Gyanganj vs Baba Vishuddhananda, FAQs

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Introduction: It has been few months, this idea has been working in my mind. But, I barely find any motivation inside to speak out unnecessarily. Still, It’s good to have some influence of Maya to act in daily life. This article is based on following themes. 1. What should be our priority between Baba Vishuddhananda and Gyanganj. 2. My Transformation. 3. FAQs
So, here it begins...
I have received many phone calls, few emails, face book posts on my page questioning about Gyanganj or devotees of some ashram, claiming to visit Gyanganj or how to connect there etc. Now, The best part of an yogi is only being an observer. With this guru parampara, I have followed my change within. So, I will share only my point of view which may give an idea of the whole picture and answer to your curiosity.
Early days;
During 2002-2015, I had read many books, visited ashrams, saints, attended pilgrimage from Amarnath to Kanyakumari, Dwarka to Kamakhya.  I always looked for a Guru who must have some super natural powers of ancient time.
In 2008, I came to bardhaman vishuddhashram and met Jethu, Shri Sarosi Mohan Chattopadhyay, Baba’s grandson. In our early discussions, my questions were, “do you have any connections with Gyanganj?” “Will you request any yogi to help in my spiritual practice?” “I want to be an yogi like Baba Vishuddhananda?” following few years, Even till 2012, I kept requesting him to arrange a Guru for me.
It was clear that I never counted Jethu in numbers as my guru or even baba Vishuddhananda.
Though I respect Jethu as a yogic practitioner. In early days, I never touched Jethu’s feet, but later I did and often asked for blessings that “I can be a Guru gata pran disciple”.
Now, here requires a little explanation. I highly valued a disciple to be committed to its Guru. Disciples are two types, one is “Guru Anugoto”, means obedient to its Guru and second type is “Guru goto pran”, means disciples’ existence, completed dissolved in its Guru. It laughs at its Guru’s happiness or cries at Guru’s pain like that. In time, the disciple becomes Guru alike. Its a very rare virtue, might be seen someone’s last life before getting the highest enlightenment.
Getting into the team; Jethu usually liked to be left alone, leading a disciplined life with regular yogic practice. In his 90 years of age, he had only around 100 disciples. Once I asked him,
‘’why your disciples do not stay around?”. Jethu told, “I intentionally like to keep them away. I am a family man. I have some good or bad shades. If the disciples see me like this way, they may get me wrong which ultimately harmful for their practice”.
Jethu never entertained or gave priority any spiritual discussion or entity other than Baba Vishuddhananda. Sometimes, It looked arrogant. When I wanted to go for pilgrimage or short of things, Jethu scolded me. I thought that he wanted to convert me. So, I hardly listened to his words.
In these years, I used to spend hours daily with Jethu which ultimately formed a very strong bonding between us, already written in details, “Vishuddhashram and My Story-1”.
At that point, I had two options. Someone from Gyanganj (baba vishuddhanda) would initiate me or I would take initiation from Jethu. Which was more practical approach? Though everyone thinks of highest about oneself, here the wise approach to under estimate myself. In support of my conclusion, there were two instance, I remembered
If any visitors came to see Baba, it’s mandatory to take permission to go upstairs. Once a disciple of Baba’s disciple came to see Baba. Someone asked for permission to Baba. Baba said, he was not an outsider, belonged to us, not required any further permission. That person had some doubts. Baba asked him to leave for time being and called his disciple, that person’s Guru, cleared that doubt to him who further narrated the same to his disciple.
Here, I conclude that Baba never discriminates between his disciples and disciple of his disciples, given importance to Guru Sisso Parampara and the hierarchy.
Karali dada was the disciple of Baba. He left for Tibet in search of Gyanganj yogis, finally reached to a cave where Bhavadeb Goswami, Baba’s brother disciple had been staying with his disciples. He scolded karali dada very much and written back a letter to Baba why baba was entertaining these ungrateful people and should punish etc.
All the disciples of Baba were under observation of Gyanganj, they had been helped in many ways. So, with connection to Jethu, I might be able taken in team.
I clearly shared my thoughts with Jethu and after 6 months of waiting and negotiation at the end of 2013, I got initiated.
My days without Jethu; Since 2015, I am all alone. I went for Narmada Parikrama, learnt Reiki, Silva Mind Control, Vipassana. In 2016, I went to Vipassana again and caught there doing my practice. They told, “Either you practice only Vipassana in this camp or leave”. I left. Since then, I have hardly participated any pilgrimage, any ashram, any sadhu or any spiritual discussion. I have made my home an ashram type and worship my deity. My home is the most sacred place for me other than any places whatever rewards offered in Shastra I don't care.  I remind of Dakshineswar for Ramkrishna, Shirdi for Saibaba, Lar Road for Devraha Baba, Kuchut for Loknath Baba. These are very common places, turned in to sacred places. True pilgrimage begins when we control our sensors and start looking within. I had seen Jethu only to move from ground floor to first floor at Vishuddhashram years after years. I asked him if he would like to go out. He told,that was the best for his practice. After Jethu’s demise, I never look for any famous guru outside. I will not tolerate anyone’s nonsense. I am vishuddhananda’s man and there is no shortage of credit ability in our tradition.
Everyday, I think of Jethu as he is more nearer to me right now. I will definitely meet him someday. If there are two options to choose between Jethu and vishuddhananda. I will choose Jethu as we have better understanding. But, Jethu told me to take Vishuddhananda as our Guru. He is just an inter mediator and so I teach the same to my disciples. I am just a broker of Baba Vishuddhananda.
Gyanganj becomes irrelevantI have a bowl in my hand. Now, I go with it to a tap water, a tube well,  a sub mar shell pump, a pond, a river, a spring, a sea. Does it matters? The bowl will fill the same capacity of water it can carry.
The bowl is me, my capability. So, the important factor is myself only to practice more and more to enhance my capability.
First there is God, I am created out of it. I am awakened, become conscious about myself. Now, It has sent a Guru, a messenger of God who teaches me how to reunite with God. So, where I should focus. Decide your self.
Interference with Gyanganj; Myself, My deity, My Guru. I am done. Just meeting a group of specialists will not going to change the truth about you. You will remain the same. Rather it may ruin everything. Few days ago; someone called me over phone. As I am young, he wanted to talk to a mature one. So, I gave him Debashisda’s Mobile No (Great Grandson of Baba). That man had some rough approach from Debashisda and called back me. I told him to call back again later. Debashisda did not entertain that man anyway and when he called back me. I didn’t pick up. So, that smart man lost both side.
Even in Gyanganj Letters we find, “Vishuddhananda, those who don’t trust you. They are like impotent who thinks to become a father”. Also remember again Karalida’s incident.
The world comes to know about Gyanganj through Vishuddhananda and now if someone thinks to pass over Vishuddhananda. God Bless!

