Between Us 39 by Hindustan Times

contents

January 2017 volume no. 39

cover story 04

Hindustan times – leadership summit A Capsule view at the most coveted event by HT Media

star awards 2016 12 The event that recognizes best of the best in the HT Media group

tourism-asan Bairaj

cinema Jagat

Guests at Hindustan Health & awards Food Junction

features

stars in the city 32 Stars interact with HT employees

cooking time

Hindustan shikhar samagam 22 A glimpse into the equally magnanimous event at Hindustan

Ht media Group – the Journey continues… 26 Journey of HT's transition continued from volume 38

tech World

46 49 52

Heritage-sonepur mela 55 travel time – Discover Bihar in a car 36 Places around Patna city that can be explored by road Personal Finance – How do Banks miss sell 38 An insight on how there is dire need for mass push for financial products in the market Health & Fitness – staying Fit is life changing 40

team behind

The Mantra of Staying fit – Sit less and move more Photo art – From the eye of a lense 42 Various events and incidents captured by the Photo team at HT

regular cartoon 56 Impact of New currency on Lifestyle, Habits and Mannerism of masses

Design @Peali Dezine; Leadership Summit: HT Editorial Team; Hindi Editorial: Sudhanshu Srivastava, Rakesh Taneja, Ashok Kushwaha & Team; Mint: Mint Money Team and BoL Team; SITC: HT City Team; Cartoon: Jayanto Bannerjee; Art Gallery: courtesy Photo Section HT Editorial; HR: Ashima Deepak Kaul; Pre Production: Sudhir Wadhwa & Team; Production: Noida Press

CEO’s MEssagE

We Shall Overcome

Operational changes, sense of urgency, focused approach, balanced optimism and, above all, working collectively and collaboratively is imperative to succeed

hese are turbulent business times that call for immediate radical changes as market conditions grow more challenging. Demonetization has further depressed an already volatile, vulnerable and declining market and the future is uncertain. We must prepare for the worst while hoping for the best. We need to dramatically change the way we operate individually and as a team, by closely examining our business structure, consolidating, and cutting costs. To override these trying times, we must display a clear bias for action, adopt a ‘can-do’ attitude, remove impediments and increase accountability. Our business requires us all to work with a sense of urgency. Procrastination will cost us dearly. Each collective minute of time saved will add to hours, days and weeks, positively impacting our productivity and ensuring that we are faster, higher and better than competition. Our ability to act and operate faster is highly dependent on each other. Collaboration, therefore, is key. While we already have a culture of collaboration, we must raise the bar and actively collaborate to support each other, reducing friction which decreases speed and costs time and money. Provide information when asked, offer ideas and support. No individual or department can win this battle alone. Our success decisively rests on our ability to work collectively and collaboratively toward our common goal to emerge victorious. Doing things fast and collectively requires a keen focus and need to prioritize tasks. Critical priorities that will have a big impact on our business must be addressed imme-

Our success decisively rests on our ability to work collectively and collaboratively toward our common goal to emerge victorious

diately and sorted out. Conversely, given our need to focus, we also need to create a “stop doing’ list that comprises things that can be deferred for now. Potential non-alignment within and amongst departments lists only underscores the need to collaborate with each other. Align, confirm priorities and work together to get them done. Unresolved issued can be immediately scaled up to your function/business head. Underlying all this, is the importance of balanced optimism and belief in ourselves. We must leverage the strategy of “Instilling Optimism and self-confidence but staying grounded in reality.” Our conversations with each other and our teams must be upbeat, positive and energizing. While we must be cognizant of the challenges we face, we must do so with a sense of optimism that will help us weather this storm and emerge triumphant. Our recent star awards function that had difan unprecedented 156 nominations from dif ferent functions / businesses and locations, talepitomizes our ability to attract the best tal ent in the country, committed to taking our company to new heights. The winners, and all those who made the list, deserve our accolades. Keep up the good work and, if you weren’t part of the list, strive harder to ensure you make it there next year. Finally, as the year closes and a new one dawns, I wish you and your families’ happiness, prosperity and good health. These traits will also help us overcome these troubled times if deep in our hearts we have conviction and are deterdeter mined to work hard, faster and most important, collectively. 2017 January

leadership summit Finance Minister arun Jaitley in conversation with nDTV's Vikram Chandra

HT Leadership Summit A power-packed confluence of visionaries debating the change India needs

wenty-one great leaders, two days of discussion, and a glitzy dinner in between — the 14th edition of Hindustan Times Leadership Summit was a power shower like no other. The unmatched brilliance of the sessions, topped with a celebration of leaders from around the world, created a benchmark of sorts for global debate forums. The theme this year was ‘The Change India Needs’,, and visionaries laid out their blueprint for the future of the nation. Heads of state, business tycoons, Nobel laureates and top artists rubbed shoulders with each other, debating the way forward for our society as a whole. In the inaugural session on December 2, Finance Minister Arun Jaitley said his

January 2017

uP Chief Minister akhilesh yadav

government’s demonetisation exercise will benefit the country in the long run. “I don’t see the disruption lasting long, maybe for a quarter… If you look at the next 12 or 15 months, the impact will be beneficial. The volume of formal trade and business will grow in size.” However, Uttar Pradesh Chief Minister Akhilesh Yadav, in his session later in the day, wasn’t as optimistic about the government’s decision to junk 500 and 1,000 rupee notes. “Governments should work for people’s welfare by encouraging spending. But the BJP government has caused such difficulties to the common man. People are breaking down their “Gullak” (piggy banks) to meet daily needs… People will vent their anger in the upcoming elections,” he said. Another session saw Defence Minister Manohar Parrikar as a

Capt. Amrinder Singh sharing a light moment with Punjab CM Sukhbir Singh Badal

Defence Minister Manohar Parrikar making a point

speaker. On “surgical strikes” across the Line of Control, he opined: “The surgical strikes have introduced a degree of uncertainty... obviously, uncertainty itself creates decisionmaking bottlenecks. You will never know them… Earlier, one thing was sure that India won’t cross (the Line of Control). Now there is one thing that’s missing. In strategy and such kind of issues, you need to put uncertainty in their minds. That has been achieved.” Punjab Deputy Chief Minister Sukhbir Singh Badal and his political rival and Congress Leader, Capt Amarinder Singh also shared the stage at the high-profile event. Asked if there is a “secret alliance” between the two leaders, which was also suggested by Sukhbir Singh Badal touching Amarinder Singh’s feet when he walked in for the event, the Congress leader said: “...I don’t think it’s a fair question. Everybody has his own culture, we do have our own culture. I am elder to him and he pays his respect. And one takes it in that way not that he

is doing it as deputy chief minister.” In his reply, Sukhbir said, “I have always touched his feet. I always touch every elder’s feet. Even when he had put us behind bars and I met him, I touched his feet… So I’ve always done it actually that made me a leader too.” Responding, Amarinder said, “...Don’t forget when he was behind bars...I got a message that he only drinks Diet Coke. So, I sent him Diet Coke.” Later on, replying to another question about one good quality in Sukhbir, he said, “Unlike his father, he (Sukhbir Badal) does what he says.” To which Sukhbir responded, “This is the one quality which we share.” When it was SoftBank CEO and Chairman, Masayoshi Son’s turn to speak, he promised that his company will invest $10 billion (R68,220 crore) in India – in companies that are in the internet and renewable energy space, especially in solar power. “I am the man who keeps his words... In the next eight years I will surpass

Dr. Paul Krugman, professor of Economics at the Graduate Center, City University of New York

Masayoshi Son, Chairman and CEO, Softbank

leadership summit Sadhguru (Jaggi Vasudev) founder, ISHa Foundation addressing the audience

Delegates during Hindustan Times Leadership Summit

robert Vadra at the Summit

amitabh Bachchan with Karan Johar

January 2017

my word,” Son said. The company has already invested $2 billion in the last two years, some of which were made by Nikesh Arora, who Son has designated to become his successor. But after Arora’s sudden exit, Son returned as the Head of Strategy and Investment. Recently, he has raised $100 billion in partnership with Saudi Arabia

