Two Boss Two Bank Forgot Loyalty

Author Kedi Ganapati

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✦ Table of Contents ✦

• The Desperate Job Hunt
• First Job — ICICI Bank DSA
• The Truth Behind the Sales
• Two Offices at the Same Time
• The One Lie
• The Station Bench — A Talk with Ganesh
• The Chhui-Muhi Theory of Loyalty
• 6 Life Lessons

The Desperate Job Hunt

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CHAPTER 01

I desperately needed a job. I would reach college at 10 a.m., attend just one hour of lectures, and then spend the rest of the day hunting for work. My poor English always made me fail interviews. Still, I was determined — I decided I'd keep knocking on every office door until someone hired me.

One day I picked Vashi Plaza in Sector 17 and started going floor to floor. After 23–24 rejections, I walked into a company called Interactive Private Limited, a DSA for ICICI Bank credit cards. Because I had previous experience doing ICICI car loans at another DSA, they hired me on the spot and handed me the offer letter the next day.

First Job — ICICI Bank DSA

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CHAPTER 02

The target was 25–30 cards per month, but most executives were selling 4–5 cards every single day. I was doing 3–4. I also made alliances with another bank's DSAs. We'd exchange leads. I'd pass them my ICICI forms, and they'd pass me theirs. Then I'd call those customers and sell them ICICI cards — listing endless benefits, never mentioning a single drawback. Some days I sold 2 cards, some days 10.

We always hit the team target. ICICI would release the bonus, and the manager and team would decide how to celebrate.

Team: "What incentive is there this month — a picnic or a liquor party?"

Mostly everyone shouted, "Liquor party!"

I didn't drink, so I always said, "Picnic."

I worked there for three months. In the first month, we went on a picnic to Malshej Ghat. The next two times it was liquor parties. The manager said, "This victory is because of you too, so you have to drink." I tried one bottle of beer. It was horribly bitter — like bitter soda.

Friends: "Finish it! Drinking half a beer is bad culture — finish the whole thing!"

I didn't want to offend anyone, so I gulped it down. Within minutes I felt dizzy and nervous, sweating like crazy. Everyone laughed at me. That day I decided beer and my body were not made for each other. Never again.

The Truth Behind the Sales

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CHAPTER 03

I was careful — I'd look at the forms and only call customers who could actually benefit from a credit card. I never wanted someone to drown in debt because of me. So out of 10 leads, I'd select only 3–4 genuine ones.

"It felt unethical, but I tried to keep some honesty in a dishonest system."

Most executives pushed all 10 leads without thinking twice. I couldn't do that. Even inside a broken system, I chose to protect people who trusted me with their financial decisions. That small choice — those 3–4 genuine calls — kept my conscience alive in a world that didn't ask for one.

Two Offices at the Same Time

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CHAPTER 04

Then one day my friend Atul, an ABN AMRO Bank DSA executive, said:

Atul: "Our Dadar branch needs one executive — you. Will you join?"

Kiran: "I already have a job in Vashi. I can't leave it."

Atul: "No need to leave Vashi. Come to Dadar in the day, and go to Vashi in the evening. The manager already knows you. Let's go right now."

I went with him. The Dadar manager told me to start the same day. While sitting for the "interview", I sold 4 ABN AMRO cards.

My new routine was mad:

9 a.m. — reach Vashi office, pick up leads, catch train to Thane.
In Thane — exchange forms with other DSAs.
1 p.m. — reach Dadar, sell ABN AMRO cards.
5 p.m. — back to Vashi, sell ICICI cards till 8–9 p.m.
Then home, eat, sleep, repeat.

The One Lie

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CHAPTER 05

One day in Vashi office, while on a call, instead of saying "ICICI", I accidentally said "ABN AMRO Bank". The manager was standing right there.

Manager: "You just said ABN AMRO. You're doing someone else's work sitting here, aren't you?"

Kiran: "No, no… I heard the name ABN AMRO today; it sounded funny, and I was just humming it… That's why it slipped out."

