Sunday, June 25, 2017

India's Payments Banks - Will they Change India's Banking Sector?

Payments banks are predicted to change our country's poor banking system in coming days. As majority of payment bank licensee, approved by Reserve Bank of India are directly or indirectly related to Telecom industries, it can be assumed that India's telecom industry can be a partner in changing the banking landscape or banking system can be revamped by telecom majors-owned, stripped down version of conventional banks, which are in turn known as Payments Bank.

As per RBI norms, Payments banks have to focus on providing basic financial services, including social security and utility bill payments, remittance functions, and can mobilise deposits of up to Rs 1 lakh.

Payments banks differ from traditional banks, as they don't offer any credit card or loans. Also you can keep maximum of 1 lakh rupees in the payments bank account. Experts believe payments banks are not replacement of traditional banks but they can be the bridge between people without banking facilities and digital banking system, paving a way towards Digital India. Payments banks will be better than the e-wallet systems (Citrus Pay, Ezetap, Freecharge, Mobikwik, Citi MasterPass, Ola Money, Jio Money, HDFC PayZapp, ICICI Pockets, JusPay Safe, PayUMoney, LIME, MoneyonMobile, MomoeXpress, Mswipe, Oxigen, PayMate, State Bank Buddy, Vodafone M-Pesa, mRupee, ItzCash etc) which almost offers the same except interest, ATM cards and some other facilities like pure banking services like ATM usage, cheque book use etc. Interestingly e-wallet business got an escalation after demonetization (banning of old Rs 500 and 1000 rupees notes), though many think digital wallet business model is not viable.

Friday, May 19, 2017

JIO LTE vs Vodafone LTE in Kolkata

This is not accurate Jio vs Vodafone LTE comparison. 
Tested in Kolkata - 2 different locations. 
Comparison is based on maximum speed I received on Jio LTE and Vodafone LTE network. 




Wednesday, May 17, 2017

Coolwinks.com Review: Sunglass Bought on COD

Coolwinks Box
These days I would love to change my taste. Bit experimenting? Oh yes.

I don't shave with Gillette now, I use LetShave's products now.

Lenskart is definitely good for lens and glasses. There are some other lesser known alternative too. Coolwinks and Glassic. I tried Coolwinks, and found it is extremely cheap which made me a little skeptical. And Mouthshut reviews are mostly negative. Hence I put my order on Coolwinks by COD.

In 3 days the package was delivered in a good packing. The sunglass inside the box was intact (=not broken). It was said to be 100% UV protection giver, and I can't say that it's not.

Tuesday, May 16, 2017

Jio Pushes Mutation in Indian Telecom

Indian telecom was quite dull in 2015-16 until Jio stepped in and started offering free services. Entry of Jio, the ambitious telecom project by country's richhest man Mukesh Ambani has forced the Indian telecom to undergo a major reshape.

The most obvious change is merger and acquisition of telecom companies - which makes the telecom market quite smaller. If all go right, India will have only 5-6 players -
  • Reliance Jio
  • Airtel (acquisition of Telenor India, Augere Wireless, Videocon (partially) and 4G spectrum of Tikona & Aircel)
  • Vodafone-Idea (to be merged soon)
  • RCom-Aircel-SSTL
  • Tata Tele (rumor is they might merge with merged entity of RCOM-AIRCEL-SSTL)
  • BSNL/MTNL (there are chances that both PSU may merge)
Among all, Vodafone & Idea's merger seems to create strongest entity which may give real tough competition to Jio and Airtel.​ R​Com​-A​ircel​-MTS(+Tata Tele) does not seem to be in a position to create a stir in the market as their present 4G coverage is based on RCom's 850 MHz band only​ and may they extend 4G to 1800MHz band; but the super-merged entity would not have any 4G network on 2300/2500 MHz where Jio, Airtel and Vodafone-Idea are placed too firmly. ​

Monday, April 17, 2017

MTS's Promptly Sends Offers (though shitty) After You Raise a PortOut Ticket

I have been using MTS India's prepaid CDMA services for a very long time, probably from 2008 or 2009. However with the rise of Jio, I have to move to 4G/LTE. And since MTS will be taken over by Reliance Communications, the most untrusted brand of Indian telecom I need to bade a goodbye to MTS.

As soon as I sends MNP request to 1900, I got a prompt reply with MNP code and something unexpected. MTS, which is not responding to Jio/Airtel/BSNL/Vodafone/Idea's recent offerings sent a text, just after I got the MNP Code.

Apart from Aircel which is offering unlimited 3G data and voice like Jio's offerings (unlimited 4G data & voice), neither RCom nor MTS responded to market.

Wednesday, March 29, 2017

Jio's Slow Speed - Reason ?

Just yesterday I found out that Jio is using 10MHz of Band 40 to offer LTE data. (on JioFi2 device)

From the very begining Jio was offering 20MHz spectrum on this band (2.3GHz) along with 1800MHz and 850MHz band.

The reduction of 10MHz from band 2300MHz may cause slow speed on Jio LTE network.

However in Kolkata, where I took the screenshot, Jio has 30MHz of 2300MHz band. Is Jio using remaining 20MHz for LTE-Advanced or trials on 5G is on?

If I was in Mumbai I could have guess on 5G more specifically, but in Kolkata I am skeptical about it. Rather we can be on safe side - Jio is trialling for LTE-A in Kolkata.




