top of page

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.)

The Great Hoax

Aug 25, 2025
3 min read

A sensational tale of ‘mass graves’ in a temple town in Karnataka has collapsed. What remains is proof of how foreign-funded portals and YouTube provocateurs thrive on vilifying Hinduism.


Karnataka
Karnataka

 

In July this year, Dharmasthala, a temple town in Karnataka revered for its shrine to Lord Manjunatha Swamy, was flung into national headlines for all the wrong reasons. A former sanitation worker claimed that between 1995 and 2014 he had buried “hundreds of bodies,” victims of rape and murder covered up by the temple authorities. His lurid testimony, devoid of evidence, was enough to trigger a Special Investigation Team (SIT), which spent weeks scouring forests and ghats in search of mass graves.

 

As with so many scandals tailor-made for the outrage economy, the narrative collapsed almost as soon as it was built. The SIT found nothing - no mass graves, no victims, no cover-up. The worker confessed he had lied, that he was recruited, trained, and promised protection by shadowy ‘masterminds.’ He even presented a skull as evidence, which turned out to belong to a man who had died decades ago. The whistleblower was unmasked as a pawn. The conspiracy, however, was larger.

 

Behind the theatrics lay a deliberate attempt to malign Dharmasthala, its centuries-old temple trust, and its dharmadhikari, Veerendra Heggade. And here the fingerprints of India’s outrage industry became visible. As per reports, the sanitation worker admitted to being trained in Bengaluru and coached on what to say. His handlers banked on a simple truth of India’s media ecosystem that once an allegation is made, however outlandish, it will be given oxygen by activist-journalists, portals, and YouTubers who present themselves as watchdogs of democracy but function as hitmen for hire.

 

So-called ‘progressive’ portals kept the story alive with relentless amplification of every allegation under the veneer of ‘balanced coverage.’ Thus Dharmasthala, a centre of pilgrimage and charity, was thrust into the dock of public opinion.

 

Digital mercenaries like YouTubers Sameer M.D. churned out AI-generated videos and incendiary clips filled with unverified claims. In this case, the misinformation was so blatant that even the SIT had to charge him under provisions against provocation and false evidence.

 

The question is why the hoax gained traction at all. The answer is depressingly clear: there exists a ready market, both domestic and foreign, for any story that depicts Hinduism as brutal, oppressive or criminal. A conspiracy about mass graves in a Hindu temple is not treated with the incredulity it deserves but treated as plausible, even respectable, because it fits an entrenched narrative.

 

This is where foreign funding enters the picture. Professional grievance-mongers like Mohammed Zubair present themselves as defenders of free expression. In practice, their value proposition to Western donors is that they police Hindu nationalism and expose its ‘crimes.’

 

The more outrageous the story, the better the pitch. From the BBC to Washington think-tanks, there is always an eager audience for tales of Hindu barbarism.


The hypocrisy is galling. Allegations of ritualised rape and mass murder in a Hindu temple are splashed across pages without corroboration, yet similar slanders against other communities would be condemned as hate speech. The SIT’s clean chit is buried on inside pages, while the reputational injury to Dharmasthala lingers. What was passed off as journalism was in fact trial by innuendo.

 

For Hindus, this episode should serve as a warning. Every festival, every temple trust, every ritual is fair game for the vilification machine. India is a democracy; dissent is its lifeblood. But dissent is not licence for disinformation, and journalism is not a front for defamation. The Dharmasthala hoax should spark serious scrutiny of the media ecosystem that kept the lie alive. For they are not guardians of accountability but merchants of vilification, profiteers in the business of smearing Hinduism.


The SIT has exposed the hoax. The harder task is to expose the industry that thrives on such hoaxes. Until India does so, Dharmasthala will not be the last Hindu temple to be dragged through the mud for clicks, grants, and foreign applause.

 

Comments


bottom of page