Voodoo Death!

Don’t break too many rules with impunity!


Last week an event took place in Pune in a major hospital. A 25-year-old was being treated in the ICU. She was shifted from a small private hospital where she had undergone a surgery, and things started getting out of control! The doctor who did the surgery but realized the limitations of his own and the hospital. Unfortunately, things had veered so much out of control that the lady could not survive and died. This news item came in a leading newspaper and then it became viral. Initial information was, “So and so hospital tries to cure by performing rituals by a God man!” The lady had died of multiple organ failure!

There are many issues. First is that this ritual was performed in an ICU of the major hospital. Secondly the ritual was performed by a “God man” in the presence of the doctor who had treated the patient before shifting her to the big hospital. A video was allowed to be taken inside ICU where hospital nursing staff was partially seen in the video! Initial newspaper report gave importance to the name of the hospital and it appeared as if the large hospital allowed the ritual to be performed in ICU.

So many things have gone wrong in this event that it becomes difficult whom to blame. First and foremost is the ritual! How can a trained doctor allow this, that too in someone else’s hospital? He just took a decision to do it. Second is the psychology! Probably the patient’s health had reached the point of no return. So, the act was performed in desperation! Unfortunate part is that the patients 20-year-old brother was the only relative present and doctor apparently asked him if it was ok to perform the ritual. The immature person allowed this but he himself took the video of the event! How can you allow videography in a hospital room where the patient is on the death bed? The godman performed the ritual with impunity as if it is a daily event for him. It is desperation which leads to such rituals being performed as a last resort. It is a tricky thing to pass judgment on these things.

One event and see how many wrong things have been done! Is it the problem with our society? Is it in our DNA? When I point out something which is not good in our society, some of my friends get disturbed. But I feel that once in a while we should look into mirror and be reflective. The sequence starts with God man’s ritual. It is well proven that these rituals have no effect on events in our life. Still we keep on doing the same. It is illegal to perform such rituals but we don’t care.

Who should be going in an ICU? Why a patient is kept in ICU? Intensive Care Unit is an area in any hospital where critical patients are looked after. It is equipped to handle all type of emergencies that may crop up during the treatment. To me it is an area where “nobody” should be allowed to go in except may be a person who is doing the work of an attendant. But what happens in real life? We crowd the area, we go and meet the patient even though we may be carrying some infection like cough and cold. If an unexpected person goes to see a patient in ICU, excitement may get generated. In a patient who is critically ill, excitement is not good and it can affect the patient’s health. On top of this a video was taken inside ICU! Are you trying to capture last moments of a dying patient?

Allowing this event to happen was definitely hospitals failure. There are systems and processes about who is to be allowed inside ICU area? How could there be three outsiders in that room? Of course, part of the blame is with us too! We must meet the patient, irrespective of the health condition. We will do anything and everything to get the entry. What about the Doctor who was present? This doctor’s hospital had handled the main surgery, so he was very much aware of what had gone wrong! For what he did, does he not deserve disciplinary action from the authorities? Why his license should not be revoked? Will he go scot free and keep on doing what he has done?  Newspapers also have equal responsibility in this blunder. Their first reporting indicated as if the large hospital performed this ritual. It was someone else who came and managed to perform it without the knowledge of the authority. From next day reporting changed but it is a public relations nightmare created by press due to incorrect reporting! This is totally unacceptable.

When will our society come out of this backward-looking thought processes? People may justify and say that it was the last desperate attempt to bring the patient out of difficult health condition; for some it is like going to a psychiatrist! But to me, in all this affair the doctor is the main culprit, as far as I am concerned. I will tell you an event that happened in Mumbai.

