Jul 3, 2011
Individual, Who?
Oct 15, 2010
An Essay on Education
Jun 28, 2010
The Death of Mr. Common Sense
Apr 5, 2010
Love, Scoop and Dhoka
Feb 10, 2009
Taxing Airfare
A month back while returning from Bangalore (my first visit after the new international airport was constructed), I encountered a most vexing announcement- ‘All domestic departing passengers are requested to pay Rs. 260 as User Development Charges at the terminal entrance’ Now as a rule I am not against levying of taxes and it is not a question of money either but after the huge amount of taxes which airline companies already charge from the passengers (as everybody knows normally fare charges constitute only 5-10% of your total ticket amount; the rest are pure taxes), paying any sort of tax again was something of an anathema to my typical CA brain (Ahem!). When I went & asked the airport authorities I was told that the private developers of the airport were levying taxes for ‘building and maintaining’ the airport. Sic. Then I realized that about 4% of these charges goes in the Govt’s kitty. In short, we are being charged for making use of something which should have been our right, since most of us pay our taxes regularly which in ordinary parlance is anyways supposed to be used for infrastructure development issues, right???. This is a blatant example of 'double taxation'. I had no option but to shell out the money, grumbling and mumbling that inspite of being a frequent flier out of Mumbai and Delhi airport for the last so many years, had never heard of such ad-hoc charges being levied! Later on, I learnt from my cousin, that such charges are also being levied at the new Hyderabad airport.
Little did I know that the Bangalore/Hyderabad model would find favour with all airport maintenance authorities in the country. Today news has come in that Govt has allowed the GMR-led consortium Delhi International Airport Ltd (DIAL) that is operating and upgrading Delhi airport, to impose airport development fees (ADF) on passengers upto Rs 200 on domestic traveling and 1300 on international traveling. And news has come in that not to be left behind, Mumbai Airport has also applied to the Govt to allow it to levy ADF.
In short, your air journey is going to become more taxing, literally!!
Dec 10, 2008
Gavyatra....
Yeah, I have been again missing from the blog scene (this missing act has become too much of a regularity though). I have just had the most incredible two weeks of my life. A time to practice what I preach, so as to speak. After harping on the necessity of financing the grassroots in my earlier blogs, it was time to hit the road & actually assess the impact of micro-finance in the grassroots. And so we did- penetrating the heart of rural India. An India most of us have heard only in Amrita Pritam/Premchand books or seen in Shyam Benegal movies.
The ABN AMRO India Foundation gave 15 of us the opportunity to study the impact of microfinance on the beneficiaries (rural women), through one of its MFI partners CASHPOR India (Cash & Savings for the Hardcore Poor) which has its major operations in UP & Bihar hinterland. And so, 15 of us from the length & breadth of ABN AMRO offices aided by 7 local boys acting as interpreters, gathered in Varanasi to cover approximately 25 villages across 4 districts of UP- Varanasi, Mirzapur, Ghazipur & Chandauli.
It was an experience by itself getting up at 5 am most of the days, hitting the road by 6, traveling through dusty, cold roads, walking through muck filled kaccha roads, finding houses spread apart over 10 kms, facing lack of sanitation facilities, eating invariably Rotis and Aaloo-Gobi sabzi in roadside Dhabas and above all grappling with Bhojpuri & Khadi dialects spoken in the region. Really a world apart for a true-blue townie like me. But boy, did we ever relish this experience...beautiful countryside, refreshing pollution-free air and above all warmth seeping through the simplicity of the village people. And all through-out we had Mother Ganges to guide us through our journey!
Interviewing the people was an altogether amazing experience…at some places the village folk assumed us to be representatives of Electricity dept collecting bills! But once these people heard the name of Cashpor India & were made to understood that they were not being interrogated for any financial reasons, they were only happy to help. These people are really amazing: loss of livestock is a far monumental problem than death of children in the family. Most of the people struggle to earn 60 Rs. Per diem, but don’t think twice before spending lacs of rupees on weddings/death in the family (mostly through borrowing from the moneylender on interest rates as high as 15% per month!). We met both sets of people: prosperous villagers supplementing their seasonal agricultural income with various industries started with money borrowed from Cashpor- Animal Husbandry, Saree weaving, Grocery stores, etc & also the poorest of the poor lot; people who could barely feed their children because of illness, loss of livestock, effect of flood/draught. But what stuck us the most was the ever-present smile & the warm welcome accorded to us wherever we went. I can truly say that inspite of being poor, these people are far richer than us in the happiness quotient.
