future coaches to accommodate 2 levels of bags as more middle class moving to upper middle class the number of luggage carried has increased. Or provide facilities similar to luxury buses with slots near entrance to keep bags and lock them with help of attendant. The facility can be started in A/C coaches in trial or can be passed on to Carriage Rehabilitation Centre, Bhopal. Most of the tour going passengers and long distance face difficulty in carrying lot of luggage as passengers who get on board in stations which are not in departure stations as passengers who are already boarded use all of the space.
•Separate Air Flow in A/C coaches to each berth at face and leg side of berth with controls to regulate air flow individually. Overall control for the cabin to control A/C flow needed with regulator like control used in hotels with automation devices. Even if overall flow of cabin is controlled from top and bottom flow. The individual berth controls can be given to passengers also to control
•Vending machines in major long route trains traveling more than 12 hours in day time or non pantry trains to buy snacks, fruit juice, water bottles, etc,. by paying with debit or credit card or irctc travel card(newly launched) or by cash payment accepting all major denominations and coins (Rs.1,2,5,10,20,50,100,500,1000). there are vending machines existing which can be used for passengers to get food or snacks of choice. This facility will help in non pantry trains to serve passengers also. The staff at selected stations where train stops for more than 20 mins can be used to refill the snacks by IRCTC staff or railway staff. The option will enable railways to earn lakhs in revenue. 
•ATM in selected long distance trains under Railway Board privileged trains to enable long distance trains more than 12 hours day time to enable passengers to buy snacks if they lack cash or missed at times. Enabling more ATMS in all railway platforms where trains stop more than 20 minutes. The railways will earn lot of revenue in this method and allocating space in platforms identified across India in rental model with entire e-auction facility with small quota for public sector banks compulsorily. At least 2-3 vendors can be chosen per Railway station and not all platforms must be given to one vendor alone. The Railways will earn revenue from the rental model similar to banks renting ATM from public for operation. ATM in long distance trains and in selected platforms will help passengers.
•Provide fans for each berth in sleeper coaches to enable better ventilation in summer climate for passengers. Centralized fans are not helping during summer. Fans above windows and below chains with individual focus for middle and upper berth to use in hot climate.
•Allowing passengers to select train seats in coaches by paying premium amount for non senior citizens to select seats based on preference. The seat selection per passenger can be at Rs.20/seat to enable long distance travellers and family get together well plan the travel and enable smooth travel with planning of seats in clubbing together by choosing when booking. The facility is not needed for tatkal. The facility will be a major value added service. Railways will earn several crores of revenue from this.
•New Ladder concept or mini lift concept with sitting or sleeping position to enable older people who got wrong seat booked to book with ease. The mini lifts in sitting portion or sleeping portion will help passengers to roll on to berth with ease even if allotted in top berth or side upper berth. Initially railway staff and attendants can help over years the next generation or passengers will help one another to go with ease.
•Need for multi-level bike and car parking in all major busy stations where both suburban and express train stops. The multi-level bike and car parking will enable passengers to leave vehicles in stations and go to office with ease. Multi-level car and bike parking must be done in BLOT mode so that contractors must build and operate for period of 5 years to earn revenue and then hand over to Railways. Railways is providing land so railways need not invest any money. 
•New IRCTC travel card needed with RBI approval for booking tickets and doing transactions. The travel card will enable swipe options in future to enter stations and the money is automatically deducted similar to Metros. The IRCTC travel card must be issued free of cost to passengers to enable better penetration to bring in cashless travel and adding money in these cards with money from debit or credit or any bank account for usage. The travel card must have features combined of all metros features and enable seamless travel across Railways across India to book suburban tickets, etc,. The R-Wallet can be integrated into IRCTC travel card.
•Changing senior citizen rules for women to 50 for better seat facilities as current 60 for women is not possible for women to climb to middle or upper berth. Please change the seat booking under citizen for women to 50 immediately as welfare measure
•Making PPP model realised in all Chennai MRTS stations which scope for immense revenue generation with building mini theatres of 4 no's to increase usage. Any theatre can be selected by PPP operator for each station to improve revenues. Chennai is known for cinema and the public have so much liking for cinema. Hence more cinema theatres will help more usage of MRTS and extension of MRTS to kelambakkam along IT corridor.
•Existing Metro coach manufacturers can be invited to make EMU and DEMU coaches in India to replace outdated suburban coaches with new facilities and A/C EMU coaches in all suburban trains at premium rates to charge more rates and ease pressure for ease of travel.
•The unreserved coaches should have individual seats instead of berths to enable more people to occupy. The current berths in unreserved only 4 -5 can sit. If individual seats like buses are provided it will double occupancy.

