My blog post on bank passbook got referred in a newspaper.

Friends,

My super-popular blog post on Bank Passbook versus Bank Statement got referred in a newspaper - Checkout the link -

http://www.livemint.com/2010/07/22203339/Passing-up-the-bank-passbook-t.html

Cheers!
~Ambarish

Just 17 minutes.... and get your driving license renewed (PUNE)

Complaints .... no blog post since long time ! Trust me friends...it is no more fun time for me since past 4 months. My gtalk status is "Deadly Busy". But I am committed for sharing my knowledge. Here you go with some interesting stuff...

17 Minutes and get your driving license renewed.

I posted a comment on Face Book a few weeks ago and was very well appreciated by friends because I helped my father to get his driving license renewed in 17 minutes at Pune RTO Office.

Here is the summary of process-


1. Download the Renewal/Duplicate Application (Form 1, Form LLD) form from the website – http://www.rtopune.info/drivinglicenses.htm
2. Fill up the form completely and carefully.
3. Carry: Before you go to RTO Pune, carry with you – Pen, White Paper, Glue Stick, a stapler with pins and change for 50, 100, 500, 1000 rupees.
4. Senior Citizen: In case you are a senior citizen, you also need to get a medical certificate of your fitness from the doctor. The recognize doctor is available at RTO Pune premises. He wears a “Rajesh Khanna” cap and any person at RTO Pune office can help you to find him. He carry no expression on his face, has an executive assistant to fill up the form. He seats under a tree or in a Maruti Van. His fees are Rs. 30 for the certificate. Else, you may also get serious certificate from your family doctor.
5. Supporting Documents: Original License, Application Form, 2 Photographs, Medical Fitness Certificate if applicable and supporting documents (if change of address) etc. and then please head up towards Block B.
6. Verification: Application needs to be verified from RTO officer before you pay fees and impressed your thumb on machine.
7. Application verification Q is difficult to find. But if you are heading Block B, then to your right hand, you will find a small window with about 5-7 people wandering around it. On the left side of window, Mr. Ganesh has pictured a "Heart Shape" for his lover Ms. Manjula..... Anyways....the RTO Lady Officer helps you to verify the form.
8. There are 9 instructions written on the wall on how to tie up an application. I believe all government offices in India are schooled in “Puneri Patya” !
9. Officer will verify the form, write fees on the form.
10. You will then move to Cash Counter. Pay fees… do not fight with the officers for the change. This instruction is applicable for any government office in India.
11. Please then go to the room adjacent to cash counter. They will take your photo and thumb impression on computer.  Thats it...done 17 minutes ... your duplicate/renewed license is done.
12. Driving License need to be collected from main building after 20 days.


I strongly believe that if you are a good citizen (not involved or wish to involve in any crime), you should get your work done peacefully. To my experience, people cry due to the perception that Government offices are meant to exploit them.  This is wrong perception - I got my new driving license, new passport, marriage certificate (only one) without help of any agent/ middlemen.

More blog posts will be published in near future.  Meanwhile, do not hesitate to take a quick tour of my another (new) blog space - http://www.10naliraman.blogspot.com/

Cheers!
~Ambarish

Disclaimer: Writer of the blog post is not a RTO agent.  Content of this blog post are meant for education only.  Any action or decision based on this blog post is the sole responsibility of reader. Driving licenses are issued at discrition of Government of Maharashtra - Road Transport Office and writer is in no way challange their authority nor assure any outcome from this blog post.

Discovery of 31 items in Philippines

Discovery of 31 items in Philippines

Waiting at Manila Airport (Philippines) for Boarding on Flight SQ 417 to Singapore….I was assessing last 2 weeks I spent in Republic of the Philippines and thought lets write on 31 interesting/new items observed/did/found/tried out during my stay in Philippines –
1. Forgot my Camera in the car, I realized it after final security check. I met Mumbai Airport Security chief, understood the process and got back the camera without reversing security stamp, immigration stamp and boarding pass.
2. Saw 9 Episodes of “Agle Janam Mohe Bitiya hi Kijo” on ZeeTV (Hindi) which was one of the two known channels.
3. Religiously watched “pravachan” of a Punjabi Baba every morning at 6.00am on Doordarshan while getting ready for the office and “Taara” on Doordarshan Delhi.
4. Patiently tolerated recently USA returned Ms. Imee Benjamin’s echo statement “Very Very American… I am telling you, they are Very Very American”.5. Watched live taping of ABS-CBN (local channel) teleserye “Kung Tayo’y Magkakalayo” – super-Action daily soaps in the hotel lobby. Also tried unsuccessfully to get role as a passerby in the tape. Hero was stud like Rohan Datar. Actress was also stud like ... I dont know.
6. Any person wearing a Tie or a blazer is pre-fixed with “Sir” in Philippines.
7. Heard IPL Cricket Highlights (only) at Doordarshan National News at 9.00pm.
8. Watched Cycling, Arrow Shooting, Sky Jumping etc. sports on Euro Sports channel and also a Japanese Sumo match on NHK sports channel, then a recorded Tennis doubles match between Sampras-Fedrer vs. Agasi-Nadal on ESPN.
9. Lunched ONLY SALADS for 10 days.
10. Out of internet connection/bad internet connection during most of the stay.
11. Heard continuous bombarding of anti-America on Russian Times (RT) news channel.
12. Saw a daily soap in Filipino language for 4 days and tried to digest it.
13. Ate “Spiciest” Chinese noodles at Chow King, which was below children level compared to India.
14. Dined vegetable sandwich at Olivier’s Super Sandwich after walking for 1 hour. Worth taste.
15. Met a beautiful skin specialist doctor for my facial skin infection….she cured me 7 days (do not interpret it Indian context).
16. Watched a special report on illegal detentions by FBI in USA on RT News channel.
17. Unsuccessfully tried to boil milk in Microwave Oven Toaster!
18. Lived without breakfast for 5 days and thereafter only Cornflakes with milk. Filipinos eat meat even at breakfast :( .
19. Messed in road crossing due to reverse driving rules (American) and heavy traffic in Manila.
20. Watched a movie where the Hero dies after 20 minutes and becomes a Dog….then he observes his family and his best friend.
21. Tried out Fruit Salad at Star Megamall….but unknown fruits and hence strange taste.
22. Peacefully Observed a wild Friday party at a Disco Pub in Metro Manila.
23. Restless and begged/implored for Tea/Coffee for first 11 days, but then accepted.
24. Hated smell of Philippines made cigarettes smoked on roads by people.
25. Visited manufacturing company as a customer after 8 years. In my opinion, all manufacturing companies in the world have same style of premises, mind-set and cultures.
26. Philippines have built their economy on their own. Food and Malls (trading) appears to be major players in the economy. Filippinos are nice people, very very hard-worker.
27. Explained how cricket is played to 2 Filipino friends. Trust me... it is not easy.
28. Thought that Philippines Government never counted its population….or may be it has countless population.
29. A 6 years old girl was smoking cigarette on the street with utmost ease.
30. Shamshu Lakhdir became my friend on FaceBook!
31. Successfully claimed for damaged baggage for third time in past 2 years. But now feels that fault is with my bag quality and not with Airline’s handling/loading.
Disclaimer: The writer of the blog do not intend to insult any person, country, religion, caste. Please read the blog post with humor flavour. The opinions expressed in the blog post are writer's personal opinions/judgments and may not constitute unbiased thoughts. Any action taken on the basis of any line of the blog post will be the sole responsibility of the reader.

