Woh Soch Jo Har Banker Ke Mann Mein Aati Hai, Par Kabhi Zubaan Tak Nahi Aati
Based on true feedbacks, from bankers working, retired and resigned about life of a banker in India.
Ek time tha jab bank job chhodna socha bhi nahi jaata tha.
Aaj, woh soch chupchaap har jagah paida ho rahi hai.
Branches mein, regional offices mein, field postings par — ek badlav hum sab dekh rahe hain. Yeh kisi report mein nahi aata. Kisi review sheet mein reflect nahi hota. Yeh pauses mein dikhta hai. Thaki hui aankhon mein. Un baaton mein jo aadhi reh jaati hain jab koi cabin ke paas aa jaata hai.
Har PO.
Lagbhag har Scale 1 aur Scale 2 officer.
Kisi na kisi point par — aksar kuch saal service ke baad — har koi bank chhodne ke baare mein sochta hai.
Plan ke roop mein nahi.
Rebellion ke roop mein nahi.
Bas ek soch… jise turant daba diya jaata hai.
Pressure ka nature badal chuka hai. Pehle kaam seekhne ka pressure hota tha. Aaj har mahine apni worth dubara prove karne ka pressure hai. Targets jo har month reset ho jaate hain. Expectations jo kabhi reset nahi hote.
Officially, job aaj bhi “9 to 5” kehlati hai.
Reality mein, zyadaatar din 7 baje tak kheench jaate hain.
Par ab woh bhi measure nahi raha.
Jo notice hota hai, woh yeh hai ki 7 ke baad aap kitni der tak rukte ho.
Isi routine ke beech, dheere-dheere kuch tootna shuru hota hai — bina awaaz ke, bina hungame ke.
Jo log kabhi toughest competitive exams clear karne par proud feel karte the, woh ek aisa sawaal apne mann mein poochne lagte hain jiska jawaab unhone kabhi dhoondhne ka socha hi nahi tha:
“Yahan se nikalne ka koi raasta hai?”
Kuch logon ko mil jaata hai.
Kuch officers doosri government opportunities crack kar lete hain — regulatory bodies, insurance, teaching roles, PSUs. Unka exit smooth hota hai. Bina shor-sharabe ke. Ek respectable shift.
Kuch log family business join kar lete hain, jo shayad pehle se hi wahin tha — bas intezaar kar raha tha.
Bahut kam log aise hote hain jo sab kuch daav par laga kar kuch naya shuru kar paate hain — savings ke sahare, support ke bharose, ya bas himmat ke bal par.
Par zyadaatar bankers inmein se kisi category mein fit nahi hote.
Kyunki banking sirf ek background se log nahi leti.
Arts.
Commerce.
Science.
Engineering.
Law.
Aise log jo kisi “calling” ke saath nahi aaye the, balki ek practical decision ke saath aaye the — yeh stable hai, yeh respectable hai, yeh future secure karega.
Saalon baad, jab woh bahar dekhte hain, toh unhe khule darwaaze nahi dikhte.
Unhe age limits dikhte hain.
Unhe uncertainty dikhati hai.
Unhe aise careers dikhte hain jahan sab kuch phir se zero se shuru karna padta hai.
Isliye bank chhodne ki soch wahi khatam ho jaati hai jahan shuru hui thi.
Mann ke andar.
Yahin par asli conflict rehta hai.
Aap kama rahe ho.
Aap “settled” maane jaate ho.
Bahaar se dekha jaaye toh lagta hai ki jo promise kiya gaya tha, woh mil gaya.
Phir bhi, har extended workday, har postponed personal plan, har chupchaap kiya gaya compromise ek aisi discomfort paida karta hai jise explain karna mushkil hai — par ignore karna namumkin.
Aap fail nahi ho rahe.
Par aap azaad bhi nahi ho.
Aur yeh sirf surface hai.
