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By:

Kaustubh Kale

10 September 2024 at 11:37:15 pm

Modak and the Art of Investing

As the aroma of freshly steamed Modaks fills homes during Ganesh Utsav, the festive spirit comes alive instantly. My mouth is already watering at the thought! The humble Modak, prepared with love to honour Lord Ganesha, may look simple from the outside. But anyone who has tried making one knows that a good Modak depends on several things coming together - the right ingredients, the right recipe, patience with the process, and finally, enjoying the result. Investing is surprisingly similar....

Modak and the Art of Investing

As the aroma of freshly steamed Modaks fills homes during Ganesh Utsav, the festive spirit comes alive instantly. My mouth is already watering at the thought! The humble Modak, prepared with love to honour Lord Ganesha, may look simple from the outside. But anyone who has tried making one knows that a good Modak depends on several things coming together - the right ingredients, the right recipe, patience with the process, and finally, enjoying the result. Investing is surprisingly similar. Choose the Right Ingredients A Modak is only as good as the ingredients that go into it. Fresh coconut, good-quality jaggery, properly prepared rice flour and the right flavours all contribute to the final result. Our investments and financial products are the ingredients of our financial plan. Equities, mutual funds, fixed income, gold and other investments each have a specific role to play. The objective is not to pick whatever appears most exciting at the moment, but to select suitable, good-quality investments that match our financial goals, time horizon and ability to take risks. Health and life insurance are equally important ingredients. Adequate coverage helps protect savings, the family, and their financial goals and dreams. Good ingredients provide the foundation. But ingredients alone are not enough. Get the Recipe Right You may have the finest ingredients in the kitchen, but if the proportions are wrong, the Modak may still not turn out well. The same applies to investing. Asset allocation is the recipe of a financial plan. Too much of one ingredient can spoil a Modak. Similarly, excessive concentration in one asset or too much money in low-return products can spoil a portfolio. Balance is key. A thoughtfully constructed portfolio brings different investments together in the right proportions. To keep asset allocation very simple - short-term goals can be planned through bank fixed deposits, recurring deposits and debt mutual funds. For long-term goals, one can consider hybrid mutual funds, equity mutual funds or direct stocks. Trust the Process Once the Modak is shaped and placed for steaming, constantly checking whether it is ready will not make it cook faster. Investors often make the same mistake. We keep checking markets, reacting to every correction, chasing recent performers or changing strategies because of short-term noise. Good investing requires patience and discipline. Invest regularly, review periodically and allow your financial plan enough time to work. Compounding is powerful precisely because it rewards those who remain invested for long periods. Sometimes, the best thing an investor can do is simply avoid unnecessary interference. Enjoy What You Have Created Finally comes the most important part - eating the Modak! The purpose of investing is not merely to accumulate the largest possible number on a statement. Wealth should eventually help us fulfil our goals, support our families, create financial security and enjoy life with greater peace of mind. A good Modak needs the right ingredients, the right recipe and trust in the process. A good investment journey needs exactly the same. This Ganesh Utsav, may Bappa bless us with the wisdom to make good financial choices, the patience to stay disciplined, and the prosperity to enjoy the fruits of our efforts. Ganpati Bappa Morya! (The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)

From Body to Bliss: Essential Yogic Principles to Know

Writer: Shraddha Deshpande
Shraddha Deshpande
Sep 13, 2025
3 min read

Not mere exercise, yoga is much more than posture – it is the art of aligning the body with the soul.

Yoga is not just a fitness routine or a set of postures. It is a complete science of living – connecting body, breath, mind, intellect, and spirit. Rooted in the wisdom of the Vedas and codified by Patanjali in his Yoga Sutras, yoga offers practical tools for harmony in daily life. To practise yoga meaningfully, it is vital to understand its core foundations. Let’s explore five key concepts that shape the yogic path: Koshas, Prana & Nadis, Elements, Chakras, and the Gunas.


Five Sheaths (Pancha Kosha)

Human existence is described in the Taittiriya Upanishad as five layers, or koshas.

Annamaya (Physical): Nourished by food, made of the five elements. Balanced with asana, kriya, and pranayama.

Pranamaya (Energy): Governs life force and connects body with mind through breath.

Manomaya (Mental): Seat of emotions and thoughts. Balance here brings emotional stability.

Vijnanamaya (Wisdom): Intellect and higher knowledge. Sharpened by study, reflection, and meditation.

Anandamaya (Bliss): Pure joy, closest to the Self. Experienced in deep meditation.

Yoga is essentially a journey from the physical to the blissful sheath.


Prana and Nadis

Prana is the vital life force. It flows through subtle channels called nadis. Of the 72,000 nadis, three are central:

Ida (moon): Cooling, linked to the mind.

Pingala (sun): Heating, linked to action.

Sushumna: The central pathway, balancing both and leading to spiritual awakening.


Breath practices purify these nadis, allowing prana to flow freely. Modern science mirrors this wisdom—alternate nostril breathing, for instance, is shown to calm the nervous system and balance both hemispheres of the brain.


Five Elements (Pancha Mahabhutas)

The body and the universe are made of the same five elements – “Pindi te Brahmandi” (the microcosm reflects the macrocosm).

Earth (Prithvi): Bones, muscles – grounding.

Water (Jal): Blood, fluids – flow and flexibility.

Fire (Agni): Digestion, energy transformation.

Air (Vayu): Breath, circulation – movement.

Space (Akasha): Sound, communication – vastness.


Balancing these through yoga brings health, stability, and cosmic harmony.


Chakras (Shat Chakra)

Seven energy centres line the spine, each with a seed sound (bija mantra) and unique qualities:

Muladhara (Root): Stability. Lam.

Swadhisthana (Sacral): Creativity. Vam.

Manipura (Solar Plexus): Willpower. Ram.

Anahata (Heart): Love. Yam.

Vishuddhi (Throat): Expression. Ham.

Ajna (Third Eye): Intuition. Om.

Sahasrara (Crown): Higher consciousness. Silence/Om.


Kundalini energy, coiled at the root like a serpent, rises upward through these chakras, awakening higher states of awareness. Each chakra not only supports spiritual growth but also reflects emotional health and personal expression.


Three Gunas

All of nature is guided by three qualities:

Sattva: Purity, clarity, wisdom.

Rajas: Energy, drive, restlessness.

Tamas: Inertia, ignorance, heaviness.


Through yoga, sattva is cultivated, leading to balance, calmness, and clarity. Even food and lifestyle choices affect the gunas—fresh, light meals increase sattva, while overstimulation or lethargy fuels rajas and tamas.


Yoga is far more than physical exercise. It is the art of aligning the microcosm within with the macrocosm outside. By understanding its core concepts – the koshas, prana, elements, chakras, and gunas – yoga becomes a tool for inner transformation. When practised with awareness, yoga not only changes how the body feels – it reshapes how life itself is experienced, helping practitioners live with greater balance, resilience, and joy.

(The writer is a yoga educator and researcher based in Pune.)

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