19 jan 2015 by Afternoon Despatch & Courier

Regd. No. MCS/035/2015-17 RNI Regn. No. 43675/1985 MUMBAI MONDAY, JANUARY 19, 2015 32 PAGES `3 Website: www.afternoondc.in

Aft er oo

Gold: `27,865 Silver: `39,570 US Dollar: `61.62 Temperature: 290C/210C Humidity: 33%

CLEAN SWEEP FOR ETHIOPIANS

Business&Investment Pg13-20 Azad Shrivastav | ADC

AB de Villiers scored the fastest ODI century against West Indies in Johannesburg.

FASTEST TO A TON!

31 - Balls in which AB de Villiers got to his hundred. The previous record was held by Corey Anderson who scored a 36-ball hundred against West Indies in Queenstown in 2014. 16 - Balls in which De Villiers got to his fifty, another world record. The previous record was held by Sanath Jayasuriya, who scored 50 of 17 balls against Pakistan in 1996. 16 - Number of sixes hit by De Villiers, equaling the world record with Rohit Sharma.

Marathoners run pass the Peddar Rd flyover during the Mumbai Marathon on Sunday.

Ethiopians rule the roost, Kenyans fall back... Indian eves impress with improved timings Glimpses from Mumbai Marathon Coach hits out at Sports Ministry

Kiran Bedi to be declared official Delhi CM candidate BJP has ‘world’s most beautiful face’, Bedi on Modi in retort to AAP PTI

EW DELHI: Days after joining BJP, Kiran Bedi on Sunday said that in Prime Minister Narendra Modi the party has with it the "world's most beautiful face" as she rebutted AAP's claim that she was brought in by the saffron outfit because it does not have a face of its own in Delhi. "BJP has got the world's most beautiful face with it, i.e. Narendra Modi and his leadership. After that we are just stars who are revolving around him," the former Team Anna member said as she shot down AAP's charge that she was inducted into BJP for being its face here for Delhi polls. "Delhi will get all its resources from the central government and it is the Centre which will give us energy," Bedi told PTI. AAP has attacked BJP over the induction of former IPS officer Bedi, saying that it has been done to shield Prime Minister Modi in the event of

BJP President Amit Shah being greeted by party leader Kiran Bedi as Delhi BJP president Satish Upadhyaya looks on, in New Delhi on Sunday. the party's defeat in the upcoming Assembly elections. Bedi, who will contest the Delhi Assembly polls on Feb-

ruary 7, will be declared official Delhi CM candiddate. She had on Saturday rejected Congress's charge that she

had used Anna Hazare to fulfil her political ambitions, saying that joining the anticorruption crusader was the "right thing to do" during the Lokpal agitation. Congress leader Ajay Maken has alleged that Bedi and AAP convener Arvind Kejriwal were "opportunists of the first order". Maken, who is the Congress's campaign chief for Delhi polls, had alleged that both Kejriwal and Bedi had furthered their political ambitions behind Hazare's back. Bedi, 65, entered the BJP fold in the presence of its chief Amit Shah and Union ministers Arun Jaitley and Harsh Vardhan at the party's headquarters here on January 15. Kejriwal and Bedi were part of Hazare's core team as he led a massive agitation to press for the passage of the Jan Lokpal Bill in Parliament. The two had parted ways in 2012 after Kejriwal's decision to float the Aam Aadmi Party.

Pg. 30 Pg. 30 Pg. 2 Pg.31

Afternoon Despatch & Courier

PHOTO FEATURE

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MUMBAI | MONDAY, JANUARY 19, 2015

Vishwanath Salian, Azad Shrivastav & Sushil Kadam | ADC

Glimpses from the Mumbai marathon

1&3) Participants adorned with messages on sexual harassment and Swacch Bharat, as well as freedom of life and expression. 2&8) Differently abled participants during the Dream Run at CST. 4) Many entrants wore costumes, adding colour to the event. 5) Actor Kalki Koechlin helps a wheelchair runner. 6) Bare-chested men promote menâ&#x20AC;&#x2122;s health during dream run. 7) Savio Martin came all the way from Dubai to run his maiden Mumbai marathon.

Afternoon Despatch & Courier

DIARY

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MUMBAI | MONDAY, JANUARY 19, 2015

Azad Shrivastav | ADC

Bystanders lift a toddler on the roof of the Sulabh Sauchalaya near Chhatrapati Shivaji Terminus in order to get a better view of the Mumbai Marathon which was held on Sunday morning in the city.

The untouchable millionaire HEARD of Hari Pippal, a member of the untouchable caste who captured the hearts of the public? He was born into a dalit family where he struggled through menial jobs before he overcame all adversities to become a self-made millionaire. Pippal’s success is all the more extraordinary because of the limitations imposed by the caste system. Folks who prescribed to this system also did not believe in social mobility of classes and it is for this reason that Pippal’s story stands out. Pippal’s early life is a testimony to the hardship suffered by members of this caste. For example, during the childhood years, he recalls sleeping on the street. And, as a teenager, he drove a rickshaw driver in order to feed his family. However, hard work and perseverance paid off for this enterprising businessman. Pippal now rubs shoulders with high-caste business as the owner of a big private hospital, a shoe factory, a motorbike dealership and a restaurant. While this self-made man continues to be heralded as an

Hari Pippal

inspiration to others, he is wary of being used as a token. Pippal points out that India must make a lot more progress before the caste system (and the social stigma associated with lower levels) is eliminated. He described the various ways in which his caste has continued to affect his work life as well as his personal life. To begin with, he could not name his first startup company after

himself as it would be snubbed by higher caste members. Later on, as he became more successful, he built a hospital which was initially snubbed by doctors of different castes. These folks came flocking back once the place became renowned in the area. There was also the sad incident involving Pippal’s son and his fiancé. While the girl’s high-caste family were happy about the union, many from their community were offended by it. The engagement fell apart when these members started threatening the life of the girl’s family. Pippal supports programmes, be it educational endeavours or empowerment efforts, that will diminish this type discrimination. He believes that these ventures would l help the lower castes overcome the initial hurdle, ie the poverty issues.

Keeping it alive

THE ancient performance art of sword swallowing is a popular attraction at carnivals, traveling sideshows and apparently TED Talks. Its origins are found in India almost 4,000 years ago, and over time spread throughout the world to other cultures. The practice of swallowing multiple swords didn’t

become popular until the 19th century or so, with sword swallowers vying to be the most unique attraction. Enter one Ramesh Chandra Kasera. In September of 2006, Indore-based Kasera swallowed eleven swords at once, keeping the Indian tradition of swordswallowing alive. According to the video, he used to perform in a travelling troupe and took up the

craft when his uncle injured himself performing the same trick. Not content with just swallowing sharp blades, he decided to top off the performance with the careful placement of burning incense sticks in his mouth. Unfortunately for Kasera, larger numbers of swords have been swallowed, such as woman’s world record holder Natasha Veruschka, who swallowed 13 swords at the Third Annual Sword Swallower’s Convention on September 3, 2004.

Then there is Red Stuart who swallowed 50 swords at once at the International Sword Swallower Awareness Day on February 28, 2009. At least Kasera has the whole “eating burning embers” thing going for him.

MUMBHAI Vikas Sabnis

Please proceed, sir! Everyone is present, except those who are on their way to the BJP.

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CHANGE OF NAME

I have changed my name from Shabbir Ahmed to Mohammed Shabbir Sharmuddin Sayyed as per Affidavit Dated 16/01/2015. C-43652 I have changed my name from Premalatha to Prema Arun Shetty as per Affidavit Dated 16/01/2015. C-43653 I have changed my name from Radhamony to Radha Vijayan Pillai as per Affidavit Dated 16/01/2015. C-43654 I have changed my name from Irene Quadros to Irene Quadras as per Affidavit Dated 16/01/2015. C-43655 I have changed my name from Jamila Rasool to Jamilabi Shakil Ahmed Ansari as per Affidavit Dated 10/01/2015. C-43656 I have changed my name from Mariya to Mariya Attarwala as per Affidavit Dated 10/01/2015. C-43657 I have changed my name from Mohsinali to Mohsinali Attarwala as per Affidavit Dated 10/01/2015. C-43658 I Mohsinali Attarwala have changed my daughter name from Sakina Bohra to Sakina Attarwala as per Affidavit Dated 10/01/2015. C-43659 I have changed my name from Merchant Shejad Shakil, to ‘Merchant Shezad Shakil’ as per Deedpoll Affidavit Dated: 15/01/2015. C-43660 I have changed my name from Salahuddin Nasruddin, to ‘Khan Salauddin Nasruddin’ as per Deedpoll Affidavit Dated: 16/01/2015. C-43661

Afternoon Despatch & Courier

CLASSIFIEDS I have changed my name from Ms. Meera Chellaram Nagdev to Mrs. Sonam Bhajanlal Ahuja as per Affidavit. C-43667 I, Sunaina Srichand Chhabria has changed my name to Kaira Lalit Gurnani vide Gazette No. U-8663 dtd 15/2/2007. C-43668 I, Kavita Agarwal has changed my name to Sanjana Vishal Chandni vide Affidavit dtd 16th Jan.2015. C-43669 I have changed my name from Usha Ashok Kanoje to Rama Rajiv Sarvade as per Maha. Govt. Gazette (X-6436) dtd 31.7.2003. C-43670 I have changed my name from Dhaku Dattatray Bhogale to Abhijeet Dattatray Bhogale as per Maharashtra Gazette No. X-103467 dated 12/05/2011. C-43671 I have changed my name from Mohd Faisal Isa Patel to Mohd Faisal Essa Patel vide Govt of Maha. Gazette No. (X-37355). C-43672 I have changed my name from Rakesh Ramswarath Rai to Rakesh Ramswarath Roy vide Govt of Maharashtra Affidavit No. (LV 138826). C-43676 I have changed my old name from Muniyappa Narsappa Kabber to new name Muniyappa Narsappa Waleker as per Gazette No. (U-26209). C-43673 I have changed my old name from Praveen Dhansingh Peherwar to Pravin Dhansingh Peherwar as per Deed Poll Affidavit. C-43674 I have changed my old name From Maheshlal Rangaldas Chawla to Mahesh Rangaldas Chawla as per Deed Poll Affidavit. C-43675 I have changed my name from Chandrashekhar Dalsingar Upadhyay to Shekhar Upadhyay as per Gazette No. X-49756. C-43677

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MUMBAI | MONDAY, JANUARY 19, 2015

I have changed my name from “Nitinbhai Patel” to “Nitin Patel” as per Affidavit. C-43683 I have changed my name from Manishaben Nitinbhai Patel to “Manisha Nitin Patel” as per Affidavit. C-43684 I have changed my name from “Rajiyakhatun Bafati Khan” to Shahjadi Begam Bafati Khan vide Maha. Govt. Gazette No (X-36677) Dated 18-24 December 2014. C-43685 I have changed my name from Gretta Mary D'souza to Gretta Mary Louisa D'souza as per Affidavit. C-43686 I have changed my name from Vinodkumar Damodar Goenka to “Vinod Damodar Goenka” as per Affidavit. C-43687 I have changed my name from Sabera Nasir Sayyed to “Sabira Nasir Sayyed” as per Affidavit. C-43688 I have changed my name from “Sayyed Nasir Ali Abdul Shukur Sayyed” to “Nasir Shukur Sayyed” as per Affidavit. C-43689 I have changed my name from Javed Suleman Kazi to “Javeed Suleman Kazi” as per Affidavit Dated 17th January” 2015. C-43690 I have changed my name from Shaikh Rabani to Rabbani Shaikh as per the deedpoll Affidavit. C-43691 I have changed my name from Owes Mohammed Shoayb Ansari to Owais Mohammed Shoeb Ansari as per the deedpoll Affidavit. C-43692 I have changed my name from Mohammed Shoayb Abdul Hai Ansari to Mohammed Shoeb Abdul Hai Ansari as per the deedpoll Affidavit. C-43693 I have changed my name from Tayyeba Shoeb Ansari to Tayyaba Bano Mohammed Shoeb Ansari as per the deedpoll Affidavit. C-43694

I have changed my name from Javed Islam Khan to Mohammed Javed Islam Khan as per the Affidavit. C-43700

I Riyaz Mohamad Khan have changed my name to Niranjan Shekhar Shetty as per Deedpoll Affidavit Dated: 17/01/15 C-43717

I have changed my name from Farzana Bano Khan to Farzana Khan as per the Affidavit. C-43701

I Francina Riyaz Mohamad Khan have changed my name to Francina Niranjan Shetty as per Deedpoll Affidavit Dated: 17/01/15 C-43718

I have changed my name from Farzana Bano Mohammed Javed Khan to Farzana Mohammed Javed Khan as per the Affidavit. C-43702 I have changed my name from Riyaz Ahmed Khan to Riyazuddin khan as per the Affidavit. C-436703 I have changed my name from Gauthamchand to Gauthamch and Betala as per the deedpoll Affidavit. C-43704

I Vimala Gautamchand Ranka Jain have changed my name to Vimla Gautamchand Ranka as per Deedpoll Affidavit Dated: 16/01/15 C-43737

I Fazleilahi Nooreilahi have changed my name to Fazle Ilahi Nooreilahi Shaikh as per Deedpoll Affidavit.

I Raghvendra Rajesh Singh have changed my name to Raghvendra Rajeshkumar Singh as per Deedpoll Affidavit Dated: 10/01/15 C-43707

I Nazmeen Fazleilahi have changed my name to Nazmeen Fazle Ilahi Shaikh as per Deedpoll Affidavit. C-43723

I Reshma Rajaram Patil have changed my name to Reshma Sachin Mhatre as per Maha. Government Gazette No. X-37465 Dated: 25/12/14 C-43739

I Tabbsum have changed my name to Afsana Dilshad Khilji as per Deedpoll Affidavit Dated: 17/01/15 C-43708

I Deepali Dilip Gurav have changed my name to Dipti Dilip Gurav as per Deedpoll Affidavit. C-43724

I Mansukhlal Rathod have changed my name to Mansukhbhai Rathod as per Deedpoll Affidavit. C-43740

I Nazma have changed my name to Nazma Mohd Siddiqu Khilji as per Deedpoll Affidavit Dated: 17/01/15 C-43709

I Reena Umashankar Chowrisia have changed my name to Reena Anand Chaurasiya as per Deedpoll Affidavit. C-43725

I Muneera Bi D/O Shaikh Adam Haju have changed my name to Munira Nasir Ibjee as per Deedpoll Affidavit. C-43741

I Sadeek & Sandeek have changed my name to Mohd Siddiqu Khilji as per Deedpoll Affidavit Dated: 17/01/15 C-43710

I Anand Kumar Munnilal Chaurasiya have changed my name to Anand Munnilal Chaurasiya as per Deedpoll Affidavit. C-43726

I have changed my name from Narsinghani Jaikishin to Chhapru Jaikishin as per Affidavit. C-43742

I Dilsad have changed my name to Dilshad Mohammad Siddiqu Khilji as per Deedpoll Affidavit Dated: 17/01/15 C-43711 I Soyebbhai have changed my name to Sohebbhai Momen as per Deedpoll Affidavit Dated: 17/01/15 C-43712

I have changed my name from “Dharmishtaben Rasiklal Shah ” to “Dharmishtha Satish Shah” as per Affidavit Dated 17th January” 2015. C-43679

I have changed my name from Ravikumar Sitaram Kanojia, to ‘Ravi Sitaram Kanojia’ as per Maharashtra Govt. Gazette No. (U- 63568) Dated: 21/03/2013. C-43664

I have changed my name from “Ku Namrata Prakash Vartak” to “Namrata Prakash Vartak” as per Affidavit Dated 17th January 2015. C-43680

I have changed my name from Roshnee Ravikumar Kanojia, to ‘Roshnee Ravi Kanojia’ as per Maharashtra Govt. Gazette No. (X-112367) Dated: 06/06/2013. C-43665

I have changed my name from “Sandeep Kumar” to “Sandeep Thakur” as per Affidavit Dated 17thjanuary” 2015. C-43681

I have changed my name from Mekhala Chindarkar to Mekhala Raj Iyer as per the deedpoll Affidavit. C-43698

I Popatlal Nagji Sondigara have changed my name to Popatbhai Nagjibhai Sondigala as per Deedpoll Affidavit Dated: 17/01/15 C-43715

I have changed my name from “Madhu Kumari” to “Madhu Thakur” as per Affidavit Dated 17th January” 2015. C-43682

I have changed my name from Jennifer Samson Pereira to Jasmin Ravi Kukreja as per the deedpoll Affidavit. C-43699

I Merline Riyaz Mohamad Khan have changed my name to Malini Niranjan Shetty as per Deedpoll Affidavit Dated: 17/01/15 C-43716

I have changed my name from Ms. Chetna Natwarlal Soni to Mrs. Suhani Ricky Ahuja as per Affidavit. C-43666

I Titiksha Chimanlal Shah have changed my name to Tanvi Ashok Samjiskar as per Deedpoll Affidavit. C-43736

I Bhavanabahen Bharatkumar Kakadia have changed my name to Bhavana Bharat Kakadia as per Deedpoll Affidavit Dated: 16/01/15 C-43706

I have changed my name from Shanti Sitaram Kanoujia, to ‘Shantidevi Sitaram Kanojia’ as per Maharashtra Govt. Gazette No. (X-29989) Dated: 13/11/2014. C-43663

I have changed my name from Vinita Sinha to Vinita Singh as per the deedpoll Affidavit. C-43697

C-43720

I Mrs. July Himanshu Mehta have changed my name to Mrs. Julie Himanshu Mehta as per Deedpoll Affidavit. C-43735

I have changed my name from Mallikarjun to Mallesh Ambaji Gajare as per the deedpoll Affidavit. C-43705

I have changed my name from “Satishkumar Popatlal Shah” to “Satish Popatlal Shah” as per Affidavit Dated 17th January” 2015. C-43678

I have changed my name from Ninette May Jeffrey D'Mello to Ninette Sardinha, as per the Affidavit. C-43696

I Jagadeesha Shetty have changed my name to Jagdish Krishna Shetty as per Deedpoll Affidavit Dated: 15/01/15

I Mr. Hemanshu Mehta have changed my name to Mr. Himanshu Mehta as per Deedpoll Affidavit. C-43734

I Uttam Kumar Rambhuvanrai Garg have changed my name to Uttam Rambhuvanrai Garg as per Deedpoll Affidavit Dated: 13/01/15 C-43721

I have changed my name from Abdul Razak, to ‘Motarwala Abdul Razak’ as per Deedpoll Affidavit Dated: 09/01/2015. C-43662

I have changed my name from Shoeb Abdul Hai Ansari to Mohammed Shoeb Abdul Hai Ansari as per the deedpoll Affidavit. C-43695

I Jayesh Chaganlal Dhakan have changed my name to Jayesh Chaganlal Soni as per Deedpoll Affidavit Dated: 15/01/15 C-43719

I Mr. Hemansukumar Bipinchandra Mehta have changed my name to Mr. Himanshu Bipinchandra Mehta as per Deedpoll Affidavit. C-43733

We Mr. Sohebbhai Yakubbhai Momen & Mrs. Yasmeen Sohebbhai Momen have changed our minor daughter’s name from Afsaben to Hafsa Momen as per Deedpoll Affidavit Dated: 17/01/15 C-43713 I Mr. Faiyyaz Papa Patel have changed my name to Mr. Raju Papa Patel as per Deedpoll Affidavit Dated: 13/01/15 C-43714

C-43722

I Vasrailakhatoon Shakeel Ahmed Usmani & Raisa Band Shakeel Ahmed Usmani have changed my name to Raisabi Shakeel Ahmed Usmani as per Deedpoll Affidavit. C-43727 I Shah Babubhat Kilachand have changed my name to Shah Ashwin Kilachand as per Deedpoll Affidavit.

I Jayeshkumar Premji Chheda have changed my name to Jayesh Premji Chheda as per Deedpoll Affidavit Dated: 17/01/15 C-43738

I have changed my name from Kirit to Kirit Iswarlal Jariwala as per Affidavit. C-43743 I have changed my name from Ikrambhai Abubakkarbhai Gulam Rasul Nedariya to Ikram Abubakkar Nedariya as per Affidavit C-43744

C-43728

I have changed my name from Angelina John Fernandes to Angela Dsouza as per Affidavit.

I Kirti Amit Rathi have changed my name to Kirti Harsh Maheshwary as per Deedpoll Affidavit. C-43729

I have changed my name from Gautam Mehtato Gautambhai Mehta as per Affidavit. C-43746

I Manojkumar Rudal Yadav have changed my name to Manoj Rudal Yadav as per Deedpoll Affidavit. C-43730

I have changed my name from Vijaykumar Vishandas to Wadhwani Vijay Vishandas as per Affidavit. C-43747

I Mr. Sundar Salian have changed my name to Mr. Sunder Salian as per Deedpoll Affidavit. C-43731

I have changed my name from Simanchala Trinath Sethy to Simanchal Trinath Shetty as per Affidavit. C-43748

I Mrs. Manoramma Kishor Patil have changed my name to Mrs. Rama Kishor Patel as per Deedpoll Affidavit. C-43732

I have changed my name from Mrs. Amul Sethy toMrs. Amul Shetty as per Affidavit. C-43749

C-43745

contd. on p. 6

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Instability or adrift? C

hief Minister Devendra Fadnavis and, more precisely, the Bharatiya Janata Party (BJP) did not exactly want the media to hear about the state of the economy. At one end he argued before party men that he would take a loan of Rs 52,000 crore for his government to just fund the sops and programmes announced by the previous Congress-Nationalist Congress (NCP) government. At

term gains in ensuing Mumbai civic polls. At present the party is more interested in enrolling as many primary members that it can in a bid to create a record of sorts. Ignoring the fact that unless it delivers on the ground, no sane person would vote for the political party or politician. Sena still is wary of what the BJP might do next after it has dropped hints that it might contest the civic elec-

CM Devendra Fadnavis

NCP chief Sharad Pawar

the other end the government dished out a largesse of Rs 50 lakh for the newly elected 288 Members of the Legislative Assembly (MLA) as the MLA Area Development Fund, till March when the new state budget will come. To make matters worse for Fadnavis, his ministers seem to be more interested in embarrassing their own Chief Minister with their comments and actions. Until last week most of his BJP ministers were found waiting in Mantralaya, prompting him to declare that he would stay put in Mumbai for at least three days a week. On the other hand the Shiv Sena and its ministers appear to have become wise enough to realise that this stint in power should be used to do more hardwork and regain lost ground. The Sena ministers appear to be punctual in their attendance at office. The common man is still not visible in Mantralaya as the impression is that despite the acquired majority there appears to be a sense of drift in the government. On the political front as well by admitting allegedly tainted former Maharashtra Navnirman Sena (MNS) MLA Praveen Darekar, it has once again shown that it is willing to shed its inhibitions for the sake of long

tions on its own. Hence it has made its plans clear of contesting the ensuing Delhi state assembly elections. Even NCP chief Sharad Pawar has wasted no time in targetting the Fadnavis led government ridiculing it for what he felt its lack of knowledge and administrative acumen in solving the festering sugarcane crisis of late. The government has not been able to extract funds for drought relief measures in the Vidarbha and Marathwada regions as yet. In a little more than a month’s time the government faces its first litmus test as it presents its first fullfledged state budget. Going by the pronouncements of Fadnavis, some of his sluggish ministers, the farmer today is badly battered by drought in some parts of the state. In other parts he is struggling to save whatever crop he has managed to grow. Add to it the misery of long power cuts, high power bills and lower remunerative prices for their products is forcing the likes of BJP ally Swabhimani Shetkari Sanghatna (SSS) leader and MP Raju Shetty taking law into his own hands ransacking government offices. Allies and foes alike all are snipping at its heels, and the BJP and its government seems to be adrift.

Party offices move to make way for Metro

CITY

By A Staff Reporter

he Mumbai Metro Rail Corporation Ltd (MMRCL) has issued notices to political party offices to make way for the Metro Vidhan Bhavan Station. The political parties have assured complete cooperation and MMRCL has promised further assistance in identifying alternative accommodation before the actual construction of the station begins. Ashwini Bhide, Managing Director, MMRCL, said, “It was heartening to receive such positive response from the political parties. I am sure Ashwini Bhide, MD-MMRCL.

the entire construction of the Colaba-Bandra-SEEPZ Metro-3 corridor will now be completed with the intended speed and precision.” There are 26 government offices and eight party offices near the upcoming Metro Vidhan Bhavan Station which need resettlement. The representatives of 14 government offices and six political parties attended the meeting. The MMRCL has suggested MTNL, BSNL, MbPT and World Trade Centre as alternatives to accommodate the government offices. A meeting which was attended by members of the Congress, NCP, RPI, SP, Shiv Sena and

Shetkari Kamgar Party agreed to the relocation after their visit to the suggested alternatives and examining convenience. The representatives of the parties also suggested that since the offices of the political parties are together and accessible to the comman man, it will be advisable to locate these offices near Mantralaya. They will make a proposal to this effect to the General Administration Department which in turn will facilitate a meeting with the Chief Minister to find out a solution. The offices of the political parties are expected to be relocated by May.

BMC introduces Aadhar employment scheme By Khushboo Panjabi

part from providing essential civic services, the Brihanmumbai Municipal Corporation (BMC) may also offer citizens household services in the future. The civic body has decided to provide work to unemployed people in the city under the ‘Aadhar’ scheme. According to the civic officials, the planning department of the civic body has been providing professional training to women’s self help groups, young girls and unemployed youths. Of them, women and girls are provided training under the gender budget schemes and male youths are trained under the Swarna Jayanti Shahari Rozgar Yojana. In order to provide them employment, the BMC has prepared an ‘Aadhar’ scheme, under which workers

like caretakers, plumbers, electricians, cooks etc will be registered. The BMC is also planning to start a helpline for these services. People who want to avail of these services will be provided access to these workers. “To ensure safety, the Aadhar centres will have records and testimonies of all the workers, so the services will be trustworthy,” said Prachi Jambhekar, assistant commissioner, planning. The BMC is also planning to make a portal for the registration of youths seeking to have professional training. The

The gender budget concept was initiated by the then Mayor Shubha Raul in 2009. Under the gender budget, the BMC implements women and child welfare schemes, which include basic training for skill development, self-protection and capacity building to help poor and needy urban women in self-employment. These schemes can also be availed by women, whose families are below poverty line (BPL).

portal will also have information about institutes providing such training, she added. The products made by women’s self help groups will also be branded through Aadhar centres. The civic body has already started four such centres in the Western suburbs.

30 demolitions in 7 days! By Khushboo Panjabi

civic officials. According to the officials of n a major demolition drive P/North ward office, the BMC undertaken in recent times, had received numerous comthe Brihanmumbai Munici- plaints of illegal structures pal Corporation (BMC) razed mushrooming in areas like more than 30 unauthorised Malvani, Mithchowki, structures in Malad. The Mourya Compound, Asbe drive is likely to continue fur- Nagar in Malad. The civic ther till all illegal structures in body has decided to demolthe area are removed, said ish them in phases.

In a drive with began on January 5, the BMC has so far razed more than 30 unauthorised structures, most of them shanties. In some places, the foundation set up to erect the structures were also razed. “The locals initially tried to oppose our action. But later the demolition went off

smoothly,” said Devendrakumar Jain, assistant commissioner, P/North ward. “The demolition drive was conducted on January 5 and 8. The civic authority has razed more than 30 illegal structures in Malad, that have been mired in court cases. We have sought police protection for the demolition drive.”