Though I don’t claim any copy right of Vishuddhananda over Gyanganj. Our parent ashram might have several activities or source persons. Even, I believe that there are many yogashrams like Gyanganj in Tibet, Himalayan regions or in third dimension. But, there is no mean of chasing them, there is no short cut, focus in preparing yourself, at the end of day I repeat, where you are standing matters the most.
Frequently Asked Questions (FAQs) I often face.
1. Have you any connections with Gyanganj?
No, I always think of connecting to the God and my Guru.
How to reach in Gyanganj? I have watched in Google Earth, Documentary in youtube.
I have no idea. I don’t bother. It's not a place just you walk in to by bus, train or flight.
Can you recommend any Guru?
I am busy in my life. I hardly get into any spiritual activities outside my comfort zone. I don’t know anyone and I don’t want to. You may continue your inner search or find in Kumbh Mela.
Do you know that man or book, claiming to visit Gyanganj?
Look, they are our parent body. Now, no one shares its family secrets to public. So, These things might be false and for cheap publicity. Now, it’s not my job to chase them. God is looking after everything. For better understanding, you may watch my video.
How I can be initiated in this tradition?
I need at least one year or more to know each other properly and then we may move on. I have taken a lot of pain and focused on my guru. Now, if my disciples follow me that’s well and good. I never look back. By the blessings of my guru, my disciples will never be deprived. Now, if someone acts smart, I will  not forgive. “Shiva ruste, Guru trata, Guru ruste no koschon”
I am a disciple of this Guru and now searching for a sad Guru?
I am a very ordinary person. You may go to Baba’s family members or Have patience, You will surely find a sad guru some day. (I should not pass remarks on someone without proper knowledge, but I have seen many spiritual prostitutes and tried to get rid of them at the earliest.)
Being in this Guru Parampara, why do you practice Reiki?
After Jethu had passed away, his family scolded me a lot. “I am fake, telling lies to everyone, you have no connections with us, you are no body without Vishuddhananda etc”.
I thought, I had come this far all alone. I didn’t require any vishuddhananda. There were so many paths to reach divine. I would take some other practice and became a master in that field also. I learnt Reiki, Vipassana and Silva Mind Control.
As I promised Jethu. I kept visiting Jethima once in a week. She used to curse every time for 2 years and then stopped seeing no effects on me at all. “Bachha; Guru ke dwar mein kutte ki mafik, para rehe na”
I remembered old days;
When I was a vegetarian, Jethima told me to eat non veg as Jethu or Baba Vishuddhananda were non vegetarian.
When I dressed up in white like a Brahmachari. Jethu was happy. Jethima asked me to marry like Jethu and Baba Vishuddhananda did.
Same way, that time also, Jethima tried to distract me from Jethu, my spritual inheritance. With passing time, I left exploring other spiritual practices except Reiki.
In 2015, I had already enrolled for being Reiki Master which costs approx 1 Lakh with some money paid in advance.
Following this there was a huge mental conflict but later I decided by some means I have to earn my living where I need my own space and flexibility of time. So, I take Reiki as my profession.
My Last Words;
Twamebo Mata cho Pita Twamebo,
Twamebo Bandhuscho, Sokha Twamebo,
Twamebo Viidya, Drobinong Twamebo,
Twamebo Sorbong, Momo Deb o Devo..
Jai Gurudeva!

Frequently Asked Questions (FAQs) on Reiki...

