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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.)

Sailing High

Sep 22, 2025
3 min read

The nine days of Navratri celebrate goddesses who embody strength in different forms; valour, compassion, creativity, austerity, devotion, justice, protection, forgiveness and wisdom. In our annual Navratri series, we celebrate the lives of nine women who strive to build happy and safe spaces for themselves and those around them.


PART - 2


Name: Lieutenant Swati Patharlapalli | Where: Visakhapatnam, Andhra Pradesh
Name: Lieutenant Swati Patharlapalli | Where: Visakhapatnam, Andhra Pradesh

In a country where stories of courage and determination often emerge from the most unexpected corners, Lieutenant Swati Patharlapalli's journey sends a powerful message that destiny is determined not by birth, but by perseverance. A daughter of a domestic worker in Visakhapatnam, Swati proudly dons the uniform of the Indian Navy—proof that opportunity and perseverance can break all barriers.

 

Her childhood was far from privileged. Her mother worked as a domestic help in the homes of naval officers and her father was a civilian cook in the dockyard. In a neighborhood where most girls were forced to follow the same path as their parents, Swati's parents made a bold decision—that their daughters would break the mold. Despite financial hardships and social pressure to marry off their three daughters early, her mother prioritized education. That vision shaped Swati's future.

 

Despite the hardships, her upbringing wasn't one of self-pity, but of grit and courage. She attended local schools, struggled with English, but persevered. Years later, when she returned to the same Balwadi school as a naval officer to deliver motivational talks to the children, the scene was symbolic—the ‘maid's daughter’ had returned, but now to inspire.

 

The Indian Navy wasn't just a career; it was her life’s calling. Encouraged by her father, she worked hard and passed the selection at first attempt. Barely 20 years old, she joined the Navy as one of its youngest recruits and started work in the air traffic control, but her true calling awaited her on the high seas.

 

For Swati, sailing wasn't a coincidence. It was during her NCC days that she was introduced to yachting, and that passion continued into her naval career. She trained under Commander Dilip Donde, the first Indian to circumnavigate the globe solo. Under his guidance, she not only acquired technical knowledge but also learned the true courage of braving storms, winds, and the solitude of the sea.

 

Her prowess was proven in the 2017 Cape to Rio Race, when she became a member of the fastest Indian team to cross the Atlantic in just 20 days. But the true test of history was soon to come when the Navy decided to send an all-female crew to circumnavigate the globe for the first time.

 

In August 2017, aboard the newly commissioned ship INSV Tarini, Swati and five other women officers set out to make history. Led by Lieutenant Commander Vartika Joshi, the team completed a daring journey via Australia, New Zealand, the Falklands, and South Africa, returning to Goa. Eleven months later, in May 2018, they returned victorious—having conquered not only the global oceans but also societal doubts.

 

The true power of this achievement lies not in its mere technical prowess, but in its symbolic meaning—the woman who once entered naval homes as a mother's assistant now returned to those same homes as an officer who circumnavigated the globe. Her life is a direct challenge to the class and gender-based biases that dominate opportunity in India.

 

Lieutenant Swati Patharlapalli's journey is not just a naval expedition, but a social narrative. It reminds us that change comes when families choose education over tradition, when institutions open doors to women, and when individuals dare to dream beyond the limitations of circumstances. She is proof that when the human spirit finds flight, it can soar beyond the horizon.

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