In this issue we have covered articles on Transformation Efforts of the Banking Industry of Bangladesh in the New Normal - Prof. Shah Md Ahsan Habib; Time Bank is need of the time - Rajeev Kumar; Has the wheel Completed full circle - M Raghavendra Rao; Crypto Currency - Prabhat Singh Suman; Startup  India  Scheme  - A Review - Dr. V S Kaveri; Foreign Contribution Regulation Amendment Act 2020, Guidelines and Bank Procedures - K. G. Sridhar.   We have covered news on Banking, RBI, Industry, Mutual Fund and Co-Operative Bank News.      Besides it covers other interesting features.