EAT PUNE 06 - Top 10 Misal Spots in Pune

EAT PUNE 06 - Top 10 Misal Spots in Pune
Hmm….this is the post I reserved since long. Although I am known for my Misal craze, let me de-secret interesting facts that existed before I started eating Misal. Till 10th Standard, I avoided Sambhar in hotels since it was too spicy for me. Although my mother makes Konkanastha Bramhni style sambhar at home, I always stayed away from it. My wife loved spicy food before marriage (she has changed now…and prefers to avoid spicy food). So to make her happy, we shared Schezwan Chinese Rice and I then topped it up with sugar. Suddenly about 5 years ago, I started trying out spicy food and then…….now I eat super spciy Misals like an alcoholic food.
Now, there you go with top 10 Misal spots in Pune –
1. Aba Pawar aka Shri Kala Snacks Centre, Rasta Peth: I won at least 7 bets of de-ranking all other Misal spots in Pune. It is an open challenge to all Misal lovers to taste and then rank this patent spot of misal…..it should be 1. Undoubtedly BEST taste followed with customized spice level. This hotel started about 30 years back, owned by Mr. Aba Pawar. Interesting style of facing wall while eating which ensures that you are focused. A steel make ‘Dabba’ containing ‘Thecha’ made of up of fresh green chilies. Misal made up of chiwda, pohe, beans and farsan-shev etc. You may order spicy ‘Kut’ on top.
Now, After Misal – you must enjoy – 1) Shengdana Ladu 2) Khajur Ladu 3) Butter milk – all three home made. My combination is – 2 glass of butter milk + 3 Khajur Ladu + 1 Shengdana Ladu......
Located on lane opposite to Kings Edwards Memorial (KEM) Hospital in Rasta Peth, 5 minutes drive from Pune Railway Station. Lane starts with Ganesh Temple. This hotel is also crowded with Hamals (low class labours) as it serves them food at low cost. Car parking is also possible in adjacent lanes.
2. Shree Misal: Now, this rank may be debated. But dear readers, it is Shree Misal who taught me eat spicy misal. Owner is also Konkanastha Brahmin. Made up of Poha. Tease waiter for less spicy taste….i did it once but then punished (gifted) with terror spicy misal. Butter milk is worth trying. Located at lane adjacent to Ramesh Dying in Sadashiv Peth. Branch opposite to N. D. Thakarsi Kanya Shala on Kelkar Road (next to Mandar Lodge). Parking for two wheeler is easy at both places, but for four wheelers either you can find place near Khunya Murlidhar temple/Peruget Police Chauki (3 minutes drive) OR at Vijay Cricket Club parking near Patrya Maruti Chauk (safe park, 4 minutes drive). Hotel closes generally by 4 or till the stock exists.
3. Bedekar Misal: Interesting (in American language), but Misal lover should try it out. Bedekar Misal is probably most popular misal junction in Pune. Mr. Bedekar (owner) warmly welcomes you with big smile. He personally encourage you to try various versions of Misal and sweet dishes too. Mr. Bedekar force you to top Misal with Shahi Tukda !! and then top up your bill too ;). Hotel closes generally by 4 or till the stock exists. Located near Patrya Maruti temple, off Lakshmi Road.
4. Shri Krishna Bhuvan: Another old and popular spot run by JOSHIs. This hotel was known for closing out during noon hours. But the next generation of the hotel owner have changed work hours and is now open throughout the day. Different style of make of misal. Butter Milk is must try out. NO NO NO for Spicy misal lovers. Located on Mandai end of Tulshibaug. I hate Tulshibaug though.
5. Kaata-Kirrr Misal: Typical Kolhapuri style misal. Wait….Kolhapuri does not necessarily mean spicy in taste. In Kolhapuri style Misal, the ‘rassa’ contains more amount of water. So…’Puneris’ may not like it.
Kaata-Kirrr Owner claims that he was born-brought up in Shahunagari at Kolhapur. Misal taste is perfect Kolhapur style. Option of extra spicy Misal available on request. Buttermilk is of ordinary quality... oh sorry in Kolhapur they call it as 'Mattha'. Located opposite to Garware College of Commerce, next to Airtel Gallary on Karve Road.
6. Nevale Misal: Mr. Bobby aka Shailesh Bhor – an ex-approvian challenged Aba Pawar Misal during lunch for taste and spicy level. So…immediate next day morning, me and my colleague Mr. Abhijit Joshi went to Chinchwad to eat Nevale Misal on my motorcycle. Taste was indeed good, but still cannot compete with Aba Pawar Misal. No buttermilk available !!! I hate such Misal houses where buttermilk is not available. Buttermilk helps to digest misal appropriately. Located at Moraya Chauk in Chinchwad, next to a Masjid. Car parking not feasible at least near 500 mtrs.
7. Ghorpade Misal: Located in the heart of Khadki Bajar. Good taste, but more use of Farsan and Papdi. Buttermilk is not available.
8. Ramnath Misal: Although regular misal eaters may not like getting Ramnath into Top 10 list, but since it is one of the oldest Misal house in Pune and equally popular, I have to refer this spot. Known for super-spicy taste, Ramnath Misal contains beans and fried poha. They charge you extra for Onion and Lemon. I hate this !! The ‘Kat Rassa’ contains heavy use of oil. Some people may not to be able to digest the oil. My two friends – Mr. Abhijit Joshi and Mr. Prashant Kukde can drink this danger spicy ‘Kat Rassa’. Located next to Maharashtra Mandal/Sahitya Parishad / Konkanastha Chit-pavan Sangh Office on Tilak Road.
9. Misal stall on Income Tax Office Lane: Very good Misal. This stall is located 100 meters on right in Karve Road Income Tax Office Lane (from Karve Road). These guys serve Misal only for breakfast. They fry chilly on oil and thereby make it dangerously spicy. Misal basic taste is good. No place to seat as it is a street hawker.
10. PYC Hindu Gymkhana: There were 3 contenders for 10th Place – PYC Hindu Gymkhana, Prabha Vishranti Gruha – Narayan Peth, Shri Datta Snacks – Express Highway. After careful, analysis I chose PYC Hindu Gymkhana located at Deccan. Traditional Puneri type misal. I will define it as ‘Family Misal’…not real spicy in taste. The only disadvantage for Misal lovers is – ‘Maahol nahi jamta yaahan pe’ ;).

Outside Pune Misals – I have tasted Mamledar Misal – Thane (Nice Taste), Murud Naka Misal - Dapoli (Different taste), Jamsandekar Misal – At & Post Jamsande Tal. Devgad, Dist. Sindhudurg (Good one).

Disclaimer: The purpose of this blog is to provide reader with interesting food spots in Pune. The spots referred in the blog have only been recommended by writer and unfortunately, he does not hold any control on reader’s tongue ;). It also does not mean that writer never eats at home or writer’s wife cannot cook the food. Please talk to writer before making any perception in this regard.

Demand Passbook from ICICI Bank, HDFC Bank for your SB Account

Republic of the Philippines , one of populated country in South East Asia. While I was preparing for a Business VISA for Philippines, I observed that Philippines Visa guidelines are more stringent than US Visa guidelines! Well…they strictly demands bank statement of applicant for last 6 months and other dozens of documents.
Now, my salary account is with ICICI Bank, Aundh Branch, Pune. I used to receive quarterly statement of my savings bank account from ICICI Bank, but the flag was suddenly changed to Annual from 2009-2010. When I ringed Customer Care for statement of last 6 months, they offered two options – 1) Statement by courier – 7 days- free of charge 2) Statement by hand –immediately-at any ICICI Branch at a cost of Rs.100+taxes.
Since I am a heavy internet banking user of ICICI Bank, I really never cared for original statement. I strongly felt unethical business practice of ICICI Bank to force customer to BUY statement of account. I spoke with my brother who is a Vice President at a private bank and he hinted that Reserve Bank of India may have issued a circular which mandates all banks (private as well as nationalized) to issue a Pass book free of any charge. I googled around and found a master circular issued by Reserve Bank of India addressing to all scheduled commercial banks.
I then went to ICICI Bank, Bhandarkar Road Branch and again got offer from the officer as mentioned above. When I quoted Para 5.6.1 of master circular number -RBI / 2009-10 / 57 dated 1st July, 2009 issued by Reserve Bank of India, which reads as below –
“5.6.1 Issuance of Passbooks to Savings Bank Account holders (Individuals) A passbook is a ready reckoner of transactions and is handy and compact and as such, is far more convenient to the small customer than a statement of account. Use of statements has some inherent difficulties viz. (a) these need to be filed regularly (b) the opening balance needs to be tallied with closing balance of last statement (c) loss of statements in postal transit is not uncommon and obtaining duplicates thereof involves expense and inconvenience (d) ATM slips during the interregnum between two statements does not provide a satisfactory solution as full record of transactions is not available and (e) there are a large number of small customers who do not have access to computers / internet etc. As such, non-issuance of pass-books to such small customers would indirectly lead to their financial exclusion.
Banks are therefore advised to invariably offer pass book facility to all its savings bank account holders (individuals) and in case the bank offers the facility of sending statement of account and the customer chooses to get statement of account, the banks must issue monthly statement of accounts. The cost of providing such Pass Book or Statements should not be charged to the customer.”

The officer surprised and with no argument went to stationery room and inaugurated the Pass-Book Box. To the best of my judgment, I was the first customer to ask for Bank Pass book from ICICI Bank – Bhandarkar Road Branch.
The Pass book of ICICI Bank is indeed very stylish and very useful to maintain. Pictures are pasted here for your curiosity.

First Page contains name and adress. Cover Page...pocket size file-folder.

Do not hesitate refer above circular reference and get your bank passbook.
Advantages of Bank Pass Book -

1. You need to maintain one document only.
2. Your dependency on courier to receive monthly/quarterly statements reduces as you can update passbook anytime.
3. Free of Cost under RBI regulations
4. Easy to store and carry.
5. Can also serve as Address Proof.

Only Limitation is that you may need to visit Bank once in a quarter (depending on volume of your transactions) to update the passbook.

Humble request to all to take opinion poll on this subject.

Cheers!

Disclaimer: Writer of the blog do not intend to assault ICICI Bank and/or any of its branch. In fact he is a happy customer of ICICI Bank Ltd. This blog post only intend to remind readers/bank customers for their right to receive Bank Passbook free of cost. Any wrong interpretations and inappropriate actions taken on the basis of this blog post is the sole responsibility of reader.

EAT PUNE 05 – South Indian Food in PUNE

EAT PUNE 05 – South Indian Food in PUNE
It has been a long time since I wrote on food series on my blog. Here you go with popular south Indian food junctions in Pune. Most of the Indians love south Indian food for the simple reason that it is easy to digest and also cheaper compared to any other food. A specialty of south Indians – They travel across the globe, get settled at any temperature in the world and then serve south Indian food to everyone at cheap cost.
1. Hotel Rupali – My all time favorite restaurant for breakfast meetings. Authentic South Indian food. I bet this taste is far better than Wadeshwar-another south Indian restaurant. Try out any item of south Indian food. It has to be best. Do go for Upma, Sambar, Dosa, Idali, Medu Wada, Onion Uttappa, Coconut Kachori and in fact any food item. After a good and heavy breakfast, you should not miss out filter coffee. Specifically request them to serve filter coffee in ‘water glass’. Tradition of drinking Coffee in ‘water glass’ has been borrowed from Hotel Vaishali. Located at FC Road. Hotel Rupali is an old-time popular breakfast spot for professionals and working people.
2. Wadeshwar – Good Restaurant. Appears to be a theme based restaurant, but cannot see any theme. Idali is especially very tasty.
3. Hotel Vaishali – Everyone in Pune knows about this restaurant. Popular for tasty south Indian food and college girls ;). Do try out coconut kachori, coconut Chatani, Sambar and filter coffee. Interesting story behind drinking coffee in water glass at Vaishali. Vaishali Hotel is all time popular ‘adda’ (spot) for collegians since at least 4 colleges located near FC Road. Now the collage gang use to order one cup of coffee to be shared by at least 4 guys and enjoying coffee with girls (although those girls are not accompanying them). So, poor businessman and owner of Hotel Vaishali of course cannot afford it. Therefore, he instructed waiters to serve empty water glasses if coffee is to be shared. Smart boys then all shared coffee in water glass and it is believed that the tradition of drinking coffee in water glasses started thereafter. This tradition is popular since more than 3 decades!
4. Steamy Affair – This is a recently discovered spot by me. Located at J. M. Road, next to Electronic Parking Stand of PMC. The restaurant serve at least 13 types of Idalis. Only Idali and coffee is served here. Good place to try out authentic Idali and filter coffee (served in typical steel glass). I recommend – Kadhi-Idali.
5. Simply Idalicious – Interesting taste. Another recent discovery. Must try out for Idali. Located at Aundh.
6. Ganesh Krupa Idali-Dosa – Popular restaurant for middle-class Indians residing near Kothrud. Good taste and to eat, you may need to compromise on cleanliness around the restaurant. Do try out Dal Wada- exact taste of typical kannad dal wada. I ate at least 60 Dal Wadas during audit days in Bangalore. Sambar and chatani – I didn’t like it. Located at Paud Road, immediately before Anandanagar, diagonally opposite State Bank of India/Raj Motors.
7. Hotel Akshay: Better place to taste if you ignore the irritating rush of Tulshibaug. This restaurant is managed by a Konkanastha Brahmin – Mr. Vaze – who was Chairman of Chitpawan Mahasamelan held in 2008. Delicious taste for all South Indian stuff….made in marathi Brahmin style!
8. Hotel Agatya – Marathi style south Indian food is served here. Located in the heart of Tulashibaug. Good Punjabi food is also served here.
9. Hotel Samudra – Located at Nalstop. Another popular restaurant started in early nineties. Well crafted Dosas are served here. Try out Shaukin Pan (located next to this hotel) after the lunch/dinner.