In a government hospital in Mumbai, a lady was being advised by a doctor during her pregnancy. This doctor also had her own private hospital. She convinced the patient to have delivery in her private hospital. The lady died during the delivery, as complications came up and her hospital was not equipped to handle complications. The hospital was situated in a hilly terrain and approach roads were in poor condition. So, shifting the lady during complications was next to impossible. The family of the patient took the doctor to court. The doctor argued that the lady was a tricky patient; she weighed 120 kgs. So, chances of complications were very high; death of that lady was not surprising to the doctor. The judge asked the doctor one simple question. When you knew that the case was complicated, why did you ask the patient to come to your private hospital, which was not equipped to handle emergencies. Doctor had no answer. She was jailed!

Friends, let us not do things that are not correct. Let us not look at everything for personal benefit. Let us make a better society, come out of retrograde thought process. Let us keep the traditions but apply scientific thought when we follow them. Meeting sick person is ok but meeting very sick person who is in ICU is not Ok! Let all professionals take modern scientific view of the situations rather than looking through old thinking and continue with old unproven non-scientific ways. All these actions will make a better society. It’s not only about the death of the lady but Voodoo death of the whole system!

False Pride 2!

Why do we cheat en masse?

In my blog False Pride 1, I had mainly written about attitude and behavior of the people. One of the most important aspects in Indian ethos, is that many old practices and traditions have continued. We have songs, poems and writings about clean and beautiful rivers with lovely birds; we have sayings like “cleanliness is godliness”. But this is one area where we have failed miserably.

                                          जहॉं डाल डाल पर सोने की चिडिया करती हैं बसेरा, वह भारत देश हैं मेरा।

Roughly translated, the song praises India, “The place where Golden Sparrows live happily on trees, this is my great Country, Bharat!” The song also says we are peace loving and truthful, disciplined people. Sometime back a satellite was sent in space and was given the work of checking on our great Bharat! They got many high-resolution pictures. And lo what did they find? All the scientists were flabbergasted while studying the photos. The photos were taken by special laser and X ray vision.

All over India they saw bits of paper lying all over and flying in the wind, of course Kachra! All over India they also found a lot of chits of paper neatly bound and stored. They thought that Indians love cookies and as they analysed the data further, they were surprised that cookies were metallic as well as paper cookies! When this data was given to Indian Government, they found that it is hoarded money and gold!

We as a society are proud of our culture but en masse we break rules, we cheat. It all starts with our daily routine. It is about morning ablutions. Even in the year 2018, our government is still required to run advertisement informing the importance having toilets inside homes. In olden times, as there were no pucca homes, using places a bit away from home was natural, though a bit risky. This practice continues even today; in certain parts of India it is macho to say that we have toilets in home but we still go in the field. It is so manly!  But what about women folk?

Our holiest of the river is the river Ganga. It is said that if we take a bath in the river we will be purified of all our sins. Maybe it is possible, I have never had a  bath in the Ganga but I am told that it is very dirty. Many towns, cities dump their drainage directly into Ganga, the tanneries dump their waste in it. Even today the dead bodies are dumped in the river with a belief that the person will go directly to heaven, due to this final holy dip! Successive governments are allocating large funds to clean Ganga but the problem is unresolved due to unclean minds of the people.

Pune, the city where I live, has a pair of rivers called Mula/Mutha. We have the same problem of drainage going in the river without treatment, by design; corporation has not built many sewage treatment plants.  The river Mutha is so small that the water that generally flows, is drainage water. While doing survey of the river bed, while designing the path for Metro, the team leader during the visit asked, “Where is the river”? The municipal corporation shows total apathy, people also add to this apathy. The building and road construction people, dump their rubble in the river bed. There is no check on them, they are never caught even though this is done openly. While driving on any bridge on the river, we see people throw the old flowers and pooja material  in the river. It is supposed to be the correct thing to do so, as per traditions.