(which has committed $45 billion). SoftBank will give $25 billion to the fund. For the rest, Son has investors, lined up. “It is over-subscribed,” he said. Son is known to have the ability to crystal gaze into the future. He invested $20 million in Alibaba, which is China’s largest e-commerce company, and a large competitor to Amazon. He has a wish. He wants to be remembered as a ‘crazy guy who put a bet on the future.’ Moving away from politics, Day 1 also saw Spiritual Thinker Sadhguru, and Bollywood Megastar amitabh Bachchan as speakers. “We, as human beings, have acquired enormous capabilities in the past hundred years, we have changed the face of the planet… war, destruction, environmental degradation is all because of man’s ambition… This means that our very confidence, our conquests are slowly turning against us. If our enemies were to destroy us, it is understandable, but it is our

Amitabh Bachchan obliging a few fans during the Summit

David Cameron, Ex Prime Minister of the United Kingdom receiving a momento from Mrs Sobhna Bhartia

abilities and ambition that actually will,” said the 59-year-old mystic who is also a best-selling author. Big B, who was in conversation with celebrated Filmmaker Karan Johar, credited scriptwriters for his evolution as an actor and the films he has worked in the past few years. “The writers not just write but also visualise every aspect of the film. We (actors) finally just do what we are asked to do.” Naming Dilip Kumar, Waheeda Rehman and Marlon Brando as his role models when it came to acting, Bachchan said the role-models in his life were his parents. In the 45-minute conversation, laced with banter and self-deprecating humour, the 74-yearold asked in mock surprise when Johar asked who would be the next Amitabh Bachchan, “What’s wrong with me?” And when Johar asked what it felt to wake up every morning as “the Amitabh Bachchan” and what he carries with it, the amused superstar signed off in his quintessential humble self: “I carry only

my night suit with me… It’s just another name, a name my parents gave me.” Day 2 of inspiring sessions began with Former British Prime Minister David Cameron, who listed his future in a lighter vein, responding to a question on what’s next for the suave and articulate 50-year-old politician. “Umm, well, I am writing a book on my time in politics…” he said, and underscored interests where he would like to put his efforts in, such as promoting research on dementia and Alzheimer’s. Cameron was “in a bit of a shock” when he arrived in India for the annual HT conclave. The front pages of newspapers used to carry “something on C a m e r o n fighting for this or fighting for that” when he visited India as the British

David Cameron, Ex Prime Minister of the United Kingdom addressing the audience

leadership summit

Dr. alyssa ayres and Dr. Daniel Twining during their session at the Summit

Dr Deepak Chopra, Founder of Chopra Foundation

BCCI president anuraag Thakur during the Summit

Sachin Tendulkar at the Summit

January 2017

premier. But this time around, the paper in his hotel room didn’t have him. “There was a Cameron on the front page but that was my wife on the launch of her fashion label… I will be doing a lot more like taking the kids to school and cooking dinner and it’s time to pass on the baton to her,” he joked. In a wide-ranging conversation with Hindustan Times editor-in-chief Bobby Ghosh, he said the rise of populist and extremist political forces around the world could be countered by addressing the concerns of people who feel they have not benefited from globalisation. Cameron, who stepped down after Britons voted to exit the European Union in a referendum in June, called for the strengthening of the India-UK partnership he had overseen along with Prime Minister Narendra Modi. An essential element of this modern partnership was the “appalling threat” faced by Britain and India in “fighting and defeating terrorism, particularly Islamist extremist terrorism”, he said. Also in the list of our esteemed speakers were Former Cricketer Sachin Tendulkar, and

Dr Deepak Chopra. The latter called for embracing technology to move ahead and create a peaceful ecosystem, and also spoke on well-being. “If I send you an emoticon, I can control your dopamine levels. If I read a tweet by Mr Trump, it raises my blood pressure. Everything in the world is so connected,” said Dr Chopra, known the world over as the mind and body healer who counts Oprah Winfrey, Kanye West and Kim Kardashian as friends. He is trying to make medicines obsolete through technologies such as virtual reality. “VR rewires the neural network, it influences the gene network. We are pioneering this in a big way,” he added. Master Blaster Sachin emphasized on the growing need for a fitter India. “My mother always said if you’re fit, you’re living your life. We need to realise that along with Swachh Bharat comes Swastha Bharat. Swachh Bharat and Swastha Bharat go hand in hand.” Talking about the current “bunch of cricketers” of India, Sachin says, “To me this side will always be the best. We have the right balance to be No. 1 – right

Dr. Jeffrey Sachs and Dr. David Sedlak in a discussion

nitish Kumar, Chief Minister of Bihar making a point

Piyush Goyal, union Minister of State in discussion

number of spinners and batsmen. Also, they have an able man to guide them – Anil Kumble. And soon the world will also believe what we do, that we deserve to be the No. 1 side.” As for politics, Sachin said, “The most important thing for me as an MP is I’m now getting to do things that I didn’t get to do while I was a cricketer.” Other speakers included Dr. Alyssa Ayres, senior fellow for India, Pakistan and South Asia, Council On Foreign Relations, and Dr. Daniel Twining, director and senior fellow, Asia Program, the German Marshall fund of the United States deliberating on the topic, The New US President and South Asia. And also Dr. Jeffrey Sachs, university professor, Columbia University, and Dr. David Sedlak, Plato

Malozemoff professor, Department of Civil and Environmental Engineering, University of California, Berkeley, discussing ‘The global water crisis. What next?’. When Union minister of State (Independent charge) of Power, Coal, New & Renewable Energy and Mines, Piyush Goyal took to the stage, he confidently announced: “The government’s decision to scrap highvalue banknotes is going as per plan and will stamp out illegal incomes from the economy.” Saying that he doesn’t understand how some economists have said that demonetisation will hurt the economy, Goyal added: “The administration didn’t have enough time to prepare for some logistical issues to keep demonetisation a secret… Only people with illegitimate wealth will worry, for the first time the honest people are feeling there’s a premium on their honesty. The mindset had become ‘chalta hai’ but India loves disruptive change when it’s better for the country.” Another speaker, Andhra Pradesh Chief Minister N Chandrababu Naidu admitted that demonetisation had affected everybody, rich and poor, young and old. Naidu, who has been

n. Chandrababu naidu, Chief Minister of andhra Pradesh

named convenor of the CMs’ panel to study the effects of demonetisation, said digital literacy among all sections of society is the only solution. “We need to prepare people to go in for digital currency through device-to-device transfer of money, online transactions and usage of swipe machines. Of course, people still need liquid cash.” Clearly, demonetisation featured repeatedly at the Summit, with Bihar Chief Minister Nitish Kumar concluding the sessions saying that a nationwide prohibition was required to follow up on the move. Adding her touch of brilliance to all this was Liza Donnelly, a celebrated New Yorker cartoonist and writer, who live-sketched the speakers and sessions. Donnelly has been contributing to The New Yorker since 1979 and now also does live cartooning for the US news channel CBS, besides publishing in other media forums, and has since carved out a niche for herself: issues centred around gender. Thus, over-all, the Hindustan Times Leadership Summit once again not only symbolised the meeting of brilliant minds, but also rolled out the red carpet for next year’s edition. 2017 January

leadership summit The Chairperson HT Media - Mrs. Bhartia with David Cameroon and Congress VP rahul Gandhi

An Evening Packed with Power

f opinions clashed during the sessions, champagne flutes that clinked at the gala dinner that night more than made up for the charged discussions. The dinner was attended by top dignitaries, industrialists, politicians and bigwigs from the entertainment and fashion circuit, making the evening a dream for the shutterbugs. Shobhana Bhartia, Chairperson, HT Media Limited, played the perfect hostess, personally attending to all the guests. The dinner was graced

January 2017

by global luminaries and the likes of David Cameron, Members of Parliament Jyotiraditya Scindia, Rahul Gandhi, Ahmed Patel, Manoj Tiwari, National Security Advisor Ajit Doval, Attorney General of India Mukul Rohatgi, Admiral Sunil Lanba, Chief of Naval Staff, General Dalbir Singh, Chief of Army Staff, Former Chief Election Commissioner Navin Chawla, British High Commissioner to India, Sir Dominic Asquith, former Attorney General Soli Sorabjee, BCCI President Anurag Thakur, and Sadhguru. There were guests from other walks of life as well, such as filmmaker Karan Johar, cardiologist Dr Naresh Trehan, journalists Shekhar Gupta, Madhu Trehan, Sonia Singh and Barkha Dutt, industrialist Harsh Pati Singhania and civic activist Romi Chopra.

The Capital, apart from being a political hotspot is also known for its thriving cultural and creative scene, and representing that realm, was Fashion Design Council of India president Sunil Sethi, designers Kavita Bhartia, Rahul Mishra, Ritu Beri, Kathak dancer Shovana Narayan and Kuchipudi dance exponent Kaushalya Reddy. Apart from the beautiful ambience, the guests also indulged in the wide spread of gourmet delicacies and spirits, handpicked for the evening.