Disclaimer: Writer is not Anna/South Indian. Writer is a Maharashtrian Konkanastha Brahmin. The purpose of this blog is to provide reader with interesting food spots in Pune. The spots referred in the blog have only been recommended by writer and unfortunately, he does not hold any control on reader’s tongue ;). It also does not mean that writer never eats at home or writer’s wife cannot cook the food. Please talk to writer before making any perception in this regard.

FRAUD – Telephone Number and Signature on the Purchase Quotations

Series FRD/02/2009

Well…this is another interesting fraud case discovered during internal audit of an engineering company.
The purchasing manager of this engineering company was well accustomed with all organizational purchasing processes as well as business processes followed in the market. Smart chap, always starts the day at 9.00am, his behavior in the office was always easy going, he always believed himself in his capabilities and a sweet talking person.
The purchasing process of the organization strongly recommends to invite at least 3 quotations for purchases above INR 100,000. Mr. Manager strictly followed this process for all purchases above INR 100,000.
During purchasing audit, we found that a Purchase Order valuing INR 980,000 for purchase of Stores cupboards was supported with 3 quotations. All three quotations were apparently invited from 3 vendors and they were read as below
1. M/s Trimurti Enterprizes quoted - INR 10,95,000
2. M/s Gururaj Bros. quoted – INR 9,80,000
3. M/s Gajaraj Enterprizes quoted – INR 9,75,000
Quotation of Gururaj Bros. was selected due to lower price and their reputation in the market.
The transaction prima-facie appeared to be straight. However, a careful analysis of the quotations revealed following 5 facts–
A. All three vendors located in the same locality.
B. All three letter heads (on which quotation were given), were made up on ‘Charminar’ brand bond paper.
C. One telephone number was common in all three quotations.
D. All other telephone numbers and fax numbers other than #C above were either fake or dead.
E. Signature on all three quotations were made in blue ink, although different, careful look suggests that it appeared to be signed by same person.

All 5 facts joining together suggest that this may be a case of fraud. When the case was reported to the management, the internal investigation was carried out. It was found that Mr. Purchasing Manager had collide with another few vendors in purchasing worth INR 76,00,000 over 8 months. He confessed that he used to dump openly invited original quotations and replace them with the fake quotations given by the winning vendor.
In above case, all three quotations were forwarded by the same vendor and a kickback arrangement was made with Mr. Purchasing Manager. Above 5 silly mistakes costed that vendor not only to loose the contract, but also future business.
The Purchasing Manager also lost his job. Someone told me that he joined Chota Shakil's Dubai based Forex Office. Another insider also told me that the Investigation Chief was found guilty of accepting bribe from his colleague, about a year after this case. If that is true, then it may be considered as an example in my study of organizational cultures.

Disclaimer – As per Chartered Accountants Act, 1949, information obtained during the course of audit is confidential and cannot be shared or published without specific approval from the management. Writer of the blog is a qualified Chartered Accountant and only intend to share the fraud cases. The fraud case referred above should in no case be construed or perceived as specific to any company/organization/legal entity/association of persons/any individual. The purpose of blog post series on fraud is only for the purpose of brainstorming. Any action/inspiration based on this blog post which lead to any fraud, will be the sole responsibility of the user. Writer of the blog is a person with highest standards of ethics and honesty.

One Doctor, One Medical Rep., One Week, but Two Microwave Ovens!

Series FRD/01/2009

One Doctor, One Medical Rep., One Week, but Two Microwave Ovens!

Last week I was down with fever and cold. I carried it on for 2 days, but then went to Doctor for the check-up. I usually avoid to meet Doctor since I think that Doctor always benefits more than patient. Anyways…it was a Thursday evening, the clinic was full of patients…probably due to sudden climate change. When my turn came, Doctor invited a Medical Representative (also known as MR) of a pharmaceutical company (who was perfectly dressed up with blazer, tie and Van Husain white shirt) to come along. Doctor requested me to sleep on Patient’s bed and he asked MR to shoot with the script. That reminded me a fraud witnessed me in first year of my article-ship (audit) services. Here I start with a special blog post series on Financial Frauds experienced by me, my audit colleagues and friends during my/their audit days.

So….I was a Junior Audit Clerk, but yes...favorite of a Senior Audit Clerk in our audit company. Being a new auditor, I was ambitious and always expected different audit segment in every new engagement. I was given task of auditing travelling expenditures. It was one of largest pharma company in Asia. Medical Reps working with Pharma Company travels heavily across the country to build market. The audit was aimed at verifying all expenditure reimbursements of those MRs. I assessed the process and internal controls followed by Accounting Department before releasing reimbursement claims. The brief process was as below-
1. MR to fill up Travel Expenditure Form and should take approval of Sales Director for his region and then submit the same to Finance for claim.
2. MR is always given cash advances for his expenses and allowances.
3. MR is given fixed daily allowance and reimbursement of expenses at actuals.
4. Allowable expenses include taxi charges, phone expenses, Gifts given to Doctors to promote products and any other legitimate business expense.
5. Gifts to doctors – Many MRs prefer to gift doctors with electronic appliances or a good Zodiac Tie. Gifts promots pharma company's brand solidly in the hospital and medicine market.

Now, I always loved to read "what expenses MR has claimed". "What has he eaten at restaurant?" "Why did he ordered 3 dishes of Chicken Hyderabadi?".... thought he must have invited his local friends for dinner, but cannot challenge such things in a capacity of the auditor. I used to read even laundry expenses…..what has he dry-cleaned – handkerchief or sox pair etc.
I was also drilling down gifts made to Doctors. After about 20 reimbursement claim vouchers, Mr. Pradeep Kumar Pande (name changed) (who dry cleaned all his inner wears everyday in a Five Star Hotel), claimed Rs. 19,200/- as reimbursement after consuming his initial advance. That suspected my mind with the questions – "how and Why one employee spent 20 K from his pocket?" "Why was he given less advance?" "Why he didn’t pay large expenses by credit card – I mean no sensible person would carry cash of 40000 while travelling.". I believe these questions must have triggered in the mind of Finance executive if he was a hardcore accountant. But then he may not be able to challange due to departmental barriers.

On further analyzing the voucher, I found that gift items were purchased on cash and that too with a rough bill. Questioning rough bills to Mr. Pradeep by Accountant, he told him that he did so often to avoid sales tax and thereby saving company’s money. Accountant thanked Pradeep.
But, while analyzing list of doctors who were gifted with electronic appliances, it was observed that Dr. H. M. Bangali (name changed) was given two microwave ovens in a single week by Mr. Pradeep Kumar Pande!! Now…that was the poor mistake made by Mr. Pradeep Kumar Pande, Jr. Medical Reps. During investigation and interrogation by Accounting Department with Sales VP, Mr. Pande confessed the fraud.

We were told by one of the good friend (insider) that Mr. Pande was physically slapped by angry Sales Vice President. J I truly enjoyed those gossiping.
The audit was completed after submitting specific remarks on reimbursement policy and internal controls in the Audit Report. But that actually triggered to frame out centralized purchasing policy of gift purchasing. Gossips were also chewed that few Medical Reps (ladies especially) that they get tired with heavy weight gifts and unhappy to carry 10 gift boxes. It was also heard that few MRs made tie ups with Chaywala to keep those 10 boxes or Junior Medical Reps were exploited by expecting them to carry gift boxes with seniors.
Fraud Summary Line – One Medical Representative of a pharmaceutical company gifted Two Microwave Ovens to a single Doctor/physician in a single week!!

I will sum up the post with a famous quote from Mark Twain (1835-1910) U.S. humorist, writer, and lecturer. -
“Honesty is the best policy when there is money in it.”

Disclaimer – As per Chartered Accountants Act, 1949, information obtained during the course of audit is confidential and cannot be shared or published without specific approval from the management. Writer of the blog is a qualified Chartered Accountant and only intend to share the fraud cases. The fraud case referred above should in no case be construed or perceived as specific to any company/organization/legal entity/association of persons/any individual. The purpose of blog post series on fraud is only for the purpose of brainstorming. Any action/inspiration based on this blog post which lead to any fraud, will be the sole responsibility of the user. Writer of the blog is a person with highest standards of ethics and honesty.