06 CHANGE OF NAME We Mr. Simanchal Shetty & Mrs. Amul Shetty have changed our minor child name from Anil Sethy to Anil Shetty as per Affidavit. C-43750 I have changed my name from Rab Nawaz Mumtaz Ali to Rabnawaz Mumtaz Ali Khan as per Affidavit. C-43751 I have changed my name from Samarbegamto Saira Mumtaz Ali Khan as per Affidavit C-43752 I have changed my name from Vanlataben Mansukhlal Mehta to Vanlata Suryakant Pratap as per Affidavit. C-43753 I have changed my name from Thresa to Theresa Pandian Nadar as per deed poll Affidavit C-43754 I have changed my name from Pandyan Nadar to Narayan Samutra Pandian as per deed poll Affidavit C-43755 I have changed my name from Mohamed Yakoob Tahir Ansari to Mohammed Yaqoob Tahir Ansari as per Affidavit C-43756 We Mr. Bharat Ratilal Sangani & Mrs. Manisha Bharat Sangani have changed our childâ&#x20AC;&#x2122;s name from Jia Bharat Sangani to Jiya Bharat Sangani as per Affidavit C-43757

CLASSIFIEDS I have changed my name from Farhan Junaid A.Md Aslam Sardar to Farhan Junaid Aslam Sardar as per Affidavit C-43789

I have changed my name from Kailash Rajput to Kailassingh Rajput as per Affidavit C-43770

I have changed my name from Jabbar Mohd Kamruddin to Jabbar Ahmed Mohd Kamruddin Shaikh as per Affidavit C-43790

I have changed my name from Mohammed Tatti to Mohammed Gaus Tatli as per Affidavit C-43771 I have changed my name from Vijay Ratanlal Prithini to Vijaykumar Ratanlal Prithiani as per Affidavit C-43772 I have changed my name from Salman Ali Jafar Ali Khan to Salman Jafar Ali Khan as per Affidavit C-43773 I have changed my name from Arti Panjwani to Aarti Panjwani as per Affidavit C-43774 I have changed my name from Jawharlal Parmanand Panjwani to Jawahar Parmanand Panjwani as per Affidavit C-43775 I have changed my name from Jawaharlal Parmanand Panjwani to Jawahar Parmanand Panjwani as per Affidavit C-43776 I have changed my name from Malkani Sugra Alamgir to Loya Sugra Anwar as per Affidavit C-43777 I have changed my name from Mariam Abdul Sattar Kodia to Mariam Abdul Sattar Loya as per Affidavit C-43778

I have changed my name from Mohammed Rashid Peer Mohammad to Rashid Peer Mohammad Shaikh as per Affidavit C-43759

I have changed my name from Jarina Bi Shaikh to Zarina Bano Shaikh as per Affidavit C-43779

I have changed my name from Nishad Fainaz Shaikh to Nishat Faiyaz Shaikh as per Affidavit C-43761 I have changed my name from Fainaz Ahmed Shaikh to Faiyaz Ahmed Shaikh as per Affidavit C-43762 I have changed my name from Girish Nanjibhai Patel to Girish Nanjibhai Vaviya as per Affidavit C-43763

I have changed my name from Sujitkumar Damodaran Nair to Sujit Damodaran Nair as per Affidavit C-43780 I have changed my name from Srinivas to Srinivas Rama Poojari as per Affidavit C-43781 I have changed my name from Sumit to Sumit Dashrath Panchal as per Affidavit C-43782 I have changed my name from Geetha Gopalakrishnan to Geetha Gopalakrishnan Iyer as per Affidavit C-43783

I have changed my name from Damaji Nanji Vaviya to Damji Nanji Vaviya as per Affidavit C-43764

I have changed my name from Rambhuj Chauhan to Rambujh Rampujan Chouhan as per Affidavit C-43784

I have changed my name from Shamuvel Rajan Rangare to Samuel Rajan Rangare as per Affidavit C-43765

I have changed my name from Sunny Gill to Suninder Singh Gill as per Affidavit C-43785

I have changed my name from Jitendra Pratapshinh Thakkar to Jitendra Pratap Thakkar as per Affidavit. C-43766

I have changed my name from Farhat Ara Ishaque Khan to Farhat Mohammed Mustaqeem Khan as per Affidavit. C-43786

I have changed my name from Praveenkumar Vallabhdas Thakker to Praveen Vallabhdas Thakker as per Affidavit. C-43767 I have change my name from Laxmiben Dyalji Thakker to Laxmi Vallabhdas Thakker as per Affidavit C-43768

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I have changed my name from Kamini Francis Chauri to Kavita Rajan Rangare as per Affidavit C-43769

I have changed my name from Pinky Ram Tapal to Ifra Irfan Khan as per Affidavit C-43758

I have changed my name from Konark Sorap to Konarrk Sorap as per Affidavit C-43760

Afternoon Despatch & Courier

I have changed my name from Laxman Suresh Padigela to Mohammad Husain Rehman Shaikh as per Deedpoll Affidavit C-43787 I have changed my name from Mohd Fouzan to Mohammed Fauzan Shaikh as per Affidavit Dt. 17.01.2015. C-43788

I have changed my name from Khuldina Abdul Waheed Raye Shaikh to Khuldin Mohammed Feroz Sheikh as per Affidavit C-43791 I have changed my name from Rizwan Ikramuddin Bhatti to Rizwan Ikramuddin Bhati as per Affidavit C-43792 I have changed my name from Mr. Mohammed Aftab Gyasuddin Ansari to Mr. Mohammad Aftab Alam Ansari as per deed poll Affidavit C-43793 I have changed my name from Mr. Mohammed Irshad Hazrat Ali Khan to Mr. Irshad Ali Hazrat Ali Khan as per deed poll Affidavit C-43794

PUBLIC NOTICE

PUBLIC NOTICE I A R V I N D K U M A R NARMADASHANKAR JOSHI, adult, Indian Inhabitant, residing at 4/401, Vinay Tower, Vinay Nagar, Opp. Pleasant Park, Mira Road East, Dist.: Thane, do hereby state on solemn affirmation as under : I hereby declare that Me, My Wife or my another Son SANJAY ARVINDKUMAR JOSHI will not be responsible for any monitory transaction and/or if any contract carried out by my said son SANDEEP ARVINDKUMAR JOSHI. In any manner whatsoever if any one deals with my said son then he does so at his own risk and family is not liable for same. Sd/ARVINDKUMAR N. JOSHI Place: Mumbai Date: 19/01/2015

38%/,& 127,&( 1RWLFH LV KHUHE\ JLYHQ WR VOXP 'ZHOOHUV DW YLOODJH 0RKLOL WDO .XUOD 6DIHHG SRRO .XUOD $QGKHUL 5RDG .XUOD : 0XPEDL EHDULQJ & 7 6 1R WR E\ 0 V (NWD 'HYHORSHUV KDYLQJ WKLHU RIÂżFH DW $ /XFN\ 0DQVLRQ 2SS .KRMD -DPDW .KDQD $ + :DGLD 5RDG .XUOD : 0XPEDL 7KDW VDLG SORW RI ODQG KDV EHHQ JLYHQ WR 0 V (NWD 'HYHORSHUV IRU GHYHORSPHQW DQG UHKDELOLWDWLRQ RI -DL 5DGKD .ULVKQD &+6 SURSRVHG E\ 6 5 $ $GPLQLVWUDWLYH %XLOGLQJ $QDQW .DQHNDU 0DUJ %DQGUD ( 0XPEDL / 2 , 1R 65$ (1* / 3/ /2, 'W ,Q UHVSHFW KDV EHHQ LVVXHG WR DUFKLWHFW 6KUL %LOZDPDQJDO 5HJH DQG(NWD 'HYHORSHUV &RS\ RI VDLG / 2 , UHVSHFW WR VDLG SORW RI ODQG LV NHSW LQ WKH RIÂżFH RI 6 5 $ DQG 6RFLHW\ $Q\ 3HUVRQ KDYLQJ DQ\ REMHFWLRQ PD\ VXEPLW KLV REMHFWLRQ LQ ZULWLQJ RU 6 5 $ÂśV RIÂżFH ZLWKLQ GD\V IURP RI SXEOLFDWLRQ RI WKLV QRWLFH )RU (NWD 'HYHORSHUV $XWKRUL]HG 6LJQDWXUH

Afternoon Despatch & Courier

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MUMBAI | MONDAY, JANUARY 19, 2015

What becomes of the teenage mother? PRACTICE SESSION FOR THE BIG DAY... Mumbai Police parading at the Naigaon Police ground during the rehearsal for Republic Day, on Sunday.

By Santia Dudi

he teenager who was impregnated by her brother-in-law will likely be sent to a shelter home in the city after latter was sentenced to 10 years in prison. Special women's judge AS Shende has asked the Versova police to submit a report describing the minor's family situation. Public Prosecutor (PP) Kalpana Hire told the ADC, “The victim tried to slit her wrist with a blade in front of the judge. She also told the court that she wants to live with the accused and doesn't want to go back to her mother's place. The judge asked the man's mother if she can keep the victim at her home. But the convict's mother said that her son was

Oops!

the sole bread-winner of the family, and after his sentence their financial condition will not allow them to keep the girl.” Therefore the judge has asked the Versova police to submit a report describing the condition of both the families. Based on the report, if judge finds that the victim has nowhere to go, she will be sent to a shelter home. The victim used to live in a hostel at Versova during which time she would visit her sister and brother-in-law where she witnessed them fighting. Her brother-in-law made sexual advances towards her and impregnated her. When her pregnancy was discovered by the hostel authorities, she was expelled from the hostel. It was then that her mother realised that

Due to an inadvertent slip-up, an incorrect internet picture bearing an identical name was used by us for the story-article which appeared on Saturday, December 17, 2015 on the Films Page 11 titled 'Breakthrough for Madhurima'. We earnestly regret the error and any inconvenience caused. Meanwhile, here is the right picture of popular model-actress Madhurima Tuli whose movie 'Baby' releases this Friday. We wish Madhurima — Editor all the best for her 'star-trek'.

she was pregnant. She was denied an abortion as the pregnancy was in an advanced stage. Later she delivered her baby at Nair hospital. She was 13 years at that time. The victim and the accused later ran away. They were arrested on September 13, 2013 while they were staying in the city as husband and wife. The birth certificate of the victim was produced in court which testified her age.

Pics: Azad Shrivastav | ADC

Mumbai Traffic Police practice on motorbikes for Republic Day parade at the Worli Police Grounds on Sunday.

H - FORM LOST

H Form No. 0108989 and 0108987 issued by Gimpex Ltd. - 27640629514C from April - Sep To V. K. Lalani & Sons 276710103903V has been lost. If anybody finds it, is requested to return the same at the below address V. K. Lalani & Sons 11 / Aman Apts, Mazgaon. Mumbai - 400010 Contact No. 9819857360 Email - vkbombay@gmail.com

MIRA BHAYANDAR MUNICIPAL CORPORATION Public Works Department

Indira Gandhi Bhavan, Chhatrapati Shivaji Maharaj Marg, Bhayandar (W) 401 101 Tal. Dist. Thane, 28192828 No. MNP/PWD/Tender/227/2014-15 dt. 17-1-2015

Re-Tender Notice No. 227 Mira-Bhayandar Municipal Corporation Public Works Department are invited tender for Different Types of Works. The Tender documents are available on MBMC website https://mbmc.eproc.in/ https://mahatenders. gov.in

from 19-01-2015 to 28-01-2015 upto 12.00 p.m. & submit the tender dully filled on https://mbmc.eproc.in /https://mahatenders.gov.in Submission date 29-012015 upto 12.00 p.m. hrs. Sd/Executive Engineer (PWD) Mira Bhayandar Municipal Corporation Place: Bhayandar Date: 16-01-2015 M.B.M.C./PRO/458/2014-2015 date:17-01-2015

NOTICE I, Priyadarshan C. Deshmukh Directos of M/S. Decon Management Services Pvt. Ltd. holding Registration Certificate No: B-0385/mum/com/1000/5/8401/2009 Dated: 27/04/2009. Under the Emigration Act 1983 for export of Manpower, am intending to close our business with effect from TODAY i.e. 19.01.2015. In the event there is any claim against me/us, the same may be referred Within 30 days of publication of this notice. Copies of the Complaint may Also be sent to Protector General of Emigrants, Ministry of Overseas Indian Affairs, Akbar Bhavan, Chanakyapuri, New Delhi – 110021 Priyadarshan C. Deshmukh Director M/S. Decon Management Services Pvt. Ltd. Place: Mumbai Date: 19.01.2015

Kashimira real estate conman caught

Afternoon Despatch & Courier

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By Suresh Golani

fter remaining elusive for more than five months, a conman who posed as a builder and duped several home seekers in the region finally landed in the custody of the Kashimira police late on Saturday night. Identified as Jasbir Singh, the accused had floated fly-by-night construction companies with the sole intention of cheating gullible homeseekers and local investors. Posing as a builder with various upcoming housing projects in the region, Singh allegedly lured people by offering affordable flats and residen-

tial land at upcoming housing destinations in and around the district. Jasbir who even placed advertisements in local newspapers, accepted booking amounts and part payments towards never-to-be completed construction projects. Following a series of complaints, the Kashimira police had registered a FIR against Singh under section 420 of the IPC last year. However, since then, he had managed to remain elusive. Acting on a tip-off a police team led by PI (Crime) Rajendra Kamble nabbed Singh from Mira Road late on Saturday night. Investigations revealed that the

MIDC (Mumbai) police has also registered a similar offence against Singh. “The magnitude of the fraud seems to be much higher. So far five people who collectively lost Rs 21 lakh have registered their complaints against Singh. He has been arrested and remanded to four days in police custody,” said senior police inspector Anil Kadam who appealed to other victims to come forward and register their complaints with the Kashimira police. Investigations were also on to ascertain the complicity of Singh’s office staffers in the case, police said.

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54% turn out to vote in MBMC bye-polls By Suresh Golani

ye-election to ward number 18 (B) in the Mira Bhayandar Municipal Corporation, which was held on Sunday, registered a 53.57 per cent voter turnout. About 5,515 out of the total 10,275 voters exercised their franchise in the election process which started off at a slow pace but picked-up later in the day. Apart from a technical glitch in one of the EVMs, the election passed off smoothly. No untoward incidents were reported. The bye-polls were necessitated following the resignation of sitting corporator Adv Ravi Vyas who deserted the NCP and jumped into the BJP bandwagon. With Vyas trying to retain his seat on a BJP ticket, a triangular contest between him, NCP’s Charudutt Aitode and Milan Mhatre (Janta Dal– S) is on the anvil. Also in the race is BVA candidate Hirendra Shah. Counting of votes will be held on Monday.

Bill planned to rename Ministerial panel to study Kelkar Madras, Bombay HCs N Committee recommendations

aharashtra government has set up a high powered ministerial panel headed by Finance Minister Sudhir Mungantiwar to study recommendations of the Vijay Kelkar Committee on methods to eradicate development backlog and ensure equitable distribution of funds. According to the Government Resolution (GR) issued on Saturday, the panel will study recommenda-

tions of the Kelkar Committee and observations of the departments' concerned about it before submitting its report to government, reports PTI. The cabinet sub-committee will include water resources minister Girish Mahajan, power minister Chandrashekhar Bawankule, education minister Vinod Tawde, industries minister Subhash Desai and public health minister Deepak

Sawant. Kelkar committee was set up on May 31, 2011 to study the prevailing situation in Marathwada, Vidarbha and North Maharashtra, meet the stakeholders and suggest methods to end the development backlog and ensure equitable distribution of development funds. The Committee report was tabled in Nagpur session of the Legislature.

A Trip to McDonald’s

EW DELHI: The iconic high courts of Bombay and Madras may soon undergo a change in their nomenclature. Amid demands, the Centre is mulling changing the names of the two high courts through an Act of Parliament, reports PTI. The Law Ministry has started working on a bill to rename Bombay and Madras high courts to correspond to the present names of the cities. There have been demands to rename the high courts as Mumbai High Court and Chennai High Court after the metros were rechristened in the 1990s. The proposal of the Department of Justice in the Law Ministry is to bring a bill to rename the two high courts established in the 1860s under the Indian High Court Act, 1861. The 'Indian High Court Act' of 1861, vested in the Queen of England to issue letters patent to establish high courts of Calcutta, Madras and Bombay. The Bombay High Court was inaugurated on August 14, 1862. The high court today has three benches at Nagpur, Aurangabad and Goa. Bombay HC is one of a few institutions in Maharashtra that continue to carry the old name of the city.

The state government renamed Bombay as Mumbai in 1995 and all institutions under it altered names accordingly. The Madras High Court, which came into being around the same time, as one bench in Madurai. Besides demands from the Maharashtra and Tamil Nadu governments, various organisations too have been pressing for renaming the two high courts. There have also been demands to rename the Calcutta High Court as Kolkata High Court. The Calcutta High Court has the distinction of being the first high court and one of the three chartered high courts to be set up in India, along with the high courts of Bombay, Madras. It was formally opened on July 1, 1862.

Kin of animals’ attack victims to get Rs 8 lakh compensation T As a mark of protest to condemn the incident in which a McDonald's outlet allegedly threw out a destitute child from its Pune outlet, youth activists of the local Shiv Sena unit, took a couple of underprivileged children to the fast food chain's outlet near Kanakia in Mira Road on Sunday and treated them to burgers and other goodies. Later a delegation led by Nikhil Tawde handed — Pic & text by Suresh Golani over a memorandum to the management of the outlet.

he Government of Maharashtra has decided to pay Rs 8 lakh as compensation to the kin of those killed by wild animals. According to a Government Resolution (GR) issued on Friday, Rs.1 lakh will be given as immediate compensation while the remaining amount will be kept as fixed deposit in the name of the immediate kin, in a nationalised bank, reports PTI. Similarly, victims with minor injuries will be given medical treat-

ment free of cost. "The treatment should be at a government hospital or district hospital," the GR said. In case treatment at a private hospital is necessary, the compensation amount will be Rs 15,000 per person, it said. Wild animals are protected under the Wildlife Protection Act, 1972. The compensation provided to victims of animal attack has been regularly revised but the amount was not adequate and a proposal of hike was pending, the GR said.

Afternoon Despatch & Courier

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BLESSED BY THE PRIME MINISTER

PTI

Modi, Guv, CM attend Sinha’s son wedding

PM Narendra Modi being received by Governor Ch. Vidyasagar Rao and CM Devendra Fadnavis on his arrival at Mumbai airport on Sunday.

PM Narendra Modi feeds a piece of sweet to BJP MP Shatrughan Sinha on the occasion of his son, Kussh Sinha's wedding ceremony in the city on Sunday.

in the recently released movie 'Tevar', took time off from her shooting schedules to attend her brother's wedding. She also tweeted a picture from the wedding ceremony in which

ctor-politician Shatrughan Sinha's son Kush tied the knot with Taruna Agrawal, who hails from a London-based NRI family, in the city on Sunday

in presence of Prime Minister Narendra Modi. Kush, 31, looks after Shatrughan's film and television production business, unlike his twin brother Luv, who has tried his

hand in acting. Shatrughan, a former Union Minister, is the BJP MP from Patna, reports PTI. His daughter actress Sonakshi Sinha, who was last seen

Sawant supports renaming of Tilak memorial By A Special Correspondent

hiv Sena Lok Sabha MP from Mumbai South Arvind Sawant has extended his support to the Lokmanya Swarajya Bhoomi Smarak Samiti demand for naming the Lokmanya Tilak memorial premises at Girgaum Chowpatty as 'Swarajya Bhoomi'. In a memorandum submitted to Chief Minister Devendra Fadnavis yesterday, he stated that the memorial is open only on Tilak's birth and death anniversaries. Only on those days are floral tributes offered to the freedom fighter who first gave expression to India's freedom struggle. He added that in order to make the younger

generation aware of our freedom struggle and nationalist pride, the memorial premise should be named Swarajya Bhoomi. In a statement, Samiti founder president Prakash Silam disclosed that the Samiti has been making the demand since 2011. He further stated that for the last 68 years since Independence the great freedom fighter has been neglected and no reference to his contribution to our freedom struggle has been made deliberately to diminish his importance. Silam pointed out that the Brihanmumbai Municipal Corporation (BMC) has already passed a resolution calling for naming the premise as Swarajya Bhoomi. He further stated that year 2020 happens to be the 100th year of birth anniversary of Lokmanya Tilak. Silam added that the Samiti plans to unveil a huge mural on that occasion.

Modi is seen with the newlywed couple. "Thank you @narendramodi sir for keeping your promise to me! You made our day truly even more special," Sonakshi posted.

Governor C Vidyasagar Rao and Chief Minister Devendra Fadnavis also attended the wedding ceremony along with Shatrughan's close friends and family members.

Buy one, get many free at MU The Mumbai University's distance learning institute distributes more than one copy of study material to those who have already collected it once By Yatin Ingle

A student who has enrolled for a course at IDOL and poshe Institute of Distance sesses a valid admission card and Open Learning may collect a single copy of (IDOL) at the Mumbai Uni- the available study material versity has not been keeping for that course. However, the track of the students who have university on its part has collected their study material, failed to keep track of the stuleaving students to collect all dents who have collected the the extra material they want. material. The senators of the university Pradeep Sawant, senator at claim that the sloppy work of the MU, said, “We have seen IDOL is affecting the budget students collecting the extra allotted to the institute. copies from IDOL. We have

noticed that the students have been taking away the extra material and selling them. IDOL should start maintaining its records to prevent this from happening.” Dr Harishchandan, director of IDOL, said, “IDOL has been maintaining records of the study material that is being distributed to its students. No such complaint has been brought up yet. If it is, IDOL will sure look into it.”

Minorities Comm chief removed, cries foul M

aharashtra government has removed the state's Minorities Commission Chairman Munaf Hakim midway through his tenure, days after he announced plans for conducting a survey to ascertain the number of Muslims in jails. Hakim, who belongs to Sharad Pawar's NCP, said no reason was cited by the government for his removal. "They (government) don't want any interference. My tenure was for five years and I had completed half of it. I was given neither a show cause notice nor a chance to explain my stance (on the jail survey)," Hakim, who was appointed to the post in Au-

gust 2012, told PTI by phone from Satara. "The government has given autonomy to the Commission not for being submissive to the regime. I should have been give a chance to explain," he said. Hakim said his successor Aamir Saheb assumed charge at 10 pm on Thursday. "What was the tearing hurry to take charge at night," he wondered. Sources in the administration, however, defended the decision, saying Hakim was a "political appointee" of the previous Congress-NCP dispensation and that the new BJP-Shiv Sena government had the prerogative to ap-

Munaf Hakim, chairman, Minority Commission point a new head of the panel. "It is a common practice for new governments to fill these positions with their

own representatives. The same process has been followed here. The commissioning of the study was just a trigger," an official said on condition of anonymity. Hakim had recently announced plans to commission a survey by the Tata Institute of Social Sciences to determine the number of Muslims in Maharashtra's jails and the charges under which they had been arrested. "A similar report was undertaken in 2011. I decided to commission a fresh study and told the government that the panel was well within its right to commission the survey," he said.

On auspicious occasion of birth anniversary of Hindu Hriday Samrat Balasaheb Thackeray a dance competition was organised by Rajiv Shripad Pednekar, Chairman Prabhag Samiti and corporater ward no 54 at Behram Baugh, Jogeshwari. On this occasion, Mayor Shenal Ambekar and MLA Anil Prabhakar were felicitated by offering them bouquet. Yuva leader Mohit Pednekar and and over a thousand Shiv Sainiks were present during the occasion.

With a known face, BJP has an edge over one-man AAP

Afternoon Despatch & Courier

EDIT PAGE

DESPATCH & COURIER

Ponder awhile... “Truth, though it has many disadvantages, is at least changeless. You can always find it where you left it.” — Phyllis Bottome

Threat to schools increasing? T

he latest target for terrorists is schools: a warning by the army chief says that terrorists may target schools. The horror perpetrated in a Peshwar school must have shown terrorists that the kids could be an easy target. And killing kids would result in nationwide distress: that is what the terrorists want. A few schools in the cities have carried out some safety drills. It is good that school managements have now become aware of the need for ensuring safety. What is necessary however is a continuing watch. Schools meant for the rich class must take extra care. There is also another kind of terror which holds out a threat. Children who go to these schools face a big danger: Rape by teachers and the members of the staff. In Bangalore, as many as three schools have reported such cases. The ghastly incidents have caused a lot of worry to parents. What is to be noted is cases of molestation — not rape — could be happening in many schools. Not much danger is done, but even so the children go through a silent traumatic experience. The children do not tell their parents and the culprit goes scotfree. These are some of the dangers schools are facing today. They too require silent investigation — a major part of which has to be done by the school itself.

