set myself various goals, i put in the work and the time to achieve them. sometimes the hard work meant i had to sacrifice some things. and sacrifice i did. at university, for instance, i discovered i needed a first - class honours degree so i can join the cbb upon graduation. first - class honours requires at least 12 a's out of 20 courses. i was however determined to get more than the 12 a's since i also knew that the cbb only took one graduate each year. therefore, i refused to party, reduced the limes, and immersed myself in my work. i did not get 12 a's ; i got 20 out of 21 courses. a remarkable feat that i attribute to hard work and sacrifice. i am not the only one. other successful people, including athletes, performing artistes, tradesmen and women, and businesspeople put in the time, the energy, and the effort. the good book supports working hard. colossians 3 : 23 - 24 states, " whatever you do, work at it with all your heart, as working for the lord, not for human masters, since you know that you will receive an inheritance from the lord as a reward. " and if you think that the inheritance the good book is talking about is when you get to heaven, it is not. it is talking about right here on earth. for the good book also says in proverbs 22 : 29 " do you see a man who excels in his work? he will stand before kings ; he will not stand before unknown men. " so, my friends, let hard work be your guiding principle. building communities among yourselves would help as well. these communities should function like support groups. such groups provide motivation, encouragement, and 2 / 3 bis - central bankers'speeches backing to its members, and would serve you well as you embark on your vocational studies. you can also use these groups to collaborate and pool resources to build integrated businesses later in life. for example, the future carpenters in this class can and should team up with the masons, plumbers, and admin officers to form a one - stop construction company. in this way, you own the business. to the parents in the room, i urge you to fortify your support for your children as they begin a new chapter. they are taking advantage of this second opportunity to improve their fortunes. they will need you to help them stay on track

as the general line of credit granted to nabard by rbi have been increased. the simplified procedure of assessing the working capital needs on the basis of 20 per cent of the projected turn over is being extended to borrowers having working capital limits up to rs. 20 million as against rs. 10 million earlier. this should benefit a large number of small scale industrial units. 16. the measures announced cover a wide range and touch almost every part of the financial system. some of the measures are directed towards improving the functioning of the various markets and bringing about a greater integration among them, which should reduce the volatility of the rates in these markets. these measures are in the nature of institutional and structural reforms. the improvements in the credit delivery system should remove the ‘ chokes ’ in the flow of credit. 17. all in all, the measures announced should have the effect of accelerating economic growth, keeping inflationary pressures under control and improving the flow of credit from the banking system to the various segments of the indian economy.