He laughed and let it go.

But it was the first time in my life I had lied at work. My heart started pounding. I hated myself. I felt I had stained my own pride and loyalty. I couldn't even look the manager in the eye anymore.

"I remembered what they told me during the Vashi interview: 'Once you join us, you cannot work anywhere else. If you do, you're a fraud.'"

The next day I told the Vashi manager I wanted to quit. He asked me to complete the month. That whole month I felt like a criminal in both offices.

The Station Bench — A Talk with Ganesh

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CHAPTER 06

That morning, instead of going to Thane, I sat on a bench at Vashi railway station. There is another mind inside me — I call him Ganesh. He is wise, calm, and has answers to everything. I decided to tell him everything.

Kiran: "I'm working for both ICICI and ABN AMRO at the same time. Am I cheating? Am I committing a crime?"

Ganesh: "In your view, what is cheating?"

Kiran: "They told me in Vashi — if you work anywhere else while working here, you're a cheater. Now I'm doing exactly that."

Ganesh: "When a person tries to stay loyal to two different people or places at the same time, one of them starts doubting his loyalty. That's when he feels like a cheater."

Kiran: "I didn't understand. What is loyalty?"

Ganesh: "Loyalty is when your priority is attached to someone or something. When the priority shifts or is doubted, loyalty breaks."

Kiran: "Speak like a child, not like a book."

Ganesh: "You don't have a childish mind; you have a flirtatious mind — always dreaming about girls the whole day."

Kiran: "Fine, then explain it in flirtatious language."

Chhui-Muhi Theory of Loyalty

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CHAPTER 07

Ganesh: "Suppose you're dating two girls — Chhui and Muhi — at the same time."

Kiran: "Chhui-Muhi? Use real names!"

Ganesh: "If I use real names and tomorrow your friend asks you the same question and you repeat my example, and some girl's name matches his sister — then the beating you'll get, I'm not taking responsibility for that."

Kiran: "Okay, Chhui-Muhi is fine."

Ganesh: "Chhui says, 'If you want me, you can't even look at another girl. If you do, you're a cheater.' Muhi says, 'We're just for fun. When we're together, you're only mine. When we're not, do whatever you want. But if you look at someone else while you're with me — you're a cheater.'"

Kiran: "Do girls like Muhi really exist?"

Ganesh: "Do you want to hit on Muhi or learn about loyalty?"

Kiran: "Loyalty."

Ganesh: "Vashi office is like Chhui. As long as you work there, your priority should only be Vashi. The moment you joined Dadar, you broke that priority — that's why you feel like a cheater. The Dadar office is like Muhi. When you're sitting in Dadar, if you only do Dadar work and nothing else, loyalty is safe. The moment you do Vashi work while sitting in Dadar, loyalty breaks."

Kiran: "So in the future should I work for only one company?"

Ganesh: "If the company is your own, you can run ten at once. If it's a Chhui-type company, work only there. If you have to join another, resign righteously first. If it's a Muhi-type company, you can work for many — but when you're with one, only that one gets your full priority. That mindset keeps you loyal and stops you from becoming a cheater."

"That day my restlessness vanished. I understood: to protect loyalty, I must protect my priority."

6 Life Lessons

✦ Conclusion ✦

That was the first and last time I ever betrayed a company. I eventually quit both jobs, but I gained six life lessons I still live by:

1. Everyone's priorities are different — understand and respect them.
2. Never compromise your own priorities for someone else's.
3. When priorities shift, loyalty breaks — and the person becomes a deceiver.
4. If someone changes their priority toward you, let them go; otherwise, they may betray you.
5. If your priority toward someone changes, leave them; otherwise you will betray them.
6. To stay loyal to anyone or anything, keeping priority is absolutely necessary.

Note: This content represents a chapter of Kedi Purana, a 64-chapter work authored by Kedi Ganapati. Kedi Purana is a modern Purana of the present and final Kaliyuga.