Afternoon DESPATCH & COURIER

A.R. KANANGI Associate Editor (Responsible for selection of News under the PRB Act) KAMAL MORARKA Chairman of the Board of Directors Afternoon Despatch & Courier office is located at: Janmabhoomi Bhavan, 3rd Floor, Janmabhoomi Marg, Fort, Mumbai-400 001. Phone: 40768999. Fax: 40768916. E-mail: afternoonnews@gmail.com Printed by Shashikant Jadhav for Courier Publications Pvt. Ltd., at Journal Press, Free Press House, Free Press Journal Marg, 215, Nariman Point, Mumbai-400 021 and published by him from Janmabhoomi Bhavan, 3rd Floor, Janmabhoomi Marg, Fort, Mumbai-400 001. Registered Office at: 98 Mittal Chambers, Nariman Point, Mumbai-400 021. Vol. XXX No. 255

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MUMBAI | MONDAY, JANUARY 19, 2015

RVIND KEJRIWAL will now have to compete for media space with Kiran Bedi. The undisputed AAP boss and the wannabe BJP boss can soon be seen slugging it out on everything under the sky, including, hopefully, how to make the capital city of India a better place for its teeming millions. But make no mistake about it. There is more that is common between the two than what might separate them. In fact, what divides them can be spelt out in just two words: clashing ambitions. Both believe they are cut out for bigger things. And that belief has often led them to defy good sense and propriety. Let us begin with commonalities. Both were in government service, she the first woman Indian Police Service officer, he a mid-level member of the Indian Revenue Service. Both started and ran NGOs while still in service. And both boast of Magsaysay awards. She made much of the fact of her being the first woman IPS officer, hogging media limelight to acquire a high public profile. Despite being in a uniformed force, she often thumbed her nose at her superiors, bypassing them to reach out to her political bosses. Small wonder, then, she was not really on the best of terms with a large number of her male cadre colleagues. Her public image essentially won her the Ramon Magsaysay award, another of those ‘achievements’ which gave her a swollen head. Soon she went on to found her own NGO while still in service and controls it fully, running it like most NGO entrepreneurs do from her own home. Sometime ago, it was revealed that she billed for executive class air tickets while actually traveling economy. Once it became public, she claimed that that she deposited the difference in cost into her NGO account. Earlier, while posted in Mizoram she had got into trouble for getting her daughter admitted in a medical college using the reserved quota meant for Mizo tribals. Now to Kejriwal. A mechanical engineer from IIT Kharagpur, he joined the IRS but was never really interested in a bureaucratic career. Soon, he too helped found an NGO and got increasingly involved in its activities. His superiors were fed up with his playing hooky,

and pulled him up a number of times. However, his involvement with the NGO won him the Magsaysay award and he was soon done with ‘file-pushing.’ However, he too cut moral and legal corners, resigning from government service without fulfilling the commitment to serve at least three years after the conclusion of his two-year paid study leave. He blamed the UPA bosses for penalizing him for his role in the Anna Hazare anti-corruption campaign. But the truth is that he was legally committed to reimburse the government for resigning before three years. Eventually, pay he did but,

INSIDE STORY Virendra Kapoor according to him, the money came from his well-wishers and not from his own pocket. That would be the first of many times he would use others to pick up his bills. Not unlike other run-of-the-mill politicians, Kejriwal, the self-styled anti-corruption messiah, too seems to believe that being in the business of public service entitles him to source funds for his private use from his ‘friends and well-wishers.’ That was how he had continued to occupy for more than a year the chief minister’s bungalow though he was entitled to it for ‘49 days’ plus one month. Again, on his own admission, he relied on unnamed friends to pay the market rent for the said bungalow. A strong sense of self-denial and self-respect alone could have dissuaded him against accepting such financial bail-outs from nameless others. Indeed, he had almost cut another underhand deal for staying in the

Logic of Spirituality C

HARMS of technology have enthralled the public almost as a danseuse will. If we carefully look back on the history of the world, it is clear we are the saddest generation of humanity. But why? The caveman had his laughter and was happy. The modern days of rat race show improvements only on the outside

MATTER & SPIRIT surface. In the absence of a set of values for ourselves how can there be happiness for human living? The over-development of one cell to the exclusion of others is called cancer in medical terms. The faster development of one facet of civilization irrespective of the other facets is the cancer of modern times. Instincts and impulses rule us. Each one of us is honestly searching for happiness in the wrong direction. Desire after desire is what makes us unhappy. What is the purpose of existence? There is an infinite variety in nature. Who created this variety? Why? Such questions do not arise in the animal mind. Question, Enquiry, Discovery – this should be our style of living. Everything is conditioned by Time and Space. BMI is constantly changing. So is FET. At our present level of evolution man cannot observe the world objectively. Einstein him-

self despaired because of two changing factors. ‘Jagat’, the universe, itself comes from the root word which means change or flux. So to the question ‘What is unchanging?’ you cannot answer from your experience. Only the Rishis can. There exists something which does not change. Who is knowing that everything is changing? When you watch the roadside traffic, you are the Subject; everything else is the Object. Is there not in you a centre which is observing, knowing and becoming conscious of all changes? Therefore you must be the changeless. There exists something in you which is changeless – in your BMI. This subjective essence in me is changeless, because it is not conditioned by space and time. This immortal essence, essential ‘I’ in my true nature, is the pure Consciousness, Light or Awareness. All our experiences are dancing about because of this. They are all shining because of this Awareness. That which you are not aware of does not exist. That there exists such an essential Reality is the theme of all scriptures. There exists something higher in every one of us. It is called Brahman. That is not a thing in itself. It is represented by AUM. It stands for the changeless centre from which one picks up all his conscious experiences. — Swami Chinmayananda

tony Civil Lines area until one of the owners of the disputed property objected. However, between Kejriwal and Bedi, the former is better placed to run his party very much the way he wants. Kejriwal is the public face, the sole leader, indeed the lone arbiter of the AAP. Period. All others must play second fiddle to him. For evidence, notice the numerous axed-AAP ‘leaders’. One of them, namely, Shazia Ilmi, has promised to ‘expose’ AAP. Voters in Delhi are waiting with bated breath to know what Ms.Ilmi, once the most vociferous voice of AAP, has to say about our tin-pot crusader Kejriwal. As for Bedi in her new role as a card-carrying BJP leader, well, she will have to curb her tendency to play the prima donna. BJP is an old and established party with a formal organizational structure. It certainly does not take kindly to anyone who might want to play the lone ranger. As against the family-owned parties, the BJP does things after considerable deliberation. Individuals suffused with their own sense of importance have invariably come to grief in the BJP. Therefore, Bedi will have to curb her ‘command and control’ tendencies and try and become a team player. Name recognition gives her an advantage alright but it does not give her the license to lord over her colleagues. Yes, Kejriwal is the chief ministerial candidate of the party founded and being controlled fully by him. So far, the BJP has not named anyone as its chief ministerial candidate. That should be fine with her, unless she wants to ruffle feathers in the party. Her being in the BJP has certainly added an extra zing to the party’s campaign. Voters have got a ‘face’ to identify the Delhi BJP with when it comes to countering the relentless Kejriwal media onslaught. Meanwhile, Bedi should try and counter tall claims about stupendous achievements claimed by Kejriwal during those tumultuous 49 days as a novice CM. He lies when he says there were no raids on traders during those 49 days; lies about Delhi becoming corruption-free. Is truthful when he tells a meeting of traders that he too is a Bania, but then exposes his own opportunistic streak. Admittedly, there is a lot of artifice in the public personas of Bedi and Kejriwal. Both rode the Anna Hazare bandwagon to acquire for themselves larger than life images. Voters in Delhi are set to choose one of them a winner on February 7. On balance, Bedi seems to be on the winning side.

Trouble for ‘Raj Jyotshi’

EPORTS from Sri Lanka speak of the sorry plight of the astrologer of the defeated Sri Lankan President Mahinda Rajapaksa. His resident astrologer, Sumanadasa Abeygunawardena, it is reported, had pushed Rajapaksa to advance the poll by two years, insisting that he was bound to win. But Rajapaksa lost. And his full fury has fallen on his astrologer. Rajapaksa has evicted Abeygunawardena from the bungalow he had gifted him for keeps, taken back the car which too was placed full-time at his disposal, and, before resigning as president, dismissed him from the board of a state-run bank. Now, Rajapaksa’s anger against his astrologer is understandable, especially when he had led him to his electoral doom. But, by the same logic, is it not incumbent on the successor regime to come to the aid of Abeygunawaradena? After all, if he did Rajapaksa a great disservice, he did Maithripala Sirisena a great favour by dint of which he is now the President of Sri Lanka. Should not Sirisena, then, come to the rescue of Abeygunawaradena, who till the morning of January 8 was the undisputed ‘Raj Jyotshi’ of Sri Lanka?

Afternoon Despatch & Courier

MUMBAI | MONDAY, JANUARY 19, 2015

Since the announcement of the polls to the Delhi Assembly, hectic rounds of discussion are underway in the media about its likely outcome. However, a couple of possibilities cannot be altogether ruled out: both the BJP and the AAP have strong pockets of influence in the middle class localities. If this category of voters gets almost equally divided amongst the two, the Congress, with good backing from Dalits and minorities, can play the role of a king maker in case of a re-emergence of an hung House, or if the secular vote splits vertically between the Congress and the AAP, the Saffron Party will have a cake walk with a majority of its own. — Arun Malankar, Santacruz

This has reference to your front page story 'Kiran Bedi: PM Modi's choice for Delhi CM' (ADC, Jan 16). The high profile induction of Kiran Bedi – by no less than the

Pointing fingers

Opportunistic politicians

PARTY JUMPING: Kiran Bedi, former IPS officer, recently joined the BJP after being a part of the Arvind Kejriwal led-AAP for some time. PM and BJP president – into the BJP should come as no surprise to those who have been watching television debates over the past several months. The one time tell-

a Dalit. However, the Behenji seems to have found nothing wrong in a farce enacted by the crown prince of the Congress party in the state of Maharashtra a couple of years ago. — Vineet Phadtare, Borivali

— Probir Kumar Bose, New Panvel

BSP chief Mayawati

Stop it

Need for change

While the gunning down of journalists belonging to the French satirical weekly 'Charlie Hebdo' is unforgivable, the present behaviour of the magazine who have come out with more provocative cartoons on the holy prophet of Islam is abhorable. Freedom of expression which plays with the sentiments of people and hurts them should be discouraged as it only adds more trouble to an already troubled world fighting terror of different kinds. The magazine should concentrate on more burning issues plaguing our world and avoid ridiculing various religious beliefs. The pen should be used to unite and not divide.

Maharashtra is the only state where if you consume alcohol you will have to obtain a permit and which states that one is consuming the substance for reasons beneficial to his health. The outdated and outmodeled system needs to be reviewed and a new system just the like one in other states needs to be followed. This is a classic case of fudging facts, as the permit says that the alcohol is consumed on health grounds. The demand of the City Hotels and restaurants in requesting the scrapping of the old system of permit is a right thinking in this modern world. Patrons have denounced permit system, calling it obsolete. For the permit system in — Altaf H Ladiwala, Bandra force, the hotels needs to get a certificate from the police. The demand of the Indian Hotels and Restaurants Association (AHAR) apThe state government had intro- pears reasonable and needs a reduced an anti-spitting Bill in the last look at the state level. The Bombay Budget session. This is a welcome Prohibition Act 1949 states that permit holder can possess and transport 12 units of liquor. Even the legal age for alcohol consumption is We are Indians, firstly and lastly. 25 years. Anyone caught violating — B R Ambedkar these conditions could face punishment up to five years and a fine off

No spitting

QUOTE:

were clearly questionable. During her sojourn as a senior member of the Aam Aadmi Party (AAP), she heartily endorsed Arvind Kejrival's assertion that the AAP was formed to provide a positive alternative to business-as-usual political parties, which presumably included the BJP. She has now deftly executed a 180 degree turn without any qualms. It just goes to show that the lure of political power is so formidable that it supersedes beliefs and principals held over decades. — Firoze Hirjikaka, Colaba

move by the government. Spitting on the streets is simply not civilized. It’s a foul habit that frankly has no place in the modern society and it is right that those nasty individuals who think they can get away with think again. Why some people feel the need to launch their bodily fluids on the paths and pavements every one also uses is quite beyond me. Spitting in public places is a sickening sight that most of us witness every day, every where – on roads, in parks, in offices , in residential apartments. The worst part is that people are not apologetic about it. They think that it is their right to spit wherever they wish. As per research, spit can be a potential killer. Tobacco chewers who like to paint public spaces red with their spittle are considered a serious threat in this regard. This is a deeprooted habit of millions of people. The state government should take a major step against anti-spitting and strongly implement the law across the state.

BSP chief Mayavati has reportedly criticised the sharing of lunch by Prime Minister Narendra Modi with

LETTERS

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it-like-it-is crusader has been exceptionally mellow where the BJP was concerned. She has refused to utter one word of criticism, even when some of the BJP's actions

Former top cop Kiran Bedi joining the BJP was expected but Jaya Prada crossing side from the Samajwadi camp was a surprise. Everybody wants to be with the ruling party and the Modi wave which currently is sweeping our nation is forcing many leaders from the opposition to cross over to the BJP at every opportunity

coming their way. This is opportunistic politics at its very best with very low morale ground as these very leaders were opposing Modi and his party not very long ago. People in politics are hungry for power and nobody wants to be in the opposition which is bad for Indian politics. We also need a strong opposition to keep the party in power on their toes if they falter in their duties. BJP should put Kiran Bedi against Kejriwal in the Delhi polls and let people of the city decide the credentials of both the leaders. People too should weigh the worth of candidates and not just vote on Modi euphoria as now the leaders should be judged by their performance and not just on the Modi wave. Our Prime Minister Narendra Modi is a man of vision and he should just not let anybody join the party just to be in power but make them work at grassroot levels before they are entrusted with any responsibility. — S N Kabra, Goregaon

of the citizen is always welcome. cated concrete tiles above which an Six-lane elevated roads can become asphalt road is constructed and yet a reality when they are financed another method is digging vertical from traffic violation fines, confis- lines into the ground before concated black/unaccounted money structing an asphalt road and when etc but it would definitely be better a road develops potholes the entire if there are a separate set of roads, effected stretch must be fully re— C K Subramaniam, Sanpada highways, flyovers, sea-links, un- constucted with the help of any one derpasses etc for vehicles entering of these methods for it to last for a and exiting the city and this is only long time. possible if they are well constructed Thus with the help of good roads The Union government has agreed, and maintained. Hot-rolling is one travel time will be reduced. Rail sys“in letter and spirit”, to implement such method, another is a concrete tems too can be greatly improved. — Peter Castellino, Nepean Sea Road the Supreme Court direction and road constructed using pre-fabrithe Election Commission’s recommendation to allow Non-Resident Indians to vote from overseas through postal ballots. Given the large NRI community dispersed globally, this move will undoubtedly have an impact on the country’s electoral politics in significant ways. Parliament passed the Representation of the People (Amendment) Act in 2010 to introduce Section 20A that enables a person who is a citizen of India, and is away from her ordinary residence in India for employment, education or other reasons, to be eligible to be registered as a voter in the constituency mentioned in her Indian passport: before that amendment, only 'ordinary residents' could cast their vote. Although the 2010 amendment intended to include NRI participation in national politics, Section 20A had required NRIs to be HAPPY REPUBLIC DAY: India, which became a republic on January 26, physically present in their respec1950, celebrated this day every year as its Republic Day, with a huge parade at tive constituencies at the time of Delhi's Rajpat. elections. Making it impractical for voters, this requirement defeated On January 26, 2015, India will independence and republic, it is the intention of the legislature. A complete around 65 years as a one of the most corrupted and petition was filed in the Supreme republican country. But the land polluted nations in the world. Court praying that Section 20A of of milk and honey has today Unemployment is at an all-time the Act be read down so as to allow turned out into a democracy of high. NRIs to vote from abroad without corruption and scams. CorrupMajority of the states in India having to be present in India. The tion has reached the highest today are fighting among thempetition argued that the provision level even after Narendra Modi selves and people, irrespective was in violation of Article 14 of the becoming the Prime Minister of of caste, creed, colour and reliConstitution to the extent that it imthe country. gion are being persecuted for no pliedly treated persons on a differPrices of all commodities, infault of theirs, while the minisent footing based on economic cluding that of food grains, LPG ters and the politicians are misclassifications. The Supreme Court (liquid petroleum gas), bus using the common’s man and the government agreed with fares, train fares, auto-rickshaw hard-earned money which they this contention without hesitation. — Bhagwan Thadani, Pune and taxi have sky-rocketed. As a contribute to the nation in the result of this inflation, the com- form of professional tax, income mon man has to bear the brunt tax etc. Unless and until we rise of the price rise as his/her salary above our differences and petty With reference to Dr V Subradoes not increase in tandem squabbles, India will not bemanyam's letter titled 'Unrealistic with the surging inflation. Alcome a prosperous nation. — Jubel D’Cruz, Dombivili proposals' in the ADC, Jan 13, anythough India has achieved both thing that helps to improve the life Rs 50,000. Both the consumers and the hoteliers have to face action, if found without permits. Restaurants timing should be more flexible on all days. But care should be taken to mention that 'drinking is injurious to health'

NRI vote

TIME TO RISE

Improve transport

Readers are requested to email letters to the editor and add their neighbourhood as well. Please email letters to afternoonletters@gmail.com

Nagpur MRO facility is finally ready for takeoff

Afternoon Despatch & Courier

CITY

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MUMBAI | MONDAY, JANUARY 19, 2015

fter many years of delay, aircraft major Boeing is expected to handover the muchawaited maintenance, repair and overhaul (MRO) facility at Mihan SEZ in Nagpur to national carrier Air India by March, according to a state government official. "The construction of entire infrastructure, including the 1.8-kmlong taxi-way and the MRO facility is completed. We expect the handing-over procedure to be completed by March," Maharashtra Airport Development Company General Manager for Marketing S Sitarasu told PTI. Sitarasu said the USD 100-million MRO facility should start commercial operations by early April, if the handing over process gets completed by March. The Nagpur MRO facility, fully built by Boeing and is spread over 50 acres, is the offshoot of an agreement between Air India and Boeing following the massive Dreamliner orders the national carrier had placed with the US company in 2006. So far the project, which is expected to be a revenue churner for the loss-making national carrier, has missed several deadlines due to land acquisition and regulatory issues. Its previous deadline was March 2013. Last time, it got for delayed as the

NOW â&#x20AC;&#x2DC;MAKE IN INDIAâ&#x20AC;&#x2122;... US aircraft maker Boeing is epected to handover the Maintenance, Repair and Overhaul (MRO) facility at Mihan SEZ in Nagpur to Air India by March. MADC had failed to complete the construction of the 1.8-km long taxi way, which will link the airport with the MRO facility. Touted as one of the most modern MRO facilities in the subcontinent, the MRO will service aircraft such as B-737s, B-777s and the Dreamliners of both domestic as well as international carriers. Air India, however, will be able to use the facility for free as part of Boeing's offset obligations. Also, the facility will have two wide-body hangars and a GE90/GenX engine overhaul shop. The national carrier had, last year,

hived off its MRO unit into a separate business entity, Air India Engineering Services and placed around 7,400 of its workforce under it. Besides undertaking the in-house maintenance, repair and overhaul of the Boeing aircraft, the MRO facility will also fetch business from third-parties to make the subsidiary viable. The total Indian MRO market currently stands at $800 million, which is expected to touch $2.5 billion mark by 2020. Air India expects to clock around Rs.500 crore revenue from its MRO business in the first year of PTI

FOR A CAUSE... Ghazal maestros Anup Jalota and Talat Aziz take part in a cleanliness drive as part of Swachh Bharat Abhiyan, at Dadar Chowpaty, on Sunday.

operations. With the growth of domestic and international traffic in and around the Asia region, the airline was

hopeful of ramping it (revenue) up to Rs 750 crore in 2015-16, a senior Air India official had said recently.

Act, filed his reply turning down all the claims of the complainant. The complaint had been filed in October 2011, whereas the administrator had been appointed in March that year. The credit society administrator argued that since the complaint was filed after he took charge of the troubled society, he was not liable to pay the maturity amount. "The deposits made by the complainant pertained to the period prior to his appointment as administrator, hence, the claims made by the complainant do not relate to him," the administrator said. It was further stated that the administrator does not have an authority to take policy decisions on such issues. However, the forum in its order said, "It appears from the available records that the complainant was denied his accumulated sum right from September 3, 2010, due to acute financial shortage of the opposite party, occurred due to fraudulent acts of the members of the managing body, which ultimately resulted in to the appointment of administrator to run its operations." But the administrator is legally bound to discharge his functions in relations to the complainant's present claim also, it further said. "The legitimate claim of the complainant requesting to pay the sum under his fixed deposit account and balance at credit in his savings bank account, is denied on irrelevant, irregular and unlawful grounds and contrary to mutual contract," the forum noted in its order.

Credit society told to pay `1L compensation to depositor

he Thane District Consumer Complaint Reddressal Forum has directed a cooperative credit society to pay a compensation of Rs 1 lakh to its account holder, besides returning his matured fixed deposits. The credit society, which is facing financial issues, had argued that since an administrator had been appointed to run its operations, it is not liable to return the deposits of the account holder. However, the forum president M.Y. Mankar, in his order passed recently observed that the society is bound to pay back the fixed deposit along with interest irrespective of whether an administrator has been appointed or not, reports PTI. The case relates to one Arun Ganpat Karale, a resident of Yashodhan Nagar in Thane, who had kept his money in the fixed deposit scheme of the Sukh Shanti Co-operative Credit Society Ltd in 2008-09. Upon maturity, he was liable to get Rs 1,11,375, including the principal amount. He had also kept Rs 28,404 in the savings account of the society. However, when he went to claim it, the society refused to pay anything to him. Karale then approached the forum stating that despite his repeated requests, the credit society had refused to pay Rs 1,39,779. The complainant then sought a refund of the amount with 18 per cent interest, totaling to Rs 1,94,184, besides a compensation of Rs 25,000 and cost of complaint of Rs 15,000. However, the administrator, appointed under Section 78 of the Maharashtra Co operative Societies

A CASE FOR REDUCING TAXES

TO INCREASE COLLECTION pg15 Growing Comfort With Rising Rupee... pg16 Art Insurance For The Connoisseurs

pg17 How Women Can Succeed In Business pg20 Buy LIC Hsg Fin, Colgate & Indiabulls Hsg Fin

Afternoon Despatch & Courier

MUMBAI | MONDAY, JANUARY 19, 2015

As the budget nears many views and much advise for the government floods social platforms; some good, some impractical. But in-between there are sound hypothesis from a few intellectuals that merit consideration. Perhaps, Finance Minister Arun Jaitley will find some wisdom in the case, best selling author and Chartered Accountant with a doctorate in taxation Dr. Anil Lamba builds for reducing taxes without sacrificing revenue in gross numbers... Your call Mr Jaitley! The Laffer curve is typically represented as a graph which starts at 0% tax with zero revenue, rises to a maximum rate of revenue at an intermediate rate of taxation, and then falls again to zero revenue at a 100% tax rate. However, the actual existence and shape of the curve is uncertain and disputed.One potential result of the Laffer curve is that increasing tax rates beyond a certain point will be counter-productive for raising further tax revenue

LAFFERâ&#x20AC;&#x2122;S CURVE: Maximum Revenue

Equilibrium Point

Point A

Revenue

irect taxes are an important source of revenue for any nation. Every government faces the dilemma of increasing tax collection and at the same time not upsetting the electorate. Many a government has been known to desist from imposing taxes, revenues from which the country is in dire need of, lest they lose the taxpayers' votes. This is, of course, based on an incorrect premise that to increase tax collection, tax rates must also increase. However the reverse is true. The theory, enunciated by Ibn Khaldun, a 14th century Muslim philosopher,and many years later by the 20th century British economist John Maynard Keynes, and which was illustrated in December 1974 by Arthur Laffer on a paper napkin while having dinner at a restaurant, (now famously called the Laffer Curve) states that tax revenues would be zero if tax rates were either 0% or 100%, and somewhere in between 0% and 100% is a tax rate which maximizes total revenue. The Laffer curve illustrates the concept that taxable income will change in response to changes in the rate of taxation. It postulates that no tax revenue will be raised at the extreme tax rates of 0% and 100% and that there must be at least one rate where tax revenue would be a non-zero maximum.

would cause people not to work as hard or not at all, thereby reducing tax revenue. Eventually, if tax rates reached 100% then all people would choose not to work because everything they earned would go to the government. At a 0% tax rate, the model assumes that no tax revenue is raised. At the extreme of a 100% tax rate, the government theoretically collects zero revenue because taxpayers change their behavior in response to the tax rate: either they have no incentive to work or they find a way to avoid paying taxes. Conversely as tax rates come down, initially tax collection decreas-

es. But as rates are further decreased tax collections actually start rising since there is less incentive to evade and the consequences of not paying appear more severe than the pain of paying. The committee on Direct Tax Reforms appointed in 1991 and headed by Dr Raja Chelliah in its report had strongly recommended sending a clear signal to the population of India that we are entering a low tax regime and that the tax rates will be successively reduced from the existing 60% (in certain cases) to 30%. Dr Manmohan Singh, in his budget for 1992-93, accepted Dr Chelliahâ&#x20AC;&#x2122;s

recommendations in Toto, and started the tax reduction process, which, with a few hiccups, gradually did bring the rates down to the current 30%. Contrary to doomsayers, the tax collection in the country has actually risen, year after year. I think it is time to now take this to the next level. Encouraged by its experience the government should announce a new round of slashing of tax rates and a simultaneous withdrawal of exemptions to bring down the highest rate to maybe 15% over the next 3 to 5 years.

Point B

Tax Rates

100%

The curve suggests that, as taxes increase from low levels, tax revenue collected by the government also increases. It also shows that tax rates increasing after a certain point

GOVERNMENT INVITES BUDGET SUGGESTIONS

Setting a fine precedent and perhaps the first of its kind of general public involvement, the government has invited suggestions from citizens to participate in the budget making exercise. Says a PIB press release â&#x20AC;&#x153; In order to infuse more transparency into Budget making exercise and to have people as partners to the process of budget making, the Ministry of Finance, Government of India has decided to invite suggestions from public at large for Union Budget 2015-16. Those desirous of sending suggestions for Budget 2015-16, may send their Budget suggestions at the following e-mail addresses: budsugg.1516@gov.in and/or rajat.bhargava@nic.inâ&#x20AC;?

! ! " # $%&' () * + $%&' , - . " # / ! 0 1 - / / 2

Dr Anil Lamba can be contacted at anil@lamconschool.com

Mobile Trends Telecom Vendors Need To Watch In 2015 Afternoon Despatch & Courier

By Manish Maheshwari, Co-Founder & MD, txtWeb

he proliferation of the Internet has been rapid in India, but it is nowhere near the fast pace of mobile growth in the country. In 2014, the mobile user base grew at a steady 8% and was expected to reach 815 million users by the end of the year. India has proved to be a Mobile- first country where a majority of users get their first taste of the Internet through their mobiles. It then becomes of extreme importance that brands and telecom vendors understand the new mobile economy and leverage new developments to engage with the new always connected customer. Let’s take a look at the key trends that will define the Mobile Ecosystem in 2015. Payments: A significant percentage of the youth in India, a target demographic for many companies lie outside the traditional methods of payments. While they might not have a credit/debit card or even a bank account, there is one device they all have or have access to – the mobile phone. Mobile gives vendors the unprecedented opportunity of capitalizing on this untapped purchasing power. In 2015, MCommerce is set to grow exponentially and companies that have mobile friendly or mobile customized payment solutions are the ones who will reap the benefits. Those who take it to the next level, by setting up customer loyalty programs and engagement strategies will be at the forefront of the M-commerce revolution. Engagement & Micro-moments: The consumer in 2015 is one that is always connected to his or her mobile. Vendors and companies need to move beyond the point of purchase to engage the consumer on a regular basis. Features like geo-tagging and geo-fencing allows them to pinpoint the exact location of

« GUEST COLUMN the user and then, push the most relevant content towards them. It is paramount that brands create a seamless mobile experience for users and deliver “Micro-moments”. These moments consist of brief engagements where vendors grab consumer attention and anticipate/address their needs. Personalization: In today’s world, most companies witness an alignment of product, marketing and technology. But the customer needs to be at the centre of this trio. Vendors will need to personalize their experience based on consumer behavior. Here data will play an essential role in allowing vendors to know their customer, create customized experience thereby keeping the customer happy and retaining their business. The key is to talk to the consumer rather than “talking at” them. Personalization paired with excellent customer service will be a major driver to improve customer relations and the overall bottom line of

any business. India presents an interesting scenario as a majority of “unconnected” users remain in rural areas. By June 2015, Mobile Internet users in urban areas will continue to grow to 160 million but in rural India, it will reach under half that number with 53 million users. The concern of the day is to boost this figure drastically to reach the remaining 800 million mobile users. To achieve this, the content provided to these users needs to be customized to suit their interests and requirements, which can be attempted in the following ways: Digitize offline local content. Think about the early days of internet when newspapers and magazines made scanned copied of their printed version available on their website instead of creating original content for online users. This would be a temporary stop-gap arrangement. Translate current online content into relevant local language. While the process of pure translation can be automated, but making the content relevant is difficult because the offline population is very different from those online. Create new locally relevant content in a scalable way. An ideal long-term solution would be democratizing creation so that anyone with any mobile device can create relevant local content for his or her family, community and village with little or no coding knowledge. To expand their market share and revenues, Telecom vendors will need to provide users with locally relevant mobile content as valueads in order to maximize the profits of the mobile revolution. They will also need to device strategies and form key partnerships in 2015 to ensure that the customer remains central to their growth strategy.