EAT PUNE 04 – Punjabi Khana

Every hotel aim to offer Punjabi khana in Pune by default. In fact, if you analyze the hotel business, Punjabi food can get more margins as compared to breakfast snacks. Another interesting business factor is – Hotels are happy if couple comes for dinner/lunch and order Punjabi food as they can earn more margins with less overheads. Anyways…. Following are some of the popular and good hotels offers quality Punjabi khana in Pune –
1. Bhagatsingh Tarachand – A Mumbai based chain hotel. Fantastic taste of any sabji. Buttermilk and Lassi is served in a beer bottle. Don’t know where he gets such a tasty buttermilk. I can drink upto 5 bottles of buttermilk after lunch/dinner. Located at Shagun Chauk, Lakshmi Road – Park your car at Vijay Cricket Club’s parking near Patrya Maruti.
2. Horn Ok Please – Theme based restaurant located at Fergusson College Road near Sagar Arcade. This restaurant has built dhaba interior where you get chance to seat on ‘Khatiya’. People love playing the truck horn placed at the door as a decoration item. Clean and perfect Punjabi khana.
3. Hotel Aloha – This place was a regular dinner spot when I worked N number of workaholic nights at T-Systems. Do try out Kadhi – Khichadi here if you dinner out here. I love the taste here. Located at Senapati Bapat Road, opp. Muttha Chambers (Old BMC Software office). T-Systems employees (now Cognizant Technologies) get 7% discount J J.
4. Shivsagar Hotel – Anna run hotel. But still good taste of Punjabi food at both Aundh as well as J.M. Road vent.
5. Hotel Banjara Hills – Chandani Chauk, Paud Road. I like this hotel although many claims that service is pathetic. But food taste is good.
6. Veer Da Dhaba - Well….in case you plan to go out for dinner with your family. You can go to any hotel other than this place. Have you seen any restaurant where all youngsters on almost every table are loudly roaring, making climate noisy for no reason? This is the place where you need to forget that there is any world outside this hotel. Trust me, if you are a non-drinker like me, you would enjoy the party like anything. My school friends had a great party here once and we still laugh with those memories. We were dining and one drunky came to my table dancing….drunk glass of water kept on my table….did not say thank you nor asked for any permission and went away. One person was hitting drums hard without any music sync for no reason. A sardarji runs this hotel, good food taste and keeps tight control only after things starts getting out of control. Located at Hinawadi Road.
7. Bhajansingh da dhaba – This is popular for non-vegetarian Punjabi food. Located on old Pune-Mumbai High way – near Dehu Road Toll Naka. Good taste. Garden restaurant for family.
8. Agatya Hotel – Tulshibaug. Nice taste. Marathi style Punjabi food. Do try out Veg Bhuna here.
9. Rahul Restaurant – Aundh – Peaceful spot. Any paneer based Punjabi sabji may be tested here.
10. Chaitanya Paratha – Paud Road and F.C. Road – Run by Punjabi Sardar. Ok taste. Try out Parathas. I love Methi Corn Paratha.
11. Nebula Restaurant – Located in Bavdhan. Good and very clean restaurant. Excellent quality Punjabi food. Try out Paneer Kadhai.
Other Hotels such as Khana Pina Jina- NDA Road, Punjabi Masta Khana at Bavdhan Road, Gandharva Hotel at J M Road, Hotel Palvi at Anandnagar, Paud Road, Savera at FC Road, Rangoli at Bhandarkar Road etc. are also worth trying.

Disclaimer: Writer is not Punjabi. Writer is a Maharashtrian Konkanastha Brahmin. The purpose of this blog is to provide reader with interesting food spots in Pune. The spots referred in the blog have only been recommended by writer and unfortunately, he does not hold any control on reader’s tongue ;). It also does not mean that writer never eats at home or writer’s wife cannot cook the food. Please talk to writer before making any perception in this regard.

Process for change in name on passport after marriage

Well…..my wife Anurati holds copyrights for this blog post. About few months back, she asked me that she want to change name on her Indian Passport. Hence, we googled official website of Indian Passport Department to find out process and required documents. The step by step process followed by Anurati is written below.
1. Website – http://www.passport.gov.in/ Go to FAQ section which answers all your questions. They have a helpline number as well as an email address of PRO of department. PRO answers to your email in less than 24 hours.
2. Documents required for change in name after marriage as per website are 1) Photocopy of the Husband’s passport and 2) Attested copy of marriage Certificate issued by Registrar of Marriage or an affidavit from the husband and wife along with a joint photograph in Annexure D format (available on the website). In case, you want to register your marriage (irrespective of when you got married), office is located at Central Building, near Sassoon Hospital, Pune Station. Marriage Certificates are issued computerized with name & address both written in English+Marathi.
3. Day1 – She took both of the above documents and went to Passport office, Pune located at near Symbiosys college at 10.00am. Huge Q in front of the main gain. However, she saw another Q where official facility of Passport Department to fill up and verification of application form is available. It costs Rs.35 for form filling and Rs.20 for verification. Anurati paid Rs.55 and got the appointment to submit form along with the documents on the next day at 11.00am. The date and time was printed on the form. The verification officer explained her on the documents to be attached along with the form which apart from above 2 documents includes-
a) Birth Certificate
b) Bank account with new name – Account statement entry more than 1 year.
c) Degree Certificate
d) Photographs (as per specifications)
4. All a, b and c can be challenged easily in case you write email to PRO as referred above before coming to Passport Office. Please do not argue with the verification officer since he is not your son. Just show him printout of the email.
5. Now, you may be thinking why Ambarish is advising educated people to get form filled up from someone who is arrogant, less educated compared to us, doubtful if he understands English. But, hold on – process written in the blog may help you to get name changed passport in 7 days. Swarthapudhe Ahankar Khshudra ahe (Jagadguru Masta Kalandarji - http://chok-chizza.blogspot.com/) – Keep your ego outside while entering any Government office.
6. Day2 (appointment day) – Anurati went to Passport office sharp at 10.15am. She stood in the Q for about 35 minutes. The officer in the application submission window verified original documents, passport application and photocopies of the documents attached. Application was accepted with no questions and Anurati got new passport in less than 7 days. Carrying all original documents in MUST.
7. Change of Name on Passport will cost you Rs.1000 as charges. No bribe, no agent charges – Anurati got her passport at a total cost of Rs.1055 only.
Executive Summary –
- Total Expenses – Rs. 1055 - Total Time spent – Less than 1 hour in 2 days
- Change of Name Passport after Marriage received in – 7 days
- Mandatory documents – 2 Photographs, Husband’s Passport, Marriage Certificate

Disclaimer – The purpose of above blog post is only to share experience with blog readers. It should in no case be construed as “Expert Advise” or “guarantee” to get name change on the passport. The writer of the blog or any of his relative do not help/factor in passport services. Issuing/re-issuing/changing contents on passport is governed by relevant regulations of Ministry of External Affairs, Government of India and it is the passport department under Ministry of External Affairs, INDIA who holds complete authority to issue/reject/cancel/revoke etc. passport of any citizen of India. Reader of the blog may apply his own judgment before relying on information contained in this blog post. Writer of the blog will not be hold responsible for any outcome/result based on contents of this blog post.

PMPML Bus Time-table from Deccan to Pune Airport

See below the photograph I took on my cellphone. I think it is better to use public transport bus (PMPML) in Pune as against taking services of arrogant, dakoit Rikshawalas for a drop to Airport. I will try to upload the return timetable on the same blog post as soon as possible.

Cheers!

~Ambarish

EAT Pune - 03: Ten Puneri/Maharashtrian Thali Spots in Pune

EAT PUNE -03: I think all my blog fans hungrily look forward for this series of post. Here you go with third part of the EAT PUNE series. We will check out typical puneri (maharashtrian) thalis here-
1. Poona Boarding House: Keep your ego outside at Peruget Police Chauki. A perfect and top class maharashtrian thali should be your objective/aim in your mind before you enter Poona Boarding. As a qualification to enter Poona Boarding, you should have ability to digest insult. Kaka (owner) keeps on squeezing customers more than his waiters. Having understood qualification and environment at Poona Boarding, forget the world around (including your lunch partner) and enjoy the best class puneri thali. Pre-paid service, follow discipline, obey orders of manager and sometimes even of waiters. Located diagonally opposite to Peruget Police Chauki in Sadashiv Peth.
2. Badshahi Boarding: Good quality puneri thali. Remember when you were in 3rd standard, your mother, father, grandma, grandpa and all others more than your age were entitled to squeeze you on your eating habits. Mr. Chatre Kaka (owner) is a strict grandpa. I suggest you to keep your mobile phone off while entering the hotel. There are at least 15 “Instruction Boards” hanged on the wall of Badshahi. Badshahi Boarding is almost 100 years old. Mr. Chatre bought it from Mr. Moghe sometime in 1929. I remember my friend got chewed out from Mr. Chatre kaka for talking on the phone while eating. You are prohibited to talk loudly while eating…in fact there is no reason why you should talk while eating such fantastic thali. Located on Tilak road opposite Shakti Sports.
3. Asha Dining Hall: Recently tasted by me with my Approva colleagues. Good taste of thali. I think this thali was a best mix of Maharashtrian + South Indian thali. Excellent quality Rassam. Rotis are also good. Do try “Sitaphal Rabdi” as desert! It is yummy. Located at Apte Road (next to old ICICI Bank, Shivajinagar Branch).
4. Janaseva Bhojanalaya: Very popular and old dining hall. Located at deccan gymkhana (now Sambhajinagar), opposite Sambhaji Statue.
5. Poona Guest House: Another popular and old dining hall located at Lakshmi Road. Same test over past 20 years since I know taste of the food.
6. Suvarnarekha Dining Hall: I remember that my brother and me partied here when he bought his bicycle. The canal road connecting Prabhat Road with Law college road was known as “Chor Rasta” (small road where Jakkal Sutar and his gang use to smoke cigars). We travelled double-seat on his bicycle on this completely dark road at 8.00pm. I didn’t get chance to taste out here since long time, but seriously planning to drop down there on some day. Located on Prabhat Road, Ghodke Chauk.
7. Krishna Dining Hall- Bhakti Marg, Law College Road. Nice taste.
8. Hotel Shreyas- Most popular spot for maharashtrian thali in pune. Owned by CHITALE. Wallet parking available. Satisfying test. Clean, neat and professional service. In pune since more than 50 years I guess…. Also known as dining hall for“Executive Class” people. Located on Apte Road. 9. Rasoi Thali- Typical shaniwar peth style thali. Located next to Vishnukripa Hall in Shaniwar Peth. 10. Durvankur Dining Hall: I don’t like this taste. They make everything spicy and oily as well. But still a popular spot since last decade. I don’t know why.

Disclaimer: The purpose of this blog is to provide reader with interesting food spots in Pune. The spots referred in the blog have only been recommended by writer and unfortunately, he does not hold any control on reader’s tongue ;). It also does not mean that writer never eats at home or writer’s wife cannot cook the food. Please talk to writer before making any perception in this regard.

