As you already know that, when you fill the form then you say, that you are ready to serve anywhere in India. Have you ever thought what type of problem you'll face if you will be posted in North-Eastern states of India?

well, to help you, the following points may be useful for you. Just read and think over them...okeys......

First, weak market linkages are a major constraint in the development of the region. For this reason, urgent attention needs to be paid to developing roads, air links, telecommunications and other components of transport and communications. Investment in infrastructure could be scaled up through the Public-Private Partnership model.

Second, initiatives need to be taken to promote sustainable industrial development compatible with the unique bio-diversity of the region. Agro-based industries, food processing, wood products, traditional textiles and light manufacturing industries can be encouraged to come up in the region.

Third, there is a need to increase agricultural productivity and promote diversification into horticulture and floriculture for which the agro-climatic conditions in the region are well- suited.

Fourth, a sustainable growth paradigm will not only help further acceleration in growth but will also improve fiscal sustainability by helping to lower the debt-GSDP ratio.

Fifth, the high level of literacy and human development levels coupled with bio-diversity provides ample opportunity for development of tourism and exports.

Sixth, a deterrent for bank lending is the high level of non-performing assets (NPAs) in the region. This has been, in part, due to unviability of some of the activities financed by banks and lack of adequate engagement with the borrowers. There is, therefore, a need to improve credit culture in which financial education could play a vital role. In addition, banks will have to augment the staff strength in their branches with an emphasis on staff with knowledge of local customs and practices. Given the preponderance of community-based society in NES, group lending could be a successful mode of credit delivery. Hence, there is a need for promotion of self-help groups (SHGs) with greater linkage with banks. In this regard, NABARD has an important role to play, not only in promotion of SHGs, but also in capacity building, along with SIDBI and concerned state government agencies. Another area where there is substantial scope for expansion is low-cost housing. Expansion of housing loan remains poor as mortgages cannot be created in many parts of NES. However, banks can explore innovative structures for housing loans with a greater emphasis on group lending.

Seventh, in any plan for financial sector development, the physical presence of a bank branch is important. But the topography of the region, the dispersal of population, transport bottlenecks and law and order conditions in some areas inhibit branch expansion other than in certain commercial centres. Hence, all the stake-holders ­­- banks, state governments and the Reserve Bank - need to work in close co-ordination for increasing banking penetration and promoting financial inclusion in the region.