Maharashtra Will Be Most Preferred State Says CM

By A Business Reporter

he three months old BJP led Maharashtra government has worked out a multi pronged strategy which will not only push up the industrial growth of the state but pull back the Maharashtra on the top of “Most Preferred Investment Destination”, said Devendra Fadnavis, Chief Minister of Maharashtra at the Maharashtra Economic Development Summit held last Friday. The state government is working on agenda for pushing the growth rate which have gone down in last 15 years. “We will create the required infrastructures including 72 KM of Metro Tracks, Panvel elevated rail project, and technology based institutions and decentralize the authorities” added Fadnavis. The Maharashtra government will also remove the human interferences which will ultimately reduce the red-tapism, he said. The CM also presented the various awards, released Knowledge Report and announced the NRI Business Summit to be held on 1112 Jan 2016. He awarded the SME Chamber of India's citation and an award to Avinash Gupta, Founder and CEO of bookmycab.com for constant innovation in technology for improving productivity and efficiency of public and private taxis in India. Receiving the award Avinash Gupta, Founder & CEO, Bookmycab.com, said, “I am greatly honoured and humbled by receiving this recognition. Innovation has

MUMBAI | MONDAY, JANUARY 19, 2015

« CORPORATE UPDATE

BSE ANNOUNCES METHODOLOGY CHANGE IN BANKING INDEX

S&P BSE BANKEX index is designed to represent the “Banking Sector” stocks of the broad based S&P BSE 500 index. At present the index follows float adjusted market capitalization methodology. Effective at the open of January 27, 2015, the index will follow modified market capitalization methodology, capping maximum weight of constituents to 22% at each rebalance.

INDIAN CERAMICS 2015 EXHIBITION FROM 21ST 23RD JANUARY

Indian Ceramics 2015, entering into its 10th Edition is the leading trade fair for equipment and supplies for the ceramics industry. The event is scheduled to take place from 21st 23rd January 2015 in Ahmedabad at the Gujarat University Exhibition Centre. The exhibition covers entire spectrum of ceramic industry, from classic ceramics to raw materials and technical ceramics. With around 170 national and international exhibitors and 5000 visitors from India and other parts of the world. The event has received support from Associations like, All India Brick & Tiles Manufacturers Federation. All India Pottery Manufacturers' association (AIPMA), Indian Council Of Ceramic Tiles And Sanitaryware (ICCTAS), Federation of Ceramic Industries Panchal Ceramics Association Vikas Trust, Indian Refractory Makers Association, Central Glass & Ceramic Research Institute (CGCRI) to name a few. As a curtain-raiser, MMI India, the organizers of Indian Ceramics along with German Engineering Federation (VDMA) organized a roadshow for the Ceramic Materials, Machinery and Supplies Industry in Jaipur which catered to the relevant audience.

KENYA RE-ASSURES A LIFETIME EXPERIENCE FOR INDIAN TOURISTS

Kenya Tourism Board has re-assured the Indian travellers that travelling to the country is safe following concerns over safety and Ebola. The Kenyan government is taking adequate precautionary measures and there is no restriction to travel to Kenya’s popular tourist destinations like the Maasai Mara, Amboseli, Lake Nakuru, Tsavo, Samburu, Mount Kenya and Malindi at the coast. Kenya offers breath taking sceneries, a magnificent range of captivating wild animals, an array of culture, exquisite cuisine and beautiful people. During January-September period, 42,910 Indian tourists travelled to Kenya in the first nine months of the year 2014. India still stands strong and is the biggest market in Asia for Kenya. India is currently the 5th largest source market which is expected to rise and become one of the top three by 2018.. Kenya is coming up with various promotions and activities to highlight the destination in India and attract the ardent travelers wanting to be up close with nature and wildlife. Kenya

CMAI TO LOAD INFORMATION OF PAYMENT DEFAULTERS LIST ON WEBSITE

<<Devendra Fadnavis, Chief Minister of Maharashtra presenting the award to Gupta been core to my entrepreneurial vision and this recognition today strengthens my resolve to continue to strive for innovative solutions for larger public good and betterment of human life.” The CM Summit jointly organized by the Maharashtra Industrial and Economic

Development Association (MIEDA), Government of Maharashtra, India-Japan SME Business Council, India International Trade Centre (IITC-INDIA), India-China Business Council, Packaging Industry Association of India, India-GCC SME Business Council and SME Chamber of India.

The Clothing Manufacturers Association of India (CMAI) will create a Website for default payment, which will be operative from 15th February 2015. In addition, CMAI will start a Mobile App from which information on defaulters can be seen with a flick of a button. In the Interactive meeting called by CMAI last week, had taken a serious view on defaulting retailers and has assured the members that a system is being put in place in order to settle the outstanding payment which may amount to over Rs. 1200 to 1500 crores.

Growing Comfort With Rising Rupee Will Embolden The Speculators Afternoon Despatch & Courier

ANINDYA BANERJEE Currency Derivatives Researcher, Kotak Securities

« FOREX

s Vladimir Ilyich Lenin once said, “there are decades where nothing happens; and there are weeks where decades happen.” Truly, in global financial markets and in back home, we were witness to some interesting chess board moves from some leading central bankers. Indian markets got a shot in the arm, as Dr. Rajan obliged with a 25 bps reduction in the key lending and borrowing rates of the central bank. On the other hand, Swiss National bank triggered a “black swan” event by deciding to drop the peg on the EUR/CHF. Indian Rupee yo-yoed but closed the week on a very strong note, below 62 handle. Offshore centers continued to dictate the trend and as usual, onshore remained a price taker. Interestingly, over the last many years, Indian financial markets have seen parallel offshore centers usurp the role of price discovery in Rupee denominated financial assets. Though global trading of our local assets is a natural offshoot of an interconnected financial market but there needs to an introspection as to why we are surrendering the role of prices making to offshore centers. The answer could be in the regulatory set-up, some of which may be avoidable and changeable and some unavoidable. Infact, the decision to announce a change in monetary policy just 30/45 minutes before the opening bell in India might have had an unintended effect of augmenting the participation in and importance of offshore FX, interest rates and equity markets. It was not so much a surprise to see RBI reduce rates, as the central bank governor had alluded in his speech during the monetary policy in December that, mid-policy moves in rates can occur and also they can happen during early part of new-year. Market driven interest rates were

MUMBAI | MONDAY, JANUARY 19, 2015

already trading quite a distance below the RBI’s repo floor at 8%. Offshore traders, in their eagerness to own Indian debt paper, were leaving no stones unturned to get a seat into the lower rate cycle in India. We through our research pieces had highlighted the strong deflationary forces driving India’s bull market. India, along with the world is in midst of a deflationary to dis-inflationary cycle coupled with little or no growth. Whatever inflationary boom is being seen is happening in financial assets, where promise of more and more monetary stimulus is repressing financial volatility and thereby underwriting the ongoing bull market in it. Indian government is taking steps to kick start the investment cycle by building necessary infrastructure. India’s focus on investment cycle lead growth over consumption lead growth, which the country followed during 2009 to 2013, is dis-inflationary in nature, as it augment supply more than demand. Demand benefits from the multiplier effect but inflation can remain benign for long. Globally strong deflationary impulse is flowing from processed goods and services exporters like China, Europe and also from raw material or commodity producers like oil producing nations and commodity producing nations. Deflation has become a public enemy number one for central banks in the developed west. The reason is that an economy driven by large amounts of public and private debt cannot sustain a deflationary environment. In deflation, the obligation to service debt remains constant whereas the source of income to service it falls in nominal terms. Hence, it has become a Sisyphean Task inflate an economy so that debt burden can remain serviceable. We need to keep a close eye on China, where massive amounts of leverage in the economy is now facing strong deflationary forces. China is trying the old trick of the western central bankers, of more monetary stimulus and interest rate reduction. However, for China such a monetary stimulus can further aggravate the dis inflationary pressures as excess production capacity and debt is further augment to even unserviceable level. At the same time, lower interest income can reduce income and suppress consumption.

Turning our attention back to India’s macro numbers, we see a mixed performance on merchandise trade in December. Indian merchandise exports contracted by 3.8% month on month in December at USD 25.4 billion and also de-grew 2.1% on a year on year basis. Imports in December also fell 4.8% to USD 34.8 bn, compared to USD 36.6 bn in the corresponding period of a year earlier. On a year on year comparison, imports dropped by 18.7%, thanks to the collapse in commodity prices. As a result, after quite a while, the trade deficit narrowed in December, to USD 9.4 bn, lowest in the current financial year, from USD 10.2 bn in December 2013. It had been as high as USD 16.9 bn in November. December trade deficit number is now below the annual run rate of USD 11.42 billion. Petroleum product exports plunged 21.2% at USD 3.8 bn in December against USD 4.9 bn. All in all, we see the trend of lower trade deficit continuing as India gets the benefit of lower oil prices. However, export growth needs to pickup if the quality of CAD has to improve. In global economy all the discussions were hijacked by the Swiss National Bank, who decided to drop the 1.2 floor under the Euro/Swiss Franc. The Swiss National Bank shocked the financial markets on Thursday by scrapping a three-year-old cap on the franc, sending the currency soaring against the all currencies and Swiss stocks plunging on fears for the export-reliant Swiss economy. With more than 40 percent of Swiss exports going to the euro zone, firms across Switzerland warned of a plunge in profits, with the luxury and tourism industries most exposed. At the same time, a 30/35% rise in Swiss Franc in few seconds triggered margin called related losses across the FX market. There were widespread reports of retail FX brokers being crippled by client losses and

also a few bank treasuries taking a knock. Equity markets outside Switzerland took the news on stride, as traders were much more glued to the expected QE from the ECB next Thursday. There are now talk of a trillion or more Euros of asset purchase program to be announced by ECB. Under the program ECB could announce that respective national central banks would purchase their own governments debt. The program could in the footsteps of an already existing program called emergency liquidity assistance (ELA). In such a program "any costs of, and the risks arising from, the provision of ELA are incurred by the relevant National Central Bank, such as the Bank of Spain for example. In such structure, each NCB would buy some prescribed amount of its nation's government bonds and assume all the risk of these purchases. Thus the Bank of Spain, not the ECB, would assume all the risk for Spanish government bonds it purchases via this program. At the same time, ECB might not buy the government debt of Greek Government as its rating remains too low. Over the next week, key events to watch for would be the ECB meeting as well as PMI data from Euro zone and other major economies. UK economy would also report its December employment data, China will release its Q4 GDP estimate and IMF will release its World Economic Outlook updates. There are no major economic release from India. India rupee has become one of top performing currencies in 2015, appreciating rapidly against almost all currencies. The sharp rise in Rupee will have adverse impact on the export of goods and services. However, there is little that the central bank can do in an interconnected global

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economy. Dr. Rajan has warned a number of times in recent past, that divergent trends in monetary policies in the world, as well as extremely low riskreward opportunities, can trigger a flood of capital to destinations like India. Under such circumstances speculative euphoria can distort currencies and local asset prices. India is seeing an boom in inflows into local debt and equity markets, where investors are willing to sacrifice prudent and necessary risk over momentum. It is the promise of greater and strong economic returns which is compelling investors to pay a bigger and bigger premium to take part in the boat ride. The momentum train can very well continue atleast till the Union Budget, unless cut short by a phase of massive risk aversion in global markets. Indian Rupee can continue to benefit from this influx of foreign currency into the country. From here on the extent of appreciation in Rupee would depend on where and how aggressively RBI draws the line under the pair. Speculators like to follow the path of least resistance when making money in asset classes and therefore they do not like to take on central banks, especially when the latter is on a strong wicket. Offshore speculators would be eager to buy the Rupee till the point where RBI comes in heavily and defends. Till now RBI has not shown much resolve in drawing a hard line under the USD/INR pair, which means that speculators will take it as sign that the central bank is comfortable with a rising Rupee. This is happening at a time when one central banker has already surrendered (SNB) to the market forces due to the expectation of overwhelming amount of ECB QE related flows. Will now the Indian central bank too take a back seat and allow the speculators to hammer the Rupee higher? We will have the answer this week. Technically, USD/INR has broken through a key trendline support around 62.30/40 and is now holding above another key technical congestion zone of 61.50/75 region. Incase of a sustained trading below 61.50, it can open up possibilities of 60.90/80 and below that around 60.40/20 region. On the way up, the pair needs to clear 62.30/40 to bring the USD bulls back in the game.

Beauty questions, how to tell if your softener is giving you a rash and much more

CURRENT BULL MARKET IS STRUCTURAL

Afternoon Despatch & Courier

Currently Head of Technical Analysis Research for equities, commodities and currencies, Sahil Kapoor is also the Chief Strategist at the research desk responsible for initiating trading ideas and strategies in equities, derivatives, commodities and currency segment at Edelweiss. He has been instrumental in driving market strategy which provides views on the overall direction of the stock indices and broader markets. An MBA in finance, he in conversation with Dominic Rebello is of the view that the current bull market could last for another 2 to 3 years and expects the Sensex to rise beyond 40000 in that period

Residential Rentals To Stabilise In The City

By Mayura Shanbaug

nlike other cities, Mumbai continues to face a huge affordability challenge. This is resulting in the housing rentals moving upwardly (read 1015% y-o-y) for the last few years. Apart from unaffordability, other factors like relocation of Central Business District (CBD), redevelopment across the city have equally contributed in the movement. But with the easing of EMI pressure with the RBI’s recent rate cuts now and in near future is expected to make affordability little easier. Experts believe that this will eventually stabilize the residential rental market. According to Sandeep Sadh, CEO, Mumbai Property Exchange, certain markets have shown the momentum like Thane, Ghatkopar but hasn't shown real movement in rentals in the recent months. “There are many reasons why rentals were northbound in the city , firstly the prices are really unaffordable for the last many years, secondly relocation of CBD have forced many to shift to the places like Andheri (W), Bandra, Goregaon and Malad in western suburbs and to Navi Mumbai, Thane in central suburbs,” says Sadh. Plus availability of good projects, proximity to good school or malls has become a decision making criterion for many to shift to different location,” he says. With the launch of new projects like Oberoi Realty, Wadhwa group and Lodha's 'The Park' generating good buzz, the sentiments look buoyant with more inventory coming in the market. “People who want to stay in good property and can’t afford to buy it are also going for rentals,” explains Sadh. “A two bedroom flat in the recently launched Oberoi Exquisite is priced around Rs 4 crore whereas if you rent a property in the same project it comes at just Rs 1 lakh per month, which is quite affordable to many,” he explains further. High interest rate for housing loan is another reason why rentals kept on increasing in the last few years feels Yashwant Dalal, President, Estate Agents Association Of India (EAAI). “When someone is paying 10-11% interest to the bank every month and just getting a return of 2.5-3% every month in rentals every month for the investment property, such a person would certainly like to bridge the gap, asking for more rentals y-o-y,” Dalal says. Rentals also depend on the factors like location, projects and amenities available,” he says. A flat in a new tower would obviously cost more than in an old building in the same vicinity,” he adds. However, Dalal

stated that there are around 4500 incomplete projects in the city indicating that the supply side constraints are still there, “but situation seems to be getting better with announcement of many new projects in the city,” he adds. According to Om Ahuja, CEO, Residential Services, JLL India, the common man cannot afford 2 BHK home within 30 minutes’ commuting distance from the CBD. This has become a possibility in cities like Bangalore, Gurgaon and Pune but not Mumbai. “This is resulting in Mumbai losing out big time when compared to other cities,” says Ahuja. As far as real estate prices is concerned says Ahuja, price appreciation in the CBD area will be driven by three critical triggers - residential projects supply, connectivity and infrastructure, and job creation, which is led by commercial space leasing. “The hotspots in this context are Mahalaxmi, Worli, BKC, Andheri, Powai, Chembur, Mulund and Thane. The demand in Lower Parel, Wadala and Borivali-Virar belt is also promising,” he says. Ahuja feels that specific pockets like Bandra (West & East), KalinaSantacruz and Powai will see an uptrend in the residential rental prices. According to Ahuja, other than these zones, which have material impact due to CBD activity, other pockets are currently driven with demand getting generated from redevelopment activity in the city. “The sustainability of this demand is strong and will continue to strengthen in the coming years,” he says. South Mumbai, the oddball... When the rest of Mumbai was fuming with high rentals in the last few years, South Mumbai is witnessing steady decline in the rentals, commercial as well as residential for the very reason it was famous for being the CBD. With businesses and multinational companies opting out of the costly but congested premises of South Mumbai... for the affordable and spacious areas like Bandra, Andheri, and Lower Parel...South Mumbai continues to lose its hold and money. As per Om Ahuja, South Mumbai will continue to facing stress. “Rentals may soften further in this zone, leaving only a few specific pockets like Mahalaxmi and Worli with upward trend,” he says. Echoing similar sentiments but giving different reason, Yashwant Dalal says that the outgoing Congress government has given occupancy certificates to many South Mumbai projects before the elections. “That resulted in fresh supply being available with the dwindling demand,” he says.

How do you pick your trades? Do you use technical analysis, or do you employ fundamental data? I use technical analysis as my primary tools for investments. The most important aspects of my trading are Relative strength, Trend following, Money management and trade analysis. How would you describe your methodology? The methodology is fairly simple. First I define the market trend based on technical analysis of equity, commodity, bonds and currency markets. I make sure that all markets are taken into consideration before a general direction of the market is ascertained (Bullish or Bearish). The second step is to use a broader market index like the Nifty or Sensex and use it as a base to find out which sectors are outperforming/underperforming on a relative basis to these indices. Then stocks which are outperforming the best sectors and underperforming the worst sectors. This activity will give a list of stock to buy and a list of stocks to sell. Using a chosen set of technical analysis and derivative tools I trade these stocks for an optimum time frame. What appeals to you about trading? The short side or the long side? Trading is about being on the right side of the trade. The market offers opportunities on both sides and I look to profit from both the short and long side.

What differentiates you from otherInvestors? The ability to patiently wait for a trade is an important aspect which helps me. Also having a defined set of universe built into my trading methodology is extremely helpful.

Is there any applicable lesson to investing? Patience, conviction and freedom from greed are the most important traits which one should exercise while trading/investing.

How much of what you do is gut felt? Gut feel is a phenomenon which comes into play in two ways. Firstly it could be an inbuilt strength which develops over a period of time of trading/watching and learning the markets. This feel based on instincts may give you an extra level of caution or conviction to trade according to your method. This gut feel is useful and may get developed after decades of experience in the markets.The second gut feel is purely driven by impulse. I refrain from taking a trading decision based on gut feel as it may be counterproductive.

Do you try to anticipate or follow market trends? What is the basis? It is highly profitable to anticipate market trend correctly as it gives you an early entry. I try to gauge market trends based on certain factors: 1. Are two significant market trends together: for example are falling commodity prices leading the bond yields lower 2. If there is a significant correlation and causation between two significant markets then I read the charts for both of these markets and ascertain whether the price action is in sync. If the action is in sync then the other two markets are referred to for any divergence and a final decision in arrived at. When you put money on a trade and it goes against you, how do you decide when you're wrong? What do you do next? Whenever I take a trade I have a set level of stop losses before I

« MARKET WIZARD SAHIL KAPOOR

execute the trade. Therefore if it moves against me I would take a loss and move on. I do not average losing trades. I prefer to increasing positions only if they are making some money.

Do you have a scenario about how the current bullmarket will end? Where do you see the Indian markets five years down the road? The current bull market looks structural and secular. If we see previous bull markets and extrapolate we can expect another 2 to 3 years of price gains. However it will have its share of volatility with large down moves as well. I expect Sensex to rise beyond 40000 in next 2 to 3 years. What makes an investor successful? Having a plan and sticking to it is one aspect. Then to continuously try and improve your strategy with experience and learning adds to this strategy. Being objective and not acting on impulse are also important traits. What is your take on the current market scenario, Indian as well as global? 2014 was an exceptional year for the Indian economy as well as for the capital markets. Last year, we witnessed several transformations, viz: stability of the Indian economy, improvement in the political scenario and increased confidence in the Indian markets. These factors, in conjunction with the favourable global trends, have led to equity markets recording the highest annual returns in the last 5 years. In a nutshell, 2014 has been the year of: Equity markets giving a return of ~32%, the highest in 5 years; Record high FII flows, total

Art Insurance For The Connoisseurs MUKESH KUMAR

Executive Director HDFC ERGO General Insurance.

« INSURANCE

rt Insurance for the Connoisseurs of Art Art has been an integral part of Indian culture, and it is difficult to separate India from the Art. With a number of Art forms close to extinction, the connoisseurs of art are getting more conscious of preservation of whatever remains. Increasing awareness, growing public knowledge, understanding and appreciation of art has resulted in the value of artistic objects growing exponentially in the last few years. Fine Art, Antique Furniture, Musical Instruments, Statues and Sculptures and other important collectibles are increasingly viewed as an asset whose value continues to grow. According to estimates, the Indian art market has grown more than

500% in sales in the last five years. The affluent class, young entrepreneurs, who choose art as an investment opportunity, and an upward trend of the Indian art-work collectors are the key drivers of growth for art market. With rising value of artistic objects such as paintings and antiques, the concept of Art Insurance is gaining traction with the connoisseurs of art, which includes individuals as well as corporates. Also the Art Insurance is a perfect protection product for the trades of art. With huge number of valuable artistic objects, estimates suggest that the value of Art that can be insured in India totals to about US $1 billion. A typical Art Insurance covers the risk like damage during transit, restoration and framing. There are risks associated with handling the piece of art within the premises of a gallery which can also be covered. It extends covers to natural perils, accidental damages and terrorism damage.

A few non-life Insurance majors offer insurance for the Indian connoisseurs of art in form of an Art Insurance Policy, which is designed to meet the needs of Corporate Collectors, Individual Collectors (from the modest enthusiast and first time buyers), Fine Art Dealers, Museums, Antique Dealers and Art Exhibitions. An Art Insurance Policy provides comprehensive protection to the insured property including insured property while in transit within India. The Coverage under a standard Art Insurance policy includes any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded This Policy also covers all Insured property whilst in transit on “wall to wall” basis whilst on premises on display including storage within the territorial limits mentioned in the schedule for the purpose of business or profession. A standard Art Insurance Policy is subject to below inbuilt coverages: New Acquisitions Clause: Up to 25% subject to a certain maximum (typically, up to Rs 50 lakh) Sue and Labour Clause: Up to 10% claim amount Debris Removal Clause: Up to 10% claim amount Premium for an Art Insurance Policy depends upon the factors such as Sum Insured, Type of fine art (antique furniture, musical instruments, statues and sculptures), security measures available at the premises, coverage, geographical limit and the type of collector.

of ~US$42bn net investments in debt & equity combined ; BJP winning 282 Lok Sabha seats in the general elections. This is the first time in 30 years that a single largest party gained majority in the Lok Sabha; Consumer inflation falling to record low of 4.4%, much lower than the peak of 11% in 2013; Crude oil prices falling by 48%, the steepest annual fall since 2008, and the INR depreciating by 2%, the least in last 4 years. Now the big question is: What is in store for India in 2015? Looking ahead to 2015, we have some pertinent questions to pose. Is 2015 going to be a significant year in terms of sustained economic growth? What is in store for equity investors: will markets soar or remain subdued? and Which are the significant changes that we should look forward to in terms of both domestic as well as global factors? To answer these questions, we look at some of the prominent trends that have started playing out in India and study their impact on the domestic economy and various sectors. We have identified the best sectors and stocks to play in 2015 based on these discernible trends. Earnings expectations are soaring; Backed by recovery in domestic growth. The consensus two-year forward EPS estimate for Sensex companies is currently standing at INR2207 for FY17E which implies 23% YoY growth. This is the highest growth in EPS estimates since December 2010. GDP growth has also bottomed out and we have started seeing tell-tale signs of an economic revival. In the past two quarters GDP growth stood at 5.7% and 5.3% respectively, the highest readings since June 2012. A modest pick-up in the domestic investment cycle, coupled with the improved economic sentiment is likely to set the right stage for the growth momentum to continue. With a proactive government at the Centre pushing for GST, “Make in India”, speeding up coal block auctioning process and working towards enhanced ease-of-doing business, we believe that growth trajectory will continue to be upwards. BRICS Divergence, Largest in the last 5 years… In the last five years, emerging markets (EM), especially BRICS, have been moving in tandem. However, in 2014 we saw a vast divergence between the best and worst performing EMs. Indian markets outperformed all other BRICS nations, notching a stellar 31% return in 2014, much higher than the (-)10% average for other 4 BRICS nations. This divergence is mainly due to improvement in India’s macroeconomic scenario vis-a-vis other EMs, besides due to the positive change in the political landscape in India. We believe that the divergence among BRICS nations to continue as global terms of trade are supporting India and favorable demography will lead this country towards a prolonged high and sustainable growth. We continue to remain bullish on the Indian equity markets with a CY15 Nifty target of 9300-9500. This would indicate a 16-17x P/E at FY16 earnings estimate.

FOR AN ADDITIONAL PREMIUM, A STANDARD ART INSURANCE POLICY CAN BE EXTENDED TO COVER:

Defective Title Automatic reinstatement Replacement of Keys and Locks Temporary Storage Costs Exhibitions Coverage

LIKE MOST INSURANCE POLICIES, ART INSURANCE POLICIES ALSO COME WITH CERTAIN EXCLUSIONS. THE KEY EXCLUSIONS ARE:

Loss from unattended vehicles Inventory losses Loss or damage at any Exhibition, unless specifically notified to and agreed by the company in advance Wear and tear, gradual deterioration, inherent vice/ defect, rust or oxidation, moth or vermin, warping or shrinkage Mechanical or electrical faults or breakdown Damage during repairing, restoring, retouching, or any similar process Aridity, humidity, exposure to light or extremes of temperature, unless such loss or damage is caused by storm, frost or fire Willful act of insured and its representative working in collusion with the insured Mysterious disappearance or unexplained loss

MUMBAI | MONDAY, JANUARY 19, 2015

« GUEST COLUMN

Helping Women To Succeed In Business By Krishna Bisht

reation of a civilized and cultured society is possible only when every section of society enjoys equal opportunity to grow. Women constitute nearly half of the population, hence it is imperative to provide them an equal opportunity to succeed in every field. It was a very big challenge for me to change the mindset of women and to make them understand the importance of earning their own livelihood. The daily routine of these women in Almora involves hard labour. A little change in their daily routine and training them in various fields help them different business activities. It takes every second of involvement and sacrifice to nurture your dreams.

<<The author is the recipient of the 22nd IMC Ladies’ Wing Jankidevi Bajaj Puraskar 2014, the IMC Ladies' Wing's initiative to recognize women entrepreneurs for their extraordinary and outstanding entrepreneurial excellence in Rural India. It is focused on discovering and honoring the successive generations of women entrepreneurs who are dedicated to rural upliftment and business entrepreneurship on behalf of her NGO Mahila Haat There exists a plethora of successful business women entrepreneurs both in social and economic fields in India. To be a successful entrepreneur, women need to be mentally strong and be abreast of the socio economic changes in the society. It is always a challenge for women to put forward their ideas at the grass root level and even more challenging to communicate such ideas to people who can help in the growth of the process. For women unable to go to school for any formal education, literacy centers may be started in the village which will help them conveniently and confidently to carry out their day-to-day work along with obtaining education. One of the biggest hurdles for women in the process of nurturing and managing their business is their family. Women have to wear different hats and play multiple roles, hence many a time it becomes difficult for women to prioritize business over family. Women are known to be averse to risk. If you have dreamt of something it needs to be taken seriously by you or else nobody will take it seriously and it will eventually look like a hobby to your friends and family. Being able to speak about your accomplishments honestly and with pride is a necessity for a successful business owner or entrepreneur. It does not matter how little your achievement is, nevertheless it is an achievement and people should know about it. It is also important to be recognized for the kind of work one does. Recognition helps in a moral boost and it also opens avenues for investors to associate with you.