Kyunki jo cheez bank chhodna sabse zyada mushkil bana deti hai, woh sirf darr nahi hai.
Woh kuch aur hai — jo zyadaatar bankers pehle se hi apne saath le kar chal rahe hote hain. Chupchaap. Legal tareeke se. Aur lambe samay ke liye.
Golden Handcuffs — Jab Job Sirf Naukri Nahi Rehti
Bank chhodne ki soch aksar ek jagah par aa kar atak jaati hai.
Woh jagah darr nahi hoti.
Woh jagah comfort bhi nahi hoti.
Woh hoti hai zimmedari, jo dheere-dheere bandhan ban jaati hai.
Bank job mein, bankers ko loans milna aasaan hota hain.
Yeh baat har banker jaanta hai.
Aur shayad isi baat par sabse pehle proud bhi feel hota hai.
Home loan — easily approved, limit 50 lakh plus, ek clerk bhi 1 crore ka le sakta hai.
OD account — 5 lakh, 10 lakh, kabhi 15 lakh, 25 lakh.
Car loan — low interest, 7 to 10 year ka repayment.
Festival advance.
Credit card – high limit, easily approved.
Consumer loan.
Kabhi kisi ne roka nahi, circular bhi bolta hai le lo, le lo.
Har cheez logical lagti hai.
“Ghar toh lena hi tha.”
“Gaadi ke bina kaam kaise chalega?”
“OD emergency ke liye hai.”
Emergency… jo aksar hamesha chalti rehti hai.
Dheere-dheere, loans sirf financial decision nahi rehte.
Woh lifestyle ka hissa ban jaate hain.
Aur phir identity ka bhi.
Aur EMI toh alag hi hai, thoda thoda kar ke, 10 cheez ka EMI kat jata hai har month.
Aaj ground reality yeh hai ki zyadaatar bankers — lagbhag 90–95% — apni maximum borrowing capacity use kar chuke hote hain. Aur jab jab eligiblity badhti hai, loan borrowing bhi badha lete hain apni.
Crores ka home loan.
OD hamesha almost fully utilised.
EMIs jo salary se kat ke salary credit hoti hai. Plus consumer EMIs jo salary aane ke baad kat ti hai.
Aur phir ek din, jab bank chhodne ka khayal phir se aata hai, saath hi ek calculation bhi aata hai.
“Agar main aaj chhod doon…”
“…toh agle mahine EMI ka kya?”
“…OD toh chhorne ke pahle top up kar ke close karna parega, uska kya?”
“…itni salary kahaan milegi?”
Jawab zyadaatar cases mein ek hi hota hai.
Kahin nahi.
Bank ke bahar, shuru ke 4–5 saal mein, itni income banana — jisse saare loans comfortably manage ho jaayein — lagbhag namumkin hota hai.
Isliye escape sirf risky nahi lagta.
Woh irresponsible ke saath saath impossible lagne lagta hai.
Aur yahin par golden handcuffs tight ho jaati hain.
Aap bura perform nahi kar rahe.
Aap kaam kar rahe ho.
Aap survive kar rahe ho.
Par aap atke hue bhi ho.
Is sab ka sabse ajeeb hissa yeh hai ki yeh restriction kisi ne impose nahi ki.
Yeh self-induced hai.
Kisi ne force nahi kiya Over-Draft lene ke liye.
Kisi ne bola nahi ki maximum limit tak jaana hai.
Par system ne yeh zaroor sikha diya ki:
“Aap eligible ho.”
Aur humne maan liya ki:
“Eligible hoon toh lena chahiye.”
Aur phir ek aur layer aa jaati hai —social image.
Bahar se duniya kya dekhti hai?
“Bank mein hai.”
“Achha package hoga.”
“Dekho kitna sundar ghar banwa liya.”
“Life set hai.”
“Kitna successful hai.”
“Car bhi top model hai.”
“Zarurat pe help bhi kar deta hai paisa de kar.”
