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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.”

Red Bonds

The Masala Bond gamble that helped fuel Kerala’s infrastructure boom now lays bare the Left’s uneasy marriage with the markets.

Kerala
Kerala

For a party that built its moral brand on austerity, probity and suspicion of global finance, the Communist Party of India (Marxist) has developed a striking fondness for financial alchemy. Kerala’s celebrated experiment with rupee-denominated ‘Masala Bonds’ was meant to signal modern, market-savvy governance under Chief Minister Pinarayi Vijayan. Instead, it has now become a case study in doctrinal hypocrisy and potential regulatory defiance after the Enforcement Directorate issued show-cause notices under the Foreign Exchange Management Act (FEMA) to Vijayan, former finance minister T. M. Thomas Isaac and former bureaucrat K. M. Abraham.


At the heart of the matter lies Rs. 466.91 crore - part of the Rs. 2,150-crore raised through bonds listed in London and Singapore in 2019 allegedly used to buy land, an end-use the regulator says was explicitly prohibited under the RBI’s master directions of June 2018. The Left, which traditionally treats foreign finance as a moral pollutant, now finds itself accused of misusing precisely the kind of capital it once denounced as imperial excess.

The CPI(M)’s first instinct, predictably, is denial wrapped in martyrdom. The notices are “politically motivated,” say its party leaders. The timing, just ahead of local body polls, adds a layer of theatrical outrage. The ED, long accused of being Delhi’s political bludgeon, makes an unconvincing villain in Kerala’s familiar script of federal victimhood. But to hide behind the Centre is to avoid an inconvenient truth as this trail did not begin with the ED but with the Comptroller and Auditor General (CAG).


The CAG’s 2019 audit of Kerala’s finances raised red flags on KIIFB’s borrowing structure and constitutional propriety. That report triggered the original FEMA probe in 2021. When the RBI told the Kerala High Court that the ED indeed had the power to investigate end-use of funds, the fig leaf of institutional immunity fell away.


The Left’s defence that land was ‘acquired’ rather than ‘purchased’ is a distinction without an economic difference. One changes accounting labels; the other changes reality. External commercial borrowing rules do not care much for semantic gymnastics. What matters is whether foreign capital, raised at a hefty 9.72 percent interest rate, was diverted into real estate in contravention of explicit norms.


This exposes the deeper contradiction of Vijayan’s rule. Kerala’s model today rests not on old-style redistribution, but on leveraged growth, off-balance-sheet borrowings and an infrastructure splurge disguised through quasi-sovereign vehicles like KIIFB. In effect, the CPI(M), once suspicious of debt markets, has recreated the very financial architecture it long condemned in ‘neoliberal’ states. It borrows abroad at premium rates, bypasses conventional budgetary scrutiny, and then pleads innocence when auditors and regulators come knocking.


The political defence is just as elastic. When the ED targets opposition leaders elsewhere, the CPI(M) thunders against authoritarianism. When it targets CPI(M) leaders, the agency becomes a BJP conspirator acting in cahoots with Kerala’s enemies.


That said, a show-cause notice is not a verdict and the ED itself is no paragon of institutional purity. But politics is not a court of law; it is a court of consistency. And here the CPI(M) stands exposed. A party that once equated foreign capital with exploitation now stakes its prestige on overseas bond markets. A government that preaches clean governance now faces detailed charges of prohibited end-use. A leadership that thrives on the rhetoric of siege now confronts questions born not in Delhi but in audit reports and balance sheets.


Kerala’s voters are sophisticated enough to grasp the distinction between due process and deflection. They can also sense when outrage becomes rehearsal rather than resistance. If the Left truly believes the ED’s case is hollow, it should welcome a transparent adjudication instead of drowning it in election-season conspiracy.


For a party that once promised to change the system, the CPI (M) now seems trapped in explaining why it looks so uncomfortably like the system it once despised. 


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