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1. What is Reiki?
Rei means “Universe”, KI stands for “Life Force Energy”.
2. Where it comes from?
Mikao Usui  of Japan received divine empowerment to heal others. He named this as “Reiki”. It flows from master to disciple through lineage.
3. What it can do?
It brings our body’s energy system in balance from imbalance, thus promotes healing for any physical or mental disease.
4. For which diseases it is effective?
It can be used for any issue. It doesn’t work on the disease, rather on the cause of disease.
5. How long it takes to cure?
Generally, offered 5 to 10 sessions. But, it may take longer or even healed in one session within few minutes where medical science has no answer.
6. How diagnosis is done in Reiki?
Reiki has self intellect what to do, where to do, how much to do. Body absorbs Reiki as much as required through a Reiki Chanel from the cosmos.
7.Is it recognized by Medical Council of India?
8.How it has come to medical practice?
Reiki has been practiced worldwide. In developed countries,  Reiki has been adopted as a good support in modern medical treatment.
Like in America_
Hartford Hospital, Brigham And Women’s Hospital, Nashua Hospital, Emerson Hospital, North Shore Medical Center Hospital, USA
In Europe-
Southampton University Hospitals NHS, Aintree University Hospitals NHS, Liverpool, Wallace Cancer Care (works with Addenbrooke’s Hospital-Cambridge University Hospitals NHS), South Tees Hospitals NHS, Middlesbrough, Newham University Hospital NHS, London, Intergrative Medicine and Digestive Center, MaryLand, Great Ormond Street Hospital, London, St Teresa’s Hospice and many more.
In India though it is not legally framed, patient party often approach Reiki healers to treat their patients at hospitals during visiting hours or in distance mode and discover faster recovery, better results.
9. What if happens, I take one session, can't continue it?
Reiki is a spiritual healing, even 5 minutes of Reiki given, it's never left the patient empty handed. It's something beyond human's understanding.

Aniruddha Group Of Services

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Aniruddha Group of Services
Be our Associate and you or your nominee can enjoy a share of net profit every year for the lifetime.
We incorporate as Reiki Life Line in health care services in 2015 and gradually made another start up in finance market in 2017 as Money Multiplier. We are upgrading every day, adding up new services to give out the best to our clients and society as we believe in growing together.
We thank our professors of Jadabpur University who are our advisory body and keep encouraging us towards this path.

Our Services
1. Financial planning for the riches to poor with Life Insurance Partner (Max Life), Health Insurance partner (Star Health) Mutual Funds partner (SBI, HDFC, ICICI, RELIANCE), Stock Broking (Kotak Securities)  Account opening, Stock Market Training, Tips and Advisory.
2. Tax Advice, IT Return, GST and Financial Auditing with collaboration of CA.
3. Loan, Fixed Deposits (In Process)
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Services and other policies may change time to time, visit this page and our website once in a month.
If you avail any of our services, there is some bonus points relating to that and once you score 100 bonus points. You will be upgraded to an Associate of AGS (Aniruddha Group of Services).

Facilities of being an Associate of AGS
1. You will have an welcome gift for being a new Associate.
2. You or your nominee can enjoy a share of net profit for the life time.
3. You can avail cash back or discount for every fresh purchase.
4. Bonus points will be applicable as usal and can be redeemed after making another 100 points every time.
5. Our company will give 10% of net profit in charity or some noble cause, and you are indirectly contributing in that and make others smile.
6. Our company may arrange some get together or spiritual awareness or cultural program, health camp  time to time and you can be a part of it. Our vision is health, wealth and prosperity_ a complete solution partner for a happy life.
7. With a growing business, we require more man power accordingly. Friends, Relatives of Associates of AGS will get the first call if there are vacancies. Though, we will strictly evaluate their professional eligibility.

Bonus Illustration
1. Life Insurance- For fresh purchase; bonus points will be 0.2%. Example- you are paying a premium of 50000 INR. Your bonus points will be 100. You will enjoy an welcome gift and be an Associate of AGS.                                                                                                   
Same premium, An Associate is purchasing a fresh policy. 10% cash back (It may vary with plans) will be given. In this case, he will receive 5000 INR directly credited to its account and 100 bonus points as well. No cash back/discount/bonus points will be given for renewals as somewhere we need to manage our staff salaries, office expenses and generating profits for the Associates which will be given back to you.
2. Health Insurance-For fresh purchase; bonus points will be 0.1%. Example- You are paying an annual premium of 15000 INR, your bonus points will be 15. An associate purchasing a fresh policy will be given cash back of 5% on premium amount.
3. Mutual Fund- For every purchase of 50000 INR per annum will be counted as 10 points. Like; someone is paying 50000 INR for 10 years. It will be counted as 10 bonus points for every year. And after 10 years, total 5 Lakhs will make 100 points.  An Associate can enjoy 0.5% cash back per purchase. In 50000 INR purchase, 250 INR will be credited in its bank account.
4. For Reiki, Tax related works 1% will be bonus points on total fees. Like anyone is paying 500 INR for any IT Return. So, for 500 INR It will earn 5 points. Associates will enjoy 10% discount on these services.  
Associates will be given 20% discount on Books and A general will be given 15% discount.  
For DXN Products 5% discount on MRP will be applicable and for associates, it will be 10% discount.  Bonus points will be 1% of MRP for this entire category.
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6. FInally, If someone from your Referrals takes our service, you will gain 10 bonus points and later on the bonus points he/she will earn for the every time, the same points will be credited to your profile. And this settlement is for the life time. Both can win separately exciting gifts after making 100 points.

How the net profit will be distributed?
In a Financial Year, April to March, We will publish our income statement in month of May in our website.
Say our company has made a net profit of 1 Lakh.
Net Profit means (Gross Revenue-Company Expense) after paying Tax.
Now, 50% will be Managing Director’s share as he is not taking any salary from the company.
10% will be donated for some good cause.
40% means 40000 INR will be distributed among stake holders or associates. If there are 100 Associates, each one will earn 400 INR. And this will continue for life time except Founder of AGS has faced uncertain death. Though we will try to take preventive measures in favour of our associates’ interests in due time.
If Banking system supports, dividends will be credited to the Associates' account every year on Diwali as Ma Laxmi Puja has been performed this day in India and any Earnings on Diwali is considered to bring good fortune for the family.