Aur banker chup rehta hai.
Woh yeh nahi keh paata ki salary ka zyada hissa pehle hi chala jaata hai.
Woh yeh nahi bata paata ki OD kabhi zero nahi hota, bottom-less well hai.
Woh yeh bhi nahi keh paata ki woh khud nahi jaanta, agle 20–25 saal me bhi wo debt-free ho payega ke nahi.
Kyunki bolne par sawaal aate hain.
“Phir loan liya hi kyun?”
“Itni stable job hai, phir problem kya hai?”
Isliye banker chup rehna seekh leta hai.
Kaam karta hai.
EMI bharta hai.
Aur har saal apne aap se kehta hai — “Bas thoda aur.”
Bank chhodne ka plan ab plan nahi rehta.
Woh ek daydream ban jaata hai.
Kabhi train ke safar mein.
Kabhi car ya motercycle se office jaate hue.
Kabhi late night branch se nikalte hue.
Aur dheere-dheere, ek aur sach saamne aata hai — jise accept karna sabse mushkil hota hai.
Bank chhodna mushkil nahi hai.
Bank chhodna afford karna mushkil hai.
Aur jab aap yeh samajh jaate ho, tab asli thakaan shuru hoti hai.
Review Meet
Jahaan Kaam Ka Review Kam, Insaan Ka Hisab Zyada Hota Hai.
Unhe review meet kaha jaata hai.
Par jo log wahan baithte hain, unke liye yeh review kam, face-to-face humiliation zyada hota hai.
Kabhi-kabhi branch me V.C. pe humiliation chhota pad jaata hai.
Isliye venue badal diya jaata hai — semi-auditorium, auditorium, banquet, resorts.
Poore zone ke log ek taraf baithe hote hain.
Stage par zonal, regional, head office ke log.
Aur beech mein kabhi kabhi— sirf ek kursi.
The Hot-seat.
Us kursi par baithaya jaata hai sab ko, ek ke baad ek—
aksar wahi jo already thak chuka hota hai.
Branch Head.
Assistant Branch Head.
Woh log jo system ko sambhalte-sambhalte khud toot rahe hote hain.
Jo log apni life se zada bank ko priority dete hain.
Jo log ek chutti lene ke pahle 50 bar sochte hain.
Jo log parv puja me bhi bank me late night baithe nazar aate hain.
Jo log management ki bhi gaaliyan sunte hain and customers ki bhi.
Aur phir shuru hota hai.
Pehle kaam ka review.
Targets. Numbers. Recovery. Growth.
Phir dheere-dheere baat kaam se nikal kar zindagi par aa jaati hai.
Tumhari salary.
Tumhari lifestyle.
Tumhare bachchon ki fees.
Tumhara ghar.
Tumhari gaadi.
“Itni salary jo bank de raha hai, tum badle me bank ko kya de rahe?”
“Sunday ko aaye the ya nahi?”
“Field mein kyun nahi dikhe?”
Court cases ka hisaab.
Bad loans recovery ka pressure.
Aur phir — branch ke bathroom aur fans par jami dhool tak.
Sab ginwaya jaata hai.
Itna toh shayad koi khana bhi nahi deta, jitna yeh meeting zindagi nichod leti hai.
Aur woh Hot seat pe baitha insaan…
stage ke neeche baitha…
sirf sunta rehta hai.
Bol nahi sakta.
Defend nahi kar sakta.
Bas nod karta hai.
Kyu ki agar wo kuch bhi bola toh uske upar aur zada attack hoga aur saath hi saath pichli janam kundli bhi khol ke hisab manga jayega.
Aur agar baat yaha nahi ruki toh, explanation chitthi se shuru ho kar transfer ki dhamki bhi milegi.
Kyuki wahan bolna jawab dena nahi hota —
wahan bolna yaad rakha jaana hota hai.
Naam note kiya jata hai.