It was a revelation to understand the implications of micro-finance. For a corporate banker, a small ticket loan of 20,000 would be something unimaginably insignificant. For a city-bred person 20,000 would mean monthly shopping expense. But for a villager 20,000 Rs would mean annual income for his huge family. And therein lies the whole difference. But it would be really churlish to ignore the commercial aspects of the microfinance business, especially the almost non-existent NPAs. And I could actually see why. The self-respect and discipline micro-finance has installed in these people is a phenomenon seen to be believed. It was really heartening to see women walking as far as 10 kms every week to their centre, whatsoever weather, ailment, financial disaster etc to repay their weekly loan instalment. The seriousness by which these women swear their commitment for repayment in their concluding meeting prayer is an absolutely heart-touching experience.
Microfinance clients
Many things left us completely stunned, speechless. Here we could understand the true implications of the social problems of the country. For eg a family we visited in Mirzapur had 21 children, but even they were stumped in actually counting the no. of children in the family and where they are located! Child marriage is extremely prevalent here with the system of ‘Gauna’ practiced rampantly- in which the girl is married off at a very tender age but resides at her parental home till 15-16 yrs of age. But the severest problem we encountered was the caste divide. When finding out the location of a particular family, we would face difficulties on account of the fact that the villagers would be ignorant of families of another “Biradar” (caste). Imagine living in a small village for decades altogether, still not knowing the other residents because of the caste divide. But certain things made us smile too…people may/may not have electricity in their huts, but onething you would find frequently is- a mobile phone! Another incident which put a smile on my face was a household I encountered which was not educating their daughter, but was sending their young 15 yr old daughter-in-law to college…truly something really appreciable in these parts.
The RBS Team along with the local student-guides
The team had loads of fun too…by far the funniest of the lot were the evergoing discussions on differences between a ‘Cow, Buffalo, Bullock & Ox’ and ‘Tattoo nd Khacchar’. Boy, the theories surrounding the demystification had everybody in splits. (Ahem. Anybody interested in knowing the same can contact me off-the-line). Also a visit to the holy city of Varanasi is incomplete without a visit to Kashi Vishwanath temple, seeing the Ganga Arati on the Dashashvamedh Ghat nd the majestic Buddhist seat of Sarnath. I had my share of embarrassing moments too. When I was interviewing a lady, I found that there was a crowd of 25-30 people observing the whole interview keenly. When I asked what was going on, the lady’s son replied cheekily “Madam, sab aapko dekhne aaye hai” That point of time, I really could empathize with the tiger kept in a zoo peered at by everybody! But the crown..err.. has to go to the Bhojpuri songs I encountered on the trip. “Saniya Mirza Dhoniya pe chance mare re” takes the cake, hands down!!!
The Ganga ghats awash in lights
Buddha's shrine in Sarnath
An image which will stay with me forever is the swaying yellow tinged Mustard crop in the dew-laden sepia-tinged morning. Reminded of those famous Daffodil words:
“For oft when on my couch I lie,
In a pensive or a vacant mood,
They flash upon the inward eye,
Which is the bliss of solitude”
This image will be the one which will always remain with me whenever I think of my incredible Varanasi sojourn.
Nov 17, 2008
A tale of a city
My city- Mumbai. A love affair which began 24 yrs ago and continues strongly till date. People who live here have either of the 2 opinions- either they love it or they hate it. But love it or hate it, u just can’t ignore Mumbai. The city keeps on constantly reminding you at every turn, at every nukkad, at every by-lane that u are part of a culture which has a soul of its own. An interesting pot-pourri of difft cultures but still unique on a standalone basis.
I have traveled extensively in India over the last couple of yrs. As a rule I never compare cities because each city has a fabric woven with the hopes, aspirations and dreams of so many people calling it their home. I have worked with many out-of-townies whose favourite past time is berating the city. And I often don’t react to their criticism bcoz sometimes it is well-justified. But you don't have any option right?
Yeah, sometimes the city gets to me as well. Sometimes I feel throttled by the fast paced life. Sometimes I feel like running away from the crowd. Yes, I hate traveling through a crowded train without even leg-space to stand; but everytime I travel home at 12.30 am from work & I see a big crowd in the ladies compartment I feel grateful. Yes, I hate traveling on bumpy roads, but everytime I feel the wind messing up my hair as I drive around Marine Drive or Palm Beach drive, I feel my spirits too rising up. Yes, I hate the huge waiting list outside a restaurant on weekends; yet when I am assured of a good meal at even 2 am in the night anywhere in the city, I have no cause for complaints.Yes, I hate the huge crowd of vehicles waiting ahead of me at a traffic signal when I am getting late for work, but then everytime I see people getting down from vehicles and taking the mantle of directing traffic through flooded lanes or when the city is rocked by serial-blasts, I feel happy about the spirit of the people in the city. Such is my life. Such is my city.
