Wednesday December 19, 2018

Visually Challenged, yet a Printing Expert: Meet Kalim Iftikar Shaikh of Mumbai

Kalim received the license for his business in 1984 and struggled hard to establish the printing business over the years

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  • Kalim Iftikar Shaikh is the one of the owners and founder of M.K. Stationery and Printer in Parel, Mumbai
  • Astonishingly, Kalim is visually impaired and yet he is adept at working with binding, cutting machines
  • Today, Kalim’s business is well established and he continues to work for its improvement

One of the partners of M.K. Stationery and Printer in Parel, Mumbai; Kalim Iftikar Shaikh is one of the lucky people who loves what he does. As surprising as it may seem, Kalim is visually challenged and yet he manages to work flawlessly and regularly with machines. He operates a semi-automatic cutting machine alongside managing the binding works. The cutting machine, being semi-automatic, helps him to determine when to cut the paper. He said that it may not be the ideal job for a blind person to work with machines but he has learned the techniques very well. He has completed his course of printing machines and other things related to the printing science from the National Association of the Blind. He says that even blind people can now work with the proper usage of their touch, tactile and hearing senses.

printweekin1

When Kalim proposed the idea of opening a printing press, his family members were supportive of him. Kalim received the license for his business in 1984. They struggled hard to establish the printing business for years. Today, his brothers Sarfaaraz and Ibrar help him to run the shop now and are part owners of the press. They have other workers along with themselves who work in the press. However, they are not much dependent upon the other people because they do most of the work by themselves, mentioned the printweek.in report.

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The annual income from the shop is about 20 lakhs. The State Bank of India is a regular at their press. They print their different kinds of forms like pay slips, deposit slips and so on so forth.  It prints report cards, notices and other things for different schools. M.K. Press needs about 10 metric tons of paper every year.

Kalim’s family is extremely proud of his achievements.

Kalim and his brothers. Image Source : printweek.in
Kalim and his brothers. Image Source : printweek.in

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Talking about the print technology and business Kalim said to printweek.in, “The quality of the paper is the same, but the cost of the paper has risen by 20% as compared to past 15 years. If we speak of one change in the printing industry, the thinking should be changed in offset printing. There is a difference between a material being printed at a local photocopy shop and at the printing press. Today, the value is more for a print at a photocopy shop as compared to an offset printing press. The customer thinks that the cost of investment is the same in a photocopy shop and at a printing press.”

– prepared by Atreyee Sengupta, an intern at NewsGram. Twitter: Etrui14

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  • Aparna Gupta

    This man is an example that being a physically challenged, cannot stop you from achieving success. He is an inspiration for us.

  • blah

    very good.

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How to Maximize Your Chances of Being Approved for a Credit Card

Apply for a credit card with Bajaj Finserv to ensure strong security, enjoy a host of rewards and benefits and get up to Rs 55,000+ annual savings.

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Credit Card
Opt for a credit card that offers multiple benefits.

While you may see many credit card offers regularly, getting approved for one isn’t as easy. Maximising your chances of being approved begins way before the application stage and here are a few tips to help you:

Take your time to research

Jumping at the first credit card deal you see is often a mistake many make when they are starting out with a credit card. Just because a deal is advertised to you, doesn’t mean you will get approved.

Hence, you should take your time to assess three important things

  • Your requirements
  • The NBFC or bank
  • Terms offered by different issuers
credit card
Another step towards digitizing India is Encouraging Digital Transactions by exempting service tax on Cards (Wikimedia commons)

Terms like interest rates, annual fees, and rewards and bonuses are essential features of every card, which you should carefully check and compare.

For example, the Bajaj Finserv RBL Bank Credit Card offers up to 20,000 reward points as a welcome gift as well as the possibility of earning reward points on every transaction you make. Free movie tickets and other benefits can be enjoyed every time you reach a milestone.

Check the eligibility criteria

Every financial institutions issuer has different credit card eligibility criteria, like age, income and credit history, which you should check thoroughly before applying. Skipping this step may result in rejection which is going to negatively affect your credit score and the chances of getting approved for any other card as well.

Review your credit score

The first thing any credit card issuer looks at when you apply for a card is your credit score. It’s on the basis of this that the lenders assess your financial behaviour and the degree of risk they face in issuing you a credit card.

credit card
A person using credit card for transaction, Pixabay

You should request for a copy of your credit report before applying for a card so you can review it and see if your credit score is ideal. If not, then you should take the time to improve your credit score before applying for a card to increase your chances of approval, by applying for a lower category card, and making other payments as well on time.  

Lower your credit utilisation ratio

The credit utilisation ratio shows how much of your available credit you actually utilise against the total available limit. Having a ratio of 30% or less is advised by financial experts because having a higher ratio is an indicator of being credit-dependent. Hence, maintaining a low credit utilisation ratio is going to help you improve your chances of getting approved for a credit card.

Be careful with the details and the documents

While applying for a credit card, you will be required to provide a lot of information in your application including current and previous employment, salary, current debts, contact numbers and addresses among other things.

Make sure to be accurate with even the minutest of details and ensure to not miss out on any field because an incomplete application is grounds for rejection. The application usually requires several other documents which you must submit as per the issuer.

Credit Card
Every financial institutions issuer has different credit card eligibility criteria. Flickr

Apply for a credit card online and get instant approval with minimal annual and joining fees.

Ask your spouse to add you as an authorized user

If your spouse has good credit history, ask them to add you as an authorized user on their credit card. This is easy to do and will give your credit score a boost, increasing your chances of being approved for a credit card.

Things to note

In addition to the above tips, remember to pay of all your outstanding bills on any other credit cards you own, and steer clear of applying for multiple cards at once or within a short time period.

Instead, opt for a credit card that offers multiple benefits. For example, the Bajaj Finserv RBL Bank SuperCard is a card that gives you the power of 4 cards in 1. It’s a credit card, cash card, loan card and an EMI card, all rolled into one that provides industry-first features.

Also Read: Mobile Banking Becomes Main Personal Banking Channel In Singapore

Apply for a credit card with Bajaj Finserv to ensure strong security, enjoy a host of rewards and benefits and get up to Rs 55,000+ annual savings.

You can also avail easy financing by the way of pre-approved offers for a host of financial products. The pre-approved offers make the process of availing loans easier and quicker like never before.