Why Dont I fight on the Road!!! :) :) :)

Last two weeks were hectic – both at office as well as at social life! 4th Anniversary of Pune West Study Circle of ICAI was celebrated enthusiastically with presence of Mr. Anil Singhvi- Markets Editor, CNBC Awaaz and Mr. Rahul Arora, BloombergUTV. Arun Anandagiri addressed his final impactful words to jam packed audience before code of conduct for ICAI-Central Council Election, 2009 came into force.
Then, on 4th September, I went to Mumbai to attend meeting of committee of International Financial Reporting Standards (IFRS) in India of Institute of Chartered Accountants of India. It was the same boring meeting with political agenda peeping in and N C Hegde, Chairman of the committee with Shardul Shah (whose father was former WIRC chairman) trying to disagree with each other.
Meeting finished at 1.00pm and then I started my car from ICAI – Western Headquarters, Cuffe Parade in Colaba, Mumbai. It was raining and traffic jammed due to a quarrel between a bhaiya taxiwala and MH 09 Scorpio at President Hotel chauk. The driver of MH09 Scorpio (number plate photographed with Nationalist Congress Party Chief Sharad Pawar) crossed road lane wrongly and both of them spent at least 10 minutes (of mine of course) with bollywood style Hindi. A policeman negotiated the matter in 10 seconds by his routine method. That remembered me another similar incidence where I acted (not negotiated) as an arbitrator and hence inspired me to write on “Why don’t I fight on the Road?”-
Time 8.00pm – Wednesday of May- Venue: MIT College Road. Traffic suddenly halted 2 cars ahead of mine. Since it was a small lane, traffic can’t move if the battle between a 70 years old man – Maruti 800 – MH 12 AN versus 20 years young man-Black Honda City MH 12 (second hand) does not get resolved. I got out of my car to volunteer the battle. Both were arguing with loud voice. No one was defending. Both parties attacking (verbally) each other, but the “Aai Mai” abusing was about to start. I stopped them and took position of an umpire. I asked 4 questions -
1. Are both of you safe? – Both said…safe and no injuries.
2. Are both cars safe? – Both said…no problem with car…problem is with his driving.
3. Mr. Black Honda City MH 12 (second hand)- are you father of this 70 years old man? He laughed and said NO, I am still a virgin.
4. Mr. Maruti 800 MH12 AN – are you father of this young man? He said NO, my son drive with perfect discipline.
The temperature in the air was down by 80 cel. Degrees after 4 questions. Then I knocked my thoughts – “If none of you are father of the either party, why the heck are you fighting in the middle of road? Looking at Honda city guy, I said "Why this Maruti 800 man should agree with your thoughts if he is not your son?" Turning back to Mr. Maruti 800 uncle, why do you lose your peace to educate Mr. Black Honda City on road discipline? Remember – Your personal interest is important than your ego – ‘Swarthapudhe Ahankar Kshudra Ahe’” The traffic then self moved on in few seconds, but none of the two drivers greeted me for these great thoughts.
I do remember that I used to be angry young man like Mithunda….enjoyed opening dictionary of “Marathi Shivya – Aai…mai…bahin…bhikari…all other human body parts”. But if you analyze the cost-benefits out of the transaction, you will realize that you win if you forgive pathetic drivers and lose if you start battling them. I have seen few drivers roaring their vehicle on the driver breaking traffic signal. I don’t know why they want to do this social activity of teaching. Cost-benefit analysis here is – If someone breaks the signal and I roar my car on him/her, possibility 1- the other vehicle may stop in fear (30 seconds gone) or possibility 2 - driver may fall down after losing control on the vehicle (5 minutes gone) or possibility 3 – both parties may indulge in verbal/physical abuse. Don’t you compute value of your time. Calculate how much you are paid to mentor your subordinates in your office per minute. And here you intend to spend your costly minutes worth may be 2000 bucks!!???. Allow such drivers to pass on (2 seconds only). Thus you can save upto 4 minutes and 58 seconds!!!! Of course, value of mental peace you earn is incomputable!!
My principle is simple – I am not his/her father. Why should I teach traffic lesson free of cost? Let the driver breaking traffic rule get punished from Policeman or get banged into an accident. Ultimately, “Swarthapudhe Ahankar Khudra Ahe” – Jagadguru Shri Masta Kalandarji (see his advices at -http://chok-chizza.blogspot.com/).

Disclaimer- Extract of IFRS Committee meeting writer attended was referred here with no political intentions। If chartered accountants blog fans request writer to write a funny blog post on politics in Institute of Chartered Accountants of India, writer would love to do that। This blog post therefore should not be considered as presentation by authorized agent of contesting central council candidate from Pune- CA। Arun Anandagiri.

Why do you need a Bank Account in Joint Names?

I believe that this blog post may help you to understand significance of “Name” or “Account Holder” in YOUR bank account. Although this is technically a vast subject involving various laws (Acts) such as Hindu Succession Act, Indian Contract Act, Banking Regulation Act, etc., I have tried to pen down couple common cases applicable to most of us.
The objective of this blog post is to recognize benefits of having a bank account in joint names and with or without ‘Either or Survivor’ operating instruction.
Case 1 – Mr. Vinayak Deshpande (name assumed), age 30 years, Project Manager at Dattu Software Ltd. (hereinafter referred as DSL) Mr. Deshpande joined DSL 2 years ago and opened a bank account in AAICHIAAICHIAAY Bank. Bank’s representative (wearing a tie) took his signature on Account opening form, 2 photographs and copy of passport. Mr. Deshpande travel frequently outside India. He has a wife (not working/housewife) and a minor son. Mr. Deshpande is a careful person and never forget to sign 2 blank cheques before he leave his residence for foreign travel. His wife can use these cheques for household expenses during his absence.
In July, 2009, Vinayak went to Australia for a business trip. His wife made a mistake in writing the first cheque. She therefore, torn it and used the second cheque to withdraw cash. In last week of July, Vinayak was required to extend his travel and hence was unable to return till mid of August, 2009. Mrs. Deshpande who consumed all her cash during July, 2009 had no other option, but regrettably forced to borrow money from her neighbor.
Now, the question is – Do you want your spouse to face such situation? Of course NO (unless you had a dustup with her/him before travel).
Next question is – what would have avoided such scenario for Mrs. Deshpande-
Answer – A Bank Account in Joint Name with “Either or Survivor” feature. Such type of bank account is operated in joint names – Mr. and Mrs. Deshpande. Even though Mr. Deshpande goes to Australia directly from office…no worries for Mrs. Deshpande as she can also sign cheque and withdraw money.
Similarly, if Vinayak is not married, his parents can use his money and bank account without any dependence on him for signatures.
Another advantage is that – both Mr. and Mrs. Deshpande can use bank account passbook as his/her address and/or ID proof.
Case 2 – Mr. Marutrao Dagdogi Kamble (name presumed for example) , age 39 years, Purchasing Clerk at YZ International Corp. He has a bank account operated in his single name at Bank of Daroda. On 13th July, 2009 he died due to a massive heart attack, when his bank balance was INR 190,000. He has one minor daughter , wife and his elder parents. About a month after his death, his wife went to bank to withdraw money for an emergency use. Unfortunately, she returned with empty hands since bank officers asked her for few documents for compliance purposes. This includes marriage certificate, her ID proof and death certificate of Mr. Kamble. These documents help bankers to ensure authenticity of Mrs. Kamble as legal heir. As per most followed practices, every bank categorizes legal heirs in blood relation into six level categories such as First Level – Wife and Minor Son, Second Level – Son and daughters, Third Level – Parents and so on…. In case where a deceased person married to more than 2 persons (women or men and now Sec 377 also), death claim may move into the court of law.
If Mr. Marutrao Dagdogi Kamble had opened his Bank of Daroda Bank Account in Joint name with his wife, Mrs. Bakulabai Marutrao Kamble would have found it easy to comply with Bank’s Death Claim process. Note – It is mandatory for Joint Account Holder to inform bank about such death case.

To Sum up –
1. Joint Account – This is the type of bank account where more than one persons hold authority on the funds lying in the account.
2. Either or Survivor Feature – This feature/operating instruction on any joint bank account helps any of the account holder. The funds can be withdrawn by anyone of the accountholder with his/her sign only, whereas in case of death of any account holder, survivor can withdraw funds with his/her sign easily.
3. Bank Account Types – Typical deposit account types are Saving Bank Account, Current Bank Account (for businessman/traders), Fixed Deposit Account and a recurring deposit account. All such accounts are operated with account operating instructions as referred in #4 below.
4. Account Operating Instructions – a) Single: Only one person can operate the account b) Joint: More than one persons together can operate this account and c) Joint with E or S: More than one persons, where anyone or survivor can operate the account.
5. It is advisable to always open a bank account in Joint names for operational ease and may tick the box ‘Either or Survivor’ in account operation instruction section of application form provided you keep enough faith on the joint account holder.
6. Joint Bank Account does not entitle any of the holder or survivor for complete and exclusive rights on the funds. In case of dispute, the court of law may direct settlement/distribution of funds to survivor party or other party based on the facts and evidences of a court case.

Disclaimer – This blog post carries generic information on the subject. Every bank follows their own Death Claim Settlement process and anything contained in this blog post do not carry any legal meaning. Please consult your lawyer before relying on the information of the blog post. Objective of this blog post is to educate my followers on benefits of a joint bank account only. A complete technical guide on Joint Bank Account may be available in the market and/or website of country’s Reserve Bank or Central Bank.