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1. Louise Khurshid, with Salman Khurshid, Member of Parliament rajkumar Dhoot & politician T Subbarami reddy 2. Sunil Sethi, President, FDCI with lawyer Manik Karanjawala 3. Minister of State rajyavardhan Singh rathore with General Dalbir Singh, Chief of army Staff 4. Former British Prime Minister David Cameron with Bobby Ghosh 5. Journalist Shekhar Gupta with Kapil Sibal 6. Designer ritu Kumar with Kathak dancer Shovana narayan 7. Sanjay & Shalini Passi 8. Politician Jitin Prasada with Jyotiraditya Scindia 9. Minister of State Piyush Goyal & nirmala Sitharaman with journalist Barkha Dutt 10. HT Media CEO rajiv Verma with Shyam Sunder Bhartia 11. BCCI president anuraag Thakur with Sadhguru (Jaggi Vasudev) 12. Dr Deepak Chopra with rajeev Shukla & ustad amjad ali Khan Inset far left: Member of Parliament Manoj Tiwari with Minister of State Jayant Sinha and Satish upadhyay Inset left: Philanthropist neelam Jolly & politician Deepender Hooda

4 6

2017 January

star awards

Star Awards 2016 Recognizing achievements across the organization for the year 2015-16

tar Awards at HT is an event employees wait for through the year. Besides recognizing the Best of the best in the organization, it’s an event that tries to bring to the platform successful people from various walks of life to motivate and inspire the employees; they touch various chords with the crowds at the event. This year, the eve of Dec 16th - when the event was held at the Epicentre, Gurgaon, witnessed Shabana Azmi performing the much acclaimed play – Broken Images. The play is about two sisters, one an intellectually brilliant paraplegic, the other a plodding writer – live under the same roof, dependent on each other, but inhabiting different emotional as well as linguistic worlds, English and Hindi. The arrangement is fraught, because as they respond to life together, and

January 2017

separately, they continually modify the image they have of each other and the world around. The twenty-first century is an era of electronic images. From every corner of our daily life images fling themselves at us, arguing, accusing, wheedling, until the very essence of our private existence seems threatened. But suppose the most deadly of these images were one's own shattered self? Shabana Azmi plays both the sisters on stage and their many images, as they morph into one another, in one of the most challenging roles of her career. The HT employees got to see the performance LIVE at the venue. The event was hosted by Gaurav Sharma – Fever Programming Team, Mumbai and Stutee Ghosh – RJ at Fever, Delhi. They were accompanied by Nitin Pawha – another RJ at Fever for a short while on stage mimicking Prime Minister Narendra Modi. The Pammiji avatar of Stutee left the audience in spills of laughter. Besides the 3 main category of awards – STAR, ISTAR & DSTAR (the new category introduced this year, and we will talk about it

Despite maiden year, the DStar category had more than 10 Digital project nominations later) there were 3 new category awards announced – The Big new Initiatives Award – the award recognized the new initiatives launched in the financial year 2015 – 16 viz: Project Shop-inshop, Project Emtech, Project Hindustan Shikhar Samagam, Hindustan Atulya Gram: a CSR initiative and Project Insights. The Award was bagged by 2 projects as a Tie – Emtech project by the Mint Team and Hindustan Shikhar Samagam – Team Hindustan. The Second new category was the Jury Special Recognition award which was given to the project ‘Bacardi Good Carzy Fun Show’ By Team Fever Bangalore.

The third new category was the Most Promising Project that went to Project Shop-in-shop. The Audience was addressed by the group CEO – Rajiv Verma, Executive Director – Operations & HR – Sharad Saxena and The Editor – Hindustan – Shashi Shekharji. This year there were an unprecedented 156 nominations coming in from across different functions/businesses and locations. It was quite a challenge to select the best of the best this year. Jury’s two rounds of selection almost qualified everybody, but then, only few made it to the top. We had the Nominations from across HT, Hindustan, Fever, Shine and functions like MM, Sales Circulation, Legal, Editorial, Marketing, Supply Chain, AFE, Finance & International Team. Of which 53 projects made it to the Jury Assessment round. Finally, the best of the 22 were showcased at the event. A new Category – the D Star category was introduced in the Main category of awards this year.

D Star awarDS In the wake of Digital revolution that the industry experienced, the organization announced DIGITAL FIRST as its motto in the year 2015-16. Introduction of a category to acknowledge all contribution towards making the organization achieve its Digital integration ambition was an obvious choice – and a D STAR CATEGORY of awards was introduced in 2016.

2017 January

star awards STAR GOLD Newsroom Project – as part of Project Butterfly: Teams – Projects, Supply Chain, IT Infra, Administration HT had a critical need to modernize existing newsroom towards it’s “digital first” strategy. There were several complexities to create a new newsroom facility in the existing area. Existing newsroom was operating 24X7 with a very poor infrastructure (civil/electrical/HVAC) and had box/silo layouts that required being fully demolished to give in for new integrated newsroom workflows, absolutely critical for inter-title collaboration and digital first approach. Further while HT clearly laid out a vision for integrated newsroom, execution details were very sketchy and no local engineering expertise available in India to execute such integrated newsrooms. The local experience by Indian houses e.g. India

Today was very poor, with hundreds of crores spent with no real result, massive rework and several year delays in project. Therefore task was clearly cut-out for facility project team to “engineer and execute” this challenge with a shoe string budget and in a very tight time frame since existing newsroom had to be relocated during period of construction of new newsroom in current area. As editorial work processes were also simultaneously evolving for new EIDOS, facility

team required a very close collaboration with editorial teams to adept new newsroom layouts, workstations and facilities in new newsrooms. There were various people sensitivities to be managed as new newsroom involved temporary relocation, redefining office work spaces and hence, the project needed a rare full demonstration of HT values e.g. courage, responsibility, empowerment, people centricity and continuous self- renewal to enable construction of new newsroom facility “First of it’s kind in India” in less than Rs 15 crores and 11 months’ time. The team explored the various functional newsroom available, inputs from global newsrooms, interacted with the leading architects from India and globe and hired the best of the professional available for the Newsroom to capture the designing and functional aspects and engineering behind a digital newsroom design as you see it today…

ISTAR GOLD Hindustan Mission Olympiad – Team: Hindustan Central, Easter & Western uP, Chhatisgarh, Jharkhand The teams of Central, Eastern & Western UP and Chhatisgarh, is responsible right from ideation to successful execution for the entire Hindustan Olympiad 2015 project. 2015 was the first time that we had ventured into such a massive operational property in the education business. New property brought newer challenges. One of the biggest challenges was aligning various external/internal associates like - Affiliated schools, participating students, guests, operations – sales – events – editorial teams etc. The activity had been broken up into 3 phases for each region which involved various sub-steps

DSTAR GOLD India Education Marketplace – Team: HT Digital When we wanted to diversify from candidate monetization, we felt creating an online education

leading to each other. Our biggest advantage was strict adherence to the defined timelines as any delays would've spilled the activity to collide with other steps involved. The team had to work leaps and bounds to oversee the project while managing the regular side of business in their respective regions. Thanks to

Successful execution of this Media Marketing Initiative, we had staggering on-ground results and received an overwhelming response from participating students and institutions. Over 2 Lac students attempted the Hindustan Olympiad 2015 examination in UP, UK, Bihar & Jharkhand.

marketplace was the way to go. At that time, noone believed in this model or thought that such a model can exist. We were also hit when Udemy, the worlds largest MOOC tied up with

Naukri. This in fact gave us even more resolve, to proove to the internal team and Naukri that we can make a legacy out of this. One goal, was to think like entrepreneurs. All of us learnt the industry, consumers and the way we dealt with Partners (not vendors as Naukri describes them) and have built the product at an ever evolving speed aimed at understanding the consumers. The sales relentless effort of mastering what a six sigma or PMP means or other 30 such courses by guys from simple UG backgrounds, and convincing customers to buy them is nothing short of a miracle, suitably aided by product and tech interventions which made their lives easier. 2017 January

star awards STAR SILVER Sena Land Scam Expose – Team: Hindustan Delhi & ranchi Some people along with administrative authorities illegitimately sold hundreds of acres of cantonment land in Gr Noida, Gurgaon &Jharkhand. Cost of this land ran in thousands of crores. Hindustan in its role as a responsible media house felt obligated to expose this practice and initiate action. This crusade from Hindustan continues for 4 years. First expose on Gurgaon published on 7th June 2013. Regular follow

ISTAR SILVER Mint Mediclaim rating – Deepti Bhaskaran – Mint Editorial Mint Mediclaim Rating (MMR) is an innovative handy tool for our readers who are in the market to buy a health insurance policy. MMR rates health insurance policies on the basis of various parameters that are important for a customer to consider when buying a health insurance policy. Health insurance is a financial product that's laced with technicalities and jargon, making it difficult for a lay person to compare and pick the most suited health insurance plan. Given the gap in information, price is mostly the parameter that influences purchase

January 2017

ups with the authorities led to cancelling these deals and commissioning of enquiries. As a result of the entire effort put by the Hindustan team, cases of 2900 plots having

been wrongly allotted have been brought forth due to internal enquires, 575 FIR’s in Gurgaon/Gr. Noida and 125 in Ranchi have been registered, the entire allotment policy is being relooked at.

decisions. This half-baked approach comes to haunt the diligentlypremium-paying policyholder at the time of making a claim. It’s with the intention to arm our readers with more information about health insurance that MMR was created with the help of Secure Now Insurance Brokers Pvt Ltd.

