I AM EX BANKER. I HAVE TAKEN VRS AFTER LONG SERVICES FOR 23 YEARS . NOW I AM HAVING MY OWN IRDA CODES FOR LIFE INSURANCE AND HEALTH INSURANCE. ALSO I AM HAVING MY OWN AMFI REG CODE . I AM HAVING MY OWN FRANCHISEE FOR NSDL ... FOR WORK RELATED TO PAN TAN AND TDS. BEING EX BANKER I HANDLE THE OVERALL PORTFOLIO OF BANK LOANS.