EAT PUNE - Part 02

Welcome to “EAT PUNE” series. Part 02 of EAT PUNE will taste out another 4 items – Pav Patis, Kacchi Dabeli, Vada Pav, Pav Bhaji- Pulav and Cold Coffee. Here we go –
Pav Patis –
1. Dangi Pav Patis – This is probably the only location where a Pav-Patis is exclusively served, with a specialized taste of pav-patis. This spot offers ONLY Pav-patis. Located at Dip Bungalow Chauk Road, off Senapati Bapat Road. I guess this shop opens only in the evening.
2. Bipin Snacks – Undoubtedly a good taste of Pav-Patis at a popular snacks/breakfast stall, located next to Garware School.
3. Heaven Snacks – Nice taste. It tastes even better when served hot, most of the times it is served hot here. Located near More Vidyalaya, Paud Road.
4. SS (SP College canteen) – Well….all hardcore SPians die for Pav-Patis served in SS and I don’t know why really!! Taste is not bad, but may not be great. Try out, all except SPians may agree with my rating.
Kacchi Dabeli-
1. Dabeli stall at Hongkong Lane corner (Deccan Bus Stand side) – Good dabeli served with cheese or shev. Hot selling spot (not because of the girls roaming here). Open throughout the day.
2. Corner stall on Dnyanprabodhini Road – Tricky location to explain – If you are coming from Two Wheeler’s bridge – Poona Hospital - New English School Road – come straight 100 meters for dnyanprabodhini road. Before you take left on the T, your left a stall crowded with school children. That’s the spot. Good taste of dabeli. Exclusively instruct him to toast more - dabeli bread. I tasted dabeli here about 15 years ago, when one of my mentors- Ameya Kunte (super gem of Income Tax law) treated me.
3. Corner stall next to Bedekar Ganpati Mandir – Important – this stall is run by a Marathi man!! Of course, his stall reference comes here due to quality content in Dabeli.
4. Stall next to Gadgil Jewelers, Paud Road - Cheese…cheese dabeli. I liked it a lot. I do remember that once me and my wife started a 1 week diet program- called “GM Diet”. While my wife could finish it successfully, I ended up my challenge on the evening of Day 1 with two Kacchi Dabelis with extra cheese J J. This was the spot where I enjoyed Kacchi dabelis with cheese, otherwise I am not a big cheese fan.
Vada Pav-
Important Note – I am not a great Vada Pav fan. Hence my knowledge about Vada Pav spots may be challenged. But, still here I attempt to list down some popular spots –
1. Yenpure Wadewale – Good taste. Located near New Friends Society (opp. Union Bank) on Paud Road, chauk before Kinara Hotel, Vanaz.
2. Prabha Vishranti Gruha – Kelkar Road, near Kesariwada – Good quality batata-wada.
3. Bipin Snacks – Next to Garware school.
4. Stall near Garden Café, off Moledina Road – Always crowded with Vada Pav fans.
5. New Sweet Home – Kumthekar Road – only batata wada – excellent quality.
6. Stall next to Bank of Maharashtra, Bajirao Road branch.
7. Khatri Wadewale – Nice Vada-pav. Located on Ahilyabai Holkar Bridge.
8. Bharti Wadewale – Opposite Balgandharva Rangamandir
9. Joshi Wadewale - Opposite Balgandharva Rangamandir (tastes well if served hot only)
10. SS (SP College canteen) – Special Bun-wada with tomato ketch-up. Taste is okay but inserted here to keep respect of Mr. Kaustubh Vaze and Mr. Nikhil Ukidwe.
11. BMCC Canteen – Bun-wada with tomato ketch-up. Canteen always flooded with cigarette smoke.

Pav Bhaji and Pulav-
I believe that my father and my wife are the best Pav-bhaji cooks in the world. However, due to public demand, I will try to list down some of the popular spots for Pav-bhaji in Pune. Typically, it is observed that the Pav-bhaji spots are also appended with Pulav which you may enjoy after the Pav-bhaji.
1. Relax Pav-bhaji – Sahakar Nagar. Very popular spot. Good quality of Pav-bhaji with reasonable rates. Veg. Pulav is also good. During prime hours (7.30 to 9.30pm), at least 40 minutes waiting if you are in a group. Otherwise, place for two is easily accommodated. Peaceful place despite of being a popular spot.
2. Supreme Corner – J. M. Road – Heavily popular. You need to build a solid patience to get table and this is applicable even for week-days. I remember that once I went there at 8.00pm on Saturday and the waiting number was 79 and the current running number was 8. Looking at the crowd around the hotel, I guessed that at least 50 of the remaining 70 must have left the waiting lobby (which is actually a parking area of next shop). The average waiting period on any day may not be less than 1 hour. Typically, Marwari crowd can be seen here. Pav-bhaji tastes good, but I like Pulav more than P.B.
3. Hotel Mayur – Next to Pratignya Mangal Karyalaya, Karvenagar. Good Pav-bhaji. I haven’t tried out Pulav yet.
4. AJUBA – Karve Road, near Nalstop. The complete name is Anand Juice Bar which used to be a famous Pav-bhaji tapri, but now a class quality standard hotel. Still same pav-bhaji taste even after about 15 years.
5. Hotel Durga (Original)– Paud Road, near MIT College Road. Old Pav-bhaji spot and always surrounded with collegians (includes good looking girls of MIT MBA College many times).
6. Hotel Shivsagar – Aundh – Excellent taste maintained over past many years.
7. Kasturi Mastani – Opposite Kothrud Stand (Opp. Das Electricals, Kothrud) – Another old spot. Good spot for Kothrudians for a quick dinner in Kothrud. Pulav is also okay here.
Cold Coffee –
Although cold doesn’t suit me, I love cold coffee. I keep on hunting places for coffee flavor desert.
1. Hotel Durga (Original) - Paud Road, near MIT College Road. Highly popular spot for Cold coffee. Most of the people do not know that Hotel Durga (original) was famous for Espresso Coffee about 20 years ago. My brother and I used to enjoy Espresso Coffee here after school exams. Cold coffee topped with coco taste really good. You may ask for extra coco after 3 syrups. This spot used to serve coffee throughout the night about 10 years back, but now only till 12.00pm. After 10.30pm, this spot is surrounded only with ‘Datta’ kind of youngsters. They come in group, in a open jeep, wear gold chains and bracelets, hold high-end mobile phones, imported cigarettes, vehicle number plate with ‘DADA’, ‘NANA’, ‘RAJA’ etc., written by cheating numbers and occasionally fight between themselves. Do try out a special dish ‘Masala Pav’ with coffee. Masala Pav is a compact or a showcase version of Pav-Bhaji.
2. Hotel Durga (Duplicate) – Duplicate Durga has got two branches – MIT College and Mayur Colony. Duplicate Durga was formed by ‘Pandya’ and ‘More’ who used to work for original durga for 10+ years. I don’t like and recommend this spot since they do not wash glasses sincerely.
3. KANEPE Tapri – Opens only in the late evening. Located next to fruit stall/sunil tea stall near Kamla Nehru Park. Pav-bhaji served here also tastes good. Nice Cold Coffee too.
4. Stall on Symbiosis Distance Learning College Road – Good Coffee. But the waiters and the owner shows unnecessary arrogant stance. I have tried here cold coffee only once.
5. Relax – Sahakar Nagar – Good Hotel and undoubtedly good cold-coffee.

Disclaimer: The purpose of this blog is to provide reader with interesting food spots in Pune. The spots referred in the blog have only been recommended by writer and unfortunately, he does not hold any control on reader’s tongue ;). It also does not mean that writer never eats at home or writer’s wife cannot cook the food. Please talk to writer before making any perception in this regard.

How much Life Insurance (Maut ka Sauda) do you really need?