Subah ke 10 baje ke meet ke liye ghar se 6 baje nikalna hota hai, kyu ki jo venue hota hai wo easily approachable hoga nahi, wo hoga 25 km 40 km dur.
Khatam hota hai raat ke 8 baje. Uske baad ghar wapis bhi toh jana hota hai.
Iske baad ghar pahuch kar koi dimaag kaam nahi karta.
Bhookh mar chuki hoti hai.
Sab so chuke hote hain.
Jinke khushi and life ke liye itna sun rahe, itna kaam kar rhe, same ghar me rahte hue bhi, unse sirf sunday ko mil paate hain.
Bas ek ajeeb si khamoshi hoti hai.
Aisi khamoshi jisme aadmi thak kar choor hi nai —
andar se khali ho jaata hai.
Aur ghar me aaram toh milta hai na?
Nahi.
Ghar mein bhi aap kabhi, poori tarah nahi hote.
Aap kama rahe ho par maujood nahi ho.
Bachche birthday cake kaat rahe hote hain — aap branch mein ho.
Marriage anniversary par leave nahi milti.
Chuttiyan bas HRM software me hoti hai par avail nahi kar sakte.
Thakaan itni hoti hai ki aadmi bas ghar aa kar khata hai aur so jaata hai.
Aur is sab ke beech, ek aur sach hai — jo kam log bolte hain.
Women bankers.
Stress sirf mann par asar nahi karta —
woh body par bhi karta hai.
Miscarriages.
Delayed pregnancies.
Conceiving issues.
Family issues.
Ek lady se ghar ki expectations poori na hona.
Family functions me available na ho pana.
Bachhon ke life se bhi absent rahna.
Doctors reports mein cause clear nahi hota, par life clear hoti hai.
Long hours.
Constant pressure.
No personal time.
No mental rest.
And, deep male dominant environment.
Isliye kai female employees ya toh quit karti hain,
ya phir sabbatical par chali jaati hain. Ya fir continuous loss of pay par chali jati hai.
System ke liye yeh ek HR statistic hota hai.
Par family ke liye — yeh zindagi ka sabse sensitive phase hota hai.
Aur phir bhi, yeh sab koi openly discuss nahi karta.
Kyunki bahar se duniya kya dekhti hai?
“Bank mein hai.”
“Life set hogi.”
“Kitna successful hai.”
Is image ke chakkar mein banker kisi se yeh share bhi nahi kar paata
ki us par kya beet rahi hai.
Aspirants sirf salary dekhte hain.
Scale 1, Scale 2 ke figures.
PO ki starting 50-60 hazar mahina, 3 saal me scale 1 ki 70-80 hazar mahina. Scale 2 ki 1 lakh-1.5 lakh mahina.
Home loan benefits. Car loan, aur bhi saare employee benefit loans.
Job security.
Par yeh nahi dekhte ki us salary ke saath kaunsi zindagi aati hai.
Isliye yeh ek kahani nahi hai.
Yeh sirf ek banker ki baat nahi hai.
Yeh ek reminder hai.
Agar aap aspirant ho —
sirf package mat dekho.
Banker ki life, banking stress, bank job reality bhi padho.
Aur agar aap already banking system ka hissa ho —
aur yeh padh kar laga ki yeh kahani aapki hai…
ya aapke kisi colleague ki…
Toh aap akele nahi ho.
Aap apni kahani humein likh sakte ho.
Naam nahi poochha jaayega.
Identity safe rahegi.
Aur haan —
is story ko unke saath zaroor share karo
jo bank ki taiyaari kar rahe hain,
aur apne un sathi bankers ke saath bhi
jinke chehre par aaj-kal thakaan zyada dikhti hai.
Kyuki kuch faisle form bharte waqt nahi hote.
Kuch faisle zindagi bhar chalte rehte hain.
Kuch faisle dene se zada le kar jate hain, self respect, identity and bhi bahot kuch.
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