Afternoon Despatch & Courier

Company

ABIRLANUVO ACC ADANIENT ADANIPORTS ADANIPOWER ALBK AMBUJACEM AMTEKAUTO ANDHRABANK APOLLOHOSP APOLLOTYRE ARVIND ASHOKLEY ASIANPAINT AUROPHARMA AXISBANK BAJAJ-AUTO BANKBARODA BANKINDIA BANKNIFTY BATAINDIA BHARATFORG BHARTIARTL BHEL BIOCON BOSCHLTD BPCL CAIRN CANBK CENTURYTEX CESC CIPLA CNXINFRA CNXIT CNXPSE COALINDIA COLPAL CROMPGREAV DABUR DISHTV DIVISLAB DJIA.Jan 16 DLF DRREDDY EICHERMOT ENGINERSIN EXIDEIND FEDERALBNK GAIL GLENMARK GMRINFRA GODREJIND GRASIM HAVELLS HCLTECH HDFC HDFCBANK HDIL HEROMOTOCO HEXAWARE HINDALCO HINDPETRO HINDUNILVR HINDZINC IBREALEST IBULHSGFIN ICICIBANK IDBI IDEA IDFC IFCI IGL INDIACEM INDUSINDBK INFY IOB IOC IRB ITC JINDALSTEL

MUMBAI | MONDAY, JANUARY 19, 2015

F&O SCRIPS WEEKLY SUPPORT AND RESISTANCE LEVELS FOR JANUARY 19 - 23, 2015 Close

1769 1518 502 332 46 128 240 180 93 1188 227 275 61 847 1160 516 2426 1086 299 19288 1435 1023 344 273 431 21481 660 232 454 575 732 650 3085 11679 3568 377 1969 189 253 69 1721 17413 147 3286 15390 227 186 145 425 725 17 316 3653 272 1643 1199 1008 78 2912 218 139 574 945 157 73 562 354 76 152 167 38 468 102 836 2123 60 338 248 361 152

1754 1480 504 331 46 128 236 179 93 1168 225 272 60 839 1162 511 2397 1088 298 19124 1416 998 347 267 426 20912 668 235 450 559 722 644 3085 11623 3568 371 1959 189 246 69 1697 17501 144 3238 15160 228 188 148 426 728 17 305 3581 269 1613 1173 996 75 2934 216 144 578 919 158 70 540 349 75 150 164 37 461 97 827 2107 60 339 242 357 151

1836 1617 544 346 48 136 256 188 100 1241 236 287 65 890 1222 544 2517 1154 315 20075 1499 1096 363 290 448 23127 709 246 483 613 787 669 3085 12012 3568 393 2021 202 271 73 1815 17996 163 3400 15947 238 196 159 443 756 18 338 3914 284 1713 1284 1058 92 3032 226 162 627 1004 167 81 628 371 80 159 181 40 486 119 887 2207 64 353 261 373 162

1918 1754 584 362 51 144 277 197 106 1315 248 301 69 941 1282 577 2637 1221 331 21026 1582 1194 379 313 470 25342 749 258 516 667 853 695 3085 12401 3568 414 2082 214 296 77 1933 18491 182 3562 16734 249 204 170 460 784 20 371 4247 300 1814 1395 1121 110 3130 236 181 677 1088 177 91 715 394 86 168 197 43 511 142 946 2306 67 368 279 389 172

1672 1343 463 316 44 121 215 169 87 1094 214 257 56 788 1102 478 2278 1021 281 18173 1332 899 331 244 405 18697 628 223 417 505 656 618 3085 11234 3568 349 1898 176 221 65 1579 17006 125 3076 14373 217 179 136 409 700 16 273 3247 253 1512 1062 934 57 2837 206 126 528 835 148 60 453 327 69 141 147 35 436 75 768 2008 57 324 224 341 141

1590 1206 423 300 41 113 195 160 81 1020 202 243 51 737 1042 445 2158 955 264 17222 1249 801 316 220 383 16482 587 211 384 451 591 592 3085 10844 3568 328 1836 163 196 61 1461 16511 105 2914 13586 206 171 125 392 672 14 240 2914 237 1412 951 871 39 2739 196 108 478 750 138 50 366 304 64 132 131 32 411 53 709 1908 54 309 205 324 130

Company

JISLJALEQS JPASSOCIAT JPPOWER JSWENERGY JSWSTEEL JUBLFOOD JUSTDIAL KOTAKBANK KTKBANK L&TFH LICHSGFIN LT LUPIN M&M M&MFIN MARUTI MCLEODRUSS MINDTREE MOTHERSUMI MRF

70 27 12 108 982 1421 1548 1401 144 69 487 1598 1435 1309 307 3637 218 1382 454 39341

68 26 12 105 985 1410 1533 1398 144 68 477 1572 1417 1284 307 3584 219 1346 449 39028

73 30 13 115 1050 1468 1670 1498 154 72 518 1692 1519 1380 325 3788 229 1527 473 41241

79 33 15 125 1114 1526 1807 1599 164 75 559 1813 1620 1476 344 3992 238 1708 497 43454

63 22 11 96 921 1352 1396 1298 134 65 436 1451 1316 1188 288 3380 210 1165 425 36815

58 19 10 86 857 1294 1259 1197 124 61 394 1330 1214 1092 269 3176 200 984 401 34602

NFTYMCAP50 NHPC NIFTY NMDC NTPC OFSS ONGC ORIENTBANK PETRONET PFC PNB POWERGRID PTC RANBAXY RCOM RECLTD RELCAPITAL RELIANCE RELINFRA RPOWER S&P500.Jan 16 SAIL SBIN SIEMENS SKSMICRO SRTRANSFIN SSLT STAR SUNPHARMA SUNTV SYNDIBANK TATACHEM TATACOMM TATAGLOBAL TATAMOTORS TATAMTRDVR TATAPOWER TATASTEEL TCS TECHM TITAN TVSMOTOR UBL UCOBANK ULTRACEMCO UNIONBANK UNITECH UPL VOLTAS WIPRO WOCKPHARMA YESBANK ZEEL

3404 19 8535 136 141 3352 348 328 199 291 206 148 95 651 79 326 466 870 488 62 2018 77 317 961 470 1168 194 932 853 419 129 445 429 155 528 342 83 384 2538 2824 389 318 947 82 3080 236 17 371 255 555 1037 806 386

3443 19 8448 135 140 3346 347 326 204 288 208 144 94 641 78 323 464 860 482 61 2023 77 315 944 459 1122 197 933 843 400 130 447 429 156 526 339 81 386 2537 2783 385 309 935 82 2973 234 17 358 252 557 1059 798 376

3687 21 8768 140 144 3488 364 346 222 310 221 159 99 674 82 348 494 903 518 65 2075 82 337 1012 503 1273 219 961 880 472 137 467 448 162 552 357 86 414 2644 2917 410 338 989 86 3411 251 19 403 270 577 1154 864 408

3931 22 9088 144 148 3631 380 366 241 332 234 173 103 707 86 373 523 946 555 68 2127 87 360 1080 546 1424 242 990 918 545 145 487 468 167 577 376 91 441 2751 3052 435 367 1044 91 3849 268 21 449 288 597 1250 929 440

3199 18 8128 131 136 3203 331 306 186 266 194 130 90 609 74 298 435 817 445 58 1971 72 292 876 415 971 174 905 805 327 122 427 409 151 501 321 77 359 2430 2648 360 280 880 77 2536 217 15 313 233 537 964 733 344

2955 16 7807 126 132 3060 314 285 168 244 181 115 85 576 69 273 406 774 409 54 1919 67 270 808 371 820 152 876 767 255 114 407 390 145 476 303 72 331 2324 2514 335 251 826 73 2098 201 13 268 215 517 868 668 312

Can’t get copies of the Afternoon Despatch & Courier in your area? Please contact Mr Chalke on 9920831512

Intraweek Support and Resistance Levels Based on the “Pivotal Point” theory of Techincal Analysis PP Points indicate the level where the trend is likely to change during intra-week.

Afternoon Despatch & Courier

MUMBAI | MONDAY, JANUARY 19, 2015

« TOP VIEW There is nothing like losing all you have in the world for teaching you what not to do. And when you know what not to do in order not to lose money, you begin to learn what to do in order to win. Did you get that? You begin to learn! All a man needs to know to make money is to appraise conditions.

—Legendary Investor Warren Buffett

« BROKERAGE RECOMMENDATIONS ANGEL BROKING CALLS A ‘BUY’ ON LIC HSG FIN

Nifty Above 8500

NSE India : CNX Nifty — Daily Market Report for: Monday (January 19, 2015) By Dominic Rebello

REVIEW OF THE PREVIOUS DAY:

The Nifty rose marginally on Friday (January 16, 2015) a net 19.65 points (0.23%) and closed at the 8513 point level. The market opened up with a gap at the 8504 points level. It then declined sharply into the red and registered the day’s low at the 8452 points level at 9.16 a.m. The index then rose steadily into the green and registered the day’s high at the 8530 points level at 2.11 p.m. It then turned into a range bound movement until closing at the day. The Nifty moved in a range of 79 points and closed above the psychologically important 8500 points level. Sentiment was mixed and amongst the 50 Nifty stocks 26 were gainers, while 24 stocks closed in the red. Substantial buying was witnessed in consumer durables, healthcare and power stocks. TECHNICAL ANALYSIS:

Volume: Volume (Qty shares) decreased 11.44%. This change is moderate and indicates a moderate participation by investors. Market Breadth: Overall Market Breadth on the NSE was negative. Amongst all the traded stocks, 666 were gainers, 819 were losers and 41 remained unchanged.

Slow Stochastic Indicator: The Slow Stochastic Oscillator has risen and has entered into the over-bought zone. The Slow K line in the Stochastic Oscillator is above the slow D line (positive if it continues). RSI Indicator: The RSI is above the 60 level and is now rising (positive if it continues). MACD Indicator: The MACD is above zero and is rising (positive if it continues). It is above its 9-day Average (positive).

Is above its 200-day average (at 7731) Positive.

Overall Market Strength/Weakness: The indicators and oscillators discussed here are indicating a strong market but with a neutral bias.

Support Levels: For short-term traders the immediate main support is at the 7909 points level. The next support is at the 7831 points level.

Resistance Levels: The immediate main resistance is at the 8581 points level.

Pivot Point Analysis: For intra-day traders the support and resistance levels are calculated according to the pivot point theory and are: Pivot point = 8499 (This is the level where the trend is likely to change during intra-day). Support (1) = 8467. Support (2) = 8420. Resistance (1) = 8546. Resistance (2) = 8577. OUTLOOK FOR TODAY: On Japanese candlestick patterns the index after has formed a doji pattern. This indicates indecisiveness amongst investors. The next candle formation will confirm whether the bias is towards the buy or sell side of the market. However, the index is above its 5, 15, 25 and 200 days moving averages and all the averages are rising and also positively trended. Further, the velocity parameters too indicate strength. All these indicate a positive bias and the possibility of a further upmove unfolding. Investors are advised to hold long positions.

Work with strict stop losses on all positions

ADX Indicator & DI Lines: The +DI line is above the – DI line but both lines are converging (negative if it continues). The ADX is rising while the Market Index is rising, which indicates that the present up trend is increasing in strength. MOVING AVERAGES (TREND INDICATORS)

The index: Is above its 5-day average (at 8381) Positive. Is above its 15-day average (at 8299) Positive. Is above its 25-day average (at 8255) Positive.

Disclaimer: Investment recommendations made in ‘ADC’ are for information purposes only and derived from sources that are deemed to be reliable but their accuracy and completeness are not guaranteed. ‘ADC’ or the analyst/writer does not accept any liability for the use of this column for the buying or selling of securities. Readers of this newspaper who buy or sell securities based on the information in this newspaper are solely responsible for their actions. ‘ADC’ and/or its affiliates and/or employees and/or the author, his company or his acquaintances may have interests/ positions, financial or otherwise in the securities mentioned in this newspaper.

CMP: Rs. 487 Target Rs. 533 LIC Housing Finance reported Q3 FY2015 results, which were in-line to our estimates, with operating profit growth of 18% yoy. NII growth for the company came in healthy at 19% yoy, aided by healthy loan book growth of 18% and improvement in margins by 4bp to 2.2%. Individual loan portfolio stood at Rs 99,362cr, growth of 19% yoy; whereas developer loan portfolio was flat yoy at Rs 2582cr. Non-interest income grew by 6% yoy, leading to 18% growth in operating income. Company has provided Rs34cr as deferred tax liability on Special reserves in this quarter resulting in Net Profit of Rs 344.3cr with a growth of 5%. Excluding deferred tax, PAT would have grown by 15.8% at Rs 378.3cr. On asset quality front, Gross NPA ratio improved by 24bp yoy to 0.57% with Gross NPA ratio in the individual loan segment improving to 0.33% as compared to 0.4% in 3QFY2014. For companies like LIC Housing Finance, operating environment (particularly on the funding side) has eased considerably from the tough times, while retail housing loan growth and outlook remains buoyant. The stock currently trades at 2.4x FY2016E ABV. We recommend Buy rating on the stock.

RELIGARE CALLS A ‘BUY’ ON COLGATE INDIA CMP: Rs. 1961

Target Rs. 2200

We upgrade CLGT from SELL to BUY as the ongoing pick-up in macro conditions and consumption levels is expected to drive a recovery in volume growth to ~10% in FY16/FY17 along with EBITDA margin expansion of 440bps over FY14-FY17 (on higher gross margins, lower A&P spends). We believe the stock is due for a re-rating and raise our target P/E multiple from 27x to 35x, in line with HUVR, besides upgrading FY16/FY17 earnings by 8%/13%. Rolling over to Mar’16, we have a revised TP of Rs 2,200 (from Rs 1,400). Margins to improve 440bps over FY14-FY17: We expect CLGT’s EBITDA margin to improve by 440bps over FY14-FY17 to 22.2%, led by gross margin expansion of 220bps on the back of soft commodity prices coupled with product mix and price-led growth. Upgrade to BUY with a Mar’16 TP of Rs 2,200: We raise our FY16/FY17 earnings estimates by 8%/13% to build in the expected volume and margin recovery. Given improving growth visibility amid a likely pick-up in consumption, we raise our target FY17E P/E multiple from 27x to 35x, roll over to a Mar’16 TP of Rs 2,200 (from a Dec’15 TP of Rs 1,400), and upgrade the stock from SELL to BUY. Key risks to our call are (a) volumes fail to recover, (b) commodity costs inch up leading to below- estimated gross margins, and (c) competitive intensity in the oral care segment increases leading to higher-than-estimated A&P spends.

EDELWEISS CALLS A ‘BUY’ ON INDIABULLS HSG

CMP: Rs. 567 Target Rs. 653 Indiabulls Housing Finance (IHFL), a prominent mortgage financier (with AUM of INR450bn), emerged much stronger after down-sizing riskier assets post FY09. The company is undergoing structural metamorphosis with steady 20% plus asset growth, credit rating upgrades and active selldowns supporting its best-in-class NIMs. We believe an optimal product strategy with stringent risk mitigants to manage NPLs, stable franchise, high liquidity and low gearing will help sustain superior return ratios (RoA/RoE of 4%/30% plus). Moreover, high dividend yield and consistent earnings delivery will lend predictability and result in further re-rating of the stock. We initiate coverage with ‘BUY’ and target price of INR653 (upside > 30%) assigning it 3.1x FY16E adjusted book based on Gordon growth model. Consistency and stability: Fundamental cornerstones: With strengthening borrowing profile and ramp up of sales force, IHFL is now capitalised to cash in on emerging opportunities. Management is targeting steady 20-25% asset growth and stable NIMs supported by recent rating upgrades, active sell-downs and liquidity buffer, despite some pressure on yields. This, along with operating leverage benefits and controlled asset quality, will drive earnings CAGR of 20% over FY14-17E. Outlook and valuations: Pragmatic mover; initiate with ‘BUY’ We believe IHFL is an attractive opportunity in India's mortgage finance industry, which besides scaling up AUMs to INR740bn, also endeavours to instill stability in its franchise and operating metrics and deliver consistent earnings growth. This will lead to further re-rating of the stock. Based on Gordon growth model, we value the stock at 3.1x FY16 adjusted book. We initiate coverage with ‘BUY/Sector Outperformer’.

Buy Accident Insurance Policy To Protect Family Afternoon Despatch & Courier

MANOJ ASWANI

is VP at MyInsurance Club.com

« INSURANCE

I want a health insurance for adventure sports (Bungee Jumping, Paragliding, etc). Please inform me about such insurance policy. I asked couple of insurance agents and both of them refused to extend such a policy. —Peter Alex, Bandra In India cover for Adventure Sports comes along with other features. Chola Mandalam offers cover for adventure sports along with overseas travel. Chola Overseas Mediclaim Insurance provides a cover from 3 months' age to 70 years and hence would cover all 3 of you. Adventure Sports Cover comes along with this

MUMBAI | MONDAY, JANUARY 19, 2015

package and it comes for just a nominal additional premium. The cover is against any eventualities arising from any adventure sports that you may want to try your hand including paragliding. However, there is no standard premium. It varies according to health conditions and the sport involved and other parameters as well, which would be discussed with the policyholder since it is confidential information of the insurer.

I need a health insurance policy that would cover the pregnancy and newborn as well with a less waiting time period along with other health coverage benefits. —Sunil Malhotra, Colaba You can cover the cost of your pregnancy and deliver only if it is planned ahead. There are quite a few Health Insurance Products which offer great Maternity Benefits. Among them you can definitely consider: 1. Star Health Wedding Gift Insurance Policy, where along with delivery, even postdelivery complications for the mother

Pre and Post hospitalisation expenses Pre-hospitalization: Policy will pay the expenses incurred, in respect of the medical treatment of an Illness during the consecutive 60-day period immediately preceding Your admission to Hospital for that Illness, provided that the aforesaid 60 day period commences and ends within the

Who should buy a separate Accident insurance policy, as I already have health insurance policy? —Pradeep Kutrekar, Govandi One should take an accident insurance policy when he wants to protect his family from an accidental injury that he might be prone to. For example, if he is actively participates in any hazardous sports like water rafting,

mountain climbing, etc and he thinks that he might meet with an accident any day and wishes to protect his family against all uncertainties, then he needs to avail an Accidental Insurance Policy like National Insurance Personal Accident Policy, Oriental Insurance Personal Accident Plan, etc. If you have a Life Insurance policy, you might also get accidental coverage if your policy has an additional rider for the same. If you die in an accident, your life insurance policy would pay your nominee the Death Benefit along with the Accidental Death Benefit. Also, if you do not die in an accident, but suffer a disability or dismemberment, an accidental policy or rider pays for that as well. However, if you need Life Coverage for your family, in case you die in an accident, then you must avail a Term Plan for yourself, so that if you die in any such activity then your family is protected against the same. Along with that you could also avail a Personal Accident Benefit rider for yourself. (The author is Vice President at www.MyInsuranceClub.com, insurance comparison website in India. You may write to him at manoj@myinsuranceclub.com).

A Lifelong Renewable Health Insurance Plan

Key Features Can be renewed lifelong Medical check-up is mandatory for members whose age is over 46 yrs and the entire cost of check-up is refunded by Bajaj Allianz on policy issuance Cashless facility is available at all empanelled hospitals.

Coverage Medical Expenses During Hospitalisation: Policy will pay the medical expenses, which are the reasonable charges that You necessarily incur on the advice of a Doctor, as an in-patient in a Hospital for accommodation; Boarding Expenses including patients diet as provided by the hospital/ nursing home ; nursing care; the attention of medically qualified staff; undergoing medically necessary procedures; medical consumables.

the health insurance plan today for you to get cover for Maternity Expenses. 3. Apollo Munich Easy Health Insurance Plan has a waiting period of 48 months. 4. Oriental Insurance Universal Health Insurance Scheme also provides for Maternity Benefit after a small waiting period of 12 months only. However they provide for only Rs 2500 for normal deliveries and Rs 5000 for c-section deliveries. So, the earlier you purchase the better it is for you, so that you can avail all the benefits after the waiting period is over.

« PRODUCT REVIEW: BAJAJ ALLIANZ HEALTH GUARD FAMILY FLOATER PLAN

By Manoj Aswani

ajaj Allianz Family Floater Guard policy is a basic health insurance policy which covers the medical expenses incurred by any of the insured family members in case of hospitalisation due to an injury or accident. It is important to realise the importance of medical insurance and covers ourselves and our family appropriately.

and child, pre-natal and post-natal expenses, foetus disorder tests, etc. are paid for. The waiting period for Maternity Benefit is 36 months, however it is reduced to 24 months if the policy is taken for a period of 4 years. This is a policy which is designed especially for women and a must for maternity care. 2. Max Bupa Heartbeat Insurance Plan: This plan covers upto 2 deliveries. This plan also covers New Born Babies and First Year Vaccinations. The waiting period for Maternity Benefit is 24 months, i.e. if you are planning for a child after 2 years, you should purchase

Policy Period.

Post-hospitalization: Policy will pay the expenses incurred, in respect of medical treatment and essential investigations for a period of upto 90 days after discharge from a Hospital for medical treatment related to the Illness or Accidental Bodily Injury. *However in case of renewed policies the pre-hospitalisation period may fall in the previous policy period. Emergency Ambulance Charges: If a claim is accepted, we will also pay the reasonable cost to a maximum of Rs 1000 per valid hospitalization claim for transferring you / your family members named in the schedule to or between Hospitals in the hospital's ambulance or in an

ambulance provided by any ambulance service provider.

Medical Check-up: At the end of every continuous period of 4 years during which you have held Our Health Guard Family Floater policy without making a claim you / your family members named in the schedule may apply to us for a free medical check up This benefit also floats over the family member(s) covered under the policy.

Other Benefits Cumulative bonus of 5% to your Limit of Indemnity for every claim free year. 5% cumulative bonus benefit for each claim free year, maximum up to 50% cumulative bonus would be passed for sum insured

Rs.2,00,000/- and above continuously renewed with us. No medical tests upto 45 years, subject to clean proposal form. Medical tests (pre-policy check-up) are mandatory for members aged 46 years and above. 100% cost of pre-policy check-up would be refunded if the proposal is accepted and policy is issued. In case the member opts for hospitals besides the empanelled ones, the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents. Health check-up at designated Bajaj Allianz diagnostic centers or reimbursement upto Rs.1000/- at the end of 4 continuous claim-free years. This benefit can be availed by only one member of the family. Free Look Period: If would not satisfied with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim. 130 Day Care Procedures are covered under the policy. Now you will no longer be charged higher premium if there has been a claim in the previous policy!

Tax Benefits In case of individuals the premiums paid up to Rs.15,000 towards Health Insurance will be exempted from taxable income and Rs 20,000 for senior citizens is allowed as a deduction from

Eligibility Criteria

Min.

Max.

Coverage Amount 2,00,000 10,00,000 Policy Term (in years) Entry Age (in years)

the taxable income each year under section 80D of the Income Tax Act.

Policy Exclusions There shall be a waiting period of 4 years for pre-existing diseases. All diseases/injuries existing at the time of proposing this insurance. Any disease contracted during the first 30 days of commencement of the policy. Certain diseases such as hernia, piles, cataract (liability restricted upto 10% of SI, max. upto Rs. 35,000), sinusitis shall be covered after a waiting period of 2 years. Non-allopathic medicine. Congenital external are excluded permanently. Congenital internal have waiting period of 4 years(if disclosed at the time of proposal and policy acceptance) All expenses arising from AIDS and related diseases. Cosmetic, aesthetic or related treatment. Use of intoxicating drugs and alcohol. Joint replacement surgery (other than due to accident shall have a waiting period of four years).

Afternoon Despatch & Courier www.afternoondc.in

NEWS IN BRIEF

‘Take ‘bribes’ from BJP, Cong but vote for AAP’

Transgenders release music album

Nine transgenders hailing from different backgrounds have got together to release a music album they have put together as part of their continuing journey to empower fellow transgenders. The album, 'Songs of the Caravan' was launched in New Dlehi on Saturday by CPI-M Politburo member Brinda Karat and Swami Agnivesh.

that his Ramlila Maidan speech was a let down from which he had "high expectations". "I had high expectations from the Prime Minister's Ramlila Maidan rally speech. But it such a let down. He spent half the time branding me a Naxalite and criticising me for sitting in dharnas. "This kind of politics is not good. Politics should rather be issued based," he said. In an apparent reference to the recent religious conversion row and controversial remarks by certain BJP leaders and saffron outfits, the AAP supremo slammed BJP for AAP's Uttam Nagar Assembly can- "ditching" its electoral plank of dedidate Naresh Balyan, reports PTI. velopment. "Take money from both the par"They used to speak of developties but vote for AAP. We will fool ment. But they have ditched develthem this time. They have been de- opment for (dharm parivartan) ceiving us for the last 65 years. Now religious conversion. Now we also it's our turn," he said. hear comments on Nathuram Kejriwal also took a dig at Prime Godese's temples, women wearing Minister Narendra Modi saying jeans," Kejriwal said.

Congress demands apology from Kejriwal

ongress yesterday demanded that AAP Chief Arvind Kejriwal should seek an apology from the people of Delhi for his controversial remark asking voters to take "bribes" from BJP and Congress but vote for AAP in the Assembly polls. AICC General Secretary Ajay Maken told PTI that the party would seek legal opinion to approach the Election Commission against Kejriwal for 'insulting' the people of Delhi. "Making such statements is illegal. It is like offering money to the people," Maken, who is campaign committee chief of the party in Delhi, said. The Congress leader said that AAP was much ahead than its rivals in putting up posters and giant

Pics: PTI

CONVICTED FOR LIFE... Babbar Khalsa militant Jagtar Singh Tara, convicted for life in the former Punjab CM Beant Singh's assassination case, being extradited from Thailand on Saturday.

EW DELHI: AAP Chief Arvind Kejriwal on Sunday kicked up a controversy by asking voters in Delhi to take 'bribes' from BJP and Congress but to vote for AAP in the upcoming Delhi Assembly election. He asked the voters to 'fool' BJP and Congress by voting for AAP even after accepting 'bribe money' from them while accusing the parties of 'deceiving' the people for years. "It's election time. When people both from BJP and Congress come offering money, don't refuse, accept... Some have looted money from 2G, some have looted money from coal scam. "And if any party does not show up, go to its office and take the amount saying we were waiting but you didn't come," Kejriwal said amid cheers from the crowd. The former Delhi Chief Minister was speaking at a rally at West Delhi's Nawada area in support of

NATION

MUMBAI | MONDAY, JANUARY 19, 2015

Govt to appoint 6-7 Governors soon: Rajnath

The government is planning to appoint new Governors in at least six states in the next 1520 days, with Bihar, Punjab and Assam likely among these. "We are planning to appoint 6-7 new Governors in the next 15-20 days," Home Minister Rajnath Singh told PTI. There are vacancies in Governors' posts in Bihar, Assam, Manipur, Meghalaya and Tripura. While Punjab Governor Shivraj Patil will retire on January 21, Himachal Pradesh Governor Urmila Singh will complete her five-year tenure on January 24.

Govt to notify over 60 eco-sensitive zones

The government aims to notify over 60 sanctuaries and national parks as 'eco-sensitive zones' this year to check the negative impact of industrialisation and unplanned development in and around protected areas. "We are trying to do as much as possible provided we get clear proposals from the states. We will notify more than 60 (eco-sensitive zones) this year," a senior Environment Ministry official told PTI.

Swadeshi Jagran Manch wants white paper on FDI

Government's plan to attract FDI faces stiff opposition from RSS-affiliate Swadeshi Jagran Manch (SJM) which has demanded a white paper on the issue, claiming there have been more outflows than inflows. The Manch also has concerns over government's "Make in India" mission and e-commerce, saying it will hurt the country's interests and there is need to promote 'Swadeshi' products.

AWAITING ORDERS... Delhi Police team awaiting orders from their chief before the rehearsal for the Republic Day parade at Rajpath in New Delhi.

