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By:

Kaustubh Kale

10 September 2024 at 11:37:15 pm

Fast Today, Prosper Tomorrow

AI Generated Image Navratri is a time when devotion, self-control, and celebration come together. For nine days, people across the country observe fasting, prayers, and rituals with discipline and faith. But beyond the spiritual significance, Navratri also carries valuable lessons for our financial lives - especially in how fasting and sacrifice mirror the principles of investing. Fasting as discipline When we fast, we consciously give up indulgence. It is not just about avoiding food; it...

Fast Today, Prosper Tomorrow

AI Generated Image Navratri is a time when devotion, self-control, and celebration come together. For nine days, people across the country observe fasting, prayers, and rituals with discipline and faith. But beyond the spiritual significance, Navratri also carries valuable lessons for our financial lives - especially in how fasting and sacrifice mirror the principles of investing. Fasting as discipline When we fast, we consciously give up indulgence. It is not just about avoiding food; it is also about training the mind and body to resist temptation. The same applies to investing. In a world full of instant gratification, whether it is the latest gadget, a fancy car, an expensive lifestyle or a luxury holiday, real wealth creation requires the discipline to sometimes say, “not now.” Just as fasting strengthens willpower, disciplined investing strengthens our financial health. Sacrifice for a greater good Navratri fasting involves small sacrifices today for spiritual growth tomorrow. In investing too, we often have to sacrifice some short-term pleasures to secure long-term prosperity. Choosing to invest a bonus instead of spending it entirely, or increasing SIPs using a portion of every salary increment instead of allocating the entire increase towards expenses and new liabilities, may feel like a sacrifice initially. But these small decisions, repeated over many years, can accumulate into significant future wealth and financial security. This is the very essence of delayed gratification. Patience and consistency Navratri fasting is not observed for just one day. The discipline continues throughout the nine days. Similarly, investing is not about one lucky trade or one successful investment. Wealth creation requires staying the course month after month and year after year through regular investing, sensible asset allocation and the power of compounding. There will inevitably be periods when markets test our patience. But just as discipline during Navratri is maintained throughout the festival, financial discipline must continue through both good and difficult market conditions. Balance and moderation Fasting during Navratri is not about starving. It is about moderation, restraint and mindful eating. Investing too should not be about extremes, neither reckless risk-taking nor excessive conservatism. A well-planned portfolio spread appropriately across assets such as equity, debt and gold can provide both growth and stability. Just as moderation keeps the body healthy, balance helps keep our finances resilient. The bigger picture Ultimately, Navratri fasting is also about purification of the body, mind and soul. Investing, in its own way, requires purification of financial habits: moving away from impulsive spending, unnecessary liabilities and short-term thinking towards purposeful saving and wealth creation. This Navratri, as you observe your fast with devotion and discipline, also resolve to bring the same qualities into your financial life. After all, both fasting and investing ask us to give up a little today in pursuit of something greater tomorrow. (The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)

Driving the change

Sep 23, 2025
3 min read

The nine days of Navratri celebrate goddesses who embody strength in different forms; valour, compassion, creativity, austerity, devotion, justice, protection, forgiveness and wisdom. In our annual Navratri series, we celebrate the lives of nine women who strive to build happy and safe spaces for themselves and those around them.


PART - 3


Name: Surekha Yadav | Where: Kolhapur, Maharashtra
Name: Surekha Yadav | Where: Kolhapur, Maharashtra

The history of Indian Railways spans more than 170 years, but only a few names shine as beacons of courage and transformation. One such name is Surekha Yadav, Asia’s first female loco pilot. When she will retire on September 30 after 36 years of service, she will be remembered not merely for her career highs but as a movement that redefined what women could aspire to achieve.


Born on September 2, 1965, in Satara, Maharashtra, Surekha grew up in a farming household as the eldest of five siblings. Responsibility came early, but so did resilience. From early childhood, Surekha displayed a keen interest in studies, especially in technical subjects—a field rarely pursued by girls at the time. At a time when girls’ education often ended at school, her parents encouraged her to pursue academics and she eventually earned a diploma in Electrical Engineering. This educational foundation, coupled with her family’s progressive outlook, gave her the courage to chase an unconventional dream. Her childhood reflects a blend of discipline, encouragement, and courage, which shaped her outlook and paved the way for her entry into a male-dominated profession.


When she applied to the Railway Recruitment Board in 1987, the very idea of a woman driving a train was unheard of. Yet, after six months of rigorous training at the Kalyan Training School, she began her career in 1989 as an Assistant Driver. That moment marked a milestone in Indian Railways—the entry of its first woman loco pilot.


The initial years of her career were far from easy. Working in a domain overwhelmingly dominated by men, she faced skepticism from colleagues and resistance from social norms. Yet she remained undaunted. Her patience, discipline, and above all, the unwavering support of her family gave her the strength to move ahead. She proved to the doubters that driving a train requires skill, dedication, and perseverance—qualities that are not bound by gender.


Surekha’s career steadily advanced through dedication and hard work. In 1996, she drove a freight train for the first time and four years later, became a motorwoman, later qualifying to drive trains in the challenging ghat (hill) sections of the Western Ghats—an achievement that even seasoned male drivers found demanding.


Her achievements saw her lead momentous train journeys—on the occasion of the International Women’s Day in 2011, she drove the iconic Deccan Queen train, earning recognition for her excellence. Ten years later, Surekha commanded a special train with an all-women crew, symbolizing empowerment across the country.


Surekha was chosen for coveted train rides when on March 13, 2023, she became the first woman to drive the much-awaited Vande Bharat Express from Solapur to Mumbai. The Indian Railways commemorated her pioneering service with a fitting final assignment in September 2025 when she piloted the Rajdhani Express. This event was described by railway officials as a tribute to her extraordinary service.


Surekha Yadav’s career reflects grit, persistence, and the refusal to accept limits imposed by tradition. She not only drove trains but also drove change, proving that competence knows no gender. Her story continues to inspire girls from small towns and villages, proving that determination can bridge the gap between modest beginnings and historic achievements.


Surekha is a reminder that true trailblazers pave the way for others to follow. Her name will remain etched in history as the woman who turned the railway tracks into pathways of possibility for countless others.

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