The 'rise and fall are the “Andhrapreneurs” ' reminded me of my first account with a private sector bank. I had always felt uncomfortable with private sector banks. A couple of interactions with their representatives had left me uncomfortable, similar to my comfort level in 5 star hotels, that is, I don't belong there.

On an impulse, I walked into the branch of Global Trust Bank in Panaji. I needed a demat account and they were on the list given me by the share broker. I was very surprised. 

• It was clean and pleasant. 
• It was tech savvy.
• The person was genuinely helpful.
• I felt at ease.

My relationship with the bank increased. There was once some financial interaction my parents had to do. They visited the GTB branch in Chandigarh and were very impressed as well. They too opened an account there :) Had it been nearer, that would have become their primary branch.

Even after the bank was taken over by Oriental Bank, these branches continued nearly as before. I believe part of the reason must be that the working environment in these branches was much better than in one of the original Oriental Bank branches I visited. 

I miss the absence of GTB and wonder 

• what if election funding was far more transparent in India?
• what if we got rid of the 'First Past the Post' elections given the multiplicity of parties and interests they represent?

I am sure the fate of entities like GTB would have been very different and India would be a far richer and better country.