Then of course, we have mass looting of sand from rivers, ores from mines mafia. We have sandalwood loot from jungles. There are people who steal electricity en mass. People in certain areas just don’t pay electricity charges; when authorities come to cut their power, they are beaten and forced to go away. I read in today’s newspaper that for high school 12th grade exam in UP, 1 million examinees just did not turn up. The reason? Government has taken strict measures to ensure that the education mafia is checked. Proxy candidates appearing for exams was the norm, hence the absenteeism, now. In Marathwada region of Maharashtra, some years back it was suddenly seen that students became brilliant, their pass % almost reached 90% plus. This was simply due to lax supervision. Once government ensured that district collector was personally responsible they had to make sure that there were no malpractices;  result % of pass students went below 40%.

You go to any major city in India. Vehicles are parked in no parking areas or on footpaths in droves. Signals are similarly jumped en masse. Once the traffic policemen go home in the evening, the traffic boards of “One Way, No Parking, Even/odd date parking” exist just for the name sake. Two wheelers are meant to carry two people, we ride 3/4 at a time! Helmets are mandatory for two wheelers, majority simply don’t follow the law. We see auto rikshas ferrying 12/15 children for school, when the official capacity is 3!

Where is this leading? How to prevent this? Who are the people breaking law? It’s you and me! It is rich and the poor! It is people from city and villages! It is educated and un educated people!  All break various laws en masse! Many of us are proud of breaking laws. We sing paeans of our heritage, our culture, our traditions! These traditions came into being when people lived in smaller places, villages; there was no population pressure. Why old disciplined culture from villages not transferred to large cities? In fact, this same lack of culture from cities is now going back to smaller places. Probably, in olden times, people respected, each other, helped each other because most knew each other. In the anonymous culture of large cities, people just don’t seem to care or bother about others. But again, some of our brethren who live in foreign countries, merge seamlessly with local culture where they normally live; once they are back in India, they are back to their normal Indian behavior. Does this mean that they behave differently in foreign countries not by choice but because they are forced to so?

We have a great culture, which goes back to thousands of years. We have great traditions. I am not able to understand why these changes have happened in our mass behavior in cities as well as in villages; the foreigners politely say, ” Oh, India is a different country!” What is the way out of this? How to coax masses to behave in orderly disciplined way? How to make people understand that cheating in every thing is not the correct way? People say that this should start from school level. But we read of big scams where teachers never go to schools, to get the grants, higher number of students are shown on the roll! Teachers take the profession because many of them are not good enough to do anything else. There are institutions who do not pay the salaries to teachers for months together.

I will tell you story of my cousin. He is a PhD from IIT, Kanpur. After retirement from industry,  he taught his subject in one of the engineering colleges. Then he wanted to move to another city. His college offered him to stay on their payroll. Well they needed a good PhD. They offered him Rs. 1,00,000/ salary per month! So where is the catch? The management told him that they will withdraw Rs. 80,000/ every month using ATM card. He did not join back!

I am not a pessimist! But these are some problems for which I do not see any solution in near future. Do you?  What is it that we are proud of? My beautiful, lovely India is only in songs!

Budget! It’s not a Game show!

My take of yearly budget; handle it with prudence!

Annual Government Budget has been a political show for years together but over a period it has lost its sheen and it is less of a show. When India became an independent nation, budgeting process had to be started. India as a whole, had never been a sovereign country before independence. In 1947 November, India’s first budget was presented. Of course, India was a poor country then and even now the large majority of the people are poor. But over a period, India started many industries, services, IT services was a major proponent of growth. India has a large number of farmers and farming sector, even today, it engages largest number of people. With the rapid growth in various sectors, India’s GDP is in top five nations in the world, though its per capita income is still very low, due to large population.  

