So many faces and modes

Over a lifetime !! Of an individual !!

One during success

One during failure

One during a crisis

One at the Office

One at Meetings

One at Social Gatherings

One with acquaintances

One with friends

One with family

One with close family

One with the self when happy

One with the self when sad

One with the self when angry

Who is real ! What is real !!

DKK

A Thought

The Book of Knowledge and the Book of Life. If you seek to work on social and economic aspects and projects, know the Book of Life. Meet people. Connect. The Book of Knowledge and the Book of Life are complementary. Do not deprive yourself of knowing life firsthand.

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The Role of NABARD in the Economic Development of India

The Role of NABARD in the Economic Development of India By Dinesh Kumar Kapila, Chief General Manager (Retd), NABARD . (Written as requested within 850 words for Business Sandesh, Published on 1st Aug 2025) The National Bank for Agriculture and Rural Development (NABARD) plays a crucial role in advancing rural development in India through a multifaceted approach . Established in 1982 by an Act of Parliament, NABARD , a statutory apex development al financial institution , has the mandate to foster agricultural and rural development by sustainable and inclusive growth with a focus on both financial and non-financial interventions . NABARD plays a crucial role in the growth of the rural economy through a range of functions. These include refinancing rural financial institutions for short term credit for agriculture , refinancing banks and NBFCs for i...

The Forgotten Unsung Heroes of the Battle of Madhumati. 1971. Bangladesh. 45 Cavalry.

The Forgotten Unsung Heroes of the Battle of Madhumati. 1971. Bangladesh. 45 Cavalry. By Dinesh K Kapila (Chief General Manager (Retd). NABARD (As discussed with Major General (then Major) Pramod Kumar Batra, Retd and Other Veterans) Just a Glimpse – Cdr 62 Mountain Brigade – “Pramod, I believe it is hard to maneuver PT 76 tanks in this terrain and waters”. Pat is the answer, “it is hard and I may struggle, but you will never see me to give up or fai”l. They stood together, on the edge of the swift flowing Madhumati, the staff and soldiers waiting. It was dark. Very Dark. After waiting for some time the Bde Cdr had said, “lets go”. Major PK Batra vividly recollects even now watching the Cdr's face as he looked at the map with a torch. He was calm and very quiet, showing ,no fear or afraid and maintaining a dignified silence. He remembered the old saying, "Uneasy lies the head that wears the crown". It was a moment in not only the life of the Brigade Co...

Farmer Producer Companies – Gray Areas to Address

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...

DK Kapila The Oracle

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