Together with Secure Now Deepti identified key features of a health insurance policy. These features were then prioritised by giving them appropriate weightages. Secure Now dug information on each product and it was Deepti’s job to talk to each insurer to verify the information. Mint Edit team have tried to nuance the ratings by asking for detailed information from insurers regarding claim settlement experience, but insurers have not been forthcoming with the information. Given this the team has to rely on publicly available information, but even this goes to the insurers for verification to minimise any scope of error. The information from each policy is then plotted against

the grid and the cumulative weightage is calculated by Secure Now. Through MMR and the columns Mint Money has constantly been asking for sharper data for the health insurance industry. Finally the Insurance Regulatory and Development Authority of India, IRDAI, in its draft guidelines on health insurance addressed this issue. In its draft guidelines issued on 19th January 2016, IRDAI has asked the insurers to report product specific claims data and has also removed the category of closed claims. This,

DTAR SILVER E2i Digital Tech Transformation – Team: IT Our business model is at the inflection point where advertisers and audience are rapidly shifting from traditional newspaper media to digital channels. It is precisely on account of such digital disruptions, that tech at HT which has so far maintained its traditional “enterprise” models to quickly embrace the lightweight contemporary “internet”

as per MMR team, will help identify the serious insurers and also strengthen the credibility of our ratings. MMR has contributed constructively to policy making by the regulators. Further, this has also empowered the readers with more information on health insurance policies and has got some positive feedback. The readers engage with MMR and that is evident from the emails

that the team gets. The team is continuously trying to improvise on the ratings and hope to be the ultimate health insurance rating for customers.

technologies. Herein lies the genesis of the “e2i” (enterprise to internet) framework that was rapidly adopted by tech over last 18-24 months unleashing a well thought out approach for co-existence of these two distinct technology styles and lay foundation for digital platforms. Butterfly project created an opportunity for the team to accelerate this transformation on 'e2i' continuum, laying the future proof architecture for content,

enterprise and infrastructure to address current and future needs of HT businesses. The team focused on 3 core areas of tech transformation that were essential for the business – content, enterprise and infrastructure. It was important that technology was not architected in isolation and that “people & processes” too formed integral part of the transformational journey. Also, to ensure that blueprint was right and future proof, it was imperative that each of these areas was further categorised into distinct buckets (app + infra) which ensured that none of the critical foundation blocks were missed. For example, butterfly tech was segregated into 16 underlying tracks – 8 in app layer and 8 in infra layer. This ensured that while progress in certain tracks may have moved at rapid pace as per needs of business and project timelines, the team did not lose sight of other equally important tracks. 2017 January

star awards Bronze AwArds All the categories in the Bronze segment had TIE this year.

sTAr Bronze India’s Dark Secret – Unveiling the Female Genital Mutilation – Team: HT Editorial The special project on female genital mutilation addressed an important, unknown issue. The HT Editorial team led by Harinder Baweja, worked hard and went an extra mile to convince women whose genitals were mutilated by untrained mid-wives to reveal their identities. For the first time ever, brave Bohra women, who were cut and mutilated, spoke to HT on camera from different parts of the world. The team convinced them to do video interviews and facebook live sessions. The team even managed to convince prominent Bohra women to speak up against their clergy. The project helped give the important issue an impetus.

Launch of Radio NASHA – Team Fever – Programming, Installation, HR, Marketing Radio Nasha, the brand, was born on 21st March 2016 in Delhi and on 4th April 2016 in Mumbai with high levels of passion and absolute commitment pooled in by a team, for over a year, that relentlessly worked to develop a superlative and most differentiated brand and product, nothing less. The thinking on the brand and product started a year before the launch, when

JANUARy 2017

HT and Fever’s management started to evaluate to participate in the Phase III radio auctions by ministry of I&B. Post Phase III auctions, there was effort by the competition to stall the launch. A legal battle to launch ensued

followed by a communication tweaking. Eventually HT and Radio Nasha won and the brand was launched as India’s First Cool Retro station with the best of ’70s ’80s ’90s on 21st March 2016 in Delhi.

ISTAR BRONZE The Innovation category also witnessed a TIE in the Bronze segment yet again proving the emphasis the organization gives to new ideas and the platform it provides to its employees to go beyond the scope of their regular jobs and do something different or differently. Print Fashion Week and Days of Our Lives are examples again of out-of-box thinking in 2 different dimensions.

Days of our Lives – Team: Mint Editorial This is an example of Innovative Journalism. With the use of PODCASTS, the team has attempted to create a series of stories on documenting changing India through the stories of common Indians. This is the first time, the editorial space is experimenting oral history projects at such a large scale. The reporters working on the project, embraced the change to digital despite not being trained to do so. From likes to shares on Facebook and Twitter to e-mails, the series received an

overwhelming response. Many stories resonated quite well with the audience.

Print Fashion Week – Team: Brand Promotion, HT City, HT Editorial The idea behind the inception of Print Fashion Week came up in October 2014. Brand Promotions Team had been covering various fashion shows in HT City that used to witness not more than 100-150 audience and

amplification used to happen mainly through HT City and Delhi Times. Participation Fee in any of the Fashion Show is approximately 4 lacs to the designers, and hence the team decided to launch a print led Fashion Week. The plan was to create an impact through this property and to generate incremental revenue. The team capitalised on this opportunity to generate revenue of approx. 100 lacs – clearly a case of an idea taking shape through collaborative and team effort. Not only has this property garnered considerable revenue for the organisation, but has also established HT's leadership and penetration in the fashion industry. The team looks forward to taking out the season 2 of the property very soon.

2017 January

star awards

DSTAR BRONZE Despite the fact that Digital category has been launched only this, the category not only saw huge number of good nominations but the competition was so tough, the Jury decided to go for a tie in this category too.

Launch of Virtual Classroom – Team: HTLC Studymate model is largely based on F2F tuition for CBSE Class 8-12 students. In order to facilitate faster scale-up it was imperative that we explore use of digital medium to supplement the F2F learning and eventually looks at blended of coaching students. During 15-16, various virtual classroom platforms were evaluated and checked; eventually, we to use the WiZIQ

January 2017

virtual classroom platform. This was tested for use with Maths and Science subjects at the secondary grade for additional doubts across multiple centres as well covering backlog classes of individual students. In fact, the experience of this has opened up multiple possibilities that we expect to do for next year (2016-17) – Blended Biology course (with 80% live classroom) and Fully online tuition for Indian students in international markets This has now provided additional reach of teachers across 23 SM centres, reduced cost of operation (one teacher deployed instead of 3 to 4 teachers) and enhanced student satisfaction (getting doubts resolved more easily)

The team started evaluating different platform and hardware (like Adobe Connect, GoToMeeting, etc). The teachers then coordinated with the IT team to understand the ease of using supporting hardware (like headset, WACOM board, webcam, speakers/mic arrangement in classroom) and most importantly internet bandwidth requirement. A lot of initial glitches were quickly resolved by the team with a strong desire to make it work. The team worked round-theclock with the vendors to ensure that the user experience meets expectations. The F2F classes for doubts is the easiest to do for all teachers concerned – still the team understood the importance

of the need to succeed with this initiative. The team chose to stretch itself by simulating all possible scenarios – students at centre, students at home, different subjects as well as with differing methodologies. The impact of the virtual classroom has led to the following benefits:

1. Increased student satisfaction (one of the factors for increase of NPS from 12 to 27). 2. Reduced cost of operation (1 teacher delivers across 3 to 4 centres, earlier delivered by 3 to 4 teachers). 3. Increased accessibility of the same teacher across multiple centres.