Our Vision:
1. We never give any discount or cash back for any new clients as we have a long vision, with a negative cash flow, a business can’t sustain and we also need to ensure profitability for the Associates of AGS.
2.  As a GES participant at IIT Kharagpur, we always think for something new or innovative. Like; with growing man power, we have future plans to serve any client in a fix time Ex- “30 minute  Pizza delivery  guaranteed”. We believe in consistently improving our service and providing a most client friendly platform.
3. This company is now a proprietary company and we look forward to grow for partnership, private limited and limited. A company uses its net profit to give dividends (as we already promised) to stake holders or invests in its further growth which will increase profitability for the company and stake holders in due time. Whatever, we are very transparent. Everything will be updated in website. 
Keep following this article and website at least once in a month.

Our Promise:
1. When there will be 100 Associates of AGS, we will organize free Health Check Up Camp every year.

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2. RudraAvishek at 9 am on 7th March and Maha Chandi Havan at 4.30 pm on 7th March at Chowdhury Chira Mill Line Lane, 9 no by lane, Kalna Road, Burdwan.
Hope you will enjoy being with us!
Happy Investing!

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Plan Your Pilgrimage To New Vishuddhananda Tapovan Jhalida (2)

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Due to my profession and as an active member of ashram, I have to be always in public dealings. I have met both good and bad experiences. I realize, in spite of so much negativity all around, due to some good people, this nature is in balance and thousands of people can still hope for a better life.

Dr P.K.Das is one of them with a golden heart. He has his own nursing home and been practicing in Jhalida for last 32 years. He has a long time wish to set up an English medium school. Therefore, Swami Vishuddhananda Gurukul Sikshayatan has come in to reality in few months. The school will have a grand opening on 10th February, 2019 on the occasion of Ma Saraswati Puja. Devotees and disciples of ashram are hereby welcome; Just confirm us about your arrival so that we can make necessary arrangements.

Swami Vishuddhananda Gurukul Sikhatyan
Governed by Jhalida Astha Mob-7872823353,9002819585
CBSE Board English Medium School (Nursary to Class VII)
1, Transportation Facility
2. Pollution Free Ashram Atmosphere
3. Students' Boarding
4. Big Playground
5. Digital Class Room
6. E-Class
7. Medical Help
8. Economical School Fees

Now; I would like to share what Dr P.K.Das has done for our ashram infrastructure (around 100 years old) and what's his planning for the school.
This Ashram main building on the entrance has been painted, the middle room will be a museum, well decorated where photos of Baba Vishuddhananda, Durga Baba, Gui Baba and Debashisda's photo etc will be kept. The right side room will be computer lab.

New Ashram entrance gate is prepared and will be installed soon.

Rooms are being prepared for the teachers' boarding facilities including principal's office.


Rumbles were every where, Ashram floors are now being cleaned.

 Water was licking down through the roof, it has been totally repaired and cleaned.

This well is made reusable after deep cleaning inside which costs 48000 INR. Two tube wells are yet to be made one for school_boarding purpose, the second one for Ma Panchamundi.

This is the school building for class two to class seven. Morning prayer will be done on the ground in front of Ma Saraswati and Baba Vishuddhananda.

Baba Vishuddhananda used to seat on this stone. That white building has three rooms inside for the class LKG, UKG and ONE.

Plan Your Pilgrimage\
Rooms are being prepared for the devotees to stay.
Small hills, forests are all around the ashram, make you feel on the lap of mother nature.
Strong spritual vibration, Baba Vishuddhananda's residential place and above all around 800 years old Ma Panchmundi Mahason.
From 13th/14th March,2020 every year, We will have a grand celebration of Baba Vishuddhananda's Birthday.

How to reach
Rail route is Howrah_Burdwan_Asansol_Purulia_Jhalida, local trains are interconnecting between these stations.
Otherwise, take Purulia Express from Howrah, Purulia Bus Stand is just nearby station, Buses are available to Jhalida
Raanchi is also a big railway station near Jhalida, Buses are available from this side also.
Or by car route as follows Howrah_Bardhaman_Durgapur_Bankura_Jhalida.

The Most Important Point In This Article
Ma Panchmundi Mahason Temple is now around 100 years old. This building is urgently need to be repaired. In the rainy season, water is licking down through the roof and ruining the puja materials. Though this time, I have bough an Almirah to keep these materials safe, but we need a permanent solution. Walls are also soaking the water and being damaged.

Windows's partitions are collapsed, door condition is poor. Everything need to be replaced, colored. Also we are planning to make a shaded seating area for the mediators in front of Ma Panchmundi like Ma Nabamundi Mahason, Varanasi.

Dr P.K.Das only for these purpose; appealed for some financial help from the disciples and devotees of this ashram. He and his team will take care of the rest.

Beneficiary Name-SAPTARSHI DAS
A/C No-401001501087

This account belongs to Doctor babu's son.
For more details, contact- Dr P.K.Das- 7872823353

After your donation, WhatsApp 9153121342 mentioning Amount, Your Name, Gotram..for worshiping at Ma Panchmundi Mahason.

You may also visit-
Jai Gurudeva, Guru Kripa Hi Kebolam!!!

Plan Your Pilgrimage to New Vishuddhananda Tapovan Jhalida (1)

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Importance of Vishuddhananda Tapovan Ashram, Jhalida-
As of our organization, We have now VIsuddhashram Bardhaman, VIshuddhananda Bhavan Kolkata, Bhrigu Ashram Bondul, VIshuddhananda Kanan Varanasi, Vishuddhananda Tapovan Jhalida those Baba had founded with his own hands.

