 What happened last time, you are so confident? Yes sir, last time in interview I got good marks like 1-8 year above but in my mains I have just reduced some 10 marks near to cut also. It's an unusual problem, a reverse problem. Ok, ok. Your hobby is organizing events for neighborhood children. Yes sir. What events are you organizing? Sir, I used to organize events like quiz competitions. Sometimes to exhibit their own talents and interests such as singing, dancing and the role plays what they are having in their mind, some kind of ideas to create awareness and they have learned in their school books. These are the things I used to organize for them sir. You are interested in music and singing? Yes sir. But have you learnt anything classical music? Sir, so far I didn't go for any classical music classes but I used to have the practice of singing in my house itself and other kind of music also I used to listen which are available in online and in other cassettes also. But with that background you keep on singing? Yes sir. Ok, ok. Foreign service is not opted. Last year I had very high hopes that you will definitely get into it. Yes sir. Last year when I saw you and your answers they were very nice. Now we have this Citizenship Amendment Act. There is protest everywhere. What is your opinion on Citizenship Amendment Act? Sir, I think Citizenship Amendment Act really in this server it is really needed but we need some more changes also. As it is just giving the minority people of these three countries like Afghan, Bangladesh and Pakistan. It can be include other people like Agamadhyas from Pakistan. As it based on the cultural connectivity and the historical connectivity of those region people those who are having with India it can be extended to them also. So I need some more changes can be make the people to feel comfort and understand about the amendment really sir. But it does not have a category 14 and 15? Sir, right to equality is there but India is the land of the people those who are coming here with that cultural and other related backgrounds. So as it is a motherland for all these neighbouring nations it can extend its like ability to help those people by giving them citizenship as they are living here for a long period of time. But some eminent persecuted groups have been left out from other countries. What are they? Sir, I think Rohingyas from Bangladesh and Sri Lankan refugees also. From China? Sir, I unable to recollect the issue exactly but it was with the debate during the 1970s it has happened. The Uighur Muslims of Jigjian they are also persecuted quite a lot, isn't it? Yes sir. And what are your comments on these things? Sir, I think we should make the policy very clear. The amendment very clear to every citizen of India that we are taken this move now. It is not simply to give them the citizenship alone. It is for our soft corner towards the people those who are immigrated to India and for the next generation also because we have their real resources and more opportunities to provide them also. So I think we have to move on that way. Recently Nurbhaya case was in the headlines. The punishments for people who are responsible for the rape and murder may be capital punishment will be given to them. How do you look at the capital punishment as a form of punishment for dispensing justice? Sir, capital punishment in my opinion it can be given for the rarest of the rare case because every punishment should be in the reformative way but this is something violence against women and violence against children where the human nature itself it's not there. It should be condemned and the capital punishment really create deterrence in the society. So it should be there for the rarest of the rare case I feel sir. An incident in Hyderabad recently well maybe justice is often delayed. People themselves personally say people themselves came there was an encounter and then the people behind that incident they were killed. Are you aware of that incident? Yes sir I am aware about that. How do you look at that incident? Because the issue hasn't come to the court well. Sir though the issue has come to the court now and Human Rights Commission also have taken this issue and I feel the police officials who are involved in the investigation of this process have done their role best just because they were the so called accused where in the mood to escape this encounter action have been taken by them. So it should be done clearly through the judiciary and proper investigation more I feel sir. Thank you. Thank you sir. Hello sir. You have mentioned like Thirukural competition from World Thirukural Player away and all right. Yes sir. So what is your which is your favorite Thirukural? Sir my favorite couplet is comes in the chapter of that is about the energy. It means every human beings should think high whether the aim is going to be achieved or not but think high work more. This is the couplet I like sir. Very good. So nowadays you know in newspapers you might have seen other people they put like a ruler in a coffee dress and other things. What is your opinion on that? Sir this is really unfortunate and it should be avoided because of some politicization. People those who are really unaware about the value of Thiruvalliway and the couplets he has given to the world the whole human society it has been done in this way but it should be made clear this kind of action should not be continued here after. So the investigation and people how they should respect the poets and the literature of Tamil in the further manner should be taught by the officials I feel sir. So in last couple of weeks we heard about this 5th standard and 8th standard exam. Is it necessary for this 5th standard and 8th standard public exam for the school kids in Tamil Nadu? Sir I don't think the 5th standard and 8th standard students should be given with public exams because exams are something which really creates the fear among the students nowadays. It can be there for the 10th and plus 2 level exams but to test the quality of the children of their standards can be done by the other school's question papers other school teachers it can be done through that manner really check the quality and bring out the value of the education of that particular institute sir rather for going for public exams for these small children. Already the government might have been discussed all these things with other you know a lot of educationalists are there in Tamil Nadu particular. So what we you know they can like you know go about it or like they can convince it. Sir instead of going for public exams we may say district level exams for the 8th standard students as they are in the 13-14 age group but for the small children like 10 year age group who are in the 5th standard can be deal with other schools in the particular district they may have particular zone so that the educational background extracurricular activities both can be taken into account they will be just test those things with the association of teachers and parents we may make this point clear to the officials also. So you are from Madurai right? Yes sir. What is the unique thing in Madurai? Sir Madurai is famous for its culture it is known as temple city and