4. Launch of new revenue streams – Blended Biology already launched with 60 students; online tuition for international markets – being planned.

Project Insights – Team: Insights Project Insight mobilized available internal customer data available across business units, developed data intelligence and executed targeted campaigns for response sensitive categories. Campaigns have helped in increasing response for troubled, missing clients. This has instilled confidence in sales system, helped in retaining and increase market share of clients. Within first year, the project delivered 200+ campaigns, 5.6 Cr incremental revenue with 80%+ satisfaction rate & continues to evolve based on changing MM needs. 2017 January

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HT Legacy Old Building Hindustan Times at N Block in New Delhi

Media Group

The Journey Continues...

We trace the struggles of G.D. Birla through the 19th century till the early 20th century in this issue, taking it from the last issue...

n Shimla The Hindustan Times was trailing last behind The Tribune, The Leader, and The Civil and Military Gazette. Even The Statesman from Calcutta was outselling it. All this despite its having a Dak edition especially for Punjab. Kohli found out that the newspaper sent by the Kalka Mail arrived in Kalka At 4.00 a.m. but had to wait to catch the train ti simla till 7.00. That train arrived in simla, as it does even today, in the late afternoon. The Hindustan Times therefore became an evening paper, like all the others. To give

JaNuary 2017

it an edge over its well-established rivals Kholi arranged a taxi service to take place as soon as they arrived in Kalka and rush them to Simla in three hours. This is too was expensive, but the effect on sales in Simla was electrifying, for the HT became Simla’s first “morninger”. As Kohli put it withprode, 70 years later,” even highofficials and Europeans, who preferred the AngloIndian newspaper, became regular subscribers of “The Hindustan Times”. And he could not resist adding with a touch of glee, ‘It took more than a year for the other papers to wake up to situation’.

This distinctly American style of news presentation remained a part of the HT's layout till well into the 1990s While Kholi was professionalizing the management of The Hindustan Times, Sahni was applying the lesion he had learned frm studying journalism in American newspaper in Indai followed the practice of The Times of London, and published advertising on the front page. American paper, by con-trast, had never done so. Sahni dispensed with the British practice ad put the news, with bold headlines on the front page, and continued it on the back page. Its philosophy became to put all the important news on the front page so that the reader could get the gist of what was happening in India and the world at a glace. The rest of the Indian press too took up this innovation in stages. The Amrita Bazar Patrika, another powerful nationalist paper published in Calcutta, adopted The Hindustan Timesâ&#x20AC;&#x2122; layout virtually from the start. The Times of India and The Statesman followed The Hindustan Times after a lag of many years. The last to make the change was The Hindu. This distinctly American style of news presentation remained a part of the HTs layout till well into the 1990s. By then British papers had long since switched to giving fewer, longer stories on the front page, of avoiding continuations on other pages, and of dividing the paper into sections according to the type of news being presented.

By contrast, till today the major American newspapers present all the most important news items on the front page and on the front page of each section of the paper, and carry them on to a designated continuation page. In The Hindustan Times, the continuation page chosen by Sahni and Kohli was the back page. They believed that it would be an important selling point for The Hindustan Times if the reader did not have to open the paper and refold it different way â&#x20AC;&#x201C; always an awkward process â&#x20AC;&#x201C;in order to read the continuation of a story. It remains the continuation page till the present day.

Sahni made another change to the style of the newspaper that was a harbinger of things to come. Since news was slow in coming in those days and the radio was already availae to the more affluent, newspaper tended to be read mainly for their editorials. Editorials therefore tended to be very long and usually occupied all the five columns of the page. Editors like Chintamani in The Leader and Kalinath Ray in the Tribune would often devote all the five columns of the page to a single subject. Sahni decided to make his editorial shorter and to the point. As his autobiography amply demonstrates, his style was vigorous, and frequently witty. The 2017 January

HT Legacy The changes KohliSahni were making to the paper cost a lot of money which they did not have

Top: Lino Makeupman & Foreman Left: Lala Lajpat rai

January 2017

editorial went down well, and another of the holy cows of Victorian journalism was painlessly slaughtered. Yet another innovation that owed a great deal to Sahni’s M.A. in journal journalism from Ann Arbor was the reduction of the column width without changing the presses Kholi could not change the size of the paper. But he and Sahni didi increase the number of columns from four to five. As professional lay layout artists were to point out in later year, reader prefer narrower aolumns because they reduce the amount of lateral movement the eyes have to make as they scan down a story. This reduces fatigue , and imperceptibly make the newspaper more reader – friendly. Sahni probably proposed the change because American news newspaper had narrower columns even then. Kohli had a more mundane rea reason for wanting to make the change. Narrower columns gave advertisers a wider range of options when deciding

the size of their advertisers. This made the HT a more attractive place in. Thus did the Sahni- Kohli duo stumble onto another of the great truths of newspaper publishing to the benefits of The Hindustan Times. When two new presses were acquired in 1930, the page size was increased from 26*40 inches to 30-40 inches and the number of column to six. According to Kohli’s memoir, in 1930 the paper had attained a circulation of almost 30,000 copies. There was only one fly in the ointment. The changes Kohli and Sahni were making to the paper – introducing Dak editions, adopting and aggressive pricing policy, using taxis to deliver a few hundred copies and finally purchasing new presses – all cost a lot of money. And money was something they did not have. When the Akalis sold the paper to Pandit Madan Mohan Malaviya and Lala Lajpat Rai, in 1925, it ready burdened with debt. There was no advertising worth the name. The circulation picked up initially at a snail;s space. And even later when it gathered momentum, the paucity of advertising meant that the more it grew, the greater ware the paper’s losses. Like many aspiring newspaper owners and publishers who began daily newspaper after independence, The Hindustan Times gradually found out that the initial cost of plant and machinery seldom amounted to more than a third , or even a quarter of the total fixed investment that would be needed before the paper broke even.

The remainder would be made up of the accumulated losses of the paper during its long incubation period. The money that Malaviya gave to Kohli to run paper, R20,000, did not therefore last long. Kohli ran the paper literally on patriotism, parsimony and a shoestring. He paid his compositors R15 to R30 a month. The editor and general manager of the paper received a princely salary of R400. The salary of the editor of the Statesman, by contrast, was R2,000. 2,000. But Kohli considered this sum to be scandalous. In his memoir he pointed out with a perverse pride that this was more than the combined salary bill of the entire journalist staff of the HT. Form 1925 till 1928 he personally refused to accept any salary. But then, as now, the materials, transport and administrative costs dwarfed the editorial cost of running a newspaper. Kohliâ&#x20AC;&#x2122;s parsimony and self-denial ultimately proved of no avail. Malaviya soon found himself at his witsâ&#x20AC;&#x2122; end in trying to raise more money. He therefore turned to the one industrialist who was already emerging as a staunch, if quit and unobtrusive champion of the freedom movement. This was a thirtythree year old Calcutta based industrialist called Ghanshyam Das Birla. G.D Birla was born in 1894 in a family of Maheshwari Vaisyas, whose struggle against the British began , in a real sense, fifty years before he was born. Like most of the Marwari

families that later rose to prominence in industry, his was a part of that extraorextraor dinarily complex and sophisticated netnet work of financiers, large and small, that had knit the whole of India into a single national market since Moghul times. So large were the resources at its command, and so efficient its communication and accounting system that the East India Company had used financier based un Benares to transfer fund from Calcutta to western India to Finance the Maratha wars. But while the East India Company was perfectly prepared to use the indigenous financial system, it was also busy building an alternative network to supplant it through interdictions and preferential allotments of charters. As a result, throughout the 19th century, the

Kohli ran the paper literally on patriotism, parsimony and shoestring Top: Linotype Machine and operator on work at Hindustan Times press New Delhi Right: Madan Mohan Malaviya

HT Legacy

A combination of courage and business acumen, seasoned with luck, made him a rich man in a few years