Long time ago; Madhabananda Paramhansadev of Gyanganj Ashram (our parent organization at Tibet) had been practicing his sadhana for around 700 years at Jhalida. Later, as per Gyanganj orders, he had left his mortal body and took rebirth as Baba Vishuddhananda’s elder son. In this life, Durgadas was initiated by Baba Bhriguram Paramhansadev and also achieved “paramhansa” at an earlier age. Durgadas Paramhansadev easily recalled his past life and often visited Jhalida for his Panchamundi Asan where Madhabananda used to seat. Uddhab Kumar Singha, King of Jhalida was the disciple of Baba Vishuddhananda. Therefore, He donated all the area adjacent to panchmundi asan, made an ashram building and gifted to Baba Vishuddhananda.
After Baba Vishuddhananda (1937), Durgadas Parmahansadev (1944), Gui Baba (Shri Saroj Mohan Chattopadhyay, Elder Grandson of Baba) used to take care of this ashram till 1979.

Later on, Gui Baba’s wife, Shrimati Gitarani Chattopadhyay and other disciples of ashram used to celebrate Gui Baba’s birthday for few years. But gradually, there left no permanent resident to look after this ashram. Debashisda (Gui baba’s son) who is permanent resident of Bardhaman Vishuddhashram tried several efforts to run this ashram but there was no permanent solution. The ashram got vacant and many things were stolen, then way to its slow destruction. Even Anti Socials might be active there.
Few Years Back;
In 2012 or earlier, my Gurdeva, Shri Sarosimohan Chattopadhyay (Baba Vishuddhananda’s Grandson) was alive. I came to Jhalida for the first time. A member of royal family entertained me. I took many photos of ashram’s poor condition and reported back everything to my Gurudeva. But, nothing had changed.

In 2014 last, my Gurudeva granted me as his successor also took a promise from me that I would look after his family and Bardhaman Vishuddhashram.
I visits Bardhaman Ashram once in a week, Bondul Ashram once in a month, Beneras Ashrams twice and Kolkata Ashram few times earlier but now, It remains locked.
In 2017, I went to Jhalida for the second time, worse condition as it’s expected and this time suprisingly, I come to know that Daily puja at Panchmundi Asan has been suspended for 10-15 years. On few occasions, likely on  Kali Puja, local people gathers here and perform puja.  A matter of great grief that An Yogi like Baba Vishuddhananda Paramhansadev’s temple has remained abandoned this way.

I came back to Bardhaman, posted articles on facebooks in front of hundreds of ashram devotees, talked to Baba’s family members, trust members. I faced a politics of blaming each other and the second “Being an outsider Who I am to interfere on this?” In last 12 years; I have spent more than one lakh rupees, hours of regular involvement and service in every possible ways, compromised my study, carrier and Still I am an outsider. 
None was to ready to take any charge, finally nothing had happened. Well, I never forget this for a single day. I wanted only to start the daily puja at Panchmundi Mahasan by any means. 
Every year, many devotees go to Bondul Ashram, some of them also visit me on the way at Bardhaman. A Lawyer from Hydrabad with his team came to visit Bondul in January,2018. Mr Lawyer stayed at my home previous night. We welcomed his team at Bondul and cater them well. Mr Lawyer only deals with big shots, corerpati clients all over India, even R.S.S Chief Mohan Bhagabat had come to visits their home long time ago. Mr Lawyer told himself a great devotee of Baba and offered me what if he could do anything for our ashram. I told about Jhalida ashram and I only want to appoint a priest to perform the daily puja. Repairing ashram building is not that important. He assured to help me with all his influences and would come to Jhalida personally and do the needful. Therefore, I convinced Debashisda accordingly and kept waiting for Mr Lawyer’s arrival. He failed two dates and didn’t come. We will not cruise, only good wishes from our side.  We don’t understand what the meaning of acting like this is.

In April,2018 Debashisda went to Jhalida. I requested him to appoint a priest and my team would bear the expenses. Mr Parimal Chatterjee, his son Mr Manik Chatterjee, they are the priest of royal family of Jhalida and they also performed puja on Panchmundi Mahason by generation. From May onwards, I sent 2500 INR to priest’s account in advance as their salary and other expenses for puja. I take someone as my disciple after years’ of observation. So, I have only three at present. I ask to Mr Kolkata, one of them for only 100 INR/month contributions for this purpose. He agreed and after few days, he denied.
This  explanations seems boring to the readers, but this is just to make you realize how much pain I have gone through.
Well, Mr Nitin Panchnathan, Mr Sandeep Tiwari (Disciple), Mr Krishnakanth Sharma have extended their helps. All the income, expenses will be published after 31st March.

Debashisda loves me a lot and also believes me as one of his well wishers. From Jhalida he told me over phone. A Doctor and his team want to set up an English medium school for the first time in Jhalida in the ashram premises and also do necessary repair work accordingly. I immediately give my consent. I also suggest that School name will be on Baba Vishuddhananda and there should be a photo of Baba in every class room.
I often hear news update that work is going on at Jhalida Ashram and on 26th December,2018 I have reached Jhalida to personally observe those things.
Here the next chapter begins……

Inspiring Stories of Stock Market Investors

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India Stock Market Cap is around 150 Lakh Crore

Around 50 Lakh Active Traders is performing trade everyday. So; You can imagine the potential in Indian Stock Market.

