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By:

Bhalchandra Chorghade

11 August 2025 at 1:54:18 pm

Healing Beyond the Clinic

Dr Kirti Samudra “If you want to change the world, go home and love your family.” This thought by Mother Teresa finds reflection in the life of Panvel-based diabetologist Dr Kirti Samudra, who has spent decades caring not only for her family but also thousands of patients who see her as their guide. As we mark International Women’s Day, stories like hers remind us that women of substance often shape society quietly through compassion, resilience and dedication. Doctor, mother, homemaker,...

Healing Beyond the Clinic

Dr Kirti Samudra “If you want to change the world, go home and love your family.” This thought by Mother Teresa finds reflection in the life of Panvel-based diabetologist Dr Kirti Samudra, who has spent decades caring not only for her family but also thousands of patients who see her as their guide. As we mark International Women’s Day, stories like hers remind us that women of substance often shape society quietly through compassion, resilience and dedication. Doctor, mother, homemaker, mentor and philanthropist — Dr Samudra has balanced many roles with commitment. While she manages a busy medical practice, her deeper calling has always been service. For her, medicine is not merely a profession but a responsibility towards the people who depend on her guidance. Nagpur to Panvel Born and raised in Nagpur, Dr Samudra completed her medical education there before moving to Mumbai in search of better opportunities. The early years were challenging. With determination, she and her husband Girish Samudra, an entrepreneur involved in underwater pipeline projects, chose to build their life in Panvel. At a time when the town was still developing and healthcare awareness was limited, she decided to make it both her workplace and home. What began with modest resources gradually grew into a trusted medical practice built on long-standing relationships with patients. Fighting Diabetes Recognising the growing threat of diabetes, Dr Samudra dedicated her career to treating and educating patients about the disease. Over the years, she has registered nearly 30,000 patients from Panvel and nearby areas. Yet she believes treatment alone is not enough. “Diabetes is a lifelong disease. Medicines are important, but patient education is equally critical. If people understand the condition, they can manage it better and prevent complications,” she says. For more than 27 years, she has organised an Annual Patients’ Education Programme, offering diagnostic tests at concessional rates and sessions on lifestyle management. Family, Practice With her husband frequently travelling for business, much of the responsibility of raising their two children fell on Dr Samudra. Instead of expanding her practice aggressively, she kept it close to home and adjusted her OPD timings around her children’s schedules. “It was not easy,” she recalls, “but I wanted to fulfil my responsibilities as a mother while continuing to serve my patients.” Beyond Medicine Today, Dr Samudra also devotes time to social initiatives through the Bharat Vikas Parishad, where she serves as Regional Head. Her projects include  Plastic Mukta Vasundhara , which promotes reduced use of single-use plastic, and  Sainik Ho Tumchyasathi , an initiative that sends Diwali  faral  (snack hamper) to Indian soldiers posted at the borders. Last year alone, 15,000 boxes were sent to troops. Despite decades of service, she measures success not in wealth but in goodwill. “I may not have earned huge money,” she says, “but I have earned immense love and respect from my patients. That is something I will always be grateful for.”

Reading the Economic Tea Leaves

Updated: Jan 31, 2025

Part 3:

A mixed bag of high-frequency indicators suggests India's economic recovery is uneven, but not without promise.


Nirmala Sitharaman

As Finance Minister Nirmala Sitharaman prepares to unveil the Union Budget on February 1, 2025, policymakers are poring over a complex set of economic signals. Gross Domestic Product figures, while crucial, arrive with a time lag, making High-Frequency Indicators (HFIs) the go-to barometers for assessing India’s economic pulse in real time. The Reserve Bank of India (RBI), the maestro of macroeconomics, pieces together these fragmented signals from agriculture, industry, and services, painting a portrait of where the country stands.


On the surface, the agricultural sector is basking in a monsoonal afterglow. Water reservoir levels surged to 139.4 billion cubic meters by mid-December, a striking 24 percent increase over last year, setting the stage for a robust second half of FY25. Kharif food grain production hit 164.7 million tonnes—an 11 percent jump—while Rabi sowing inched up by 1.6 percent. Tractor sales, a reliable barometer of rural confidence, climbed to 690,000 units between April and November, signalling resilience. The government’s decision to hike the Minimum Support Price (MSP) by 5 to 12.7 percent across crops has bolstered rural purchasing power, hinting at a GDP boost ahead. Inflationary fears linger, but for now, agriculture appears to be on steady ground.


Passenger vehicle sales, a key indicator of urban demand, experienced a dip in the second quarter but saw a strong recovery during the Diwali season in the third quarter. Domestic air traffic, while still positive, grew by a modest 6.8 percent from April to October, a marked slowdown from the 19.3 percent growth in the same period the previous year. Fuel consumption rose by 3.3 percent from April to November, compared to a 5 percent increase in the prior year. Similarly, power consumption saw a more subdued growth of 3.9 percent, reaching 1,149.5 billion units, down from 9.7 percent the year before. Meanwhile, the agriculture sector’s buoyant performance has buoyed rural demand, cushioning the effects of a tepid urban market.


Unemployment remains a political flashpoint, often wielded by opposition parties to take aim at the government. The latest Periodic Labour Force Survey pegs urban unemployment at 6.4 percent—an improvement, but one that masks a stark gender disparity. While male unemployment stands at 5.7 percent, female unemployment hovers at 8.3 percent. Encouragingly, new Employees’ Provident Fund enrolments crossed 10.5 million between April and October, up from 8.2 million the previous year, and demand for work under the Mahatma Gandhi National Rural Employment Guarantee Act fell by 13.3 percent, suggesting that more rural jobs are emerging outside the safety net.


Then, there’s inflation, a spectre that looms over every economic conversation. The Consumer Price Index (CPI) softened to 4.9 percent between April and November, compared to 5.2 percent the previous year. Core inflation, stripped of volatile food and fuel prices, has cooled to 3.2 percent. But food inflation, the metric that weighs most heavily on household budgets, has risen to 7.9 percent, up from 6.6 percent last year. The Wholesale Price Index (WPI) has rebounded from a 1.3 percent contraction to a 2 percent increase, reflecting an economy where supply-chain pressures are shifting.


Global forces complicate the RBI’s calculus. With the rupee showing signs of depreciation and the Federal Reserve’s rate trajectory uncertain, India’s central bank has opted for patience, keeping policy rates untouched. A Trumpian return to protectionism in the U.S. could disrupt trade flows, while the fragile Israel-Hamas ceasefire may determine the next moves in global energy markets.


One missing piece in this puzzle is private investment, which remains sluggish despite government spending driving infrastructure expansion. India’s industrialists, historically cautious in uncertain times, have held back on large-scale capital expenditures, wary of volatile global conditions and policy risks. While the production-linked incentive (PLI) schemes have seen some success, they have not yet triggered a full-scale private investment boom. The government will be under pressure to balance fiscal prudence with populist spending.


In the months ahead, India’s economic story will be a balancing act between rural optimism and urban sluggishness, between inflationary caution and growth imperatives, between domestic policy and global volatility. The tea leaves are there for the reading; the real question is who gets to write the script.


(The author is a Chartered Accountant and works at Authomotive Division of Mahindra and Mahindra Limited. Views personal.)

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