Are you new to working or banking or HR itself ! Please enlighten me... Your query is like one of the five blind men trying to figure out an elephant. Do you think, you will get enriched just by receiving or by my sharing the so-called 'stuffs' ! What is your aim and what do you want to prove here friend ? If you are qualified in HR in some way or the other, you would have, by now, got knowledge about the 'stuffs' ! If you are really keen to know and not yet qualified in HR field, better undergo a course or, best still, you search in internet, download, read and understand. Please remember, sharing from our end is easy but getting to know the 'stuffs' by your own search, learning will add more weightage and only then 'real learning' can take place. Do not think that I am arrogant, or rude or whatever you may think. But these days, youngsters do not bother to go to the extra lap to learn things by themselves. They want things to be delivered to them like Dominos Pizza ! Please make an attempt to learn things by yourself. Internet is abundant with the 'stuffs' ! Best wishes