also for Jasmine flood. Very good sir. Sorry sir Purnasundari. Purnasundari. Purnasundari. What is the meaning of your name? Sir Purnasundari means complete fulfillment and Sundari means beauty. According to this PIA protest most of the places women are leading the spreadings. Sir can I have the question once again please? In most of the places people are protesting against the same country of places women are leading that protest march. They are participating in a huge number. In certain places they only stage the protest. This is a new development in democracy. Sir as India is in the transition mode in every issues women involvement is really high it is really huge in number more number of women are coming forward and protesting even in this issue as people have felt that right to equality is really affected more number of women as they are from some other minority group they do feel that their rights of having employment opportunity, education for their children everything can be affected in some time. Because of that lack of awareness and the rights they really do not want to just to give not they are coming and protesting now sir. Police is handling them in a brutal way. They are describing that. What do you think? I see this it is happening even in some corner some packets of India because in most of the areas people are just damaging the public like I mean it is what they are available with like the buses and other institutions but treating them brutally it should be avoided. So nowadays the online media like WhatsApp and other things are really portraying through the videos they have taken. So that is transparency if they are really involved in some kind of actions that is treating them brutally it should be avoided and it should be bring out to the judiciary and proper investigation should be done. What is the aim of our jurisprudence? Sir I would say it should reform on the basis because more number of people are involving in crimes and they are really going against some kind of initiatives and other policies taken by the government for the money. So it should be on the reformative basis. So the proper way of thinking and giving them counselling will work out more. Have you ever come across the JJ Act? I am sorry sir I unable to recall about it. Yes thank you for the information. It is revoked in Uttar Pradesh. The protestors brought their children to the protest. So children participating in the protest is against their interest and the government is revoking that and filed cases against them or their parents. Sir I think it should be go for the reconsideration because children at this very engage they will follow automatically what their parents are telling to them what they are in what way they are guiding. So it should be go for the reconsideration and children should not be affected for the actions of what the parents are their guardians are taking. It will lead to some kind of misuse of these small children also. It also affects the future of those children sir. So it should be avoided I feel. Yes sir you are working in Pannuad Grammin Bank. Yes sir. Can you tell us in shorter words the functioning of the Grammin Bank Sir Tamil Nadu Grammin Bank it is newly emerged in the year of 2019 April. Earlier it was like Pandian and Palavan Grammin Bank in Tamil Nadu. The main function is giving attention to the rural and suburban areas where we are having more number of agrarian based workers the farmers and the self-help groups like women. So these people are really given attention and for having deposits like recurring deposits and fixed deposits from them giving them the joint loan and other manufacturing SME loans are being done clearly by the help of these Tamil Nadu Grammin Banks. Is it true that the Indian banking is undergoing a crisis? If it is so please explain us in simple terms. Yes sir really now the banking system Indian banking system is in the crisis because of the bad loans and the NPA. Nowadays the willful defaults and the economy have changed the plot of the loanies who have taken loans from these banks. So the recapitalization of the government and strengthening the economy by reducing reparates and other investment policies like single window clearance for the SMEs really helping the people to come forward and have better access with formal financial institutions like banks. So the banks ultimately having know about these areas where they have to give advances for the people and they can function better also. The merging of these banks like Pandian and Palavan really enhanced the administration and attention for the areas particularly for the demand of those areas if it is in the Kanyakumari the district located in the southern part of Tamil Nadu where the fishermen have been given much attention. Those kind of schemes also included in this bank now. So it will make more access to the bank as well as it really helps the bank to make the financial stability. So who is responsible for the bad loans? Sir. Is it the system, the RBI, individual nationalized big banks like the State Bank of India etc. etc. or the rulers the political class as such responsible for the bad loans and the NPA? Sir, I will go for both. First of all the customers when they ask for loan because of lack of transparency and the inclusiveness of data in what are the banks they have taken already the advance. Now it has been developed. The system is being developed now so we could know he is willful defaulter already but earlier because of lack of information sharing it has happened. On the other hand the managers of the branches are also should know in what are the areas they could give advance so that the society and the people can get benefit of it the bank financial stability are also will be there. So the lack of these two areas I feel so. Can we name and shame the defaulters? Sir, so far I could recollect the huge willful defaulters like Nirao Modi and Vijay Malaya who were just gone of that time. What about Chandra Kochar? Yes sir. You agree with that? Sir, actually it was the conflict of interest so the proper investigation can be done. Out of that we can come to the conclusion I feel so. Is it worthwhile considering that time has come now to reconsider the nationalization of banks? Certainly yes sir because after nationalizing the banks in 1960s more number of banks are there because earlier because of the private banks customers felt the insolvency and bankruptcy also happened huge in number. Now it has been reduced and it has been regulated by the central bank RBI with proper guidance and nabard also on the other hand regulating the banks like Gramin Bank so that is stability and nationalization really helped a lot sir. Okay, so when I asked you about Citizenship Act and Article 1415 you have used the word citizenship two three times. Actually Article 14 is not meant for citizens, meant for all persons. All persons, thank you. So they will be given citizenship. Okay, so only after that they become citizens. Read about little more because that is the major bonding issue these days. Little more. I think put the depth of it. I will ask other questions. Others have to ask but read about it. Okay. Sure sir. Things are alright. Thank you. Thank you sir. Thank you.