Time – 7.15am – a sunny Sunday morning in July…. I finished second cup of tea and both newspapers too.. I had nothing better to do in a peaceful morning and hence switched on TV. While I was watching a crazy bolly movie – Maut Ka Badla Maut ! on Zee Cinema, an old friend of mine – Mahesh (name changed) called me up on my cell and wished for appointment to take me through INSURANCE needs of mine. Mahesh (name changed) – is an Electrical Engineer, left job in Bharat Forge and started a full fledged practice as Insurance Agent and Investment Advisor. Since he is my old school mate, I invited him to my residence at 10.00am on the same day.
Mahesh being a true professional came sharp at 10.00am while I wasn’t really ready since Maut ka Badla Maut with another 2 cups of tea kept me busy for 2 hours. Mahesh and I exchanged greetings and few words before he started with his business script. I was smart enough to set the objective that if I am convinced completely with Insurance schemes, then only I may think of buying it.
He didn’t open the file containing insurance scheme broachers, but said – “Lets figure out HOW MUCH INSURANCE DO YOU NEED”. He asked me about following details –
1. My current salary (monthly and annual)
2. My Monthly Expenditures (I wasn’t aware of the figure, but confidently said Rs. 15000).
3. Date of Birth
4. Remaining expected years of salary (He assumed it as 32 years, although I want to retire after 15 years from now).
5. Highest Educational Qualification and other details
He then opened some ready-reckoner (handbook) and did some heavy and complex computations, used calculator, plain paper, inflation-deflation factors (while I was busy watching famous Cat-fight in Maut ka Badla Maut), he said 1 Crore 5 Lakh!!!! 1.05 Crore is the Insurance Coverage you need, Mr. Vaidya. That reminded me story of bolly movie “Judai” where Sridevi sold her husband Anil Kapoor to Urmila for 1 Crore. I thought she would have achieved this by buying an Insurance Policy.
Now I was surprised, felt proud with my life worth of 1 Crore and then shocked with the insurance premium amount. When I asked explanation, Mr. Mahesh gave me dozens of reasons on why I need Insurance coverage of 1 Crore. Some of the reasons were –
1. If you are earning X salary today, you would be earning 10X salary on your retirement and hence, if you die today, your family (dependents) should survive without your salary for another 32 years.
2. In case of any misfortune with you, your house which is bought on Home Loan may get seized.
3. Even after your retirement, you need at least Rs. 60000 for monthly expenses (considering my expenses will grew in same proportion to my income and multiplied with inflation factor).
4. Returns on your investment – Mr. Mahesh’s Insurance company gave returns of 289% on investments made since past 8 years and 130% since past 4 years.
I believe most of us (who are not investment advisors or insurance agents) meet Mr. Mahesh through some friend’s reference. The purpose of this blog is to educate you and think about “HOW MUCH INSURANCE DO I REALLY NEED?”.
Trust me…I have seen my friends crying to pay insurance premium. Rs. 1 Lakh Insurance Premium per year for self and another Rs. 50000 for his/her spouse – Total Rs. 1.50 Lakhs is a common figure since inception of private insurance companies in Indian market.
Let me explain you a basic partition in the insurance products offered today. Type 1 is Insurance only and Type 2 is Insurance + Investment. Any Insurance product offered by any Insurance company must be categorized into above two types. I really love to read names of Insurance Schemes – Jivan Rekha, Jivan Sangharsh, Jivan Paripurnata, Akela Jivan and so on…. However, I would always name any life insurance policy in the world as “Maut Ka Sauda” and Iife insurance company with “Maut Ka Saudagar”. This may sound sarcastic or offending, but I do not intend to assault Insurance Companies. All Insurance companies are doing a useful and a great business of life insurance.
Importantly, in the types referred above, “Insurance” is the common item. Life Insurance means Promise of reimbursement in the case of loss of life (as per a web definition). Therefore, it is the risk of reimbursement undertaken by an Insurance company for your life. Why would they insure you if they can’t make any money of it? It is a source of income for them and a source of expenditure for you. Where Insurance and Investments are coupled in premium, it works out as below.
Assume - Insurance premium quoted for your life is Rs. 10,000 annually. Insurance company takes this sum from you and then distribute your Rs.10,000 as below-
1. Insurance Premium (your cost) – Rs. 2000 and then
2. Balance Rs. 8000 will be invested in the market.
Now, I have personal objection here for coupling your investment with insurance. Why do you need to give Rs. 8000 to insurance company to manage your investment? Can’t you buy stocks, can’t you put 8000 in bank FD?. If yes, then why do you need to walk with liability of Rs.8000 payment to insurance company. I can write with my (virtual here) blood that INSURANCE IS EXPENDITURE FOR YOU. No one in this world will provide insurance free of cost to you.
Having explained concept of insurance business, following are the 4 important factors which may decide how much insurance do you need –
1.Your Life Stage and Your Needs: One need to think about himself/herself before arriving at figure of insurance coverage. For example, your current salary is Rs. 30,000 per month – with average expenses about 20,000 per month. You manage your income-expenditure nicely. Your spouse and other dependants live happily with life standard suitable to your income. In case of any misfortune, your dependants should get at least Rs.20,000 to maintain same standard of living. Same standard of living means same kind of expenditure like one movie in a month, Bata shoes, Lakshmi road for clothing needs etc. Therefore, in this example, your Insurance coverage amount should be enough to yield Rs. 20,000 per month. I know a gentleman earning salary of Rs. 50,000 per month, but insured for Rs. 2 Crore paying some lakh premium every year. He may need to ask question to himself - do his dependents need Rs. 2 crore for survival after his death. Will they start using BMW after his death when they are using Wagon R when he is alive? Of course..NO NO. They only need enough money to sustain. I do not see any reason why you should think of using insurance proceeds for sustaining your son after 21 years of son's age. Your liability should end at his 21 years.
2.Investment: With all high respect to Investment Advisors, I personally hate investment option coupled with Insurance. As said above, I advise not to go for Insurance policy with Insurance +Investment type. Typically, Insurance Agent keep shouting returns of 200% etc. are not fixed returns, but happened due to fast rise of Indian Stock Market since year 2000. If you would have put same money in stock market, you may have earned returns of 300%. Hence, please apply second mind while letting insurance companies to plunge your funds. Investment is a business and Insurance is an emotion. Do not mix emotion with business.
3.Life Standards of your dependents when you leave them: You may need to give a deep thought on life standards you may want to provide your dependants after your death. If your wife dreams of a diamond necklace, please do not plan it with your death and insurance. Your wife needs a diamond necklace along with you. You also need to look at the inheritance you would leave to them and their significant foreseeable expenses.
4.Who are your dependants – This is widely ignored question by most of us. I know a husband who earns Rs. 1 Lakh per month and his wife earns Rs. 1.20 lakh per month. In my opinion, neither of them are dependent on each other. However, assuming their high standard of living, the insurance coverage needs to be equally distributed. Another case – Wife is a housewife. Husband earns Rs. 20,000 per month, but inherits a huge property which earns Rs. 80,000 per month for him through rent. Even if he dies, by law the entire property will rest in the hands of his wife and thus she can continue earning same level of income. In my opinion, even she do not need life insurance.

To sum up –
How much Life Insurance do you really need? –
1. Life Insurance Policy with an appropriate coverage to maintain same standard of living, in case of your sudden misfortune.
2. INSURANCE IS EXPENDITURE FOR YOU (written in virtual blood). Investment is the additional facility offered by Insurance Companies to manage your funds. Where you buy only insurance, such insurance policies are known as "Term Life Insurance" and I always advise to go for the same.
3. Amount of Life Insurance coverage depends on your current life standard. Do not buy life insurance to gift a diamond necklace to your wife after your death.
4. Dependent – Amount and use of Life Insurance proceeds after death are useful only to real dependents.

Disclaimer – The writer of the blog aims to help you out in decision making on buying an insurance product. The views expressed by writer of the blog are his personal views and do not necessarily construed as “Expert Advise”. Anything contained in the blog do not intend to offend any person or any business or any institution. Reader of the blog may apply his own discretion while buying an insurance product or deciding on amount of life insurance coverage for the policy.

EAT PUNE !!! – (Part 01)

Heavy demand….heavy demand….to pen down all popular eating points in PUNE. The special blog chain hereafter attempts to analyze these famous spots. Here you go with Part I with your hungry tummy for ‘SABUDANA KHICHADI’, ‘KACHORI’, ‘SABUDANA WADA’ and ‘FRUIT PLATE’.
Sabudana Khichadi –
1. Janaseva Dugdhamandir: My favorite…. Lovely khichadi… I am ready to give you company anytime. Typical Puneri Bramhin style (Konkanastha). This should be called as a ‘Perfect Khichadi’. Note – Keep your ego outside on Lakshmi Road. You cannot expect the owner to give you special importance. It is your duty to speak clearly (“Spashta ucchar”) before you buy token. Self Service…enough quantity for your breakfast. Add up special “Janaseva kharvas” after khichadi. Located on Lakshmi Road, opposite Bombay Dying, near Garud Ganpati. Parking for two wheeler should not be a problem here.
2. Gujju brothers’ stall at Ravivar Peth: Recently tasted by me. Excellent taste. This is located near Bohri Ali in Ravivar Peth. Park your bike outside Bohri ali (lane) and instead of turning to Bohri Ali, walk 100 meters ahead towards a chauk and you can easily find crowd near a tapir. They serve two types of Khichadis – sadhi & special. Special Khichadi includes sabudana khichadi + batata chivda + kachori… mixed perfectly and hence taste is interesting. You may try out some cold-drink like Wala Sarbat, Limbu Sarbat, Khaskhas Mastani on an adjustant stall here.
3. Shree Snacks (Misal): Good Khichadi. Again a bramhni taste. I rate it as better than Bedekar Misal’s Khichadi. Located off Kumthekar Road (behind Chitale Bandhu).
4. Shri Krishna Bhuvan: This belongs to my uncle’s best friend. Nice taste. Try out fresh (always) buttermilk after Khichadi. Misal is also famous here. Located in Tulshibaug. Close between 1.30 to 5.30.
5. Stall next to Bedekar Ganpati Mandir: Good khichadi. Open only for morning breakfast. Located near Bedekar Ganpati Mandir on Paud Road.
6. Appachi Khichadi: Old spot. You may try this out because of its name. Thik-thak taste. But very popular. Located behind PYC Hindu Gymkhana, Deccan.
Kachori-
7. Janaseva Dugdhamandir: Coconut (wet) made Kachori. Good Taste. Read other details referred in #1 above.
8. Shegaon Kachori: Famous Kachori of Shegaon (Maharashtra) Station. Located next to PMPML Deccan Bus Stop (main), near Pulachi Wadi.
9. Hotel Vaishali: Popular for Kachori (wet-coconut made) for Breakfast J.
10. Purohit Sweets: Located at Ravivar Peth, Bohri Ali.
Sabudana Wada
11. Sreenath Sabudana Wada: Always surrounded with Sabudana-wada fans ! Located at Bohri Ali, Ravivar Peth
12. Prabha Vishranti Gruha – Narayan Peth – good old place near Kesari Wada.
13. Manohar – Good one… typical Konkanastha Bramhin style sabudana wada. Located near Mehendale Gaur age, Nalstop.
14. Mahila Udyog – Nice taste. This shop is run by Anath (senior) Mahila. You may also try out Pohyacha Chivda & Besan Ladu here. Sabudana Wada has got a decent taste.
Fruit Plate-
15. Kamla Nehru Park – Two choices – Full consist of 4-5 fruits whereas Half consist of 2 fruits. Interesting spot located outside Kamla Nehru Park (next to my favorite Sunil Tea House). You may top your fruit plate with Delhi Chat Masala. Parcel facility available. Full plate good enough for 1 person’s lunch. Typically Half plate contains ‘Papai’.

The special blog chain on “EAT PUNE” will limit each blog for 15 spots only, categorized food-wise.
Please forward me your suggestions/inputs/YOUR SPOTS.
Next in Action – EAT PUNE - Part 02 may bless all with ‘Samosa’,’Pav-Patis’, ‘Pav-Bhaji’, ‘ Vada-Pav’ and ‘Cold Coffee’….stay tuned !!!!!!!!!!

Disclaimer: The purpose of this blog is to provide reader with interesting food spots in Pune. The spots referred in the blog have only been recommended by writer and unfortunately, he does not hold any control on reader’s tongue ;). It also does not mean that writer never eats at home or writer’s wife cannot cook the food. Please talk to writer before making any perception in this regard.

HOME WORK FOR BUSINESS VISA INTERVIEW AT AMERICAN CONSULATE IN MUMBAI

“HOME WORK FOR BUSINESS VISA INTERVIEW AT AMERICAN CONSULATE IN MUMBAI”
Thank you for your terrific response on my first blog!!! Here you go with a second helpful knowledge share for YOU. This may prove useful for those who are going for a Business Visa through their employer. The process given below is based on my as well as my colleagues’ experience and hence many minute details have been quoted.

• Application for Business Visa - Many companies, especially located in non-metro forward your application for Business Visa through authorized service provider of United States of America consulate, called – “VFS Global Services” (visit

www.vfs-usa.co.in or helpline 022 66547600) No documents need to be supported since it is an online application.