January 2017

families involved in the financing of domestic trade found themselves G.D. Birla and his Family steadily being marginLithograph of alized. Their business Marwari traders in Calcutta became more and more maintaining accounts precarious, their earnPacked chests of ing more uncertain. opium being carried for wagon More and more of them loading at a railway station therefore swallowed G.D. Birla their pride nad took salaried jobs as accountants and cashier in the various new companies, mostly European owned and manged, that were springing up in the cities. G,D. Birlaâ&#x20AC;&#x2122;s great grandfather, Shobharam, had become an accountant at a salary of R10 per month, but his son, Sheonarayan, was of a more adventurous disposition and decided to leave Ajmer and set up his own business in a dry and dusty village called Pilani. The business did not fiounder, but nir did it flourish. So at the age of twenty three, Sheonarayan made the deciClockwise: G.D. Birla as a young boy of twelve at Pilani

sion that changed the fortunes of the Birlaâ&#x20AC;&#x2122;s forever. He left the dwindling traditional sector the economy and launched himself onto the then inknow sea of export finance and commodity trading. After a camel ride of twenty one day to Khandwa he boarded a train to Bombay with whatever saving he could muster or borrow. In Bombay he went into partnership with a wellknown businessman who also hailed from Pilani and entered into commodity, bullion and other trading and future markets with gusto. All in all a combination of courage and business acumen, seasoned with luck, made him a rich man in a few year. In course of time his son, Baldeodas, joined him in Bombay. Following the Great Plague in Bombay in 1896, Baldeodas decided to shift to Calcutta, then the capital of the british empire, nad continue his incursion into modern trade and finance from there. The great export from Bengal then were opium, wheat,

linseed and silver. Baldeodas soon became a major player in all these areas. The hold that he and three other Gaddidars, collectively known as the ‘Bare Chaurasiyas’ developed on the opium export trade alarmed the British into monopolizing the entire supply to keep them out. Sheonarayan survived that crisis to emerge stronger than before but gradually shifted his focus to linseed and silver. Throughout his life GD, as he was increasingly referred to in his later year, considered himself to be a bit of a rebel. But it is not easy to see where that spirit of rebellion came

from. Had he been brought up in Calcutta one could have ascribed it to the stirring times that he had lived through in his formative years. The partition of Bengal, which ignited the often-violent freedom movement in the province, occurred when he was only eleven. Had he been in Calcutta he could scarcely have failed to be affected by its elen, for those were his most formative years. But apart from two not very comfortable years in Calcutta and then Bombay, GD had grown up in Pilani. Nevertheless, by the time he attained majority, he was quietly imbued with the fervour of the freedom movement. Contract with British when he started an independent brakeage house at the age of sixteen, in 1910, undoubtedly played a part. Like many others of the rising Indian middle class, GD resented played a part. Like many others of the rising Indian middle class, GD re resented the racial arrogance of the British and the small humili humiliations to which he and other like him were subjected every day of their lives. For instance, he was not allowed to use the lift when he went up to their of offices to meet them, and was not al allowed to sit on the benches in their ante anterooms. In 1913 GD, to use his own words, him “involved himself with the terrorists” and got into serious trouble. With a group of young men he had started an institute called

the Bara Bazar Yuvak Sangh in Calcutta. The purpose of the association was to impart military training to Marwari youths for self-defence on social subjects. In 1916-17 some Bengalis began visiting G.D. Birla’s Marwari club in Calcutta for physical exercises. One of them was Bipin Ganguli, who was adept at brandishing a lathi and was actually a terrorist. Although GD and his associates were certainly not terrorist, they sympathized with them and began indirectly to help them. At the time , one Ganguli’s associates was working for the Roda company, which dealt in shotguns, and hunting rifles. Two chests destined for the company were hijacked by Ganguli and his associates, one containing guns and the other containing cartridges. Ganguli distributed the guns among his associates but did not have enough time to distribute the cartridges before the police wind of where they had gone. Ganguli hard that they were on his track, and so he hastily hid the cartridges on GD’s room. As the police searched for the cartridges, they had to keep moving the chest from place to place. When the terrorists were at the end of their tether, one daring fellow from among them put the chest on his head as if he was coolie, carried it out and threw it into the Hooghly rivr. That was GD. In due course the police found out who had stolen the weapons and ammunication and how they had disposed of them. Many of GD’s associates were arrested and punished in diverse ways. A warrant was issued for his arrest too, but he was them in Ooty. — Prem Shankar Jha Former Editor, Hindustan Times He wrote this piece on the occasion of 75th foundation day of HT. This story is being reproduced here to make all HTians aware of the HT history. To be continued in upcoming issues of Betweenus

2017 January

StarS in the city

Rendezvous with the Stars Actors Vidya Balan, Ranveer Singh and cricketer Chris Gayle interacted with their fans at HT

ctors Katrina Kaif and Sidharth Malhotra – the lead pair of filmmaker Nitya Mehra’s film Baar Baar Dekho – visited the Hindustan Times office on 8 September to meet the winners of HT City Stars In The City contest. There were several “awwww” moments with fans screaming “I love you” to Sid and Kat, and the star cast shaking a leg to the popular track ‘Kala Chashma’ stole the show. While Sidharth spoke at length about his love for Delhi, Katrina created magic as she hummed the lyrics of yesteryear song ‘Baar Baar Dekho, Hazaar Baar Dekho’ with fans joining her. “I took the entire team to my place in South Delhi and they met my family. We loved the yummy snacks that we don’t get in Mumbai. There’s nothing like Punjabi food and hospitality, and now we have an amazing Punjabi track also with us,” said Sidharth. In conversation with Sonal Kalra, National Editor

January 2017

– Entertainment & Lifestyle, Hindustan Times, director Nitya Mehra who made her debut with Baar Baar Dekho shared what propelled her to choose a script based on time travel. “I thought this script to be very intriguing and new. It’s a love story and a high concept. I remember how Katrina got so emotionally moved after the narration while Sid was busy eating all the time,” said Nitya. Interacting with her fans, Katrina also spoke about what keeps her going and how she deals with the hardships. “You have to have a goal every day when you wake up. Have focus and an idea. My work drives me and I have the desire to give better and do better films. The universe makes everything happen for a reasonRemain positive and don’t become angry or bitter,” she said.

Champion dan danCe with Chris Gayle

Dancing to Punjabi songs, cracking jokes, flirting with female fans and giving witty one-liners: West Indies’ cricketer Christopher Henry Gayle was on a roll when he visited HT office for HT City Stars In The City. Known to be a party animal, Gayle seemed quite impressed with the

away Team India players’ party. “Sure, they are a bit shy. Maybe there are rules or something like that. But don’t be fooled into thinking they can’t party. Indian players love to party. Mandeep Singh taught me a lot of Punjabi moves. Sarfaraz Khan, too, knows a lot of moves, but he’s still young... lots to learn,” said Gayle, who loves it when Indian women want to party with him. “I love to see so many ladies come to matches. But more importantly, they even come to the parties and I love to party with them,” added the lefthanded batsman who was seen flirting with his female fans. The Jamaica-born cricketer was in the Capital to talk about his biography, Six Machine. Sharing anecdotes from the book, he said, “It has everything from what Gayle’s childhood was like to how he’s become one of the most destructive batsmen in world.” Gayle also spoke about how he was nervous when he first visited India in 1999. “When I got a call that I have to come to India to be part of the West Indies A team, I was so nervous. India was so far and it was my first trip there. So I made my first ever first class debut in Pune, India. Since then, India has become a home away from home,” he said

On being asked by a HT reader as to who he feels is the scariest bowler in international cricket, Gayle quipped, “Shoaib Akhtar all the way. Normally, I don’t get scared by any bowler. But Shoaib Akhtar was one bowler whom I was really scared of when I first started playing. I remember one of the matches, I let the ball go and Moin Khan (Pakistani wicket keeper) collected it in his gloves. The dew on the ball splashed everywhere, because he bowled it with such speed. At that moment I told myself, ‘Chris! You are not made for this. He is here to kill you!’”

Vidya Balan and her Kahaani continues…

Actors Vidya Balan and Arjun Rampal – lead pair of Kaahani 2, joined by filmmaker Sujoy Ghosh, came down to HT City office to talk about their film and meet the winners of HT City Stars In The City Contest. Excerpts from the conversation with National Editor, Sonal Kalra.

sonal: There were reports about a showdown between you and Sujoy, but you finally remained the final choice for the film. Tell us what happened. Vidya: Sujoy and I either get

Indian players love to party. Mandeep Singh taught me a lot of Punjabi moves – Chris Gayle, cricketer

StarS in the city

along famously or we don't. For a year or two, we didn't talk. I heard all sorts of rumours of Kahaani 2 being made and I would laugh thinking… banao aur bhugto (let them make the film and face the brunt). No one can handle his madness. Sujoy: Daane daane pe likha hai khaane wale ka naam… It eventually came back to her. One thing that’s absolutely clear is that Kahaani is Vidya’s brand. If there’s Kahaani 3, at least there will be Vidya Balan. Arjun (Rampal) and I will have to beg to get into it.