Railway Budget – Pass to budge team– New Trains, New station terminal – Tambaram, New Electrification Request, New Train Circuits – For 108 Diya Desam of Vishnu temples, 12 Shiva lingam circuit or trains, new revenue sources, New 50 km Train Route – Thanjavur to Pattukottai via Orathanadu

•Expecting at least 100 new trains will be launched as last 2 years no major new trains announced in budget. So to cover at least 100 + trains needed. Please create enough coaches faster to compliment demand. As passenger traffic increases definitely revenue will shoot up. Some new trains suggestions.
•New Trains – a) Rameswaram to Jammu Tawi (Sri Matha Vaishnav Devi) b) Dibrugarh to Rameswaram c) Okha(Gujarat) to Dibrugarh
•Linking of major temples of 108 divya desams of Lord Vishnu temples – Tirumala(Andhra)- Ayodhya (UP)- Dwarka (Gujarat) - Padhmanbhaswamy (Thiruvanthapuram)- Srivilliputhur (Madurai) - Kanchipuram- Chennai(Thiruvallikeni)-Trichy(Srirangam)-Thanjavur-Mayiladuthurai-Madurai-Tirunelveli-Kanyakumari. Overview but plan the stops accordingly.
•Velankanni/Karaikal/Nagapattinam to Mysore train as crowd in existing train from Thanjavur to Mysore is over crowded and no seat available.
•Electrification of Trichy-Thanjavur. Please give funds and approval for 50km line Thanjavur to Pattukottai via Orathanadu pending for decades now a need of the people for generations. It will help connectivity a great way.
•Tambaram to Thiruvannamalai direct passenger trains daily as lot of passengers go to visit a major Shiva temple
•Making Tambaram as 3rd terminal in Chennai and starting of trains to Mumbai, Gujarat, Rajasthan and southern districts of Madurai and Thanjavur as load in Egmore and Central station is too high leading to new trains not being run
•Chennai to Shirdi trains be made available daily for devotees. Please.
•Connecting of 12 Shiva lingam temples. Somnath – Varnasi – Dwarka - Srisailam – Ujjain – Omkareshwar – Kedarnath – Rameswaram. Please plan accordingly. Just overview.
•Raising suburban tickets by Rs1 from current rates in any section. If a ticket is Rs.10 it will become 11 if it is Rs5 it will become 6. so plan accordingly to raise to gain revenue. Suburban is under priced but you can raise 3 months after budget.
•Revenue from recycling of waste generated by travellers by having more plastic dustbins and handed over for good price for recycling. Each kg of plastic, paper waste can gain so much revenue. The passengers must be given plastic bag at their seats to gather all waste and put in the dustbin in coach and extra bags on request.

India – USA Relationship – A Big Step forward with reforms and closing long standing issues

•Friendship is one wherein a USA president can talk to Indian PM at any time and follow each others speech highlights and help each other on key issues before formal requests by govt secretaries. USA president talking to UK and Germany are totally different from talking to India. At least once a month phone talk with small note to media on what was discussed about.
•USA must provide separate quota for H1B for India similar to Singapore, etc,. For M.S., PH.D, medicine and outsourcing companies, other than the general quota for strategic partnership and to enable continuity of business in both sides. Many companies suffer due to non availability of H1B costing in loss of business and revenue on both sides as resources who don’t get H1B will move out to new opportunities and countries. India is very flexible to allow US businessmen who come on visit for outsourcing business. India helps run several USA corporations with ease.
•USA should stop funding to Pakistan for social welfare also which is re-directed by army for purchasing weapons. If they want you (USA) can send materials like rice, packed food, medicine, etc,. but not direct funding through cash.
•USA based companies have not done much to establish manufacturing in India compared to Japan, other than soft drinks, burger companies. USA can setup manufacturing in any of the corridors (highways) in India identified by Indian govt to setup American companies here.
•USA has not setup or taken up or come forward for any social issue based projects like recycling of waste, reverse osmosis from sea, drainage cleaning systems, purification of water, sanitation projects, cleaning ganga, Chennai Adyar river or Tesla’s low cost electric car for India
•Indians are very good in R&D but we don’t have the latest equipment to do the research and development. If some of the American companies can setup their R&D centres in India it will benefit both India and USA. Patents filed will give a lot of scope for revenue for the company which runs the R&D centre with advisory committee in USA guiding Indians here. This will enable USA saving on H1B visas and in turn earn revenue also. Instead of focusing on only restricting H1B visa USA must think  of these strategies which enables employment and research which brings in more revenue. Currently only GE, Microsoft, Yahoo, Google, Amazon have. What about others who want to grow.
•Microsoft if it can open operations in Chennai, India it will definitely boost its growth.
•Microsoft also did not care to open the Nokia plant in Chennai due to non tax payment by Nokia. Microsoft since it has acquired Nokia should work out the tax to be paid to Indian govt by discussion at govt level and start production to sell mobile phones and tablets across India and Asia from this plant.
•Depending on China totally for product manufacturing will make USA companies too dependent. Indians are known for honesty and not copying others works. Chinese have copied and sold duplicate versions of all products which were given for production there. But the products so fare manufactured in India don’t have duplicate copies. You can understand the genuine and honest nature of the workers in India from this itself. Indians have always looked up to USA as friend, we continue to see that way. Hope the above problems are sorted out.

