DK Kapila The Oracle

 Walking the Kapila- Chi Way  Dinesh K Kapila  We have yoga, then we have the gyms and then Tai Chi. You keep flowing through  various movements while controlling your breathing and your weight reduces, life span improves, balance gets better, the tummy goes in and presumably your spouse looks at you with more affection !! Tai Chi is life in slow motion, connecting as they  say the body with the mind ! And you move like a white crane spreading its wings ! All while standing in one area. You can do it sitting too. Your waist does the moves.  Mind and body and what not, it’s all so exotic.  Gymnasiums keep you inside climate controlled rooms. There it is just the body and the connection with the mind is rather overlooked. Just sweating it out. Maybe networking, many follow leading figures to their gyms.  Hence and here I propose, why not try walking the Kapila-Chi way. You are simply not walking but absorbing. Thinking. Connecting. There is just do ...

  We have an Aspirational Society – Are we prepared for it.   Dinesh K Kapila, CGM (Retd) NABARD (Published in The Business Sandesh dated 03/02/2026)   Around Republic Day is an appropriate time to reflect if we are building a nation in consonance with the aspirations of our youth. The personal experience I have, across India is that our youth seek more prosperous, fruitful and meaningful lives. The desire for economic progress and better governance runs deep. As a developmental banker, this was observed closely, including the demand for credit as a tool to further economic progress as also for consumption. Our developmental initiatives and paradigm must reflect this. More important, the political leadership must understand the evolving change.   Do our governance structures and models reflect the due incremental calibration which is required.   Are we administratively equipped for the changeover or ready to adapt our governance structures and mode of functi...

 Half a Century of Empowering Rural India: The RRB Journey.  By Dinesh K Kapila. (Published in Responsive Rural Banking on 01/01/2026).   Since their inception on October 2, 1975, Regional Rural Banks (RRBs) have served as the backbone of India’s rural economy. Established to bridge the gap between organized banking and the underserved agrarian heartland, RRBs have in the last fifty years transformed from small district level small banking  units into state level institutional organisations.  The RRBs have a legacy of Inclusion. Of the unreached.  The journey began with the Prathama Bank, and today, RRBs manage a massive network that brings "banking to the doorstep." Over five decades, these institutions have successfully democratised  credit providing vital institutional credit to small and marginal farmers, agricultural laborers, and rural artisans. They have facilitated economic growth playing a pivotal role in  credit to the agriculture  ...

  Farmer Producer Companies – Gray Areas to Address. By Dinesh K Kapila, CGM (Retd) NABARD (Published in Business Sandesh on 01/01/2026)   There are now enough reasons to think that there is an effective   FPO movement in our nation. It is broadly articulated that FPOs are inherent for a new deal for rural India and to promote entrepreneurship. FPOs also figure as an integral part of discussions in several forums on agrarian issues and deliberations on an appropriate policy and ecosystem to   support them. Despite the unprecedented growth in the number of FPOs (Farmer Producer Organisations) being formed across the country, are there challenges faced by the FPOs? Are these challenges faced by most new organizations or do they need policy changes. Or operational reorientation. Discussions with practitioners (Mr Punit Singh Thind and Mr Kamaljit) were enlightening as with some officials. A moot point, any large movement or drive, by its very nature, is normally b...

 The New Year is upon us and my really simple wishes  Dinesh K Kapila The year 2026 is just about upon us. A day more and it’s done. What can I say except that enter the new year with a light mind, shed your regrets, pains and negativities and travel lightly into the New Year. But then the new year triggers so many wishes and thoughts. It plays on your mind. It creates its own stream of myriad reflections, you lose a few friends who fade out of your life, some fade out of life itself, you make new acquaintances and friends, the labyrinths of the mind twist and turn and throw up new ideas and possibilities.  As the above does indicate, as a simple minded person I take pleasure in the less complex nuances of life. What could be my simple set of wishes for the new year. They may not really happen. They could just be a set of  fond thoughts, playing in the recesses of my mind, bubbling up when the new year approaches. And then maybe ebbing away. Maybe not really realisti...

 Encouraging Teams  and Learning Points. Interaction with Leaders.  Dinesh K Kapila  One at times meets youngsters who are into good paying jobs but feel disturbed about their job profile and more important their overall working environment. Therefore it was indeed encouraging to meet a young couple recently. In leadership cum ownership roles.  They showcased positivity and a can do approach and had a refreshing approach to managing their teams.  The husband runs his own company focused on constructing premium apartments. He keeps it small in size in terms of projects by design. Taking up limited projects at a time and moving on only when the ongoing projects near completion. The apartments sell because of the reputation and the inbuilt care as regards design and layout. His approach to managing his team was different, he said if a team member was lagging behind in output or in achieving his or her  targets, it’s not that the employee, no matter what h...