Anti-terror ops: Govt likely to frame norms for media N

EW DELHI: Indicating that there could be soon norms for media coverage of terror-related operations, Information and Broadcasting Minister Arun Jaitley on Sunday said that the issue is under 'serious and very advanced consideration' of the government. Delivering the first Justice J.S. Verma memorial lecture here, he also said that the age of ban on media organisations was over and technology had rendered censorship impossible. The manner in which anti-terror operations by security agencies was covered is one of the most important issues with regard to responsibility of media in contemporary times, the Minister said. The question is whether to allow the media to go right up to the spot or if there should be constraints, he said. The I&B Minister said that intelligence agencies had claimed that real time coverage of 26/11 terror attack in Mumbai had helped the handlers of terrorists to get information about what the security agencies were doing. "Our security agencies and the Ministry of Defence are clearly of the view that this cannot be

Union Minister for Finance, Corporate Affairs and Information & Broadcasting, Arun Jaitley delivers a lecture during first Justice J.S. Verma Memorial lecture in New Delhi on Sunday.

allowed. And, therefore, during the limited duration when the security operation is on, a very strict discipline on the kind of reporting which is to take place from the place of the incident will have to be maintained," Jaitley said. "This issue is under serious and very advanced consideration of the government," he said. The Minister also said that while traditionally it was thought that a newspaper or a channel could be banned, the fact was that the days of ban were long over as it was now hardly possible to "victimise" media outfits through denial of advertisements. On the possibility of censorship, Jaitley said technology has made it impossible. "Assuming that there was emergency imposed today under Article 352 of the Constitution, the impact of the censorship would be nil. The satellite itself defies geographical boundaries...The email does not allow it, the fax machine does not allow it," he said. The Home Ministry had earlier asked the I and B Ministry to amend rules so that live coverage of anti-terror operations by television channels is banned.

Afternoon Despatch & Courier

TV GUIDE

www.afternoondc.in

MUMBAI | MONDAY, JANUARY 19, 2015

& Tah

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>Þ À`>Þ ` À ->ÌÕ @

G L JOE : RETALIATION

TODAY’S BEST VIEWING

The G.I. Joe team is framed for crimes against the country by Zartan, disguised as the President, and Cobra Commander has all the world leaders under his influence, with their advanced warheads headed towards innocent populaces around the world. Outnumbered and outgunned, the surviving team members form a plan with their original leader, General Joseph Colton, to rescue the President and face off Cobra Commander, his accomplices and the world leaders. HBO, 9 p.m.

SATRANGI SASURAAL

SOAPS & SERIALS

Strong in his resolve to make Aarushi his own, Gattu offers to help her family on the sole condition that Aarushi marries him. Furious at first, Aarushi seeing her family distressed is forced to make a choice. What will her choice be? Zee T V, 10 p.m.

P.M. 2.00 3.00 4.00 4.30 5.00 6.00 7.00 8.00 8.30 9.00 10.00 11.00

MYSTERIES OF THE LOST ISLAND

Follow renowned zoologist and large predator expert Dave Salmoni on Animal Planet’s MYSTERIES OF THE LOST ISLAND as he explores the wildest islands to crack the last big secrets surrounding some of the most successful natural-born killers. How and why have they been so spectacularly successful at surviving — despite the harshest of conditions? Ani mal Planet, 9 p.m .

CODE RED

Code Red, we will see a dingy colony somewhere in Nagpur where a woman sets ablaze a man in his early 40’s . Reporter goes to cover the crime and gets to know that the Women is Rozy, a Prostitute of Nagpur’s Red Light Area. Reporter decides to dwell further into the case where he comes to know the back story of how a young innocent girl Kajal became Rozy. Kajal was badly tortured by her step mother when she ran away from M.P. In Nagpur, a police team finds her in a park and instead of helping her out a constable Datta More rapes her and sells her to a brothel. Further, Kajal meets Vilas, whom she marries and they have a baby, all is going well in her life but one fine day, she finds that Vilas is missing. Colors, 10.30 p.m .

TETHERED

TETHERED literally ties two strangers together in the wild and proves you need to figure out how to survive each other first in order to survive at all. Two opposing personalities will be left in the wilderness with nothing, locked together by a six-foot steel cable and forced to work together to find rescue. This is a survival challenge like no other. This isn’t about watching “survival-

Satrangi Sasuraal, Zee TV, 10 p.m.

ists” teach you tips and tricks in the wild – it’s about humour, character and a real interpersonal challenge. Discover y, 10 p.m.

TIME WARP

Join the TIME WARP team, Jeff Lieberman and Matt Kearney, as the reveals the world in astonishing new ways by radically changing the lens of time. Di scover y Science, 10.30 p.m.

TU MERA HERO

After Panchi and Titu’s families come face to face with each other at Rachna’s engagement, Titu saves Kamlesh from accusations from people about spending too much money at the wedding. Meanwhile, Govind Narayan over hears a phone call between Titu and Bablu discussing Titu and Panchi’s lies. Will Govind Narayan find out the truth about Panchi? Star Pl us, 8 p.m.

MOVIES OF THE DAY

THE TWILIGHT SAGA: BREAKING DAWN PART 2

The final Twilight Saga begins with Bella now a vampire learning to use her abilities. And happy to see her daughter, Renesmee is flourishing. But when someone sees Renesmee do something that makes them think that she was turned. This person goes to the Volturi, because it is a violation to turn a child. And the penalty is death for both who turned the child into a vampire and the child, cause they deem a turned child too dangerous. Alice gets a vision of the Volturi coming after them. So the Cullens try to convince them that Renesmee is not a threat. So they ask friends and family to come stand with them. But when someone who has it in for the Volturi shows up and tells them they should be ready for a fight. And they get ready. Star Movies, 9 p.m .

HOW TO TRAIN YOUR DRAGON

Long ago up North on the Island of Berk, the young Viking, Hiccup, wants to join his town’s fight against the dragons that continually raid their town. However, his macho father and village leader, Stoik the Vast, will not allow his small, clumsy, but inventive son to do so. Regardless, Hiccup ventures out into battle and downs a mysterious Night Fury dragon with his invention, but can’t bring himself to kill it. Instead, Hiccup and the dragon, whom he dubs Toothless, begin a friendship that would open up both their worlds as the observant boy learns that his people have misjudged the species. Zee Studio, 9 p.m.

BAD BOYS 2

Narcotics cops Mike Lowrey and Marcus Bennett head up a task force investigating the flow of ecstasy into Miami. Their search leads to a dangerous kingpin, whose plan to control the city’s drug traffic has touched off an underground war. Meanwhile, things get sexy between Mike and Syd, Marcus’s sister. Pix , 9 p.m .

AAN- MEN AT WORK

Crime is at its highest peak in Mumbai with it split in three ways. Walia has one-third, Manik Rao has one-third and Roshni has a third of the Mumbai territory. The crime rate rises with more smuggling, trading and illegal activities soaring. Meanwhile, the CBI work constantly to stop this. Inspector Vikram is a failure of a police in life and tends to stick with the easy way. Appa is an encounter specialist who goes after the henchmen instead of the bosses, he has a wife Janki with whom they have a son. Const. Khaled is a happy-go-lucky cop. The three men’s and the whole Crime branch’s fate changes with the arrival of their new boss. DCP Hari arrives and realizes that the CBI are not serious and that the rules, regulations, and the very reason for joining the police force, have been thrown to the wind. Star Gold, 8 p.m.

STAR PLUS

P.M. 2.00 Everest 2.30 Diya Aur Bati Hum 3.00 Yeh Rishta Kya Khelta Hai 3.30 Suhaani Si Ek Ladki 4.00 Saath Nibhaana Saathiya 4.30 Nisha Aur Uske Cousins 5.00 Ek Veer Ki Ardaas-Veera 5.30 Yeh Hai Mohabbatein 6.00 Iss Pyar Ko Kya Naam Doon-Ek Baar Phir 6.30 Suhaani Si Ek Ladki 7.00 Saath Nibhaana Saathiya 7.30 Ye Hai Mohabbatein 8.00 Tu Mera Hero 8.30 Nisha Aur Uske Cousins 9.00 Diya Aur Bati Hum 9.30 Yeh Rishta Kya Kehlata Hain 10.00 Everest 10.30 Ek Veer Ki Ardaas-Veera 11.00 Ye Hai Mohabbatein

The Twilight Saga: Breaking Dawn, Star Movies, 9 p.m.

KHUDGARZ

Sita Sinha has brought up her son, Bihari and his friend, Amar as her own. The three are very close to each other. When they grow up they maintain their friendship and love for each other. Amar marries wealthy Jaya, and Bihari marries a labourer. Amar’s dad, Mr. Saxena does not like Bihari, and schemes to separate them. He succeeds, and Bihari is humiliated. Bihari blames Amar, and swears to bring about his downfall at all costs. CVO, 9 p.m.

DHADKAN

Wealthy Anjali falls in love with poor Dev, both want to get married, but Anjali’s family objects and instead get her married to equally wealthy Ram, who lives with his uncaring step-mother and siblings. Anjali finds out that Ram is not respected, but does not care as she does not love him. Ram continues to be affectionate toward her and his family, but Anjali cannot get Dev out of her mind. Then things change, when Ram decides to assert himself and asks his family to leave him and his wife alone. Anjali starts warming up to Ram, when Dev shows up - this Dev is not the poor Dev that Anjali once knew, this Dev is a multi-millionaire, scheming, and devious, and a Dev who will try to win Anjali over by hook or by crook. B4U, 9 p.m .

ANKHEN

Two wealthy buffoons, Munnu and Bunnu, get involved in a conspiracy to replace a Chief Minister with a lookalke by some corrupt government officials. Meanwhile, Munnu’s identical cousin, arrives for a visit from the rural parts, and is mistaken for the real Munnu. The city-wise Munnu visits his cousin to find a safe place to hide out, and is mistaken by the local townspeople for his cousin. Zee Classic, 9 p.m .

House Glee Simpsons Year Melissa and Joey 2 Monk House Glee Simpsons Year Melissa and Joey 2 Monk House Glee

ZEE CAFÉ

SONY TV

P.M. 2.00 CID 7.00 Itna Karo Na Mujhe Pyaar 7.30 Box Cricket League 8.30 Humsafars 9.00 Tum Aise Hi Rehna 9.30 Hum Hain Na 10.00 Maharana Pratap 10.30 Itna Karo Na Mujhe Pyaar 11.00 Box Cricket League

8.00 8.30 9.00 9.30 10.00

LIFE OK

P.M. 2.00 Best of Savdhaan India 7.30 Mere Rang Mein Rangne Wali 8.00 Mahakumbh 8.30 Pukaar 9.30 Aheeb Daastan Hai Ye 10.00 Comedy Classes 10.30Savdhaan India: India Fights Back 11.30 Mahakumbh

COLORS

P.M. 2.00 Udann 2.30 Meri Aashiqui Tum Se Hi 3.00 Comedy Nights with Kapil

ANIMAL PLANET

P.M. 2.00 Be The Creature 3.00 Animal Planet – A to Z 4.00 United Colors of Wild: Animal Battlegrounds 5.00 Most Extreme 6.00 AP Safari 7.00 Planet Wild 7.30 Predator’s Prey 8.00 Wild Asia 9.00 Mysteries of the Lost Island 10.00 Mahayudh 11.00 Corwin’s Quest P.M. 2.00 3.00 4.00 5.00

DISCOVERY

Factory Made Man Woman Wild How Do They Do It Man vs Wild

ZEE TV

Satrangi Sasuraal Doli Armaanon Ki Kumkum Bhagya Qubool Hai SRGMP Li’s Champs Bandhan… Saari Umar Doli Armaanon Ki Jamai Raja Kumkum Bhagya Satrangi Sasuraal Bandhan… Saari Umar Sapne Suhane Ladakpan Ke Jodha Akbar Jamai Raja Kumkum Bhagya Qubool Hai Satrangi Sasuraal

Code Red, Colors, 10.30 p.m.

6.00 6.30 7.00 7.30 8.00 8.30 9.00 10.00

Udaan Meri Aashiqui Tum Se Hi Shastri Sisters Sasural Simar Ka Balika Vadhu Udaan Bigg Boss Meri Aashiqui Tum Se Hi 10.30 Code Red 11.00 Shastri Sisters

DDI (Main Channel)

7.00 8.00 8.30 9.00 9.30 10.00 10.30

INVESTIGATION DISCOVERY

P.M. 2.00 3.00 4.00 5.00 6.00 7.00 7.30 8.00 9.00 10.00

Beauty Queen Murders Disappeared Tehkikaat Fata Encounters I’d Kill For You Datess From Hell Who The Bleep Disappeared Fatal Encounters I’d Kill For You

P.M. 2.00 7.00 7.30 8.00 8.30 9.00 9.30 10.00 10.30 11.00

SAB TV

Taarak Mehta Ka Yam Hain Hum Badi DoorSe Aaye Hai Baal Veer Taarak Mehta Ka.. Chidiya Ghar Badi Door Se Aaye Hai Yam Hain Hum FIR Taarak Mehta Ka….

ZEE MARATHI

P.M. 2.00 Ka re Duraava 2.30 Jai Malhar 3.00 Honar Suun Me Hya Gharachi 3.30 Juloon Yeti Reshimghathi 4.00 Chala Hava Yeu Dya 5.00 Jai Malhar 5.30 Honar Suun Me Hya Gharachi 6.00 Ka Re Duraava 6.30 Home Minister 7.00 Jai Malhar 7.30 Javai Vikat Ghene Aahe 8.00 Honor Suun Me Hya Gharachi 8.30 Julooni Yeti Reshimgathi 9.00 Ka Re Duraava 9.30 Chala Hava Yeu Dya 10.30 Jai Malhar 11.00 Ka Re Duraava

Tu Mera Hero, Star Plus, 8 p.m.

6.00 7.00 7.30 8.00 9.00 10.00 11.00

Nature’s Great Events What Happened Next American Digger How Do They Do It India Revealed Tethered Destroyed in Seconds

P.M. 2.00 3.00 4.00 6.00 7.00 7.30 8.00 9.00 10.00 10.30 11.00

Secrets of The Earth The Unexplained Files How It’s Made Futureweapons Quirky Science Tech Toys 360 How It’s Made The Gadget Show Manufactured Time Wrap Combat Countdown

SCIENCE

HISTORY

P.M. 2.00 Food CIA 2.30 Counting Cars 3.00 101 Things That Changed The World 4.00 Baggage Battles 4.30 Don’t Trust Andrew Mayne 5.00 Pawn Stars 5.30 Kings of Restoration 7.00 Premiere 8.00 Food Tech 9.00 Stan Lee’s Superhumans 10.00 Pawn Stars 10.30 Baggage Battles 11.00 Counting Cars

NAT GEOGRAPHIC

P.M. 2.00 3.00 3.30 4.00 5.00

Secrets of Stupid Car Science Do Or Die: Up In Flames Brain Games Don’t Tell My Mother: Pakistan 6.00 Science of Stupid

DOORDARSHAN

P.M. 2.30 3.00 3.30 4.00 4.30 5.00 5.30 6.00 6.30

7.00 Car Science 7.30 The Numbers Game: How Tough Are You? 8.00 Ultimate Animal Countdown: Attack 9.00 Science of Stupid 10.00 Crowd Control: Time Flies 10.30 Big Bigger Biggest: Canals 11.30 Monkey Thieves: The Great Escape

STAR WORLD

P.M. 2.00 Desperate Housewives 4.00 America Funniest Home Videos 5.00 Just for Laughs 6.00 Perception 7.00 The Following 8.00 The Big Bang Theory 8.30 Two And a Half Men 9.00 Desperate Housewives 10.00 Perception 11.00 The Big Bang Theory

P.M. 2.00 2.30 3.00 3.30 4.00 4.30 5.00 5.30 6.00 6.30 7.00 7.30

10.30 Doli Armaano Ki 11.00 Jodha Akbar

LISTING

News in Marathi Sansar Maza Vegala Daivacha Ha Khel Nirala Ashi Hi Dharmakanya Karan The Detective News in Marathi Smart Sunbai Krishi Darshan Amahci Mati Amachi Mana News in Marathi Khamosh Sa Afsana Pavitra Bandhan Zindagi Ek Bhanwar Dard Ka Rishta Jab Jab Bahar Ayee Paltan

DDII (Metro Channel) News in Hindi. News. Open Frame Repoter’s Diary Samachar. The News. Samachar. Rajyon Se Samachar. Metro Scan Business Wrap Samachar News

STAR SPORTS1

P.M. 2.00 History of the Cricket World Cup 3.00 Hockey India League 14 h/ls 3.30 Great Knocks 4.00 Jai Ho 4.30 Cricket World Cup 5.00 Tri Series 15 h/ls 2nd ODI: Aus vs India 6.00 Cricket World Cup: 1987 7.00 Great Knocks 7.30 Cricket World Cup 8.00 Believe: The Mahi Way 9.00 Cricket World Cup 9.30 Jai Ho 10.00 Ti Series 15 h/ls 2nd ODI Aus vs India 11.00 Great Knocks

STAR SPORT3

P.M. 2.00 Tri Series 15 h/ls 2nd ODI : Aus vs India 3.00 Cricket World Cup : 1996 4.00 Great Knocks 4.30 Hockey India League 2015 h/ls Gamechanger 5.00 Tri Series 15 h/ls 2nd ODI Aus vs India 6.00 History of the Cricket World Cup 7.00 Hockey India League 2014 highlights Challengers 7.30 Close Encounters 8.00 Tri Series 15 h/ls 2nd ODI Aus vs Ind 9.00 Believe The Mahi Way 10.00 Hockey India League 14 h/ls 10.30 Star Power 11.00 Great Knocks

TEN CRICKET

11.00 DAAT U: Kanada Film. Starring Rajesh, Dattatreya,Roopa Iyer. Directed by K Shivarudraiah P.M. 2.00 2.30 3.00 3.30 4.00 4.30 5.00 5.30 6.05 6.30 7.00 7.30

11.00 Who The Bleep Did I Marry

Daatu, DDI, 11 p.m. 8.00 8.15 8.30 10.00 10.30 11.15

Samachar News in Hindi. News Night Charcha Main Raat Saddhe Dus Khel Samachar

P.M. 2.30 Eng Tour of WI 14 h/ls 1st ODI 3.30 Great Centuries: AB de Villers 4.00 WI Tour of SA 14/15 2nd ODI 5.00 Cricket Classics: NZ Vs SL Nov 96 6.00 NZ Tour of WI 14 h/ls 1st Test 8.00 SA Tour of Pak 13 h/ls 1st ODI 9.00 WI Tour of SA 14/15 2nd ODI 10.00 Great Centuries: Sachin Tendulkar 10.30 NZ Tour of Pak 14 h/ls 2nd Test

MOVIE CHANNELS

P.M 12.30 2.30 4.30 6.00 9.00

STARMOVIES

Men in Black 3 Problem Child George of the Jungle Terminator 2: Judgment Day The Twilight Saga: Breaking Dawn : Part 2 11.30 The Monuments Men P.M. 12.40 2.45 4.35 6.30 9.00 11.10 A.M. 9.00 11.00 P.M 12.50 3.00 4.45 7.10 9.00 10.55 P.M. 1.45 4.00 6.35 9.00 A.M. 8.50 11.35 P.M. 2.00 5.05 8.00 10.45 A.M. 7.45 10.40 P.M. 1.00 5.00 9.00 A.M 10.00

HBO

The Adventures of Tintin Street Fighter: Assassin’s Fist Machete Kills Star Trek Into Darkness G I Joe Retaliation Underworld: Awakening Mirror Mirror Machete Kills

ZEE STUDIO

Alice In Wonderland Eden Lake Gone in 60 Seconds Mean Girls How to Train Your Dragon Saw 3D The Final Chapter

PIX

Iron Man You Only Live Twice Ghost Rider Bad Boys 2

STAR GOLD

Dhadkan Maine Dil Tujhko Diya

MAX

Bad Boys 2, Pix, 9 p.m.

Joru Ka Gulam: Govinda Ek aur Rakshak: Allu Arjun Koi Mil Gaya: Rekha Veerana: Hemant Birje

ZEE CINEMA

CVO

FILMY

P.M. 12.30 Heer Ranja 5.00 Ab Tak Chappan 8.30 Awaanrgi

All programmes on this page are as per the official schedules of the various channels. Afternoon is not responsible for any last minute changes.

POGO

Chhota Bheem : Gadbad Mr Bean Chhota Bheem Marathon Chhota Bheem Shaktimaan Back 2 Back Bheem Bhootraja Aur Ronnie MAD

Golmaal Fun Unlimtied Hera Pheri Mai Insaaf Karoonga Kurukshetra

P.M. 2.00 Heyy Babyy: Vidya Balan 5.30 Mangal Pandey (The Rising): Aamir Khan 9.00 Khudgarz: Jeetendra A.M. 9.30 Dhanwaan: Ajay Devgan

P.M. 2.30 5.50 9.00 A.M. 8.20 11.15

P.M. 1.30 3.00 4.00 5.30 7.00 8.00 9.30 11.00

The Raid 2: Berandal Golden Eye

P.M. 2.15 Kasam Hindustan Ki: Jayan Ravi 5.05 Sher E Hindustan KI: Jayan Ravi 8.00 Aan- Men At Work: Shatrugha Sinha A.M. 11.00 Henna: Rishi Kapoor

P.M. 12.00 3.00 6.00 9.00 A.M. 7.30

CARTOON NETWORK

P.M. 2.00 Tom and Jerry Tales 3.00 Oggy and the Cockroaches 3.30 Courage the Cowardly Dog 4.00 Advneture Time 4.30 Bas Karo Henry 5.00 Ben 10 Omniverse 5.30 Haddi Mera Buddy 6.00 Oggy and the Cockroaches 7.00 Hanuman Returns 9.00 Roll No 21 Kanish Ka Baj Gaya Band 10.30 Courage the Cowardly Dog 11.00 Adventure Time A.M. 8.00 Ben 10 8.30 Johnny Test 9.00 Tom and Jerry Kids Show 10.00 Ben 10 10.30 Haddi Mera Buddy 11.00 Roll No 21 Chhuti Ho Gayi

B4U

Sandwich: Govinda Local Dada: Riyaz Khan Jurmana: Mithun C Dhadkan: Akshay Kumar Daraar: Rishi Kapoor

ZEE CLASSIC

Sharafat Bandhan Ankhen

Ek Nai Paheli Geet Gaya Patharon Ne

ZEE TALKIES

P.M. 2.00 Divyashakti: Sivaji 4.30 Sun Mazi Bhagyachi: Kranti R 7.00 Bin Kamacha Navra: Ashok Saraf 9.30 One Room Kitchen: Bharat Jadhav

How to Train Your Dragon, Zee Studio, 9 p.m.

A.M. 8.00 Richie Rich 9.00 Shaktimaan 10.00 Bhootraja Aur Ronnie II P.M. 2.00 4.00 4.30 7.30 7.50 10.00

DISNEY CHANNEL

Doraemon Arjun: Prince of Bali Doraemon Arjun: Prince of Bali Draemon The Suite Life of Karan and Kabir 11.00 Best of Luck Nikki A.M. 9.00 Ishaan 9.30 Best of Luck Nikki 10.00 The Suite Life of Karan and Kabir 10.25 Art Attack

DISNEY XD

P.M. 1.30 Kiteretsu 5.30 Iron Man: Armored Adventures 6.30 American Dragon: Jake Long 7.00 Phineas and Ferb 8.00 Ultimate Spider Man 9.00 Avengers Assemble 9.30 Big Bad Beetleborgs 10.00 Telebrands A.M. 8.00 Space Goofs 8.30 Rekkit the Rabbit 9.00 Space Goofs 9.30 American Dragon: Jake Long 10.00 Super Robot 11.00 Phineas and Ferb

Afternoon Despatch & Courier www.afternoondc.in

MUMBAI | MONDAY, JANUARY 19, 2015

TV TATTLE Marriage vows

Rajat Tokas – who is currently essaying the role of Akbar in Zee TV’s flagship historical show 'Jodha Akbar' will soon be getting married to his fiancée – Srishti Nayar. The two met through common friends and connected instantly and got engaged last April. They will exchange sacred vows. Chetan Hansraj, his best man, said, “Rajat will be off for his wedding starting from January 26. Before he leaves, we are planning a bachelor’s party for him on January 30 at Udaipur Palace.”

Kite festival

The whole team of 'Taarak Mehta Ka Ooltah Chashmah' recently celebrated the festival of kite, Makar Sankranti in style. On the sets, the actors were seen flying kites with lots of fun and masti. There were some who knew the art of flying kites and some were still learning to do so. Speaking on the occasion, Disha Vakani who plays the role of Dayaben, said, "Makar Sankranti has been one of the best festivals for me. I love flying kites and guess what, I know to make them too. Every moment attached to this festival was special to me. We all Gokuldham Society members are also celebrating Makar Sankranti and enjoying kite-flying. I am sure, audience will love this episode.”

Talented actor

Deepti Gupta, a Delhi born, is the first actress of Indian origin to appear as a lead on Zindagi, India’s only premium Hindi channel, in their upcoming serial 'Ijaazat' starting January 20. 'Ijaazat' is a gripping tale of love and betrayal. It narrates the story of a married couple Seep – a writer and Sahil – a film director, whose love is tested when Seep writes the perfect female lead of her husband’s dreams.Deepti Gupta is a well-known name in the Pakistani television industry. As Seep, Deepti plays the role of a writer married to Sahil, a film director. Seep is a deep soul with a lot of positivity. Seep’s life changes when she writes a script with a female protagonist that turns out to be her undoing.

New entry

Arjun and Poorvi’s life is expected to go through some turbulent times with the entry of a new character in Ekta Kapoor’s show 'Yeh Dil Sun Raha Hai' aired on new channel PAL. The popular actor Aadesh Chaudhary is all set to embark on this show. The show which has Navi Bhangu, Aparna Dixit and Nikhil Arya in the lead roles will soon witness the entry of Aadesh Chaudhary in the role of Viraj. Aadesh’s character will lead to a love triangle in the show. He will be shown as the love interest of Purvi played by Aparna Dixit. He is expected to start shooting for the show soon.Set in the city of Patna, the show charts the journey of Poorvi (played by Aparna Dixit), and Arjun (played by Navi Bhangu).

Successful show

‘Lagori' has completed 300 episodes on Star Pravaah with an explosive episode. The successful show which airs on Star Pravah every Monday to Friday at 9 pm, has recently been named the Best Serial of the year at the Viewer’s choice MMW Gaurav awards, with popular actress Anuja Sathe-Gokhale who reprises the role of Urmila being named as Best Actress in the viewer’s choice television category.

Aamina’s challenging role

Aamina Sheikh who has won the hearts of Indian audiences with her heartwarming portrayals as Aiman and Neha in Zindagi’s popular shows 'Maat' and 'Ishq Gumshuda' respectively is back on Zindagi with its latest offering – 'Piya Re'. Aamina plays the character of protagonist Ujala in the show alongside popular Pakistani actor Adeel Hussain. She shared her thoughts on the new show By Sandeep Hattangadi

We are seeing you on a lot of shows on Zindagi? Yes, you have seen a lot of me recently on Zindagi and the channel airs the shows frequently. The shows have got a new life altogether, which is really thrilling.