As expected, India had a great difficulty in budgeting as there was nothing much in the kitty. Balancing the budget was a great art and there was always a conflict in budgetary allocations. Naturally, we started with education, India opted for large public-sector industries, big dams to help farming and to generate electricity. Then there was war with China in 1962, Pakistan 1965 & 1971 and one in 1947. With these wars, allocation started going more towards arms and ammunition. Factories were built to produce war material. Like any poor household, this strategy put stress on other sectors like agriculture, education. Private manufacturing was looked down upon and the industrialists were looked down upon as profiteers. Profit was a cuss word in those days, hence there was permit Raj and there were limits on the quantity of goods that could be manufactured. This type of thinking always led to scarcities and shortages. This further led to hoarding and black marketing. Added to this was political turmoil of 80’s. I think Bajaj Auto was the first company who challenged the government and said we will produce more scooters than the capacity, let us see what you do!

Since last ten years things have improved in India’s finances. Money is around and governments are trying to be prudent about allocations. Making a large country like India modern in science & technology, engineering, transportation, farming and defense is not a joke. Another important area is digitalization of the nation. Huge allocations are required for all these sectors.  

There is a large middle class, rich class, and biggest class is the poor class. Other than allocations for various sectors mentioned, the poor class needs to be supported in such a way that they become self-sufficient over a period of time. Other two classes have the where withal of taking care of themselves with or without Government support. This is what the government has done in the current budget. Poor will not be helped by dole or subsidies. But government actions may help this group in the most difficult areas, handling medical expenses.

Government has proposed a medical insurance scheme which will cover 100 million people in next couple of years. This scheme will cover a family of 5, for Rs.5/ lacs each. This means that 500 million people will come under the scheme. Illnesses have been one of the major factors that have ruined poor families’ finances. This scheme can take care of expenses during illnesses. Cynics will talk about difficulty to implement such schemes etc. Have you heard of something called Aadhar lately? Aadhar will be perfect tool to launch such an ambitious scheme.  

There is one more decision that will help millions of farmers. Government has covered 23 different items where farmers will get higher than today’s assured purchase price. This will help farmers, hopefully, from their current financial difficulties. There will be discussion why item A is not under the scheme but B is under the scheme. But this discussion is natural as everyone will be interested in his own well-being. But it is about people who are poor!  

But I see people like you and me cribbing that Income Tax slabs have not been improved. Come on we pay taxes; the majority who need help are those who don’t pay taxes! We worry that deduction against money spent on medical insurance is not increased. Difference is we are able to buy our own insurance, there are millions who can’t even buy it.  People are worried that iPhone, diamonds will become costly, Mercedes will be costly. Can these be even subjects for discussions? Every group of people want their pie to be improved. All want Indian cities to look like foreign cities. Only GDP increase does not do this. There should be minimum people below poverty line in any nation. Budgets now should now try and achieve this. For this all have to work together and support the Government whether it is formed by Party A or Party B!  Let political parties play the blaming game; it is their business but why you and I should be party to this?  Let them treat it as a game show in the Loksabha or outside the Loksabha!

Another thing I have observed post budget this time, is the proliferation of “Experts” being interviewed by newspapers. Since when students, housewives start giving Stars to the budget? Are they even one star in their knowledge about budget? Ask finance guys, ask people from industry, ask people in the know of it. They should be giving an overall opinion. Many real experts have opined about the effect of budget on their areas of work. Their remaining comments were general comments and not sweeping ones. What do the newspapers achieve by asking such a wide spectrum and asking them to give “Stars”? If by chance somebody had come to interview me, I would have 100% said, ” No comments! I am no expert in national budgeting”. 

Our nation is now on auto pilot for growth of GDP because of actions by successive governments. Now our budgets are what they should be, declaration of intents, allocation of funds to the priority sectors as visualized by the government in power. Let us make sure that this does not become lopsided; help poor to come out of their quagmire. Super rich will become richer without budgetary support. You and I should stop cribbing about vegetables being a little costlier, tur dal being a bit expensive. Sky is not going to fall if income tax deduction percentage is not improved. We want better India, smarter India and cleaner and neater India; let us make it all inclusive improvement. There could a little pain for a few groups, bearing it is tough, cribbing is simple. You decide what you want to do. Jaihind! 


Civilized behaviour of Oldest Civilization!