Sonal: Arjun, what’s with playing the cop? All the letters from girls we got kept saying you look best as the cop. If you were not an actor, was there a slight chance you could have donned the uniform? Arjun: No, I think women like men in uniform. It’s really nice to wear a uniform and especially, that of a cop and carry nice attitude and body language. Both my grandparents 34

January 2017

were in the army and they were decorated. They wanted me to join the force. I went all the way to Khadakwasla and saw the course, but I said these men were too disciplined. For me, there was no way I could make it. I quickly took a u-turn and joined an

industry that allows me to play any character.

Fan: Which role was your favourite: Silk Smitha (The Dirty Picture) or Vidya Bagchi (Kahaani)? Vidya: That’s very tough. Silk was very different from who I am in real life. I enjoy that. And Vidya is close to who I am, so I enjoy that too. I can’t choose between the two. Switch on the Be BeFikre mode with rAnVeer And VAAni

When Ranveer Singh is in the house, you can’t expect anything but madness. To promote their film Befikre, actors Ranveer Singh and Vaani Kapoor came down to HT City to meet the winners of Stars In The City Contest and the one hour that followed was nothing short of a roller coaster ride. From taking endless selfies with his fans and doing his signature dance steps to making everyone went bonkers with his witty one-liners, Ranveer Singh was at this crazy best. He was also showered with gifts from his fans that included a custom-made movie-themed cake, a

jar of Nutella, handmade cards with love messages and a lot of kisses. On being asked why he is always in a naughty mood, pat came the reply, “Naughty film ka promotion kar raha hoon na.” When asked if he has been a crazy madcap all his life, Ranveer laughed, “I was crazy, I became hot later. I used to be fat. Then I went to America for three months, and when I came back from the trip, I gained height, my weight reduced; I got attention from girls and it was all new to me at the age of 14. The thing of being fat for so long was that even though you are thin, you still are fat in your head. Girls used to give me so much attention that I never said no." In a candid chat with Sonal Kalra, National Editor Entertainment and Lifestyle, Ranveer also revealed that back then, he dated three girls at the same time. “All my girlfriends used to stay in the same area, so I could manage.” While Ranveer has had a great stint in Bollywood so far, there’s been lot over the years that he’s become carefree about. “When I started out, I used to get affected by criticism and people’s judgment. I slowly started to come to terms with it and realised that I just have to be myself. People will judge one way or the other – no matter what I say or what I wear, the way I behave, and the way I am. So gradually, I started losing the fear of judgment. And now I live carefree.” When asked to choose between Aditya Chopra and Sanjay Leela Bhansali, Ranveer said it’s just not possible. “Both Adi and Bhansali (sir) are very different and both of them

have their special place in my life. There’s a huge difference in the way they shoot their films. While Adi is very clinical and precise when he gets on the sets, Bhansali (sir) leaves it open, he does not know how he is going to do it; he figures it out as he goes along. I hope they keep making films and that I am the leading man in their films.” When an HT reader asked him how he manages to stay

Ranveer loves toilet humour. He can crack potty jokes all the time – Vaani Kapoor

energetic all the time, Ranveer quipped, “I try to find joy in everything I do. I get excited about every opportunity and I make the most of everything that comes my way. I go for everything thinking as if there is no tomorrow, so I give my best to it.” Another HT reader asked Vaani to share three things about Ranveer, and interestingly, she didn’t shy away and spilled the beans instantly. “He loves toilet humour. He can crack potty jokes all the time. (Also) There are times when he would just sit quiet, calm and composed and not get hyper. Lastly, he is a very sensitive person and maybe he comes up with toilet humour to deflect from this sensitive side,” shared Vaani. 2017 January

Travel Time

Dicover Bihar in a Car Explore the archeological and architectural grandeur of the state.

f historicity of a destination, its archaeological significance or its architectural grandeur excites the tourist in you then hereâ&#x20AC;&#x2122;s the good news. Presented here is an assortment of sites, each of which stands out for falling in one or another of the aforementioned categories. Tourism infrastructure is not great. But no worries there. Each one is do-able from Patna by car within a day. So, do read on... Vishwa shanti stuPa, P rajgir Pa, Vishwa Shanti Stupa (World Peace Pagoda) on the Ratnagiri hill at Rajgir in Nalanda is one of seven peace pagodas established by Nichidatsu Fujii (1885-1985), a Buddhist monk from Japan. Made of spotless white marble, it is the tallest peace Pagoda in the world, standing as it does on a 400 meters high hill and is reachable by a ropeway. It houses four statues of Lord Buddha on the four side-corners of the stupa, depicting the four phases of life of Lord Buddha. Its foundation stone was laid by President Dr. Radha Krishnan in 1965 and it was inaugurated by President Shri V. V Giri in 1969.

photo: shutterstock

110km 3.5hours

January 2017

Jalmandir, Pawapuri Jal mandir is a white marble temple in the middle of a pond blooming with lotuses at Pawapuri in Nalanda district of south central Bihar. It is believed to be the place where Lord Mahavira, the 24th and last Tirthankara, breathed his last in 500 BCE and was cremated. Legend has it that the concourse of the people who attended the funeral ceremony of Lord Mahavira, was so large that the mere act of their taking km a pinch of ashes created such a big hours hollow over the place that it.

100 3

hiueN TsaNg MeMoRial hall, kundalpur, Nalanda Stunning for its design, the Hieun Tsang Memorial Hall at Kundalpur in Nalanda, was built in the memory of famed Chinese traveller of the same name ( but also spelt as Xuanzang), who visited Nalanda in 7th century AD and stayed there for 12 long years for learning as well as teaching. Work on it was initiated in January 1957 with prime ministers Nehru and Zhou en-lai in the picture. China provided relics of km Hieun Tsang and an endowment for the hours hall, which was completed in 1984.

BaRaBaR caves, Jehanabad The Barabar Caves are the oldest surviving rock-cut caves in India, most of them dating back to the Mauryan empire (322– 185 BCE) and some having Ashokan inscriptions. They are located in Makhdumpur Block of Bihar’s Jehanabad district, about, 24 km north of south central district headquarters town of Gaya. These caves are situated in the twin hills of Barabar (four caves) and Nagarjuni (three caves). Each of the caves are wellkm polished and have articulate designs and hours inscriptions over its walls and ceilings.

65 2

— Rai Atul Krishna

90 3

Navlakha Palace Rajnagar, Madhubani Situated in the town of Rajnagar near Madhubani in north Bihar, the Navlakha Palace, is an architectural marvel. Built in the 17th century A.D. by Maharaja Rameshwar Singh of Darbhangha, the palace suffered extensive destruction during the 1934 earthquake in Bihar and was never renovated. Although it lies in ruins now, one can’t miss its architectural brilliance. The palace complex comprised of km gardens, pond hours and temples.

