I read a news item in newspaper that India has jumped 30 places in “Ease of Doing Business” ranking, given by world bank. (Later our PM also said that general living has become easier in India.) These experts have used pre-defined methodology; the same methodology is used all over the world. This indicates India’s ranking is compared with world’s other nations.
This made me think of us common people. Has our life changed? Has “Ease of doing things” changed for us on day to day basis? I am not talking of general infrastructure and holiday destinations and that kind of things. It is day to day mundane things that we are required to do. It is like shopping, making bill payments, availability of services, standing in queues. It is also about travelling from place A to place B which is part of our daily things that we do.
I am talking about city dwellers who have access to wi fi, and internet on cell phone. This infrastructure has improved a lot during last five years. Proliferation of cell phones is really deep. This has made life easy for the people, who have adapted to the use of this technology, irrespective of their location. Payment procedure of regular monthly bills like cell phone, electricity, insurance policy premium has become extremely simple. These are done by card, net banking or even simpler “standing instructions”. New system of wallets is also spreading quite fast. But how many of us have really started taking advantage of this change? I still see many people going physically, to pay these bills, standing in queue! Reason no belief in the system! Systems are available and they are making things easier. More people should be encouraged to use such systems.
Daily transportation is one of the biggest hassles in daily life! In this aspect, things are definitely improving. Main difference is due introduction of Metros in a big way, in many large cities. Metros definitely ensure that people travel from place A to place B in world class comfort and in shortest possible time. Just to give an example in city of Pune, going from Pimpri to Mandi area in peak hours takes about 75 to ninety minutes. After Metro is introduced, this will be reduced to 30 minutes! This one world class solution does overcome daily hassles, reduces traffic on road. Metro is operational in Kolkata for a long time, Delhi was the second city and now in coming three to five years 10 to 15 cities will have Metro. Another advantage of Metro is world class system has changed the mindset of people in public, they are quite disciplined while using the Metros. Of course, they go back to original ways, once they are out of Metro concourse! But I am sure slowly this conduct will improve outside Metro system too!
Abundance of various items, has definitely improved. Vegetables, fruits, groceries, milk, grain, medicines, and what have you, it is available in abundance! Days of shortage have simply gone. Availability of services of technicians like electricians, plumbers are easily found through yellow pages!
During 90’s when people’s aspirations started increasing, getting admissions to schools, colleges and professional courses became very tough. But since last few years seats in many courses and school/colleges remain vacant. This indicates that supply has become much more than demand.
In Banking system, there is marked difference due to technology. Processing of documents has become easier and many types of personal loans are available quite quickly provided all documents are ready. In fact, some banks offer pre -sanctioned loans to some elite customers. ATM’s have made access to cash simple.
Since India is huge democracy many things take time to happen. But they happen. Income levels have gone up and easiest indication of this is the sale of two wheelers in India. India has become the largest manufacturer of two wheelers in the world! Ok this creates its own problems. But expressways are coming up all over and authorities are trying to improve infrastructure to the best of their abilities.
I will share with you a very efficient system created by Pune Municipal Corporation. This is about their yearly property bill. They send the property bill details by SMS or text message. On clicking the link in the message, I was taken directly to their site with all required details filled in! They only showed a button “Pay”; when clicked it asked the normal payment options and I paid the tax. Time taken 1 minute. Very similar system is created by vehicle insurance companies; insurance renewal time required is similar. Flipkart, Amazon and all such companies have made doing daily purchases very simple. Don’t forget ease of buying Bus tickets, Air and Train tickets.
Why people do not use the systems is due to apprehensions, lack of knowledge and simply because they have techno phobia. I know of an eighty-year-old lady who decided that she wanted to use all the modern payment systems and she has done the switch in about one month!
Most important change for business community is the GST! This one change has made things very simple. There were many taxes before GST and doing business was a nightmare to which we were used to! But talking to many factory owners, people from trading community, they find things much simpler than before!
Of course, there are minuses! Main issue is confrontational politics, there are naysayers like “development experts” whom I call zolawallas! There are people who are really upset because of Government drive against parallel economy! According to me there is an improvement of 60 points and not 30 points in our day to day lives.