Civilized? What is that?


Pramod somehow managed to make Internet Genie run at the high speed that was expected of him. Genie as usual started narrating a story. He started with a question, “Pramod why do we Indians behave in different ways to real life situations?” Pramod knew that if he uttered a word, Genie would slip out of his control and system will hang! So Pramod did not give any reply to the question asked.

As usual Genie kept on talking. Pramod, I read in newspapers that a girl student in IIT, Chennai committed suicide. Pressures due to studies is one aspect. But this unfortunate event occurred after the girl was caught copying in the semester examination. The result, she was asked to leave examination hall and her parents were informed. The girl went to her hostel and committed suicide. Two things were to happen, she would have been debarred from exam for one semester and parents were to be informed! When she tried the copying, I am sure she must have known the consequences of getting caught. Pramod, why did the girl end her life? Insult? Repentance? But why end life?  She was just to lose one semester! She had an opportunity to make up for her error! Why copy? Why such a drastic reaction?

Some years back I remember a news item of students resorting to mass copying in Marathwada area, in Maharashtra. Pramod, if you see the photograph below, you will be amazed. The persons helping students to copy are climbing three to four stories from outside of a building. Shocking, to say the least! Are these people not afraid of the authorities? Are they not afraid of injuries? Apparently no! Later, the government took a stiff action and made district officials responsible to stop this. What is the reason for this mass copying? It appears that on passing tenth grade, these kids could get a government job as a peon or office assistant! Before the authorities became strict the passing % was 85 to 90 %. Now it is 45%! But was mass copying the solution?


In Mumbai, Afroze Shah decided to take up the cleanup drive of Versova beach but he is now forced to stop this due to apathy of Municipal corporation, threats by bad elements forcing volunteers to stop work.


Read about their work in the link below.


Afroze Shah is a young 33-year-old lawyer from Mumbai and he just decided a couple of years back, “enough is enough”! He started a drive to clean the Versova beach. Through social media campaign. thousands of volunteers joined to take part in the drive. This is officially recognized by United Nations as a great cleanup drive! The volunteers recently were threatened by bad elements in the society. The latest news is that Shiv Sena has fully supported Shah and has told him that they will talk to police and  corporation. There will be Shiv Sena volunteers to protect the people. Let us hope this works out. Here is one-man army who brought together thousands of people to stand in ankle deep muck, to clean the beach every week end. Why there is so much apathy from Government agencies? How are bad elements troubled by this activity? Let us hope the drive continues!


There was a drive against encroachers of public space. The hawkers were removed from these areas. After eight days same drive was done again, and this time hawkers attacked the officials! It is our right to earn livelihood, they said! But what about right of other people for free space! Hawkers were doing illegal things and wanted space free, for themselves, instead of going to hawker’s zone! On top of that they attacked the officials. What sort of thinking is this? Why do political parties support illegal activities?

Pramod, I want your reply on various points, as I know that you have strong views!! Pramod just could not keep quiet. He said, “Genie, copying during exams is such an unfortunate practice that these kids do not understand that passing exams is not the end but the means of achieving one’s goal in life!  Ok, you make a mistake but killing oneself is not the solution, one can repent and correct the error! In case of beach cleaning, I simply do not have answers! What to bad elements achieve by threatening the volunteers?  Government apathy? Tell me something new!  Hawkers probably are learning from Mallya’s and Subroto Roy’s of this world, how to make money by cheating?”

With this statement Pramod broke the golden rule of silence that Genie had locked him in.  At that instant Genie slipped out of Pramod’s grasp, Genie’s speed became equivalent of 2 G and system hung!  Genie could not help but make a passing remark before escaping. ” Pramod, there is not much space here, otherwise I could have given you hundreds of such examples from oldest “civilization” on the earth!”


And The winner is….

Crystal gazing of EV scenario in India!