Airlines 5/20 Policy - Policy Revision Suggestions

•5/20 Relaxation Effects: Airlines who are subsidiaries of foreign companies with base outside India will use relaxation in policy to fill fuel outside India and continue to use same aircraft for domestic travel instead of fuelling in India as cost of ATF fuel is high in India. Example: Air Asia with base as Malaysia and Petronas a Malaysian govt company will benefit, Singapore airlines also will benefit and Indian airline companies will not be profitable. This is a hidden point behind pushing of rules by foreign airlines to get foreign routes to profit faster and we will lose revenue from sale of fuel from public sector oil
•5/20 if relaxed will put govt in legal battles as many companies which are struggling to get out of debt. So govt should setup a separate committee to review 5/20 policy alone since any govt decision will be seen as favouring some companies like air Asia and vistaraleading to problems at parliament and legal later. Even Air India will lose market severely if rules are relaxed so easily for new comers without much sub clauses
•Generally more the aircrafts the employment will be high and growth and revenue but years don’t matters so aircrafts policy must be minimum 15 aircrafts. The below ideas will be simple and neutral stand to old airlines and protect public from reduced domestic flights by operating more flights abroad in near future. At the same time give opportunity for new ones to try to enter Indian market with more aircrafts so that they can get to fly abroad in 3 years which is a short time frame in airline industry for their high investment
•The year rule should be kept at minimum 2 years to check their operation by AAI, passengers, Govt and security and 2 years will promote more airline ventures to try as 2 years is small time frame for them.
•All airlines are plying only in heavy demand route and smaller airports don’t have direct flights or very less flights and less growth and loss operations. So flights from these small airports which currently there is not much traffic to foreign airports directly & mainly without immediate transit in India before going to foreign airports should get maximum relaxation in rules like 2/10 will promote travel and revenue to these small airports. These airports list govt must revise every 1 year. The list should not include any airports from which there are any international flights currently or from immediate transit of 4 hours. If airlines really want to fly govt can give Ex: Manali, Tirupathi. But aircraft's increased at 3 per year till 5/20
•Or 3 years/35 or 3 years/40 & aircraft's count should be kept high above current limit of 20 so that domestic traffic is not affected on the verge of foreign trips by these aircraft's to fill fuel at low cost or the count of aircraft's at least close to what existing airlines have without affecting their operations. If 3/30 or 3/35 not viable for them they can wait till 5/20 rule.
•Or 4yrs/30 or 4yrs/25 aircraft's so that new entrants can feel they have less years to go to target and old airlines feel that they got some benefit. If new airlines cant meet then they can wait till 5/20 rule.

State Bank of India & Public sector banks – Payment Bank like features to compete

1.RBI gave payment licenses since big banks were concentrating only on traditional money transfer.

2.SBI and banks of PSB groups should use the mobile number associated with A/C to become payment banks
 
3.Recharge of Mobile/DTH/electricity bill/gas/grocery vendor/supermarket/shops by SMS from mobile to the bank number or toll free IVR by easy to use methods to recharge, without logging to any website or mobile app and reducing dependency on internet. 
 