But now the spirit of the city has got eroded. And it is indeed surprising that it took few people with vested interests to bring a city of this magnitude to its heels. Yesterday, while returning home from a nearby mall with my Dad, I faced the first-hand experience of the unrest in the minds of people. My rickshawwaala was stopped at a police check-naka and asked for his papers and the fact why he was not wearing the uniform mandated by the Govt. Fair enough. But when my driver made the feeble excuse of his uniform being given for washing, the havaldar asked, “Kyu, kapde kya Laloo ke gaav mein bheja hai kya dhoneko?” & confiscated his license after giving him a hard slap. While all this was happening, we saw another rickshawwaala being caught on a similar pretext but who managed to drive away scot-free after pressing a 20 Rs. Note in the hands of the havaldar. In response to my query why he didn’t do the same, my rickshawdriver said “Kaun pakdega usse memsaab, wo to Marathi hai. Hum se to kam se kam 100 Rs lega. 20 saal ho gaya hai Bambai mein rickshaw chala rahe hu, par fir bhi aajkal roj Mumbai mein rehne ke liye jhunjna padta hai”. Me and Dad were completely flabbergasted to see how the people supposedly responsible for the law and order in the city were using divisive elements to mint money.
For the first time in my life, I felt ashamed of being a Mumbaikar.
Aug 27, 2008
PDA or PDD ???
Well, this topic stems from the myriad discussions that arose after I had put a status message on my G-talk the other day- 'Too much PDA is a huge put off'. Had all sorts of friends questioning me about my sudden aversion to the obvious love scenes on display in our everyday life.
Every morning I see a young Muslim couple sitting on a bench on Nahur station- cooing, making calf eyes at each other, holding hands, whispering nothing into each others ears; totally oblivious to the stares of the peak-time harried office-going crowd. Some people look patronisingly at the blatantly romantic couple, some frown at them nd others are completey indifferent to their romantic ardour. But today, something different happened. An elderly lady finally decided that enough-is-enough & admonished the couple in front of a big crowd. And the guy had the courage to tell the lady to 'mind her own business'.
You are enjoying the movie but are suddenly distracted by the couple in front of you. They are getting more than frisky and you are uncomfortable for yourself nd the people accompanying you. Public displays of affection (PDA) are rampant just about everywhere. Take a walk to your neighbourhood mall, the local jogger's park, back-seat of a public vehicle or even the road….you see it everywhere. Granted it is the couple's private life nd if they want to put it on exhibition, well, to each one their own....but the moot point is 'How much is too much?' Do we have the right to politely say to them "Guys, cool it!" without risking a cold "Mind your own business?"
Personally, i am put off majorly by 'too much' PDAs. Not that i am a prude, unromantic, cynical person; but somehow the very idea of putting my private life on exhibition for all sundry lascivious eyes is a put-off. Holding hands, an arm around shoulder, a bear hug etc all is fine. The problem arises when the display becomes too sexual. And I am not touching on the topic of societal norms anywhere here. Remember guys, you are still in India, where most people lack the maturity to deal with such situations. I mean, you definately wouldn't want to be in the backseat making out, where u can have the rickshaw driver staring at u with filth-filled eyes, would you?
The most common argument that I encounter against my view-point is that these lovers lack places where they can express their privacy..Agreed, very valid. It may help if some places are ear-marked as 'private zones' without the law-makers butting in their privacy. Maybe the trick lies in striking a balance. That means, not going off limits but not being completely alienated too. Restraint is the name of the game guys! Lawmakers & elders for once can get a little more generous for a change and realise that the world is getting more expressive!
On reading my status message, DS came up with his gem, which had us both rolling with laughter..."Affection is such a good word to be used in PDA and what u see nowadays is much different than 'affection'. It should be called-
PDD- Public Display of Desperation!"
May 8, 2008
Dungeons & Dragons!
Somebody asked me yesterday conversationally,"Hey, U still read Harry Potter na?? Escaping from reality, Veekay?" And that made me think....
Every child lives in his own magical world, a world full of enchanting princess, of dragons & dungeons galore. He hears stories of mighty kings, blood-thirsty knights, of the wicked witch, of evil stepmothers & of the prince-charming. And starts believing in the idiom, "Burai par hamesha sacchai ki jeet hoti hai !"
'Happies Endings?'
As time erodes & reality creeps in, he realises that the world he lived in is a make-believe world. An Utopia. An illusion.
In real world, good may always not triumph over the evil.
In real world, prince-charming may always not come to the rescue of the princess.
In real world, it is not always possible to unchackle the chains of the dungeons.
In real world, there are no knights-in-shining armour battling ur demons for u. U have to battle ur own demons.
The child then starts thinking that ours is an age past frontiers, past adventures. The mysticism is lost; lost along with innocence of childhood.
However, if u dare to keep aside the cloak of realism wrapped around ur eyes, u realise that the mysticism still exists though forms have changed. Dragons wear political-outfits & terrorism-suits today. Society's demons have taken the form of nepotism, hypocrisy & bureaucracy. The evil witch roars in the altruistic form of reservations for difft sections including the so-called "minority" & the "weaker sex".This is really like a playground bully going to the principle to get the really smart kid in the class punishment, because she studied and did better on the last test than he did..