185 6

2017 January

personal finance

How Do Banks Mis-Sell

The private sector banks mostly sell life insurance, no matter what is asked for. We also found that foreign banks don’t let you in the door unless you have an account. The public sector bank and private banks’ behaviour fits in with the incentives for the staff

nybody who has walked into a bank branch in a metropolitan city would have been pushed towards a financial product that he or she didn’t want. Worse, they may have been forced, cheated into or otherwise pushed towards buying life insurance policies. I documented my own search for a Public Provident Fund account two years ago. A question asked very often is this: why don’t the regulators or government stop this coercion? The banking regulator, for a long time, took the view that mis-selling of third-party products was not their problem, but rested with the product regulators. The capital market regulator said that it could not tread on the Reserve Bank of India’s (RBI’s) toes. The insurance 38

January 2017

regulator put down these instances to the overactive imagination of some illiterate journalists. Where is the evidence, they asked. If people had such problems, surely it would show up in complaints data. It is just one or two cases that the media blows out of proportion, they said. So I decided to go get the evidence. Getting in on private conversations between a banker and his client is not possible,

There is still a long road ahead in getting the market ready for the mass push of financial products

so the next best route was to set up a mystery shopping exercise. This is an academically accepted method to find out ground realities. It is not a trap as the experiment is set up in a manner that is open to being questioned. Also, it is a double blind—the auditors who go out to fill a form have no idea what we actually want to document and the bank managers have no idea that this walk-in customer may not be real. I teamed up with an economist at the Indian Statistical Institute to set up the study and the research was funded by National Stock Exchange– IFMR Finance Foundation Financial Deepening and Household Finance Research Initiative. We set up a believable experiment. A person

photos: shutterstock

walks into a bank branch (we first audited 200 branches in Delhi across public, private and foreign banks) in March 2015, looking for a tax-saving product. Middle-class India rushes to buy financial products that save them tax under section 80C of the Incometax Act, 1961 towards the end of the financial year. There were four variations. The naive investor looked for any taxsaving product, the sophisticated one looked for an equity-linked saving scheme (ELSS) to save tax. The reasons for choosing an ELSS are in the paper. Auditors said that they wanted to invest either R25,000 or R1 lakh. The auditors documented the process of the sale after they left the bank and they carried the visiting card and the scribbles of the bank manager with them. The result is there in the paper titled Misled and Mis-sold: Financial misbehaviour in retail banks? where we found that public sector banks mostly sell fixed deposits, no matter who walks in or what they ask for. The private sector banks mostly sell life insurance, no matter what is asked for. We also found that foreign banks don’t let you in the door unless you have an account. The public sector bank and private banks’ behaviour fits in with the incentives for the staff. State-owned banks have internal targets based on deposit mobilization and private sector banks have variable pay linked to sale of high-commission-earning products. We then made the study deeper and asked for much more detail on the product being sold. In another

set of 200 branches in July 2015, the auditors asked for returns, costs, guarantees, lock-in and optimal holding period. This is where the results got interesting and depressing. We found that banks do not take time to find out details about customer situation, risk appetite and existing portfolio details. All these are basics, and are needed to tick the ‘suitable sale’ regulatory box. Voluntary disclosures during the sales process centered on returns and guarantees, and costs were never mentioned unless specifically asked for. We also found that when asked specific questions indicating

a sophisticated investor, banks talk a lot. They are happy to make a lots of disclosures. But here’s the thing. These are mostly wrong. For example, 99% of return disclosures in insurance were incorrect; 86% in mutual funds (MFs) were incorrect; and 100% of disclosures on costs on life insurance products were incorrect, 85% were wrong for MF cost disclosures. Whether this is by design or through own illiteracy is not clear. Whatever may be the reason, for an important sales channel to misrepresent basic product features essential to the sale, should ring regulatory alarm bells. This is no longer about overactive imagination of some illiterate journalists. There is still a long road ahead in getting the market ready for the mass push of financial products through the ambitious Jan Dhan Yojana. I can only hope that we do that before firms start pushing toxic unwanted products down the Jan Dhan accounts to people who simply cannot afford them. If mis-selling happens here, we are looking at a political volcano. — Monika Halan 2017 January

health & fitness

Staying Fit

is Life Changing The Mantra to Confidence, Success and Good Health: Sit less and move more to cut risks of heart disease and stroke

ey King Kong,” called out my school crush with a boyish grin. Okay, so he had a funny way of giving me attention. Pulling my leg all day at school or even pulling the chair from under just as I was about to park my voluptuous butt on it. But (pun intended) it was hardly flattering, he didn’t get it. However, this time he had gone too far. It was a blow for a slim and sporty girl hitherto to be addressed so. Being a Fauji kid, it was in my blood to be active and fit from the time I had come to my senses. A state level junior skating champion and a jack of almost every game, athletics and sport, I had not realised that adolescence would play havoc with my hormones and turn me into a plump fifteen year old teenager. And up until now, I had not even noticed the podginess piling up. But that did it. Thus, started my journey to fitness which would last a lifetime. I took to skipping and cycling, in addition to dancing in front of the mirror, pretending to be Madonna. I cut out fit-as-a-fiddle models from magazines and stuck them inside my cupboard as my everyday inspiration. Meanwhile, I had changed school due to academic considerations. I hit thousand skips a day, cycling to school and every every-

January 2017

where else in the cantonment. Within six months, I transformed, fitting into my dream body statistics. My crush from the previous school came visiting one evening with another former classmate. As I opened the door with a chirpy hello, the guys just stood there, their eyes popping out. Then they swallowed, and croaked a response, “Boy, you look gorgeous. You have lost so much weight!”

Music to my ears and feeling of absolute gratification. A fitness addict was born. At a time when gyms were unheard of in India, I stayed dedicatedly on the fitness track. With an exception, when the new sense of freedom ended in the numerous outings with friends. The ice cream sodas, endless coffees and shakes did get to my girth one more time. But pulled me right back on track. Hourlong walks or cycling 20 kilometres in the wee hours of the morning even before the sun rose, or moving to Jane Fonda videos, I was a lone ranger on my fitness routines. And I loved it. I was maniacal in my pursuit of fitness. I went for my early morning walks with a vengeance the very next day to my wedding, started walks four days after my first caesarean delivery, and joined the gym six months after the second. I juggled crazy deadlines at work as a media professional, the meetings and engagements, with my little babies, but working out had the definite slot. That hour and a half was sacrosanct and non-negotiable. A knee injury pushed me to get my gym trainer to help me work on my upper body for six months. I took to weight training. For the next 5 years I trained with a personal trainer pushing up my fitness levels. Co-

FIXES 7 FITNESS

Pick an activity you love and slot it daily or even weekly, say once, twice or thrice a week depending on the time you can spare.

Push up the calorie burn by being active whenever and wherever. Take the stairs, walk to meet a friend, walk to your shopping and take back a rickshaw. Walk walk and walk.

Google countless five-minute routines and office workouts on the net and schedule to work them at home or office.

Avoid foods widely acknowledged as unhealthy. Keep a cheat day in the week. Cut out the carbs at night.

Control your portions. Stop eating before you reach the point where you say, “I am too full”.

gymmers would stop and compliment the grilling training routines. The days I worked out without my trainer, co-gymmers and friends teamed up to work out with me. Ladies formed small groups behind me on the floor and the gym was my happy world. I moved out of the recession-hit job sector. Things had not been looking up for a while now, so I went to freelancing. I had been nursing a new dream meanwhile at the back of my mind. To become a fitness pro, an entrepreneur. Friends at the gym were convinced and propelled me towards that dream. I dreamed on and finally took the plunge. For the next three months I drove 25 kms and back, attending classes organised by Reebok that concluded with theory and practical exams. Now a certified Reebok fitness trainer and step instructor, I took on a ready list of clientele. The list went on increasing, and I became the busiest personal trainer in this part of the city. I consider myself

Being watchful of your diet and staying active would go a long way in getting the body you are proud of and fitness levels that others envy lucky for having got the opportunity to live both my dreams to the hilt. As a respected media professional. And now as a respected fitness pro. I am 46 years old but look half my age, so I am told. I feel no older. I owe everything I am today my fitness regime. Fitness really is a way of life. Shirking and cringing from it is not going to make it less important for you. You don’t have to go my way at all. Give a little of your time to it each day. And it’s only a matter of time that you will go from feeling ordinary to extraordinary. I give you my word.

Have small meals and eat something every two hours – whole fruit, a healthy snack, handful of peanuts or chanas, a bowl bowl of salad.

Start your day with a metabolism booster. Choose your AM drink, the one before that compulsive masala chai or filter coffee.

Photo art

From the Eye of a Lense Various moods captured by the Photo section of HT Editorial team

January 2017

1. Illuminated Jama Masjid a day before the eve of Eid in New Delhi 2. Artistes perform at an event organished by Yunnan Chinese Culture Promotion Society in Kolkata 3. Congress VP â&#x20AC;&#x201C; Rahul Gandhi with the families of victims belonging to Dalit families â&#x20AC;&#x201C; brutally assaulted by cow protectors 4. Less rainfall, rapid urbanization and construction activities in its vicinity is causing wetland to dry up. 5. An artist dressed as devil during the Bharat Parv as part of Independence Day celebrations in New Delhi 6. After the heavy rain long traffic jam at Delhi-Gurgaon expressway, in Gurgaon, India

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2017 January

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January 2017

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giggle gag

Sabse Bada Rupayaa How the new currency notes have changed the Lifestyle, habbits and Mannerisms of the Indian Masses. Jayanto takes some funny Notes while you are standing in a Queue. Happy New Notes Year 2017.