4.Daily expenses on transportation like autos, govt buses, metros needs to be included in these methods to easily transfer to auto driver and MTC buses to avoid change/financial inclusion problem
5.Payments for groceries purchase without debit card swipe. Having a centralised toll free and SMS sending number by customer when he enters a shop the centralised number can be used to transfer money to the shop owner. The customer after entering the shop can call a IVR and enter the shop owner code and the amount to transfer and immediately the shop owner can check if transfer happened to any bank account. The money from the A/C of the mobile no will be transferred.
6.Your team must sit and think/brainstorm how to do the above 3 ideas are going to be done by payment banks. SBI after setting up this system can share with other public sector banks also and earn revenue from service provided to them and PSB’s compete as a whole unit against private payment banks together with single system. Either all PSB can setup a corpus to compete together the new payment banks as these ideas if implemented will bring heavy revenue and public support and help rural pick up in market. Govt should not be asked for funds.
7.SBI can keep some amount in wallet and some can be auto transferred to account automatically after some time.
8.Raising Fixed Deposit rate to promote FD and saying it as a better and safe opportunity compared to equity on returns with comparison chart. FD are major source of revenue for banks but keeping interest rates and tax high demotivated many. So raise interest rates soon. 15G and 15H are sources of income tax violations please correct it by working with income tax to avoid complications in future.

Start-up Culture in India – Big Push with Govt Funded Company & GDP Growth

•If Govt creates a new team/company who can identify good talent and companies and invest in them in any sphere with experienced teachers, professors, scientists, DRDO, Defence members, ISRO, physics PHD holders, IT mentors (most projects will be from IT), intelligence, police, banking, finance, rural ministries, NIC/C-DAC team to identify best tech in computers. The structure of this organisation should be like a private company with no interference from govt only as intermediator and chip in only on issues. The funds allocated in budgets can be used to form the company with CEO like architecture of Rs. 500 crores annually till the funding enables start up growth and impact on GDP. The company will help overcome dependency on international VC funds & boost GDP
•An idea can be ranging from manufacturing, bio-technology, solar, new inventions, research in unknown areas to space. The role of the company setup will be to hire proper resources and get work done at any cost from anywhere in the world after background checks by concerned agencies. Each idea must be demonstrated by the concept conceiver irrespective of age either college students, school students or working professionals or experienced. The concept is to drive more revenue by innovative ideas and more patents being filed in the country.
•Govt can provide equipment's with space in SEZ, servers to host data – windows, Linux, through cloud or Virtual servers for at least 3 years for the concept to be successfully. Students from colleges will require support from senior staff and friendly and motivated team to get it going. The students can bring in their own laptops or govt can provide desktops and laptops for work as long as their part of the company.
•Mobile development will be major region of focus for all start up so energetic team which can process and analyse best idea among them and support them. Some will bring in revenue some will be for social causes. Govt should balance both to sufficiently keep the company floating.
•Students in India from engineering colleges, MCA, arts graduates, IIT, IIM, IT employees who are first generation or want to try business funding must be directly from government and the loan payment should be done to banks. Govt and banks will take stake in the company once the company grows both the govt and banks will be benefited with the stake and can make money instead of new developers depending on foreign VC’s who are very authoritative and dictate terms to us.
•Failure rate of start up are high hence the organizations in which the govt invested if possible they must be given proper channels to move to some other company or pulled into necessary govt jobs if the ideas did not take off.

Banking Issues & Solutions

•Many banks ask us to come directly to branches for several things which is a heavy waste of time. Private banks allow any branch banking and are more user friendly and send required details to home address promptly. Public sector banks ask us to come to branch for everything like ATM pin replacement, new debit card, FD receipt, etc,. If they could send directly to home address it will help and avoid crowd at branches.
•Indian Overseas Bank has the worst online banking service in entire world.
•KYC compliance through post man to home address instead of we going to banks for everything.
•Money transfer through NEFT why restricted for certain hours and not instant. In case of shopping they allow to take place at any time. Either RBI staff should work at night time also anyway computer is going to do the stuff right. NEFT and RTGS at night will help in emergencies.
•ATM/Money Deposit Machine/Pass Book Entry at Govt bus stands, Govt schools especially in rural & inaccessible areas and post offices and all bank branches mainly.
•First credit card from bank without any question with low limit. Currently it is cyclic and no one gives first credit card and states no credit history. Only if some one gives first will credit history be created. Please fix this cyclic problem. Leading to credit pick up in retail