Pramod somehow managed to make Internet Genie run at the high speed that was expected of him. Genie as usual started narrating a story. He started with a question, “I want your frank opinion about Indian Electric Vehicle scenario, your favourite subject.” Pramod knew that if he uttered a word, Genie would slip out of his control and system will hang! So Pramod did not give any reply to the question asked.

As usual Genie kept on talking. Pramod,  only a few months back, there was not much clarity about EV’s in India, but you had once said that Indian EV scenario depended mostly upon the international companies who have a large market share in car segment in India. Their current share must be around 75%. Mahindra had their foray in EV since some years back but have hardly got much traction. But suddenly the scenario has changed. It appears that many people have been working on EV’s, secretly. Last month Tata Motors grabbed an order of 10000 EV’s from a Government department for supply within one year. Pramod, this was a surprise for all! There is a story in today’s papers that Tata has invested US$ 900 million in Tesla Competitor, “Faraday Future.” This could be the secret of Tata getting ready for mass production, with “Tiago Electric?”! This indicates that both Indian companies Mahindra and Tata are well ahead of the pack for the Indian operations as their EV’s have reached production level.

What will be the situation in 2022, Pramod, five years from now? I know that Suzuki and Toyota have come together in India. Suzuki will produce EV’s for themselves as well as for Toyota, in India. Technology for EV will be provided by Toyota. These two have already joined hands with Denso, a Toyota group company, for manufacturing batteries, in Gujarat. So, this group will be the first to have their own batteries in Indian market! This will give them cost advantage. They are talking of their EV being available in India from 2020.

Honda is talking of EV in India by 2019! Hyundai has not said much but I am sure they will be around the corner! Nissan Renault is quite ahead in the global market for EV’s; if they decide to come to India, they have the wherewithal. But main India strategy has to be pricing as usual, quality must be good anyway! That is where Suzuki and Hyundai will have advantage over others as they are successfully doing this for so many years. But Pramod, don’t forget that Tata has reached mass production level already in 2017! So, they will have advantage over others!

Pramod there is breaking news below! 



Pramod, I saw just now in Economic Times that PM Modi will inaugurate a fleet of 400 EV Nanos for OLA, in Delhi on 28th November! Looks like Tata Motors have hired Usain Bolt to learn how to make a clean start against all competitors!

There is not much clarity in heavy vehicles and buses. Goldstone Infratech from Hyderabad appears to have reached mass production stage as they have orders from Himachal Pradesh transport for 25 buses, the buses have already started plying; they also have orders from BEST, Mumbai for ten buses. In Mumbai, buses will run 220 km per charge and in Himachal hilly area the buses will run 110 km per charge. It is too early to predict more  as none of the others have said anything.


Pramod, what about infrastructure for charging? Well, Suzuki-Toyota combine have said that they will invest heavily in this area too. Government of India is also going to invest heavily in infrastructure. Oil companies, Indian Oil/BPCL et al have said that they will jointly put up the battery plants and invest heavily in charging infrastructure! They already have petrol pumps all over India along the roads! Things look reasonably good in infra area ! Now Pramod, I want you to stand on the stage and call the winner by saying, “And the winner is…”

Pramod, I want your reply on this as I know that you have strong views!! Pramod just could not keep quiet. He said, “Under Indian conditions, Tata Motors turned about to be the dark horse! Mahindra has been around for some time. But Suzuki Toyota could be the force the to recon with!  “

With this statement Pramod broke the golden rule of silence that Genie had locked him in.  At that instant Genie slipped out of Pramod’s grasp, Genie’s speed became equivalent of 2 G and system hung!  Genie could not help but make a passing remark before escaping. ” Pramod, don’t forget Hyundai!”



Digital Numero Uno!

India the Numero Uno of day to day transactions!


