top of page

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.)

Police & Pandits: Biggest Beneficiaries of Devotion

Jan 27, 2025
3 min read

Updated: Jan 29, 2025

Corruption is rampant at Kalighat Mandir under CM Mamata Banerjee's nose

 Kalighat Mandir

Kolkata: The Uber ride from my hotel to Kalighat Mandir was only fifteen minutes, but it felt like a journey into another world. A cold and crisp Tuesday morning in Kolkata, known as the City of Joy, set the stage for my reluctant pilgrimage to one of Hinduism’s holiest shrines. Reluctant because, as someone who believes you don’t need to stand in line to meet God, I’ve never been much of a temple-goer. But family insistence has a way of bending even the firmest resolve, and so I found myself en route to the famed temple of Goddess Kali.


Kalighat’s significance in Hindu mythology is immense. Believed to be the site where Maa Sati’s right toe fell, it is one of the 51 Shakti Peethas, sacred abodes of the goddess. Yet, the sanctity of the temple often feels at odds with the chaos surrounding it. The hotel receptionist had warned me: Tuesdays draw larger crowds, as the day is considered auspicious for Maa Kali. I braced myself for long queues, pushy devotees, and the unpredictable chaos that defines India’s spiritual epicentres.


The temple’s entrance was just as expected, teeming with energy and opportunists. Before I could even locate the gate, an elderly man in a traditional kurta and dhoti appeared at my side. His demeanour was calm but calculated, his movements choreographed for maximum effect. “The gate is there,” he pointed, steering me toward one of the many pooja stalls lining the entrance.


Within moments, I was engulfed by men preparing a pooja thali before I could even process what was happening. Hibiscus garlands, a coconut, incense sticks and bangles were swiftly piled into a bamboo basket while chants in Sanskrit were murmured over my head. Prices were declared in quick succession as though I were at an auction rather than a temple.


My self-appointed guide led me to the main entrance. “VIP entry?” he asked with casual authority. I hesitated but handed him Rs. 200 - the price of convenience. Inside, two lines diverged: one, a snaking queue of ‘ordinary’ devotees under the sun; the other, a shorter line dominated by Pandits, exuding an air of hierarchy.


At the inner sanctum, a separate system operated. Two men collected money on either side of the deity, while the main priest handled offerings. The cramped space was packed with devotees in a single line. “Sister, give only Rs. 20, not more,” my Pandit advised. “If you give Rs. 100, they’ll demand even more outside.”


The idol of Maa Kali was a stunning, terrifying figure - her blackened face adorned with gold and silver, her four arms poised with weapons and gestures of blessing. The priest stationed before her barked at devotees, his temper short and his hands quick to push overzealous worshippers back into line. When a group of rural women, wide-eyed and eager, tried to touch the idol’s feet, they were scolded and physically pushed away. The irony was stark: here stood the goddess of empowerment and strength, worshipped in a space that thrived on intimidation and control.


As I exited the sanctum, my Pandit guide ushered me toward a coconut-breaking shrine. Another man waited there, collecting Rs. 500 notes from devotees who sought to add this ritual to their spiritual checklist. I negotiated down to Rs. 100 and cracked the coconut, watching as the pieces were whisked away, ostensibly to be distributed as prasad. “Didi, idhar sab paise se chalta hai,” the Pandit muttered matter-of-factly. Everything here, it seemed, came at a price: access, blessings, even the right to break a coconut.


Back at the pooja stall, I was handed a bill of Rs. 1700. “Round it up to Rs. 2100,” the Pandit suggested, offering to arrange a Bhandara in my name. He even presented a QR code for online payment. Faith, it seems, has embraced fintech.


As I waited for my Uber, an elderly woman persistently pleaded for money, and I reluctantly gave her Rs. 100 - yet another addition to the temple’s bustling economy. In just 30 minutes, I had spent Rs. 2730 for a fleeting glimpse of divinity.


Situated in the heart of Chief Minister Mamata Banerjee’s constituency, Kalighat Mandir presents a stark paradox: women jostled within its sacred walls and left begging beyond its gates.


As my Uber pulled away, I couldn’t help but marvel at the audacious commercialization of faith in a space meant to transcend worldly concerns. “Jai Maa Kali,” I muttered under my breath, the irony unmistakable.

Comments


bottom of page