Monday, March 27, 2017

​RCOM Mobile Webpage Revamped to Stunning Look

Recently RCOM has revamped its mobile website - it's now colorful, eye catching and full of features, except the tariff and services. What Anil d brother is doing? When Mukesh the bara bhai is making the incumbents' sleep disappear. 



Wednesday, March 01, 2017

JIO Effect - M&A Will Leave Just 5 Mobile Operators in India

If you see it correctly, Reliance Industries backed Jio had made a turbulence in the Indian telecom market. On the consumers' table Jio is playing by offering free data voice and digital services - which is actually disrupting the market by price game and service front. Jio continues to offer free services and extends it upto March 31, 2017 inspite of the complaints by the incumbents.

When we came to know about the existence of Jio, that's back in 2010 while Reliance Industries acquired pan India broadband spectrum winner Infotel Broadband (owned by Nahatas) just after the auction ended. RIL owned Infotel Broadband has gone through the makeover and it's now Reliance Jio Infocomm Ltd, a platform to offer digital services including 4G/LTE voice, LTE data, mobile TV, online music and movies, news, fiber broadband and many more. The plethora of RJIL services are being now offered under simple branding of 'JIO'.

We all know these, but in 2010 Indian telecom market was exploding with 12-13 operators in each circles. However in 2012 February Supreme Court cancelled the licenses issued in 2008; as a result many operators shut their stores across the country or partially - STel, Cheers Mobile left the business. MTS India, Videocon, Tata Docomo stopped services in few circles, Loop did not renew licenses and was sold to Airtel. After 2012, India's telecom sector had handful of operators - Airtel, Vodafone, Idea, BSNL, MTNL, Reliance Communications, Reliance Jio, Tata Docomo, Aircel, Telenor, MTS India and Videocon. (last 4 operators did not have pan India spectrum)

From 2010 to 2015 - every year I had a talk with Tarun, the founder of Telecomtalk that 'yeh saal sayed Mukesh Jio 4G launch karega' but it did not happen. In February 2015 Jio brought Jionet WiFi at Kolkata and therefore Jionet WiFi was extending to other cities too. However after the Q1 of 2016 we were getting hints that Jio is now on its way to launch LTE to aam admi very soon.

Personal Experience to Handle Post-intoxication Hangover


If you started drinking alcohols in your teen days and if you are near 30 you can see the difference when you are much drunk. You can't take the over-drinking much these days and oh fuck! that's hangover.

I am 27 right now, and I had started my social drinking at around 19. These days I hate the hangover more.

One of the reason we are facing hangover more because of liver's making two specific enzymes in a lower rate.

Prevention is better than cure:

1. Drink on such a day, you can take rest on the next day.
2. Judicious drinking - I prefer 3 pegs and not more at a go.
3. Drink water in the gaps.
4. Slow the drinking process, take your time. Relax and drink.
5. Don't fucking mix up. One glass of cocktail or one type of cocktail is okay but don't have many types of alcohols. If you mix up beer, whiskey and rum you will be doomed.
6. Slow down alcohol absorption rate in your body by taking water as told already. Remember protein chunks like chicken, beef or pork portions also help by slowing down it. So little bit oily starters do actually help to 'digest' alcohol.


Once you are fucked to have hangover:

1. Rest and take sleep if possible. It's often not possible as you have jobs to do.

2. Water, water and water: Drink water, hydrate your body

3. Fruits or juices: Go for a coconut water at the begining. Among fruits - orange, mushambi, apple, bananas are great.

4. Breakfast - skip or not - I in generally skip it but go for bunch at 11 am around with more fruits, chickens and others.

5. Proteins - Eggs - boiled/omelette or chicken soup can help.

6. Tea - herbal or green tea. I am not a tea lover, but I can tell you one secret - don't go for a coffee - it will further dehydrate you. Next don't drink a tea with milk - it might increase bloating and gastric upset. ( but cold milk is good in hangover unless you have lactose tolerance issue).

7. PPI - Hangover can be worsened with the gastric upset, so PPI can be a help. However I always use the combination of PPI+PKA (Proton pump inhibitors + Prokinetic Agents) in combination. Esomeprazole and Domperidon's combo seems to be best option.

Sunday, January 15, 2017

Jio RED Starter Kit

Jio has launched a new colored starter kits - Red, after Orange and Blue.

Just have a look :

Wednesday, January 04, 2017

FAQ to Jio 4G/LTE Voice Services

I already have been using JIO's digital services over Jio MiFi device since August end. I did not have much interest to get a JIO SIM for mobile as I did not like the idea to stand in a queue for long time to get a free SIM.

I had two barcodes - on Redmi Note 3 and Honor Holly and found that Honor Holly's bar code was stolen away already. So I prompted for using the barcode generated on RN3.

To my surprise the queue has been vanished and thanks to JIO's e-KYC solution the process is very fast.


1. What is JIO's e-KYC solution for SIM activation?

Jio makes the subscribers's document submission and activation of the connection on the SIM completely digital - it's superfast digital processing service by JIO e-KYC solution.

What you need to get a JIO connection in 10 minutes or less? Get a 4G smartphone, download MyJio app and generate the barcode. Now walk into any Reliance Digital store with your Adhaar Card and rest will be taken care of by the stuffs there. You will get a JIO SIM in few minutes after verification and submission of your application form online.

In my experience it hardly takes 5 minutes to complete the whole procedure.