Pramod somehow caught hold of Genie, managed to make Genie run at the high speed that was expected of him. Genie as usual started narrating a story. He started with a question, “Pramod, you always claim that you know a few things in digital world. Tell me who is going to be the Numero Uno (the best or most important country) in day to day digital transactions? US of A, China (中国), Japan (日本) or Good old India?” Pramod knew that if he uttered a word, Genie would slip out of his control and system will hang! So Pramod did not give any reply to the question asked.

As usual, Genie kept on talking. Genie said, Pramod now that we have had a decade and half of digital revolution (a la Industrial Revolution) who do you think will be the leader by 2030 in day to day transactions! Even as early as in next five/ six years the clear winner maybe seen; do you want to say something about it, Pramod? Genie was hoping to trap Pramod into talking but Pramod just smiled. Genie as usual kept on blabbering.

Pramod, I feel it is going to be India! Come on, don’t believe in me. Let me share some information with you. Last year along with demonetization, Indian Government started digitalization drive. This gave impetus to digital way of doing transactions and payments. Even some small time vegetable vendors, fruit merchants started accepting money in new format. You obviously don’t go to market with your laptop, so the obvious solution was using cell phones. Suddenly, many apps started coming into picture. I am giving you information based data available today.

There are two methods of transferring money from A to B. Bank to bank transfer (the best method for this is created by Government is known as UPI, (Unified Payment Interface) and Wallets by private parties and banks. Basic difference is that in UPI your money remains with you in your bank account till you transfer it. Whereas in Wallets, you have to transfer the money in Wallets from you bank account for further use.

Let me start with UPI; Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform.

“UPI is built over Immediate Payment Service (IMPS) for transferring funds. Being a digital payment system, it is available 24*7 and across public holidays. It uses Virtual Payment Address (a unique ID provided by the bank), Account Number with IFS Code, Mobile Number with MMID (Mobile Money Identifier), Aadhaar Number, or a one-time use Virtual ID. An MPIN (Mobile banking Personal Identification number) is required to confirm each payment.”

Pramod, many banks are now using UPI but again the Government is also equally serious and has come up with an App called BHIM. BHIM (Bharat Interface for Money) is a mobile app developed by National Payments Corporation of India (NPCI), based on the Unified Payment Interface (UPI). The app supports all Indian banks which use that platform.

All banks have their own apps but Pramod you will realize that it is a seriously big business and Google has jumped into fray  with an App called TEZ (fast and furious!) based on UPI. It cannot get any more serious than Google making app only for India.

Pramod, Wallet is another option which transfers money in two ways. One is Wallet to Wallet and second is Wallet to bank. Wallet to Wallet transactions have the limitation that both parties should have same Wallet. Wallet to bank is a normal transaction. But how does money come in the Wallet in the first place? It come through credit cards and through Bank transfers! Wallets have started using UPI too! Wallets are apps by private companies like PayTm which is currently the most famous amongst the wallets.

Pramod, which one will you prefer? Many banks have their own apps. BHIM UPI has ease of use as your account can be from any bank, your UPI id can be 1234567890@upi where digits are your cell number! Easy, isn’t it? Current authentications are MPIN number, but this authentication can be easily replaced by biometric authentication? Aadhar anyone? Of course!  In Wallets I will currently prefer PayTm. It is backed by Alibaba in a big way, so theoretically should be around for a long time. It has facility for UPI too! Another interesting feature they have started is Chat! While chatting with someone you can get or transfer some money from the Partner. Another reason it is my favourite is that Uber account is linked to it and for extensive user like me, money gets automatically debited to PayTm!

Pramod, don’t you think that entry of Jio in cell phone service providers is a game changer? Their low-cost cell phones are offering most facilities provided by expensive cell phones; this  will also play a major role in proliferation of digital transactions. Credit cards are looked at by many as elite tool; so for users who do not spend large amount in month, credit period offered by card companies is of no use. So, cell phone is going to be Swiss Army Knife for us. Capable of doing everything and anything. Making calls, taking photos, chatting, video calls, financial transactions, sharing photos, chats, GPS the list is unending! Pramod, do you think that after say about ten years credit & debit cards will be relevant? Debit/Credit  card needs investment from vendors but UPI and Wallets don’t need to have swiping machines!