Is India getting to see the best of your work or the best is yet to come? I think ‘best’ is a very relative term but I can say that in my experience when it comes to drama serials, ‘Piya Re’ has been executed sensitively. It is probably the most sensitive portrayal I have seen on-screen in Pakistani television. What is the subject of the show? The sensitive topic of rape that is being dealt with in this drama is portrayed and treated in such a way on screen that it doesn’t jolt you. It is something you can sit and watch with your family. 'Piya Re' shows how a topic like rape can be addressed, how the sensitivities can be understood and how one can move ahead from it in a progressive manner. So I think the way it is executed is really different from what you normally see. And that’s why it is one of the special projects for me. Do you think 'Piya Re' is closest to the person that you are in a strong character? Well the characters are different from each other but, yes, you will find some elements that you can relate to as a person. For example in 'Maat', my character Aiman is very different from the women of today’s times. It was tough portraying that character because Aiman was a girl who had created certain boundaries for herself and had to make all the choices based on them. But Ujala in 'Piya Re' is more like the contemporary young girl who had an artistic academic journey and gets married to her childhood sweetheart. She has been brought up in a progressive environment, so I related to that bit.

How much are the Pakistani dramas truly reflective of your society? Our society, just like India, is also made up of such dynamic sectors. There are masses, which are predominantly housewives who most of the marketers cater to, therefore our dramas also reflect quite a bit of what takes place in the lives of lower middle-class families. But then you also have a set of audience who have the buying power, they are the elite, upper class and upper middle-class sects. Hence, the dramas reflect the whole range. But perhaps, every drama does not take the creative liberty to dramatise or exaggerate things to give a sensational effect. So I wouldn’t say 100 per cent but yes, some shades of the dramas are definitely reflective of the part of society that they are representing. And probably, that’s why we get the feedback from all over the world where people tell us that they went through similar situations or know someone who has been through one. But having said that, I feel that we need to not only reflect but also try to instill certain changes in our society by not repetitively showing things that are not working and are dark in our society but show stories that are more progressive and cater more

Miss Universe on Republic Day

ee Café encompasses an exhaustive library of the top US shows like 'The Big Bang Theory', 'Grey’s Anatomy', 'Scandal', 'Two and A Half Men', 'House of Cards', 'The Vampire Diaries', 'Pretty Little Liars', etc. Catering to English speaking audiences it boasts of a healthy mix of reality and scripted show offerings directly from the US. Now it takes another leap in innovation with the exclusive telecast of the prestigious world beauty title 'Miss Universe' this January 2015. A bevy of gorgeous women will battle it out at the 63rd edition grand finale of Miss Universe, in Doral Miami, USA. India’s very beautiful and talented Noyonita Lodh, crowned Miss Diva Universe 2014, will represent and compete for India at the global pageant with 88 contestants from all over the world to vie for the ultimate crown; the door to name, fame and glory, prosperity and respect. Zee Café will exclusively showcase the event live on January 26, 6.30 am and an encore at 8 pm for its Indian viewers. So tune into the battle for the crown.

towards the solutions to the problems that we face but in an entertaining way.

What do you think is the reason for the success of Pakistani dramas in India? I would not compare our dramas to Indian content because there was a time when Indian shows were immensely popular in Pakistan because they were different and their execution was a bit dramatised which viewers used to enjoy in our country. I think our dramas are working in India because they are different from what Indian audiences have been watching till now. They have been watching a certain kind of serials till now, and I think our dramas worked like a breath of fresh air.

Irrfan Khan opens up on talk show T

his month on CNN’s ‘Talk Asia’ Anna Coren sits down with renowned Indian actor Irrfan Khan. In an engaging and candid conversation they talk openly about his life, passion for film, his successful cinematic career and future plans. Khan discusses his early life and how he was drawn to cinema despite not being allowed to watch movies as the eldest son of an aristocratic Muslim family. He goes on to talk about his training at the prestigious National School of Drama in India where he learnt that “there’s not a formula or method which can make you actor” and his subsequent career in Indian film and television. He opens up about the international hits which brought him critical and commercial recognition ranging from 'Slumdog Millionaire' and 'The Namesake' to 'A Mighty Heart' and 'Life of Pi'. Khan also shares his view that because of “petty politics” his critically acclaimed film 'The Lunchbox' was not entered as an Oscar contender, his hopes from the new Indian government and his upcoming projects including Steven Spielberg’s 'Jurassic World'. Catch him on Saturday 24, 11 am and 10 pm, and on January 31 at 6 pm, and Sunday, February 1, 11 am.

Afternoon Despatch & Courier

LOVIN’ IT UP

www.afternoondc.in

MUMBAI | MONDAY, JANUARY 19, 2015

Sex on the very first night

Can I have sex on the very first night of my marriage? Will it be a good step? Ninety per cent of the marriages in our country are still arranged marriages where there is no love between the partners to begin with. It is merely an arrangement done by two well-suited families to keep up a tradition. After such a marriage, a man gets the moral permission to have sex with his wife. A man with his body-oriented sexuality, who is starved for sex (as boys get sexually active around 14 years of age but get married much later) tends to get blinded towards his bride’s feelings and state of mind and ends up forcing sex on her on the first night. The woman, feeling rather awkward, uncomfortable and exploited, allows this humiliation as our orthodox teachings teach girls to be meek, submissive and tolerant. The woman gets sexually aroused only if she loves the man, but here; he is giving her all the reasons to hate him. And this is how their married life begins. Instead of love, a seed of hatred is sown. That is why we see so much pain, conflict and break-ups in marriages. I have seen many women, who

HEART TO HEART Dr. Rajan B. Bhonsle M.D. (Bom) Consulting Sex Therapist & Counsellor

Dr. (Mrs.) Minnu R. Bhonsle Ph.D. Consulting Psychotherapist & Counsellor

have not felt loving towards their husband even once, even though they have borne children. It is so necessary for a woman to love the

What the cards say: Take it easy. Path: Be kind to the less fortunate. Don’t be arrogant or demanding. Ally: Pisces will help. Avoid dilly-dallying Libra. Card for the week: Tarot key no XII The Hanged Man. Suggestion is to pause. Understand that surrender and trust can transform perspective and life situation.

What the cards say: Time to work hard. Path: Listen to other more experienced people. Don’t be anxious or worried. You will be taken care of. Ally: Level-headed Libra will help you analyse. Avoid Capricorn who will unnerve you with their meticulousness. Card for the week: Tarot key no IX The Hermit who teaches you to walk the right path. Keep an open mind and listen to wisdom.

What the cards say: Things remain as they are. Path: You need to take stock of things. Don’t get into a groove and become rigid. Ally: Virgo will bring stability. Avoid Aquarius who could make you afraid with radical ideas. Card for the week: Tarot key no XIV the Temperance which says that balance and healing is at hand.

What the cards say: New influences will buoy you up. Path: Just flow. You are OK. Don’t think too much. Live in the moment. Ally: Taurus will sympathise. Stay away from Capricorn who could make you more depressed. Card for the week: Tarot Key no X the Wheel of Fortune. Things are bound to work out for you .The Wheel of Fortune is spinning in your favour.

What the cards say: You could feel a sense of injustice. Path: Use mercy and kindness in dealing with others. Don’t get angry and act rashly. Take things easy. Ally: The mature Virgo will be a good friend. Avoid Capricorn you will get bored with them. Card for the week: Tarot key The Moon makes you emotionally vulnerable. Harness the positivity of the Moon and use the intuition and feelings to release the blocks.

What the cards say: Focus on your partner. Path: Be supportive. Don’t be selfish and put yourself first. Ally: Aries could show you generosity. Avoid cold Virgo who will be too analytical. Card for the week: Tarot Key no XIV The Temperance. Find a balance and work out the right combination is.

man to get sexually attracted to him. Arranged marriages, the way they are planned and executed, lack the opportunity and atmosphere for love to happen, therefore we must provide for the couple to get well acquainted with each other before marriage. Very often the couple is utterly exhausted at the end of an elaborate wedding ceremony. Both are strangers to each other. Both are ignorant or have misconceptions about the sexual experience. Men carry an anxiety about their sexual performance. Girls have the fear of pain and bleeding at the first intercourse. There is a fear of pregnancy. At the same time both feel that they have to live up to the first night fantasy as depicted in novels and movies. With so many uncertainties and anxieties, it becomes impossible for a couple to enjoy one of the most profound experiences of their life. I strongly recommend youngsters to avoid sexual intercourse on the first night, particularly in arranged marriages. There is nothing wrong if the couple decides on their own to postpone their first sexual intercourse after the marriage till both of them are physically and emotionally relaxed, instead of rushing in to fulfill the common expectation of the first night (suhaag raat). They lose

nothing, but they may gain a great deal of mutual love and respect, which can then become a foundation of a happy married life.

Growth of a beard or moustache

I am 20-year-old man. I do not have a moustache and beard. I am ver y much disturbed about it. Am I abnormal? Growth of a beard or moustache may be delayed in some men. If other secondary sexual characteristics have developed normally, such as growth of pubic hair and hair in the armpits, cracking of the voice or growth of the genitals, and if the body structure has developed like a ‘man’, there is absolutely no reason to worry. You may get your ‘Serum Testosterone’ level checked. If it is normal, do not worry. Growth of a beard and moustache also depends on your hereditary pattern and may be delayed as a variation of normal. Heart To Heart Counselling Centre runs Certificate courses in Counselling & Sex Education at 10 Jerbai Baug, Byculla (E), Mumbai-27. Tel: 22184528 / 9821093902. Email: hthindia@gmail.com www.hearttoheartindia.net

What the cards say: There could be irksome delays. Path: Accept what fate has to offer gracefully. Don’t react but be humble and see where you have gone

wrong. Ally: Your ally this week will be analytical Virgo who will make you understand. Avoid erratic Leo who could make you react. Card for the week: Tarot key no VIII The Strength will show you how faith and endurance will win the day. Listen to wisdom and let go of the ego.

January 19-25 Monday to u S nday

For consultation and Tarot workshop on Self Development, Healing and Meditation with Dr. Roopa Patel, contact Jumana on 9892943044 or 9821111261 email roopapatel5@gmail.com

What the cards say: Anxiety Path: Open your eyes and see the reality. Don’t chase power but love. Ally: Water sign Pisces will show you compassion. Stay away from Aquarius who could rock the boat for you with radical ideas. Card for the week: Tarot Key The Devil. Negative emotions will raise their ugly heads. You need to open yourself to spiritual influenced. Be open and flexible and you will gain.

What the cards say: Time to take stock. Path: Let the painful emotions go. Don’t cling to the past but look to a new future. Ally: The water sign Pisces will show you acceptance and intuitive insight. Don’t tangle with Scorpio. Card for the week: Tarot key no XIII Death. Shows the change brewing within and without . Soon new energy will make you unbeatable. Death does not mean literal death. It only means change, so don’t worry.

What the cards say: See yourself as you truly are without any fooling of yourself . Path: Honest and heartfelt repentance is the only way forward. Don’t be stuck or rigid. Allow the transformation to happen. Ally: The sign Gemini will pick up your problem and will give good advice. Be careful of Cancer who could make you live in imagination and make believe. Card for the week: Tarot Key no VIII The Strength. You need inner courage to face yourself. You are invited to realise your true strength, give up cowardice and face truths of your life. After that will come the healing.

What the cards say: The advantage disappears. Path: Be willing to be a part of the larger whole. Don’t hold on. Give and share. Ally: The Sensible Capricorn will make you see where you are going wrong. Card for the week: Tarot key no XX Judgment. Be right and be fair and you will win the game

What the cards say: A week of anxiety. Path: Face the uncertainty. Don’t be worried about tomorrow. Ally: Seek advise from a Scorpio who will know to calm you down. Don’t confide in Aries or all your secrets will be out. Card for the week: Tarot Key no II The High Priestess. A time for paying attention to the inner life and non-material things.

New battle fronts emerge in Bihar

Afternoon Despatch & Courier www.afternoondc.in

MUMBAI | MONDAY, JANUARY 19, 2015

By Saroj Kumar Singh

he resounding victory of the BJP in the Jharkhand assembly elections has laid down a new playing board for politics in Bihar. While the blueprint of this game was drawn soon after Narendra Modi became the Prime Minister, a wait was on for the Jharkhand election result. Soon after the result, the political temperature of the State was certain to rise, and so it happened. Round of meetings are on behind closed doors and the most restlessness is being seen on the BJP’s side. To achieve its Mission 175 plus, the BJP has unleashed its horses in all directions. From strengthening the organisation to the work of priming booth level preparations – all this is already being done. A series of worker meetings and small rallies were also scheduled to start from the second week of January. In the third week of January, Amit Shah was scheduled to come to Bihar to review preparations. Shah will hold 37 rallies in Bihar. Usually, all parties do this, but this is BJP's special strategy for Bihar. A special team of the BJP is busy completing another important mission. The responsibility of this team is to ‘break’ the leaders of stature in Nitish Kumar’s Janata Dal United. The surprising thing is that rebel MLAs of the JD (U) are helping the BJP in this. In a secret manner attempts are being made to bring leaders with a big mass base on its side. In this Mission, full attention is also being paid to caste equations. The motive of the Mission is that through ‘saam-daam-dand-bhed’ (the four methods of dealing with people in general and enemies in particular as specified in the indian diplomatic tradition. Actually, there are four ways of making someone to do a task, stated as ‘Saam, Daam, Dand and Bhed’. This sutra by Acharya Chanakya is used worldwide.), the JD(U) should be broken and a message given to people that in the ruling camp there is a lot of hustle-bustle because the BJP is going to form the next government. One of the motives of the Mission is to give out a message to leaders in two minds between ‘yes’ and ‘no’ that there is a strong possibility of victory for the BJP, so waiting would not be a smart idea or move. Join us, and lay the foundation of a strong government in Bihar. From the side of the BJP, there is also an indication to its alliance partners that they can include in their camp those who for some reason find difficulty in joining the BJP. It is on this line that the Lok Janshakti Party (LJP) and the Rashtriya Lok Samata Party’s (RLSP) homework is on. If informed sources are to be believed, then the BJP has started the work of taking at least half a dozen JD(U) ministers into confidence. It is being said that these leaders of the JD (U) feel that the way the results have gone in Jharkhand, nothing different from that is going to happen in Bihar. Everybody is accepting that after the resignation of Nitish, the clout of the Bihar Government has reduced. And the truth is that Nitish’s condition is like that of

Arvind Kejriwal in Delhi. People feel that Nitish, to save his credibility, has put the state at stake. People were happy with Nitish’s rule. Positive changes were taking place. Nitish had been completely successful in ending people’s despair. If today he would have been the

CM, Nitish has placed a bet on the wrong horse. The situation now is that if the BJP wins in Delhi in the assembly elections, then in Bihar its confidence will be on cloud seven. And if in Delhi the BJP loses, then Bihar’s election can prove to be a Waterloo for it. It is said that Nitish Kumar him-

is going to come after ‘Kharmas’ (inauspicious period from December 16, 2014 to January 14, 2015). There is talk that after the ‘Kharmas’, the JD(U) and the RJD may merge. Nitish and Lalu Yadav, both are busy in drawing this line. If this dream of both these leaders comes true, then for some leaders

Amit Shah

Nitish Kumar

Lalu Prasad Yadav

Chief Minister, then his situation would have been much better and he alone by himself would have been in a situation to give a fight to the BJP. But Jitan Ram Manjhi has changed the whole situation. Manjhi’s government is a lax government. Due to his controversial statements, Manjhi has intentionally or unintentionally angered the backward castes. Apart from this a lot of leaders of the Dalits and backward castes feel that they would have proved to be much better as Chief Minister than Manjhi. By making Manjhi the

self feels that some lapses have occurred. The two centers of power which was being talked about earlier in hushed tones are now being spoken about openly. This is the reason that inside the JD(U) too there is different-different mobilisation. These are conditions which in the coming elections will reduce the possibility of victory for JD(U) leaders. In an election year, this kind of atmosphere inside the party has made many big leaders of the JD(U) restless. This problem is there already, but the real trouble

of both the JD(U) and RJD the days ahead are certain to get soured. In the current assembly, 70 MLAs of JD(U) are such who in a one to one fight have been elected after defeating RJD candidates. Meaning that at least on these 70 seats, two candidates will be strong contenders for ticket. That is why it is certain that good days are going to end for these 70 leaders. Out of them some may be of the JD(U) and some of the RJD. In these 70 leaders, some Ministers of the JD(U) are also included.

Pappu Yadav – a hero or a villain? P

APPU YADAV is a name regarding which there have always been different perceptions in society. During the Mandal campaign, he was a hero of one section, a villain of another section. When that era ended, then Pappu went behind bars. Because of this there was almost a full stop to his political activities. In 1994 he formed a non-political organisation – Yuva Shakti – which made society aware of Pappu Yadav’s sentiments. Pappu Yadav came out of jail and in the Lok Sabha elections not only did he himself win, his wife also became an MP from Supaul. This couple’s victory despite the Modi wave surprised political pundits. In a wave in which big veterans lost, Pappu Yadav presented an unmatched example of his political skills and election management and registered a victory. This has raised his stature considerably. Pappu Yadav is now going around the whole of Bihar. Although issues like corruption, broker culture, unreined bureaucracy, a small State and poor health services are on Pappu’s agenda, these days he is running quite an aggressive campaign against the private practice of doctors. After January 14 Pappu Yadav is going to conduct two meetings in every district. After that, he plans to hold a big rally in Patna. The irony is that in all these campaigns Pappu Yadav is not getting the support of his party –

NOTES FROM NEW DELHI

the RJD. On this question Pappu Yadav says that we are moving forward with the RJD ideology, now the party has to decide in which form it sees my cam-

paigns. Lalu Yadav’s problem is that he knows that now amongst the youth there is no craze for him. His worry also is that now he can’t contest the elections, he cannot become the claimant for the CM’s post. Given these factors, the worry of taking forward his party is also there. He is promoting his son, but not much effect of this is being seen. On the other side, Pappu Yadav wants to emerge as the biggest leader of Yadavs in Bihar and it is this that is a matter of concern for the RJD. Pappu also questions the Manjhi government. He says that some of his Ministers patronise the broker culture. Pappu Yadav these days is also giving advice to Dalit victims of religious conversion. Pappu Yadav knows very well how to keep a step ahead politically. After Lalu who is the leader of the Yadavs? When this question comes up in discussion on street

corners, then Pappu is seen much ahead of anyone else. Pappu is not leaving any stone unturned to become the leader of the almost 18 per cent Yadav population of Bihar. However, he says that I never do politics of caste, I always talk about community (jamat). But it is true that Pappu is now gradually becoming acceptable among the Yadavs. After Kosi, Seemanchal and Ang in Bihar, Pappu has now started stretching his legs in Mithilanchal. Coming from an Anand Margi background, Pappu is the ‘solicitor’ or champion of a small state. In recent days when Pappu went to Bisfi, the birthplace of legendary Maithili poet Vidyapati, amongst Maithil Brahmins he gave a speech in their language and that made everyone happy. Maithils liked the speech of Pappu Yadav in Maithili and the politics of Mithila State has gained strength. Pappu Yadav says that the land of Kosi and Mithila, inspite of being fertile has always remained exploited and neglected. Hence for social, economic and educational development, he is a supporter of a Maithili State. Pappu says that after running a social awareness campaign he is in a mood to do a big campaign in Bihar. Actually, Pappu is in discussions these days regarding his campaign. Not only his supporters but his opponents as well have started praising Pappu.

DILLI KA BABU Cadre wars

BEING the capital of two States and a Union Territory, Chandigarh witnesses a constant power tussle between babus of Punjab, Haryana and the UT cadre, due to the rather unique 60:40 ratio in posts filled from among IAS, IPS and State-cadre officers coming on deputation to the UT. This 'ideal' ratio however often tilts in favour of one State or the other, upsetting the balance and creating controversies that often linger. But newly appointed advisor to the UT Chandigarh administration Vijay Kumar Dev hopes to put an end to the bickering. In his maiden interaction with UT babus he took a tough line, sternly telling them to leave their parent cadres behind while serving on deputation in Chandigarh. All well and good, but sources say, the meeting also saw many Haryana cadre IAS officers complain about being 'sidelined' in Chandigarh in terms of portfolios at the expense of UT or Punjab cadre officers. Dev will clearly have to address the 'deeprooted' issues at the earliest if he wishes to see an end to these cadre rivalries.

Deputation blues

WITH 28 IAS officers from the State cadre already serving at the Centre on deputation, Himachal Pradesh Chief Minister Virbhadra Singh is reluctant to allow more officials to leave the State. Sources say three additional chief secretaries – Tarun Sridhar, Vineet Chawdhry and Upma Chawdhry – have put in requests to the CM’s office for deputation, despite their earlier applications being rejected. The Chief Minister is unlikely to acquiesce to these new requests, say sources. It is clear that the Himachal Pradesh Government is facing a shortage of IAS officers. Perhaps the latest decision was taken when secretary-level IAS officers Ali Raza Rizvi, Sanjay Murthy, Bharat Kera and Amandeep Garg, among a few others, proceeded on Central deputation. This exodus has obviously made matters more difficult. Meanwhile, Singh is now determined to bring back the babus whose deputation term is ending. His determined stand has certainly dashed the deputation dreams hopes of many other babus who were readying their applications, at least for some time.

Rare comeback

HOW fortunes turn! Anand Kulkarni, a senior IAS officer who once headed the protocol, tourism and excise departments during then Chief Minister Prithviraj Chavan’s tenure, and had fallen from grace and shunted off to head the nondescript Maharashtra State Finance Corporation (MSFC) is back in the reckoning again. Chief Minister Devendra Fadnavis has resuscitated the once-high flying babu’s career by rehabilitating him in the public works department in the rank of additional chief secretary! In Maharashtra’s babu circles popular lore has it that officials who fall foul of the Government of the day are banished to insignificant positions. That has been the fate of many babus, including Anand. But not all have been able to retrieve lost ground. Rather they tend to fade out. Anand however seems to have Lady Luck on his side. — Dilip Cherian

Afternoon Despatch & Courier

COFFEEBREAK

CRYPTIC CROSSWORD 898

ENIGMA CODE 898

ACROSS: 8 Mislay fish, perhaps (4) 9 Conceivable I'm able to hold a gin! (10) 10 Consents, but will be a long time coming round again (6) 11 They won't get you very far on the dance floor (3-5) 12 Fancy being seen with that chap! (4) 13 Girl Antony altered unknowingly (10) 17 How we know queen, say, is content? (4) 18 A possibility of power? (5) 19 Change for Victor first coming in contact with mad Ray (4) 20 Popular all the time? You amaze me! (4,1,5) 22 Bird, cut up and smoked (4) 23 Possibly saw a bad-tempered swipe (8) 27 A procedure that doth me inspire (6) 28 Game enough to serve up the rear part of a side of bacon (10) 29 A number can end in E (4) DOWN: 1 Crude dwelling in a brawl ! (5,5) 2 Having paid, he recovers (8) 3 Easy to identify him as a literary hero (10) 4 Many a teetotaller can appear dull (4) 5 Artist putting raised border round (4) 6 Early pressman (6) 7 Elaborately-attired man, about fifty, is a failure (4) 14 Semi-desert area, say, in western half of Nevada (5) 15 One doesn't go to work in this (10) 16 Land one "roo" in Exmoor for this Blackmore heroine (5,5)

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Each colour in our code represents a letter. When you have cracked the code you will be able to make up seven words. The clue to first word is given to help you get started. The Clue: Points the finger at

SOLUTION TO FRIDAY’S ENIGMA CODE STROKE, RESORT, TERROR, STOKER, RETOOK, SETTER, ROSTER

M M

MATH PYRAMID 898 19 Putting six into position when dropping in (8) 21 First Liberated States, also known as African Capital (6)

24 Lots of sheets are spread on top of mangle (4) 25 Autocrat right out of niceness (4) 26 Grave cat, second class (4)

SOLUTION TO FRIDAY’S CRYPTIC CROSSWORD ACROSS: 6 Flatten, 7 Pooch, 9 Wave, 10 Powerfully, 11 Glimmers, 13 Inched, 15 Rhys, 17 Prong, 18 Mess, 19 Walnut, 20 Kindness, 23 Night-light, 26 Dory, 27 Gulls, 28 Ringway. DOWN: 1 James Mason, 2 Staple, 3 Know, 4 Sparking, 5 Tolu, 6 Frail, 8 Helmets, 12 Snook, 14 Coming down, 16 Heading, 17 Pathless, 21 Natant, 22 Sorry, 24 Hilt, 25 Girt.

QUICK CROSS 898

ACROSS: 1 Red, Black or Yellow (3) 4 A thick, dark oily liquid (3) 5 Bihar, for one (5) 7 A child's plaything (3) 8 Phobos and Deimos (5) 10 ___ down : humiliated (3) 11 Firmament (3)

The goal of Math Pyramid is to fill the given pyramid with numbers such that the following three rules are satisfied. 1. A cell value must be sum or difference of the two cells below 2. A row cannot have duplicate numbers 3. A number cannot be less than 1 or more than the grid size

M M M

FRIDAY’S SOLUTION

DOWN: 1 Remains behind (5) 2 Be corrosive (3) 3 "__ you ready?" (3) 5 ___-faced, expressionless (5) 6 2,000 pounds (3) 8 Fem. title (3) 9 Acorn maker (3)

HIDATO 898

The goal of Hidato is to fill the grid with consecutive numbers that connect horizontally, vertically, or diagonally from first to the last number in the grid. The first and last numbers of a puzzle and a some other numbers are already filled in. FRIDAY’S SOLUTION

MATHDOKU 898

Place numbers into the puzzle cells in such a way that each row and column contains each of the digits from 1 up to the size of the puzzle (4,5 or 6). Like a Sudoku puzzle, no number is repeated in any row or column. Each bold-outlined group of cells contains a hint consisting of a number and one of the mathematical symbols + x - /. The number is the result of applying the mathematical operation represented by the symbol to the digits contained within the domain. The solution to each puzzle is arrived at logically and is unique. FRIDAY’S SOLUTION

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MUMBAI | MONDAY, JANUARY 19, 2015

TIGER BUD BLAKE

TODAYâ&#x20AC;&#x2122;S FORECAST

JAGJIT UPPAL

WIZARD OF ID PARKER & HART

B.C. JOHNNY HART

BEAU PEEP THE ADVENTURES OF LEGIONNAIRE BEAU PEEP

FRED BASSET ALEX GRAHAM

PHANTOM LEE FALK

MODESTY BLAISE PETER Oâ&#x20AC;&#x2122;DONNELL

COFFEEBREAK MOON TITHI NAKSHATRA RASHI LUCKY COLOUR LUCKY NUMBER

: : : : : :

Sagittarius Amavasya from 9.59 p.m. Purvashada Dhan (Sagittarius) Bh.Dh.F. Variegated and Black 9

BIRTHDAY FORECAST: A profitable period ahead. Work target is achieved after persistent efforts and struggle. You will increase your profits by bringing about certain radical changes in your work strategy. Students are advised to put in extra effort in order to make the grade. Home and personal relationships will cause anxiety. The married will go through periods of tension and occasional separation. Your health will be fine. BABIES BORN TODAY: Good looking, healthy and long-lived. Will be generally fortunate, intelligent and a go-getter. Will be fond of outdoor activities and friends. Humble, honest and adaptable. Does well in most fields especially medicine, media, communication, philosophy and occult services. Success from overseas is indicated. ARIES (March 21 - April 20): You will be in the mood to take a few chances today. If you are positive and confident about your aims and aspirations do not hesitate to take risks. A good business proposal is worth considering. If you expect much from your beloved in a love affair you have to first learn to give. A happy relationship is a two-way fare.

TAURUS (April 21 - May 20): You will have a very busy today, though you may not achieve much. If you have to wait a bit longer for rewards, it would be worth it. Be careful when signing agreements or contracts. You have tendency to trust the wrong kind of people. Remain alert. Your mate may caution you on the choice of friends. It may be difficult for you to see reason at the moment.