Warren Buffett
Born in 1930, the legendary Warren Edward Buffett’s birthplace was Omaha, Nebraska. He is the second child to his parents- father Howard Buffett and mother Leila. Warren Buffett’s father was a U.S. Congressman, who was Scandinavian by origin and his mother was Spanish.
A true entrepreneur at heart and a brilliant student with a knack of learning Economics and business studies, Warren Buffett is today the second richest person of the world after Bill Gates. He is popularly termed as the “Wizard of Omaha” and the “Sage of Omaha”.

Early Life
Buffet’s elementary education started at Rose Hill Elementary School in Omaha. He then went to the Alice Deal Junior High School and soon completed his Master of Science in Economics. From the childhood days of his life, Buffett was always deeply interested in trading and it is from the stock market that he started making and saving money.
Buffett worked in his grandfather's grocery shop and adopted many other means of income like selling cold drinks, weekly magazines, stamps and chewing gums door to door and delivering newspapers. Things took a turn when Buffett and one of his friend invested $25 to buy a pinball machine that they installed in a barber’s shop. As they started generating income out of that machine, they soon installed some more machines in other barber shops.

Early Career
Warren Buffett was just 11years old when he purchased his first shares for himself and as well as for his sister. During his graduation and studies at age of 20 he saved $9,800, and he rushed to meet Graham who was on the board of GEICO insurance. Warren yearned to work for Graham and that too without any fees. But he was refused the job and soon he came back to Omaha. He then started pursuing classes on “Investment principles” during which he also purchased a gas station, which unfortunately didn’t turn out to be profitable for him.

“Someone is sitting in the shade today because someone planted a tree a long time ago” - Warren Edward Buffett

Buffett married Susan Buffett in 1952. They had three children, Susie, Howard and Peter. In 1957, Buffett had three partnerships operating the entire year. In Omaha he purchased a five-bedroom stucco house where he presently lives for $31,500. In 1958 Buffett’s third child, Peter was born.Buffett operated five partnerships for the entire year.
And then the company grew to six partnerships operating the whole year and Buffett was introduced to Charlie in 1959. This was named Sanborn Map Company. Brick by brick he reached at the ultimate position by extending and expanding his business while planting himself with a position on the Board of Sanborn.

Finally in 1962, Warren Buffet became a millionaire and merged all his partnerships together into one. In 1999, he was named the top money manager of the Twentieth Century in a survey by the Carson Group.

After he sold Berkshire Hathaway, Buffett wrote in a letter: "…unless it appears that circumstances have changed (under some conditions added capital would improve results) or unless new partners can bring some asset to the partnership other than simply capital, I intend to admit no additional partners to BPL."
In 2008, Buffett became the richest person in the world. He then went on to become a billionaire with an estimate of his company valuing approximately US$62 billion. In 2009, he donated billions of dollars to the charity and even after that Buffett was ranked as the second richest man in the United States with a net worth of US$37 billion.
Warren Buffett despite having two children and a full-fledged happy family is known to donate 99.9 percent of his wealth. Warren Buffet is a perfect example for the budding entrepreneurs conveying a clear message of vision, mission, focus and hard work.
Countless books have been written about him and his investment strategies:
1. Robert Hagstrom, “The Warren Buffett Way”
2. Carol J. Loomis, “Tap Dancing to Work: Warren Buffett on Practically Everything, 1966-2012: A Fortune Magazine Book”.

Warren Buffett was named as the top money manager of the Twentieth Century. Presidential Medal of Freedom by President Barack Obama
Time's 100 Most Influential People in the world by Time Magazine

Rakesh Jhunjhunwala; also known as, “India’s Warren Buffet” and “The Big Bull’, is one of the most renowned and successful stock market investors in India.
The son of an income tax officer, Rakesh joined the stock market after completing his degree as a chartered accountant. Starting with the initial investment of only Rs 5,000 in 1983, currently, he is sitting on a huge net worth of around Rs 15,000 crores.

From the very start, Rakesh Junjhunwala’s ‘risk and reward’ taking ability along with impressive imagination & wisdom earned him great profits.
His first ever large income was from selling 5000 shares of Tata Tea which he had previously bought for Rs. 43 per share and selling them at Rs. 143. His later career was marked by his buying of six crore shares of Titan in 2003 at an average price of around Rs 3. The stock is still in his portfolio and currently trading at Rs 530.
Rakesh Jhunjhunwala follows the ideology of Warren buffet and believes in long-term investment. He strongly advocates the growth of India and it’s rising economy. Mr. Jhunjhunwala is also confident in learning from mistakes. He often says- ‘Mistakes are your learning friends. The idea is to keep these mistakes small.’
According to Forbes 2016, Rakesh Jhunjhunwala is India’s 53rd richest person. 

Mohammed Anwar Ahmed-The year was 1980, he was a 27-year-old resident of Amalner, in Maharashtra, had Rs 20,000 with him as an inheritance after his father’s death. He thought of investing when he came across a visiting broker from Mumbai, Satish Shah, who had come to acquire shares of Wipro from the residents of Amalner.

The journey begins…
Shah asked Mohammed’s to go from door-to-door and acquire as many shares as he could from the residents. He helped and as a parting gift, Shah offered him 100 shares at a face value of Rs 100 each. Mohammed agreed and invested Rs 10,000 of his inheritance and invested the remaining 10k to start a tiny trading outfit.

