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By:

Kaustubh Kale

10 September 2024 at 11:37:15 pm

Nine Financial Tips for a Prosperous Navratri

As Navratri draws to a close, I wish you and your family happiness, prosperity, and continued success. Festivals are a time of celebration, but they also serve as a valuable reminder to reflect on our financial habits and strengthen our financial discipline. In the spirit of the nine days of Navratri, here are nine essential financial tips to help you stay on track with your financial goals and make your journey towards financial freedom smoother and more secure. Build an Emergency Fund Make...

Nine Financial Tips for a Prosperous Navratri

As Navratri draws to a close, I wish you and your family happiness, prosperity, and continued success. Festivals are a time of celebration, but they also serve as a valuable reminder to reflect on our financial habits and strengthen our financial discipline. In the spirit of the nine days of Navratri, here are nine essential financial tips to help you stay on track with your financial goals and make your journey towards financial freedom smoother and more secure. Build an Emergency Fund Make sure you have at least six months of living expenses saved in a bank fixed deposit or a debt mutual fund. This reserve will serve as your emergency fund for unforeseen situations and ensures you are prepared for any rainy days. Review Your Asset Allocation Revisit your investments to ensure they align with your goals. For short-term goals within three years, bank fixed deposits, recurring deposits, or debt mutual funds are appropriate. For long-term goals beyond three years, a diversified combination of hybrid/equity mutual funds, direct equities, and gold should be preferred. Do Sufficient SIPs Systematic Investment Plans (SIPs) are the backbone of disciplined investing. At least 25-30 percent of your in-hand monthly income should ideally be invested through SIPs in mutual funds, equities, and gold. This consistent approach will steadily build wealth over time. Make Lumpsum Investments Along with SIPs, voluntary lumpsum contributions into long-term assets whenever you have surplus funds can accelerate wealth creation. Even occasional lumpsum additions make a significant difference to the overall corpus. Increase Your SIPs Annually As your income increases, make sure your investments grow as well. Increasing your SIP amounts every year helps your wealth stay in line with inflation and your rising lifestyle needs. Increase your SIPs yearly and anchor them to at least 30 percent of your monthly income. Stay Invested Remain invested until your financial goals are achieved. Avoid redeeming investments unnecessarily. Frequent withdrawals disrupt compounding. If liquidity is required, consider taking an overdraft loan against your investments rather than breaking them prematurely. Health Insurance Safeguard your family with adequate health insurance. Opt for a minimum cover of 25 lakhs per family member with comprehensive features. Remember that relying only on employer-provided insurance is risky. Independent health insurance is essential. Term Life Insurance Protect your loved ones with a pure term life insurance policy. Ensure a cover of at least ten times your annual income, along with provisions for any outstanding loans. Stay away from mixing insurance with investments. A simple term plan is the most effective solution. Consult a Financial Advisor A full-time, well-qualified financial advisor can simplify your financial journey. Professional guidance ensures disciplined planning, correct product selection, and proper execution of your financial strategy. May this festive season bring abundance and lasting financial peace. (The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)

Hindi-Chini Bhai Bhai

Mar 15
3 min read

Updated: Mar 16

A brave new world of March 2026, where geopolitics has finally achieved what decades of border tensions, “Boycott China” hashtags, and that one uncle at family dinners who still calls it “Chindian” food never could: it has banished Indian Chinese from our plates. Not through diplomacy, not through taste evolution, not even through the slow realization that schezwan sauce is basically spicy ketchup with identity issues. No, the great exile has come courtesy of… LPG shortage. Yes, cooking gas. The same blue cylinder that once fueled our midnight hakka noodle cravings has now become the villain in this culinary tragedy.


Picture this: it’s Friday night, you’re scrolling Zomato like it’s your last lifeline to joy, and suddenly every “Chinese” option is either grayed out, replaced with sad “only pizza available” notes, or the restaurant itself has a status update that reads like a hostage note: “Due to unforeseen gas issues, limited menu. No wok, no stir-fry, no joy.” You refresh. Nothing. You try another outlet. “Sorry, chili chicken unavailable.” Unavailable? That’s not a menu item; that’s a national emergency.


Because apparently, Indo-Chinese cuisine—our bastard child of soy sauce, ajinomoto, and pure desi optimism—requires more flame than a Ramayana reenactment. High-pressure burners for that signature wok hei (the smoky breath of the gods that makes hakka noodles taste like they were stir-fried by angry dragons). Deep-frying for golden baby corn Manchurian that crunches louder than your boss’s feedback session. Slow-simmering for that greasy, glorious chili garlic noodles where the oil separates like a bad divorce but somehow tastes like home. All of it guzzles LPG like a thirsty uncle at an open bar. And now? No gas, no glory.


Thanks to some delightful escalation in West Asia (because nothing says “affect Indian dinner plans” like international conflict), commercial LPG cylinders have become rarer than honest politicians. Households get priority—fair enough, can’t have aunties rioting over unfinished dal—but restaurants? They’re left holding empty regulators and dreams of better days. Chains like Mainland China are slashing menus faster than you can say “schezwan fried rice extra spicy please.” One owner reportedly said 70% of his menu is Chinese. No gas means 70 per cent of his business is now “vada pav or bust.”


And oh, the irony is thicker than manchurian gravy. For years we’ve joked that Indian Chinese isn’t Chinese at all—it’s just aggressive seasoning on vegetables that never asked to be deep-fried and then drowned in corn flour slurry. We’ve called it “Chindian,” mocked its authenticity, posted memes about how Beijing doesn’t know what hakka means. Yet when it’s actually threatened with extinction, we panic like we’ve lost a family heirloom. Suddenly everyone is a connoisseur: “Bhai, without that gas flame, it’s not real chili chicken!” As if the gas was the secret ingredient all along, not the half-bottle of dark soy and existential regret.


Restaurants are adapting in the most Indian way possible: improvisation laced with passive-aggression. Some switch to induction—bless their optimistic hearts—but induction can’t replicate the volcanic fury needed for a proper stir-fry. The noodles come out limp, the veggies steamed instead of seared, the whole dish tasting like a polite apology. “Here is your hakka noodles, sir. It’s… gentle.” Others cut hours: “Open 7-9 PM only, come early or cry later.” A few brave souls are doing cold salads and sandwiches, because nothing screams “Chinese” like a cucumber sandwich with zero chili.


Delivery apps are in mourning. Swiggy and Zomato order volumes for “Oriental” categories have probably tanked harder than the Sensex during a budget speech. QSRs selling burgers and pizzas are quietly celebrating—electric ovens don’t care about geopolitics. Meanwhile, the street-side Chinese carts, those glorious mobile woks that once lit up corners like Diwali, have gone dark. No blue flame, no sizzling sound, no “one plate chowmein bhaiya?” The vendor is probably at home, staring at his empty cylinder, wondering if this is how civilizations end—not with a bang, but with a whimper and a switch to dal-chawal.


And let’s talk about the home cook, the real martyr here. You, who once proudly proclaimed “Chinese tonight!” while raiding the fridge for cabbage, carrots, and that one suspicious green chili. Now? Your gas stove mocks you. You try making hakka on induction—it’s like asking a moped to win the Dakar Rally. The sauce doesn’t cling, the veggies stay stubbornly raw, and your family looks at you like you served them betrayal on a plate. “Yeh kya hai?” they ask. “This is… fusion depression,” you mutter.


Until then, pass the pizza. And maybe a tissue for the tears.


(The writer is a senior journalist based in Mumbai. Views personal.)

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