GEMINI (May 21 - June 20): Look forward to fresh alliances in new business ventures. Those working independently or as consultants will get a major contract. Meetings and negotiations for proposals scheduled for today will yield good results. You can expect an immediate response. A new friendship can create problems with a close associate who is very possessive about you. Handle the situation tactfully.

CANCER (June 21 - July 21): If confronted with difficult situation, take time off to think about it. You are sure to find a suitable answer to your problem. You feel intuitively about someone, or some work, but are not able to rationalize your feelings. Follow your instinct and you will be right. The atmosphere at home could be harmonious provided you set aside your ego be more flexible and give up a rigid attitude.

LEO (July 22 - August 21): New opportunities offer better prospects for growth in your career. There could be some more lucrative inquiries from overseas, which are worth considering. Students will receive good news concerning a training program or their selection for a cultural event. Those in love have a strong bond and share intimate moments of togetherness in each others company. Domestic affairs run smoothly.

VIRGO (August 22 - September 21): Financial gains are predicted. Some of you will travel overseas on work or expand your business in a foreign country. You should put your plans into action and take personal interest in concluding your task. Try to improve your relations with others. Love life looks good. The married will enjoy domestic felicity and those in love and eligible are likely to get married soon.

SAGITTARIUS (November 22 December 20): Gains are indicated but expenses are heavy. You are sure to find a suitable answer to your problem that may require travel overseas. Speculative trading or investment in a game of chance will prove to be fruitful. Profits are also likely from quick business transactions. You are missing the delights of romance, more due to the absence of your mate or beloved. Avoid seeking attention elsewhere.

CAPRICORN (December 21 January 19): It will be difficult for you to take a decision today on a matter, which you are not familiar with. It would be wiser to consult someone who knows or has adequate background and whose advice can be useful. Be careful with your finances and check an urge to splurge money. The object of your affections seems to be in a bad mood. Perhaps you are trying too hard to change the person. Accept them for what they are.

LIBRA (September 22 - October 22): Do not undertake any assignment that requires urgent attention and that has certain past liabilities. Perhaps it has something to do with a labor problem, which you will not be able to resolve without spending a large amount of money and also wasting a lot of your precious time. It would be better to restrict your activities to routine work.

AQUARIUS (January 20 - February 18): You will have a busy day with lots of minor issues to attend to. You may even have to travel long distance to follow up work. You could get into trouble for delays which are out of your control. Do not get upset over criticism for matters will improve shortly. You are attracted to someone where a future is not likely for various reasons. You also run the risk of hurting a lot of people, which is not worth it.

SCORPIO (October 23 - November 21): You will get down to serious thinking about your future. Start with joining a training program to give a boost to your career. Sanction for seeking a loan for a fresh project will materialize. Your hunch regarding a certain deal or investment will lead to gains. A chance encounter with an attractive person of the opposite sex at a place of entertainment could bring about a romantic interest.

PISCES (February 19 - March 20): Seek short-term benefits. You are likely to gain through speculative ventures. However, you have to be quick in concluding the task as early as possible. You will sign new agreements and contracts on profitable terms. Make sure that all paperwork is in order. You will be spending more time with the family, which will help to strengthen relationships. New associations have a promising future.

COFFEEBREAK

QUICK CROSSWORD 5179 ACROSS: 1 Island in SW Japan (6) 7 Ex-Indian opening batsman and captain - a legend (8) 8 Roman France (4) 10 Crevice (6) 11 Air Traffic Control Radar Beacon Sys. (6) 14 Limited in short? (3) 16 The relationship between two things in amount, size, or degree (5) 17 Bump off (4) 19 To fetch __ ___ of water : Jack & Jill's objective? (1,4) 21 Collapse (5) 22 "I can take __!" (1,4) 23 ____ Chappell : younger brother of Ian? (4) 26 A distant view (5) 28 French vineyard -"cur" anagram? (3) 29 Emphasize (6) 30 Able to function, grow normally (6) 31 Bitsy beginning (4) 32 Ms Chopra recently seen in and as Mary Kom (8) 33 Also-rans (6) DOWN: 1 ___ out : defeats one's boxing opponent? (6) 2 A crudely built hut or cabin (6) 3 Repulsive or offensive to sight (4) 4 Magic spell (7) 5 Go around the edge of (5) 6 "You _ _ right!" (5) 8 Festive occasion (4) 9 And for the German (3) 12 Mr. Coolidge (3)

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SUDOKU 2365 Sudoku is a number placing puzzle based on a 9x9 grid such several given numbers.To solve a Sudoku puzzle, every digit from 1 to 9 must appear in each of the nine vertical columns, in each of the nine horizontal rows and in each of the nine boxes.

SATURDAY’S SOLUTION

Difficulty Level:

13 Worthless ideas (5) 15 Pluck (5) 18 Playful (5) 19 The People's Champ (3) 20 Invoice fig. (3) 21 Jaikishan's musical counterpart (7) 22 Consumed - "tea" anagram? (3) 23 Understands the meaning or hid-

den significance of? (6) 24 Red gemstone (4) 25 Putting surfaces (6) 26 Female counterparts of villains? (5) 27 Curtain fabric (5) 28 Op. __ (3) 30 A small glass bottle containing medicine (4)

SOLUTION TO SATURDAY’S QUICK CROSSWORD ACROSS: 1 Scrim, 6 Moans, 9 Disdain, 10 Genii, 11 Nutty, 12 Tends, 13 Thimphu, 15 Rio, 17 Ross, 18 Medico, 19 Divot, 20 Abates, 22 Wasp, 24 Duc, 25 Rudolph, 26 Top up, 27 Churl, 28 Idiot, 29 Ivanhoe, 30 Plume, 31 Unite. DOWN: 2 Coelho, 3 Idioms, 4 MII, 5 Adieu, 6 Mindset, 7 Onus, 8 Nitric, 12 Thais, 13 Tread, 14 Isaac, 15 Riyal, 16 Oomph, 18 Mop up, 19 Devolve, 21 Bushel, 22 Wooden, 23 Sprout, 25 Ruins, 26 Trim, 28 I o u.

IRREGULAR SUDOKU 2184 To solve an Irregular Sudoku puzzle, every digit must appear once in: Each of the vertical columns Each of the horizontal rows Each of the regions

Afternoon Despatch & Courier

SATURDAY’S SOLUTION

CRYPTOQUIP

Today’s clue: K equals T

The Cryptoquip is a substitution cipher in which one letter stands for another.

H P F K L

K M D T Q A J O K

O J

F D K M

X T T L B X T W P P R X I J C P

X U P

L H

I X U E

M X U V P U

K M X T

K M P

Q L L V K F X D T

SATURDAY’S SOLUTION: Idealism is what precedes experience; cynicism is what follows

Afternoon WORD MINE

U T

How many words of four or more letters can you make from the letters shown in today’s puzzle? In making a word, each letter may be used once only. Each word must contain the letter at the top of the pyramid. There should be at least one nine letter word. Plurals, foreign words and proper names are not allowed. Today’s ratings: 30 average; 33 good; 36 outstanding. SATURDAY’S SOLUTION: COMPONENT, compote, coop, cope, mope, open, peon, poem, poet, tempo, tope.

HEATHCLIFF

Saturday’s

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ROHITâ&#x20AC;&#x2122;S TON GOES IN VAIN SPORTS

MUMBAI | MONDAY, JANUARY 19, 2015

Dhoni attributes lacklustre new ball bowling for Indiaâ&#x20AC;&#x2122;s loss

MELBOURNE: Indian captain Mahendra Singh today conceded that his side lost the plot in the early overs with new ball bowlers failing to make a mark in their tense fourwicket loss against Australia in their cricket triseries match here. "It was a good match overall and Mitchell Starc (6/43) bowled really well. Rohit Sharma also played a brilliant innings. But what was crucial was bowling with the new ball. The game was just drifting till the 30th over, but we picked up at the 35th over and once we got reverse swing, we were able to put pressure," Dhoni said after Australia chased down the target of 268 with one overs to go. Australia were cruising at 196 for two at the end of the 35th over, needing just 70-odd runs with eight wickets in hand and 15 overs left but a late fightback by the Indians gave the home side some jitters with the match going down to the penultimate over. Dhoni said he told the players later on that the team needs to execute plans if it wants to win tournaments. "I said I don't care about the result, just keep in mind what happened after the last huddle. That will win us tournaments. We have to keep in mind that from now on, whatever games we play we need to execute," Dhoni said. He also said the toporder batsmen should take more responsibilty so that the bowlers have runs on the board to defend. "All three teams are top sides and it's important for the top order to take extra responsibility and give a total our bowlers are comfortable with it," he said. Asked what could be the defendable score generally in one-day internationals these days, Dhoni said, "A lot depends on conditions, about how the wicket is behaving, specially with drop-in wickets.

Rohit Sharma during his knock of 138 runs against Australia.

By Chetan Narula

ELBOURNE: Rohit Sharma's rollicking century went in vain as Australia survived a few anxious moments before pulling off a tense fourwicket win over India in a cricket Tri-series ODI match. After opener Aaron Finch's confident 96-run knock, Australia were placed comfortably at 216 for two in a chase of 268 but India staged a late comeback by taking three quick wickets. India dismissed Steve Smith (47), Finch and George Bailey (5) in a gap of 23 balls to raise hopes of a turnaround but Brad Haddin (13) and James Faulkner (9) batted sensibly to deny India a dramatic finish. The hosts ended at 269 for six in exactly 49 overs with Faulknar dispatching a Buvneshwar Kumar full-toss to boundary ropes for winning runs. Electing to bat India had posted 267 for eight, built around Sharma's 138-run knock, his sixth One-day hundred. He blasted nine boundaries and four sixes in 139 balls to score his third century against Australia. The Mumbaikar put on 126

runs for the fourth wicket with Suresh Raina (51) even as Australian paceman Mitchell Starc produced a fine bowling display to pick 6-43 in his 10 overs. Australia began their chase in a confident manner with Finch and David Warner (24) putting on 51 for the first wicket. Umesh Yadav broke the stand by dismissing Warner but seasoned Shane Watson lent solidity to the Australian innings with his 41. Yadav denied Finch his sixth ODI hundred by having the batsman caught behind but at that time Australia were only 49 runs away from the victory target. Finch controlled his 127-

ball innings well, hitting five shots to the fence and two over the ropes. Smith (47), Watson and Glenn Maxwell (20) did not score big but their contributions proved crucial for Australia, who had also beaten England in the tri-series opener on Friday. BRIEF SCORES: India 267/8 in 50 overs [Rohit Sharma 138, Suresh Raina 51, Mitchell Starc 6/43] lost to Australia 269/6 in 49 overs [Aaron Finch 96] by four wickets.

Brief verbal spat between Sharma & Warner

MELBOURNE: Tempers flared once again during the second one-dayer of the ongoing cricket tri-series when Indian opener Rohit Sharma and Australian batsman David Warner got involved in a verbal exchange at the MCG. The incident happened in the 23rd over of India's innings, when Sharma pushed a James Faulkner delivery to mid-off and Warner threw the ball towards the striker's end but the ball went through Sharma's legs and

wicket-keeper Brad Haddin missed it as India stole a single. Warner and Sharma were then engaged in a verbal spat for a brief time after the opener ran for an overthrow. In the end, it took the umpires a fair few minutes to separate the two of them. The four-match Test series, which preceded the tri-series, was also marred by incidents of altercation between Indian and Australian players, including Virat Kohli, Warner and Mitchell Johnson.

Australian pacer Mitchell Starc scalped six wickets against India.

India will take on England in their second match on Tuesday and again square off against Australia on January 26. Australia's chase looked on course but things went awry in the 40th over with the loss of Smith, who swatted a slower short-delivery from Mohammed Shami straight to R Ashwin at mid-wicket. It sparked a mini-collapse as Finch was dismissed by Yadav in the very next over and Ashwin had Bailey stumped. Shami hobbled off with a possible knee-injury in the 47th over and Bhuvneshwar Kumar (1-44) gleefully accepted a lobbed up return catch to dismiss Glenn Maxwell (20). It looked like a closer finish than expected but Faulkner and Haddin held their nerves to romp home. Earlier, India had a horrendous start as they were reduced to 59 for three in 12.5 overs. Opener Shikhar Dhawan (2) was removed in the first over of the innings itself, caught at second slip off Starc. Ajinkya Rahane (12) had been listed to bat at number four in the team-sheets but he came out at the fall of the first wicket. He put on 30 runs for the 2nd wicket with Rohit.

India, South Africa biggest challenger to Aus in WC: Chappell M

ELBOURNE: Not too pleased with a couple of selection decisions in the Australian cricket squad for the ODI World Cup, former captain Ian Chappell said the home side will find its toughest competition in India and South Africa during the marquee event starting February 14. "Australia's biggest challenges will come from South Africa and India, with New Zealand a dark horse under

the aggressive leadership of Brendon McCullum," Chappell wrote in his column for 'The Daily Telegraph'. "Australia is superior to all but India's powerful line-up in batting and the pace bowling is the equal of South Africa's talented triumvirate and better than the rest. Its fielding, which will be important on Australia's bigger grounds, is athletic and includes some strong arms," he explained.

Chappell said spin bowling remains a concern for the Australians, who decided not to include a specialist leg-spinner for the mega-event. "I only have two quibbles with the chosen World Cup squad of 15: the non-selection of a leg-spinner and Steve Smith not being vice-captain to take over in a situation where Michael Clarke doesn't make the fitness deadline," Chappell said.

"The one area where Australia can be bettered is in spin bowling. As the summer heats up and the pitches are subjected to more wear and tear, this may become a factor and Australia's Achilles heel against spin is its biggest concern going into this World Cup," he said. Chappell said the selectors should have also given the captaincy to newlyappointed Test skipper Steve Smith. "George Bailey doesn't

make Australia's best side, which means if Clarke breaks down during a game then (Test captain Steve) Smith will take over the captaincy. Why wouldn't Smith then remain as captain of the side in Clarke's continued absence? "By choosing Bailey, the selectors may create a situation where, during the World Cup campaign, the captaincy could resemble a game of musical chairs," he opined.

ETHIOPIANS EDGE OUT KENYANS IN MARATHON

SPORTS

Barefoot runner loses time after competing with shoes

By Neil Joshi

MUMBAI: Supriya Patil daughter of a farmer from Uran, a distant place away from Mumbai brought up her maiden third place win in yesterday's Mumbai marathon in the 21 kilometres run. This win for her was unique as she was competing in a half marathon wearing shoes for the first time. Running was introduced by Patil's coach Dilip Patil who got her enrolled in a local gymkhanna in Uran itself. However, she started practicing running barefooted at a very early age and didn't wear shoes for long distance road running. “I never wore shoes for running a marathon. This is the first time I did so. I was feeling quite uncomfortable in shoes as I had sustained a minor injury few days ago and that was hurting my feet. Hadn'n that injury occurred, I would have continued running barefooted. I guess, that is my comfort zone,” said Supriya who clocked one hour 26 minutes 48 seconds in yesterday's half marathon. However, it is only for the marathon that she abandons the pair of shoes and wears them while competing in other athletic events. “Where I stay there was’nt any ground for me to train. So I use to run on the road. But when I started competing in other running events, I used shoes,” said the 23-yearold girl whose last best was three years ago where she stood third. She also participated in the full marathon last year, but due to lack of competition, she chose the shorter version of the run.

By Neil Joshi

Abera clocked two hours nine minutes 46 seconds as UMBAI: After a clean he dominated the second sweep in the 2014 half of the race with ease. The Mumbai Marathon, early morning cool vanished Ethiopians ruled the roost in soon after the race comboth men's and women's cat- menced from Chhatrapati egory in the Mumbai Shivaji Terminus as the paceMarathon held on Sunday setters started to gather mowith top finisher Tesfaye mentum and it appeared that Abera failing to break the they would be in a position to course record set last year by push the lot for better timEvan Ruto of Kenya. Ruto ings. completed the race in third In the women's race, it was place while Dereje Debele Mekash Dinknesh who suc[Ethiopia] finished second 45 cessfully defended her crown seconds behind race winner which saw a fall in the timAbera. ings due to the morning heat

which left many of the marathoners zapped and withdrawing from the race mid-way. The dominance of the Ethiopians was so much in the women's event that the top seven finishers were from that part. Dinknesh was followed by Kumeshi Sichala and Marta Megra. The Indian men's team disappointed with their performance as none of them could make the cut for the qualification for the Rio Olympics which was pegged at two hours and 18 minutes. Karan Singh won the race fol-

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MUMBAI | MONDAY, JANUARY 19, 2015 Azad Shrivastav | ADC

Tesfaye Abera, Dereje Debele [both Ethiopia] and Kenyan Luke Kibet lead the pack during Mumbai Marathon. lowed by debutant Arjun Pradhan. Like always, it was the elite runners, which were the attention seekers as they ran at a constant pace. It was a calculated move at the 30 kilometre mark by the top three who separated from the lot of 10 and created a huge gap on the return after they crossed the Bandra Worli sea-link. Aware of the hilly climb at Peddar Road and as the heat caught on, a decline of speed was noticed. However, Abera took a sprint in the final three kilometres in the hope of

breaking the course record. “I was running to break the record. Unfortunately, I failed to make it. However, I am quite happy with my performance and I will utilize my earning to build a house in my hometown,” said Abera. Mekash who won it for the second consecutive time said it was the heat which played the spoiler. “The run on the bridge took a lot of effort, which eventually led to slight cramping of my muscles. But I stood my ground and completed the race,” said Dinknesh.

Indian eves impress and book Beijing ticket By Neil Joshi

UMBAI: OP Jaisha, Lalita Babar and Sudha Singh achieved something which very few female marathon runners from India have achieved. Firstly, they showed a sharp improvement in their timings with Jaisha and Sudha ending up eighth and ninth respectively and then they also booked a place for the IAAF World Championship to be held in Beijing later this year. OP Jaisha running her debut marathon in Mumbai notched impressive timing of two hours 37 minutes 26 seconds while it was Lalita Babar who was considered slow off the blocks last year, found her feet and improved her timing by a splendid 12 minutes to finish second in the elite Indian standings and ninth overall. Sudha Singh who with Lalita Babar won a medal at the Asian Games showed

Sudha Singh, OP Jaisha and Lalita Babar during the awards ceremony after they won the Indian elite challenge. good character in her run. All the runners attributed their performance to coach Dr Nikolai Sresarev who has been working with Jaisha and Sudha for quite a while. With

this they would also travel for the New York marathon which has been sponsored by Tata Consultancy Services which will help them compete at an international stage.

I just hope that from next year, the marathon starts at least an hour earlier. It is just too hot for us to run and this opinion is shared by all the runners – Indian and foreigners. We would see a significant difference of at least two minutes and that can have a good impact on our confidence and we can take this momentum to other events also.

OP JAISHA INDIAN ELITE RUNNER

“I usually compete in the 1500, 3000 and 5000 metres. However, we prepared for this run for the past two months. I just hope that from next year, the marathon starts

at least an hour earlier. It is just too hot for us to run and this opinion is shared by all the runners – Indian and foreigners. We would see a significant difference of at least two minutes and that can have a good impact on our confidence and we can take this momentum to other events also,” said Jaisha. With this performance, the Kerala born Jaisha broke the 19-year-old national record earlier held by Vally Sathyabhama. “I was aware of her record and I am happy I surpassed it,” she said. Babar who is a steeplechase runner said that it was her belief in her coach Sresarev which helped her in improving her timings. “I am not a marathoner, I run steeplechase. But we believe in our coach. Even in Asian Games, we won a medal because of our belief in him. I have improved by 12 minutes, so I feel good about it,” said Babar.

DJOKOVIC, FEDERER VIE FOR FIVE AUSSIE OPEN CROWNS

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MUMBAI | MONDAY, JANUARY 19, 2015

ELBOURNE: Novak Djokovic and Roger Federer begin their quest for five Australian Open titles while Serena Williams is chasing her 19th Grand Slam crown in the year's first major starting today. World number one Djokovic looms as the player to beat in the men's draw having won four of the last seven Australian editions, and he holds an affinity with the hardcourts in Melbourne. "There are so many players who are contenders to win the title," said the Serb. "Considering the success that I had in my career in this tournament gives me enough reason and confidence to believe I can go far." While Djokovic has never lost a final in Melbourne, Federer will be again be the sentimental favourite at 33 years old, pursuing his 18th major title having not won one since Wimbledon 2012. "I would hope that over the years I've always improved. I think I'm serving more consistent and stronger than I ever have," Federer said. "I definitely think the racquet has helped me with that

Rafael Nadal of Spain serves as his coach and uncle Toni Nadal looks on during a training session at the Australian Open tennis championship in Melbourne on Sunday. as well, my concentration I do believe is there, better than it's ever been and I think my backhand is working better than it has in the past as well." There are question marks over Rafael Nadal's match fitness after playing few matches since Wimbledon last July following a wrist injury and later an appendectomy. Nadal suffered a shock defeat in his first match of the season in Doha to German

I Challenge You By Anant Bhagwat

The theme in this hand has been made famous by an equally famous man. I challenge you to find a solution to the problem

♠- 8 3 ♥- A 9 7 6 ♦-97542 ♣-Q7 ♠- K 7 ♠- 4 ♥- 9 5 3 ♥- K J 10 8 4 ♠- K Q J 10 ♦- 8 6 3 ♣- A 9 4 3 ♣- K 10 8 5 ♠- A Q J 10 9 6 5 2 ♥- 2 ♦- A ♣- J 6 2 West was dealer. He dealt & opened 1 diamond. East responded with 1 heart, & south closed the proceedings with 4 spades. West led the king of diamonds. How do you make 10 tricks? There are following ways to achieve that. 1) Ruff a club in dummy. (2) Finesse the spade King (3) establish a club trick. As you can see none of the plans will work. The moment you play a club from hand east will win with club King & fire back a trump. You can finesse but

west wins & draws the 2nd trump. So you lose 3 clubs & 1 spade. Alternatively you may win spade Ace & play a low club from hand, but west will win & cash the spade King removing dummy’s 2nd trump. Is there a way out of this

BRIDGE whirlpool? The method to make this contract is simple, that’s why it is difficult. Just go to dummy at trick 2 with Ace of hearts & play a low club towards your Jack. What can defence do? If east goes up with club King to play a trump you have established a club trick. If on the contrary east plays small, west is obliged to win over your Jack, but he cannot play a trump without sacrificing his trump trick. So he plays a diamond. You ruff & play another club. This time east can win & play a trump, but you can win & take a club ruff for your 10th trick. Either way you cannot be prevented from winning 10 tricks. Belladona the all time great player from Italy showed the world this play about 50 years ago

qualifier Michael Berrer on the way to Australia. "I am doing lot of practice and doing the things that we believe we have to do to recover our level," Nadal said. "Is true that having a Grand Slam this early in the season after injury like I've had is not the ideal thing. But here we are." Nadal has won 14 Grand Slams, but only won one of them in Australia where he also had two runner-up fin-

ishes, including in last year's final to Stan Wawrinka. Britain's Andy Murray has lost three finals in Melbourne and will have to get past Federer and Nadal to make his fourth. Defending champion Wawrinka, who shocked Djokovic in the quarter-finals on the way to winning last year, is a last start winner, having captured back-toback Chennai Opens on the way to Australia.

SPORTS

Advani trounces Sitwala to annex National Billiards title K

OLKATA: Indian ace Pankaj Advani routed his PSPB colleague and 'friend' Dhruv Sitwala 5-0 in a flawless display of potting en route to his seventh Senior National Billiards Championship at the Bengal Rowing Club. The holder of 12 world titles in various categories faced some resistance in the first frame when Sitwala posted 28 but thereafter it was a one-way traffic as the Bangalore lad posted successive breaks of 150 and 153 for a clean sweep. "I was feeling on top of the world after posting back to back 150s because it does not happen very often. I'm extremely happy to produce my best game in the final," Advani said annexing his first national billiards title since 2012. "Those two 150s in the second and third frames really put the match away from him. It would have been a totally different game had he won the first frame." Sitwala's best came in the fourth frame when he posted a break of 81 but Advani was a notch higher as he scored 150 with ease before sealing the issue in the fifth with finesse. "It's the first tournament of the year. I'm happy with the way it folded for me. I

had a few tough games in the knockout stages, I'm extremely happy to come all the way and qualify for international tournaments." Advani also felt happy for his friend Sitwala to emerge second in the country. "He has snatched victory from the jaws of defeat in the previous round and performed extremely well under pressure. I'm happy to see him back where he belongs -- in the top of the rankings." "We share a lot of moments together tour, or any international tournament. We're quite friendly off the table. That he's praising me after losing 0-5 speaks volumes about his character, he's a true gentleman."

India's Rio berth was crucial for longevity of HHIL By Saumojyoti S Choudhury

EW DELHI: Australian hockey team captain Mark Knowles feels India's qualification for the 2016 Rio Olympics was "crucial" for the longevity of the Hero Hockey India League (HHIL), the third edition of which will begin on Janauary 22 in Bhubaneswar. Knowles believes, even

though it turned out to be a success, the first two editions of the HHIL was just the build up and the real challenge for the organisers from here on is to sustain the league. "The HHIL is very popular back home in Australia. There are about 21-22 Australian players who are playing in the league, so every match is keenly followed back home. There is a lot of support back home for the league," he said. "But what was crucial for

the league was India's qualification for the Rio Olympics. It was an important part for the sustainability of the league because it means there will be more fan following, more sponsors and support for league," Knowles, who plays for Jaypee Punjab Warriors, told PTI in an interview from Chandigarh. Knowles, a two-time World Cup winner and also the recipient of this year's International Hockey Federation

(FIH) Player of the Year award, has high regards for the present Indian team but feels the Sardar Singh-led side lacks consistency to excel at the higher stage. "The Indian team is getting better and better with every passing day. In the last couple of years they have become stronger. They won the Asian Games, won silver at the Commonwealth Games and finished fourth at the Champions Trophy," he said.

Coach hits out at Sports Ministry them. Without taking names, the coach said that he has written UMBAI: Launching a several letters in the past to scathing attack on the the sports ministry with the ministry of sports, Indian last letter in October 2014, athletic coach Dr. Nikolai Sre- asking for better nutrition, sarav lamented the second training and accommodation class treatment given to ath- for the athletes but was disletes who have the potential appointed with the reply of winning medals at the Rio which stated that facilities Olympics. would be provided equally Nikolai who is coaching for all classes. Mumbai marathon winnesr “How can a 19-20 year old OP Jaisha and Lalita Babar who is learning be compared said that the government has with someone who has won been spending crores of ru- medals in Asian Games. They pees in searching talent to are searching for talent from represent India at the highest the school and college level level but have failed in their and then they forget them. responsibility to nurture The sports minister needs to

By Neil Joshi

release funds for Olympic preparation,” said Sresarav. The coach said that he may not be liked by many due to his approach but the attitude in India prevents girls with potential to back-off due to wrong influence of people who aren't interested in competition. “These two girls are toppers. They should compete in the Olympics. There are so many motivated girls who are been demotivated,” he said. The coach who was also impressed with the performance of his wards yesterday said their timings would have been better had the race started early. “An early start

would not only help the Indian athletes but also the foreign ones. You get better timings as the sun is not up and the weather is conducive. Today, it was quite warm in the second half of the marathon. This demand of a time change should be seriously introspected if they want the game and timings to improve,” he added. A furious Nikolai also said he was ready to throw in his papers if the demand for the athletes are not met. “If they don’t want me then I am ready to leave if it helps them solve the problem or else I will just have to pay from own pocket.”

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