How his initial investment of Rs.10,000 grew to over Rs.500 crores.
In 1981, the company declared a 1:1 bonus. He now had 200 shares.
In 1985, the company declared 1:1 bonus. He had 400 shares.
In 1986, the company split the share to Rs.10. He thus had 4000 shares.
In 1987, the company declared 1:1 bonus. He hence had 8000 shares.
In 1989, the company announced a 1:1 bonus. Now he had 16,000 shares.
In 1992, the company declared a 1:1 bonus. By now he had 32,000 shares.
In 1995, the company declared a 1:1 bonus. He then had 64,000 shares.
In 1997, the company declared 2:1 bonus. He now held 1,92,000 shares.
In 1999, the company split the share to Rs.2. He now had 9,60,000 shares.
In 2004, the company declared 2:1 bonus. He thus had 28,80,000 shares.
In 2005, the company declared 1:1 bonus. He came to have 57,60,000 shares.
In 2010, the company declared 2:3 bonus. He now had 96,00,000 shares.
The current market price is Rs. 599 per share. The shares are valued at Rs. 575 crores.
Hence, his shares are valued at Rs. 599 X 96,00,000 (number of shares) = Rs. 575 crore.
Also, over the last 33 years, he has received dividends of Rs. 118 crores from Wipro.
Thus, by investing Rs. 10,000, Mohammed has gained a massive Rs. 575 + 118 = Rs. 693 crore
He is now retired and donates freely to charity from the dividends he receives. Not just that, he has vowed of not selling a single share till Mr. Azim Premji is the Chairman of Wipro.

Raamdeo Agrawal is one of the founder members of Motilal Oswal Group and MD and co-founder of Motilal Oswal Financial Services. He started buying stocks in 1980 and till 1994; he made a portfolio of about Rs. 10 crore. Then, he read Warren buffet’s tips and worked upon his portfolio to pick quality stocks instead of accumulating bad sticks. In a span of one year time, his portfolio doubled. He is famous for investing in the legendary stock of HERO HONDA in 1995 when HERO was a small cap with a market capitalization of only 1000 crores. Raamdeo Aggrawal invested around Rs 10 lakh in the shares of the two-wheeler manufacturer at Rs 30 apiece, and held on to them for the next 20 years, till the share price rose to Rs 2,600 apiece. Today the market cap of HERO is above 73,000 crores.

During the last 30 year career, Raamdeo Aggrawal investing strategy is based on QGLB: Quality, growth, longevity and bargain value of a company.
 He has amassed a net worth of over Rs. 6,500 Crore 

Vijay Kedia is an Indian investor who was born in Kolkata in a family of small stockbrokers. Ever since his childhood, he was fascinated by the share market but didn't know how the market worked. He started investing at the age of 18, not because of his fascination, but to provide for his family as his father had passed away. Not knowing much about the market, he incurred massive losses in the beginning.

 He moved to Mumbai after few years as things were not working out in Kolkata. He didn't have much money and was forced to live in guest houses and eat on the streets. He saved as much money as he could so that he could invest in the market again. He started gathering as much knowledge about the share market as he could from the people around him and started making investment strategies. In 2004-2005, he invested in three companies which people thought were worthless at that time: Aegis Logistics, Cera Sanitaryware, and Atul Auto. His hard work and patience paid off in nearly a decade when the value of all these companies appreciated more than 100 times. After that, he never looked back and went on to invest in some of the biggest Indian companies.

Kedia, who had started with just Rs35,000, has a current portfolio that is said to be almost Rs1,000cr.

Ramesh Damani, the investment guru and one of the most successful stock market investors in India, started his journey to riches in 1990’s when Sensex was 600 points. He holds a bachelor’s degree in commerce from HR College, Mumbai and a master’s degree in Business Administration from California State University.
Ramesh Damani works at privately owned Ramesh s Damani Finance Pvt Ltd.
The son of a successful stock investor, Ramesh Damani became a member of the Bombay Stock Exchange(BSE) in 1989. Initially, Ramesh planned his career as a stockbroker. However, later he started enjoying picking winning stocks and switched to become a long-term investor.

Ramesh Damani’s first famous investment was ‘Infosys’. Coming from a techie background in the US, he knew that Infosys has great future potentials. So, when Infosys became public in 1993, he invested Rs 10 lakhs in it. By 1999, this investment has given him more than 100 times return.
“I learned that just because a stock doubles, it is not a reason to sell it.”- Ramesh Damani
The investment philosophy of Ramesh Damani is easy and simple to understand. He is a long-term investor and suggests not to invest for short-term gain. Further, he advises everyone to make an exit strategy clear before making an investment in any stock. He further adds that the economy of a market is hard to predict; however if you have researched the stock carefully, and had made a good strategy, then you can easily make fortunes in the stock market.

Dolly Khanna, the name we hear along with Rajiv Khanna. The couple is based on Chennai. Rajiv Khanna has graduated as a chemical engineer from prestigious IIT Madras. During their initial days, they raised capital from the sale of family business named ‘Kwality Milk foods’ to Hindustan Unilever in 1995. Since then the golden couple has not looked back. She is into the stock market since 1996 and her portfolio is managed by her husband Rajiv Khanna. Rajiv Khanna is widely known as a brain behind Dolly Khanna’s holdings in the equity market.