Be extremely careful while providing information on any of item in the application form. You always get Interview Date and time after successful submission of Application Form and deposit of visa fees. I assume that these administrative activities will be taken care of by your HR or Admin Department.

Interview Day -
A detailed process flow of interview day. Read carefully…trust me at least 95% of the process will be exactly as below.
1. VFS Global Services Mahalaxmi Office – Reach at least 45 minutes before scheduled interview time. (Exactly opposite to Mahalaxmi Temple)
2. Car Parking (in case you are carrying your own car)– No Parking in front of VFS office. I recommend you to park your car near Mahalaxmi Race Course. 10% chance that you may get place to park (Mumbai-style cut-to-cut) near an adjacent lane near (government colony). Extremely less chance that you get parking place on/near Pader Road.
3. Do – Carry 1) your Original Passport, 2) Visa Fees Paid receipt (HDFC), 3) Invitation Letter from your customer/parent office 4) Interview Confirmation Letter 5) Sponsorship letter of your office 6) Income Tax returns for 3 years 7) Latest offer letter/increment letter and salary slip as your income proof 8) Rs.200 (change) for snacks coupon to be purchased. 9) Another 200 bucks for emergency expenses. 10) Only a carry bag or folder containing these papers.
4. Do not – carry 1) Mobile Phones 2) Money Coins 3) Any electronic devise 4) Any bag or pouch or wallet. This will help you to pass all security check-posts quickly.
5. Dress Code- Wear only formals. Tie/Blazer not necessary. If possible, wear a trouser without Belt. (since you are required to remove belt at a security check-post at consulate.
6. Even if you see a long queue outside VFS office, show your interview confirmation letter to Security officer, they will let you in. Then, join the queue inside.
7. Purchase (compulsory) coupon of Rs. 200 which will be used for VFS services and snacks – (1 Coffee and 1 sandwich). For any reason, if you are carrying ‘Don’t carry’ item mentioned in 3 above, join the Locker Queue next to toilet. It is a free service, but always busy and time consuming.
8. Seat in the waiting room. Enjoy Coffee Day’s coffee and 1 sandwich. Preferably seat in the first row inside the room. VFS officers are friendly. They will call out ‘Interview Time’ about 20 minutes before the scheduled time.
9. Join the queue again which will take you to the main door again where you can easily see a bus. Seat in the Bus. VFS officer will ask you to take out Passport and Interview Letter (only) without Fees Paid receipt and keep the same in your hand.
10. Bus will take you to US Consulate. Once you reach consulate, you will see the crowd.
11. VFS officer will connect you to the main queue. Note – no help/questions are entertained by security officer or any other officer from here. Go inside.
12. Security Check here – Since you are not carrying mobile phones, electronic devices etc., security officers will quickly let you in. Wear the belt.
13. Once you enter in – Your Right - Consulate officer (lady) will check your passport and interview letter. She will then take out a ready envelop (green color) and will ask you to go to counter 1 (your left from door), corner – You need to give impression of your all fingers. They will take your passport and interview letter and will give you a token.
14. Carry token (usually pink color) and wait for your token number call out. Do not go to washroom since sometimes your token may be called out immediately. Consulate does not have electronic display board. There are about 14 cabins. Interviews for Business Visa usually scheduled at Counter 4, 5, 6, 7 or 8. The interview officers announce token number. Be careful and attentive. Sometimes we may not follow US English accent.
15. Once you get into interview room, be confident. Answer all questions asked considering a normal human conversation.
16. Strong Tip here- The interviewing officer will ask you questions based on the information written on YOUR APPLICATION FORM. Trust me…. This is applicable for any interview in this world. Hence, YOU are the best person to answer any question.
17. Example questions – What is your current income? Why are you travelling to US? How many days will you stay in US? Which part – Chicago, San Francisco etc. ? What is your educational qualification? Give information about your Company or your customer …… All these questions, YOU can answer after reading Visa Application Form.

Guru-Mantra: In my opinion and experience, if we meticulously study our Visa Application form, we should be able answer all questions.

Request - Please add your experience in the list by email me at theambarish@yahoo.co.in
All the best.

Cheers!
~Ambarish Vaidya
Chartered Accountant

Disclaimer- The information contained in this blog is meant to help reader. This blog does not guarantee success to get any visa for United States of America. Reader of the blog may apply his own judgment while preparing for Visa Interview and writer of this blog is in no way responsible for any action taken and also cannot guarantee correctness of any statement written here above. Issuing Visa for United States of America is solely at the discretion of USA Consulate in India, Foreign Affairs Ministry of USA and/or any other competent authority on this behalf authorized by Government of USA. This blog should not be read as Expert Opinion or Guidelines to get visa for USA or any other country for that purpose.

Top 10 Tea Spots in Pune

Welcome to blog series from THE Ambarish !!! The first blog is dedicated to all "Tea Lovers". The blog page lists down Top 10 Tea Spots in Pune with its specialties, exact locations.
Here you go --- starts with Rank Number 10 .........
10. Bharat Natya Mandir Canteen - Decent taste, you may enjoy the tea with home-made wafers. Tea is served in old amrut-tulya style cups, but nice taste.
09. Priyadarshani Tapri - Old spot ...na...katta for BMCCians on BMCC road. It is unfortunate that I am rating Priyadarshani Tapri (also known as PD) on 9th spot since I drunk probably 1000 cups of tea on this spot.
08. Vahuman Cafe- Iranian Hotel. Always busy place. You may rarely see girls here, but good girl only. I guess these nice girls stay somewhere near Boat Club road. Good quality bun butter can be enjoyed with tea... can be used as stop over. The owner is old Irani baba-always keep on squeezing his waiters...you say thank you to him after paying the bill, he will say "God bless you my dear son !!!". Located next to Jahangir Hospital. I dont loose chance to visit this cafe if I am travelling on road to Bund Garden.
07. Amba Bhuvan Amruta-tulya - One of my favorite tea spot. Located on Kumthekar Road --> inside a building opposite to New Sweet Home. Let your wife go to Tulshibaug for shopping and you can enjoy cups of tea here. Radio with frequency FM 101 is always turned on here. Small Amrita-tulya, but a great space for gossiping. I regularly visited this spot for about 3 years. Extra sugar in tea :(
06. Goodluck Cafe - Nice Tea, Bun Bread, Bread-omelets....try out anything here. A great spot to drink & eat. Popular since past 75 years. The cafe has three section- outside section (tables with white marble) is used only for TEA and snacks. No lunch/dinner served here. The room behind Cash Counter is used for both tea as well as lunch/dinner. The third section which is outside the hotel building, is used for lunch/snacks. You may go for Veg or Non-veg Samosa with Tea.
05. Tilak - Located on Tilak Road, next to Tilak Smarak Mandir. A popular tea spot for Behere Classes students and SPians. A good quality tea. Ample variety of cigarettes. You may go for Sabudana Vada with Tea. You can easily understand taste & quality of tea with its color. Nothing less than a perfect tea color.
04. Hotel Ashok - Unfortunate !!!!!!!!! This was Rank 1 for many years !! Since past 4 months, Hotel Ashok reduced ginger quantity in tea and also the boiling time, to cope up with increased popularity & rush. But still nice taste. This is a very old spot on Pune-Mumbai old Highway, located exactly opposite to Fugewadi Jakat Naka. Batata Vada-sambar (famous dish here) followed with Tea helps you to get fresh quickly. Sabudana Chiwda with Tea is also a great combo. If you have throat infection, do go for this spot. Ginger effect helps your throat to relax. Always go for 2 cups of tea. Slightly extra sugar.
03. Heaven Snacks - Superb tea. Same quantity, same quality, same taste, same 'kadak', same interior since past 15 years. All traffic duty vehicles stop their tempo under No Parking Board here and entire team along with Traffic Hawaldar enjoys tea free of cost. I dont suggest to go for snacks here as you may not find it hygienic. Located near More Vidyalaya/Paud Road Post Office (corner).
02. Mayurashwar Amruta-tulya: Top Top Top Top Class Tea !!! Fantastic Amrut-tulya. Just PERFECT Taste. You cant getter better tea than this. Clean...good space for collegians. Located exactly opposite to Garware College. Extremely popular among Garwareians. You will also get "EK NUMBER" quality and yummy 'cream rolls'.
01. SUNIL TEA : And Rank One goes to most popular "Sunil Tea Stall' - Next to Kamla Nehru Park. A perfect colored Tea, appropriately boiled, always fresh are some of the features. Park your car or bike near Datta Mandir, walk for 50 meters to enjoy tea without any burden. Another specialty here is "HALAD DUDH"....superb taste...good for your throat.

Summary -
I suggest to try out all above spots since this is my personal ranking. Amruta-tulya tea have consistency in taste over the years and everywhere. But some people don’t like it due to extra sugar in tea. Some of the well known Amruta-tulyas & Tea Spots in Pune are -
1. Amba Bhuvan - Kumthekar Road 2. Tilak Road- opp. Tilak Smarak Mandir (good one) 3. Amruta tulya next to Hotel Lajjat, Sadashiv Peth 4. Amruta tulya opposite Poona Hospital (hide behind some fruit stall). 5. Special Amruta tulya located near Kunte Chauk, Lakshmi Road 6.Central Cafe - Next to Panchali Hotel, J. M. Road and 7. Garden Cafe- Off Moledina Road
I can also consult you on purchasing tea powders of non-packaged tea. Few popular shops in Pune are -
1. Maharashtra Tea Depot - Best BEST BEST, Mandai and Paud Road (near Sai Driving School) 2. Tea Emporium - Near Tulshibaug-Mandai Road (next to Anokha), Kothrud- HDFC Bank ATM
3. Mumbai Tea Depot - Next to Datta Mandir on Dagdusheth Ganpati Mandir Road
4. National Tea Depot, Mandai

Please do not hesitate to connect me if you need any assistance to locate any of the place above. theambarish@yahoo.co.in.
Cheers! ~Ambarish Vaidya

Disclaimer - Any information contained in the blog is written to the best of writer's knowledge and expertise. It does not necessarily mean an expert comment and meant only for reader's benefits/information. Any action performed based on the information contained in the blog is reader's own responsibility and writer of the blog shall in no case be held responsible or accountable for any outcome.