Pramod, I want your reply on this as I know you have strong views! Pramod tried his best not to talk but Genie hustled him again with the same question! Pramod just could not keep quiet. He said, “Genie, with one billion cell phones and one billion biometrics data in the from Aadhar (which is the best authentication method), it is no brainer to say that India will be Numero Uno in day to day digital transactions over next ten yeas”

With this statement Pramod broke the golden rule of silence that Genie had locked him in.  At that instant Genie slipped out of Pramod’s grasp, Genie’s speed became equivalent of 2 G and system hung!  Genie could not help but make a passing remark before escaping. “Pramod my gut feeling tells me that it will be five years and not TEN!”


Your Final Ledger with HIM!  

HE closes the final Ledger!

A couple of days back, on one of our WhatsApp groups, a friend sent a forward about death of a person who was described as industrialist, businessman, philanthropist and everything possible. Paeans of praise were being heaped upon the person. I knew about this person. I wanted to understand my friend’s views about this person hence I wrote, saying “I would like to know the business that person was in!” My friend did not reply for a couple of days. When I reminded him, he was angry and said a few things about me, in parliamentary correct language. In huff he left the group. Poor me! I was inconsolable! 

The departed soul had started his life with a small business in tobacco and beedies, his family business. Later on, he graduated in to creating new tobacco based product, to which people got addicted very swiftly. This product after many years was banned by the Government. He has a huge factory near Pune but there was not a single board indicating what they manufactured! Why was this so, I never understood. One should be proud the product that you are making or marketing! If you are not then… 

With this background you will realize why my friend was angry and upset! 

Another friend Mukund shared with me a couple of stories. His uncle was Jail in-charge. In childhood, Mukund would visit his uncle during school holidays. Uncle had servants working for him. His uncle said that servants were all convicts who were in jail for long term. His uncle found it convenient as he could use them for longer period. Practical solution! They were normal people who in fit of anger had done an act of killing or seriously injuring someone. In due course they were sentenced; most of them were remorseful and repenting of what they had done. But unfortunately, in HIS ledger the debit entry against their name was ahead of all credits.  

Mukund shared another story of a Don! This Don was in Robinhood mold and would help needy. But his main reason for being in jail was kidnapping, murder and so on. Now the question arose, is Robinhood act above what he has done?  

There are deeds which people do where they break the law; some acts are done which don’t break the law but are as bad or worse than the acts in which laws are broken. How should these people be judged? What we discussed about the industrialist is definitely a big deal and have to be dealt morally. If one’s products are known to cause cancer, that organization and person will not be condoned by HIM! Their ledger with HIM will be in negative, always, whatever good deeds are done by such people, with money earned from immoral activity. What good is a hospital built with such money?  

Another issue, that comes to mind is about people, like my friend, who are praising industrialist’s good deeds, and get angry when asked about his real deeds! What was the reason for my friend to get angry? Does it mean that people like my friend agree to the deeds of such people? Why do newspapers write only about the good deeds and not about the main deeds? Is it to make sure that their advertisement revenue stream does not get affected? Those whose streams were not affected, reported in details about the products manufactured by the industrialist and actions taken by Government, recently. Why give only selective information about the departed soul? Why hide the fact that he was heading the organization which manufactured controversial products?  What is the job of the press? To hide unpalatable and unsuitable stuff?  

To conclude, I will say that whatever we do in this world, we should try to do our best not to break laws of the land. System will handle you if you cross the line. Similarly, one should not break HIS laws, which in earth’s language, are called moral laws. In this case, HE will take handle you! HE has our ledger with him, is it not? Once you start breaking the moral laws, these laws cross path at some stage with the law of the land! So, you will be punished either on earth or in final resting place!