But along wth this mystic evil, real life princesses, prince charming & knights also exist; however, even they have been so blinded by the appearances in this crafty, indifferent world, that they themselves need to be convinced of their own powers.
Yet sometimes, in this jaded world, there are some who have realised the truth, who make us believe that we still can wield the 'Excalibur', which can help us change the world as we wish.
All is not Lost; the magic still exists. We are magic!!
Jan 21, 2008
On Halla Bol & Conscience
Was watching the flick Halla Bol yesterday eve with a group of friends. A film about the awakening of a man’s conscience, forcing him to take a second look at his own jaded, disillusioned existence in the glam world & inspiring others to have a second dekko at their own so-called principles through his efforts of bringing out the truth. Really thought-provoking movie.
But the conversation that followed the movie was even more thought-provoking. While returning from the movie, my friend Shipra (a civil lawyer) & I had an animated conversation in the train, discussing the flick. Do the awakening of the conscience which occured to Ishaan (the protagonist of the film) really happen to people when they actually see a women being molested, teased or even beaten by her own family members? Or are such cases restricted only in the celluloid Utopian land? Our thoughts particularly turned to the recent New-Year’s eve incident of molestation of two women by a group of 70-80 hoodlums outside the J.W. Marriot Hotel. And the much-publicised Jessica Lal murder case, the incident which has inspired the said film. In the above two isolated real-life cases, it was the public outrage which forced the authorities to atleast take cognizance of the offence, leave aside meting out punishment to the guilty. But there are so many unregistered, unnamed cases of crime which go unnoticed because people choose to turn a blind eye to the appalling happenings… Either the people have suppressed their conscience by adding layers of their fear to it or have become too indifferent to even let their conscience find its own voice…
At night, I asked myself what I would have done, if somebody was mauling another in my presence; be it a woman or a man…To be honest, if the victim were to be a woman, I would definitely try to curb the violence…but even I don’t know what would be my reaction, if the victim were to be a man…
In the dull drudgery of living, some choose their own conscience & pursue the cause till the end; the majority is content watching by the sidelines. What would be your reaction?
Dec 23, 2007
Sab kuch Chalta hai!!
Read this on Ujjwal Banerjee's (Lead India finalist) blog at http://lead.timesofindia.com/Ujjwal_Banerjee.asp?pid=28. Very thought-provoking. Reproducing it here:
"Chalta Hai' nahin chalega
The day my nation adopted or rather accepted the vice of chalta hai, we opened our windows to all kinds of debilitating practices.
We started spitting on the road, pissing by the side walls. Getting away by paying a fraction of the penalty for unlawful activities, became a subject of jest. Coming late to meetings got converted to the stale joke of Indian Stretchable Time. Using deceit in competition became a mark of ambition. Holidaying at the nearest picnic spot on the day of election, littering on the streets by taking our hand out of a Honda City, started sharing e-mails on how the select section of our brethren speak English and everything and anything.
The danger with this attitude is that it allows us to accept anything and everything which a more advanced nation would frown at. Gradually it reduces the shock value of things and acts as a nice tranquilizer and we stop getting angry at the above mentioned things. This attitude of chalta hai has done more harm to this nation than perhaps anything else. How can we assume a Shanghai out of Mumbai or any other transformation of sorts unless we start checking these things within and without!!!
The belief (which I have found in a lot of people) that we have rights and government has duties is a statement smacking of sheer arrogance and is to a large extent suicidal for overall development. As responsible citizens we have to settle for nothing but excellence in our day to day activities. Be it turning to the polling booth in largest number or mainting our nation clean.
We, as a nation have immense potential- we just cant allow it degenerate into mediocrity If we want our corporates to compete with the Apples and Googles of the world or want our government to match our infrastructure to Shanghai or for that matter see our atheletes match up to the mettle of their western counterparts, only excellence in attitude would be the key.
Chalta hai nahin chalega."
Ujjwal has hit the nail on its head..It's precisely this Chalta hai attitude that has been the bane of our problems...an attitude which distinguishes India from the West. This attitude has reared its ugly head from time to time. How then else can we justify the fact that the day after the train serial blasts in Mumbai last year, the whole city was on its feet, pretendingly unfazed by the loss of life? Some people hailed such attitude as 'resilience of a Mumbaikar'.For me its sheer indifference.
For years, a moot point which had stopped FIIs from taking advantage of our strengths was the perception that India is mired in red-tapism & 'Babudom' - a direct fallout from the chalta hai attitude. Its only after myriad efforts on many fronts, has this perception lessened to an extent.
As India is poised for its correct place as a superpower, its high time we recognise this bogey which is pulling us down & take corrective steps.