Her holdings range from the plastic company to the pressure cooker manufacturer.What makes it interesting is that her stock picks perpetually becomes mega multi-baggers. The couple is quite accurate and expert in picking small potential businesses. Khanna’s are named among the top individual players of the Dalal Street. In 2014, she picked up Nilkamal (India’s top manufacturer of Home and office furniture), the stock which surprisingly has gone up 900% (from Rs 197.30 on March’14 to Rs 1966 as of March’17) in past 3 years, nearly 10 times.
Their first multi-bagger in their portfolio was Hawkins Cookers. They kept buying stocks till June’09 at the price of 130-140. Today is stock is worth Rs 3400 and also the company has given 70% of its profit as dividends.
Avanti Feeds, Nilkamal, Rain Industry, Emkay Global, NOCIL, PPAP Auto, Sterling Tools, Thirumalai Chemicals, Asian Granito are the few examples of her stocks that went to become multi-baggers once she added them to her portfolio.
Rain Industry is the prime target of her investment followed by Manappuram Finance, NOCIL, Thirumalai Chemicals and many more. Her another interesting investment is in Trident where she holds 1.03% of the stake as of Dec’16. Since her investment, the price has risen up to  82.25 as of March’17 form 57.55 on Dec’16, giving 42.92% return, She recently bought a lot of shares of  Butterfly Gandhimathi, which is also favorite of Ashish Kacholia. But her main target is Rain Industries where she bought 1.27% of the equity in June’17 and increased it up to 2.57% of equity until December’17.
Nevertheless, if the couple sells some stock, then it doesn’t always mean that they have lost their confidence in the company. It’s just that they might have found something else that’s worth more investing. Avanti Feeds is such example where she sold many of them even at low price and price went even high after the sell-off. Though Avanti had given her a fair amount of gain even at that stage.
The above stocks (along with some others) make up around INR 1 billion. as a net worth. Also, there are few stocks which are not yet disclosed to stock exchange as they are below the statutory limit for reporting. So, the aggregate will definitely roar above INR 1 billion!
During a seminar, Rajiv Khanna said,
“Investors have to move beyond value investing and look at growth stocks if they want to find multi-baggers for their portfolio.”
Generally, the couple is a believer in long-term investment, but sometimes they also sell off the stock if it’s giving them a pretty sum of returns at that stage. Rajiv Khanna says that he relies on public information to make his investment, unlike some market analyst who bothers themselves talking to management of companies.
So how do they decide? Here are his words :
“Like in tennis you play different games on different courts – hard court, clay court and lawn, we also study the market situation and pick our stocks accordingly. It can be either a value stock, growth stock, momentum stock or buying based on technicals”
Chandrakant Sampat-
Early life
Sampat was born into a Gujarati family in the year 1929. Unsurprisingly his father was taking care of their family business.
He was one of few people then who came to understand about software. His software background and his Perl (Practical Extraction and Reporting Language) skills enable him to make such brilliant assessments. His skill sets apart from his vast sea of knowledge is what gives him an edge over other investors.
When he grew he was not like most of the people of his time. The young man decided to say good bye to his family business and take stock investing full time in the year 1955.
He had the impression that why to run a business if you can buy some wonderful companies listed in BSE at attractive valuations.  The same advice he gave to his another disciple Parag Parikh when Parag had a business failure and went to Sampat for advice.

His big bet
Sampath was greatly inspired by greatest management theorist of all time, Peter F. Drucker. In accordance with Peter F. Drucker, every company is measured on a rigorous scale of productivity and innovation before forming a part of his portfolio.
Sampat was well-read and kept up with the Economist and the international edition of Fortune. In the year 1970 Foreign Exchange Regulation Act or Fera was introduced. The legislation required foreign companies to dilute their equity at prices lower than their intrinsic value.
He was practicing value investing religiously. He was well aware of the size and scale that these businesses could achieve. So he became one of the early investors to join the Fera party.
His picks included Gillette at the price of Rs 16, when it was called India Shaving Products Limited.  The ace investor also bought Hindustan Unilever, Nestle when the shares price were in its teens.
All those stock went on to become super duper multibaggers and Sampat earned the title as one of the foremost value investors in the country.
A bit of Personal Life
Like all great investors he was also no exception; he used to read a lot and kept himself updated with latest market news around the globe.
He always believed in maintaining a simple life. For him physical fitness was one of the top priority. Sampat was a regular jogger and extremely active.
Not only does Chandrakant Sampath make a lasting and powerful impression as a master investor, Sampath also makes a mark as a man of unflinching and rigorous discipline.
An out and out fitness freak, the octogenarian investor’s fitness regime includes yoga exercises, iron pumping and jogging.
Moreover, he follows a very simple diet. “I have not eaten sugar, fatty foods or salts in the last 50 years! I just have my salads, bananas and sprouts” he says.
Last part of Journey
Starting almost from scratch, simply by picking stocks and companies for investment, he was often referred to as a guru.
He came across as being obsessed with moneymaking. Nevertheless, he was amongst the most objective and emotionally detached persons you are likely to hear in a lifetime. Moreover, that includes detachment with money.
His emotional intelligence especially his ability to defer gratification was probably his most important strength.
Towards the last part of his journey he became bearish on stock market and moved most of his money into cash or cash equivalent.
“There was a time where I have 70% of my networth invested in equity” He said once.
The drastic change in diversification is more of a shuffle at old age when risk taking capabilities reduced quite a bit.
He fell sick for few days and in the year 2015, at the age of 86 created a irreplaceable vacancy on Dalal street.
Investing Philosophy
Chandrakant Sampath advocates value investing and long term investing as the 2 cornerstones of wealth creation.
“Markets and mistakes are the best education. The conventional education just closes the mind”, he feels.
“Experience is not an asset. The future is going to be entirely different, and the past can provide little clue about the future,” he states directly.
He puts high importance on free cash flow and longevity of business.
What is Sampat’s secret to good investing? when asked answer came.
Invest in a business you understand, the company should have either zero or very little debt, the share should be available at a P/E ratio of 13 to 14 times the current year’s earnings and lastly, it should be available between 3.5% and 4%. “It is that simple!” he says.