Sunday, August 17, 2025

LIFE: Learn, Invest, Find Truth and handle Emotions

Interaction with District Development Managers (DDMs) of NABARD

Date: 21 July 2024  Venue: NABARD Staff College (NBSC)

 In July 2024, I got an opportunity to address new batch of District Development Managers (DDMs) of NABARD.  DDMs are NABARd officers functioning at district level overseeing and coordinating district level development agenda with special reference to NABARD's credit plan.  

The following is the essence of what I spoke. Though some of the points are specific to NABARD DDMs, the general applicability remains intact. I have pruned it to make it shorter. 


What is life?

Our life span is over 70 years.  We need to plan for it if we do not want to regret. DDMship is one phase in life. NABARD tenure is another stint. Everything adds to our life and hence if we live individual phases well, our overall life quality will be good.  Here is how I look at LIFE.   

What is life?

Learn

Invest and Innovate

Find truth

Emotions/expectations.. handle.

 Learn

·       Learn to have big picture and connect the dots. Develop perspective and framework for your work.

·       Be up-to-date in.

·       Get role clarity.. do what you are supposed to do. Remember Peter's principle.  If you become General Manager and happy performing Assistant Manager’s duties and take pride in that, you are not even fit to be an Assistant Manager. I believe we should think like the person one level ahead at least. That is, if you are an AGM at least you should think like a DGM.

·       Why Potential Linked Plan (PLP)? (PLP is an annual document prepared by DDMs giving blue print of credit and other strategies for each district). General feeling is that who reads it and so copy freely.  I remember the story of a sculptor who is not happy with a small mistake in his sculpture placed on a hill top. Most people tell him the mistake is not noticeable from such a long distance and hence, he need not worry much.  The sculptor answers them that he knows the mistake irrespective of who notices. PLP is DDM’s sculpture and he should strive it make it better.

·       District is your Karmabhumi as opposed to janmabhumi i.e. birthplace. In Indian thinking karma is supreme form of worship. We often hear that DDMs are eyes, ears, limbs and voice of rural people and NABARD. To be effective DDMs should have certain skills in collective data, collating information, reporting objectively. Hence, you should learn basics of conducting studies and acquire skills needed.  

·       How many of you are unwilling, cribbing and cursing DDMs? Dukhi atmas. See positivity everywhere. District is the fertile ground for personality development.  It is a laboratory subjecting you to real time experiments.

·       Think globally and act locally

o   List major international, national, local happenings that impact our work and rural economy. Connect what happens in your district with what happens around.

·       Learning is a lifelong process. Keep upgrading your self-- version 1.0, 2.0.... Onus is on you for this. Lot of opportunities and channels are there now to learn. Train yourself and compete with yourself. Keep learning from anyone, anybody, anytime.  Remember - survival of the learned is the mantra.

·       Learn to handle your 'learnedness'. Often people become arrogant and rude even with a limited knowledge. Learning adds life to our living. Learn to be modest even when learned. Learn to make choices and own them. Learn to let go and choose ur battles discretely.

·       Learn essential concepts required for your effective functioning. For instance, project cycle, basic principles of monitoring & evaluation of development projects, stock and flow variables, investment basics, growth rates, cropping intensity, real vs nominal, CoC vs CoP, gross vs net income, incremental income, cost concepts, MSP, GIS spatial maps, rationale behind PLP projections, etc. In the absence of the conceptual clarity, many PLPs contain simple, but avoidable mistakes.

Invest and innovate

·       Investing is tradeoff between present and future..discount the future appropriately. Invest wisely and responsibly.  Invest in yourself..build capacity with AI, etc. Try to excel yourself.

·       New works are always challenging but will add to your networth and network. Build networks and participate, eg Linkdin, etc

·       Invest time in relationships and in people who work for you.

·       Invest passion in projects you handle and take up your own projects and measure your success. Do not be kings and queens of routine. Innovate. Be tomato ketchup..its different.

·       Invest time in at least one hobby.

 Find the Truth

·       Ekam Sat vipra bahudha vadanti. Finding the Brahmam is your goal.

·       Toeing the line and being kadak are options u should choose. Unpalatable truth ..still tell it.

·       Develop sense of proportion and balance

·       Speak with data and evidence. Analyse to get best out of the data. Critical thinking is imp. Hypotheses testing, inference is very important tools we should use to seperate chaff and grain. Monitoring is like solving zigsaw puzzle with wrong and/or extra pieces.  Solve it to arrive at truth.

·       In the present times of mis and dis-information and biased reporting,  maintaining objectivity and finding the truth is very difficult.  Do not bank on any one side of the story. Get the holistic picture. Position and status of people do not lend credibility.

Emotions and expectations

·       Be dispassionate and equanimous. Donot bother about results. They will come once your Sankalp is strong.

·       Have expectations but handle disappointments. It's about rights and choices of fellow humans. Respect.

·       Learn acceptaaya mahamantram: Om Sri accept accept acceptaya namah:  Accept yourself, accept others as they are and accept life and situations as they unfold.

·       Life journey is for evolving as better humans and finally achieve Godliness. Develop overall personality. Panchakosha, triguna, daivi sampat are useful concepts.  Develop right attitude.

·       Finally, we are humans. Do not forget that. Your team mates are fellow humans. Treat them the way you treat yourself. Create value and share with all.

·       Never underrate anyone.

·       Be infectious in your attitude and passion

Wish you all a great stint as DDMs and brighter future ahead.