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By:

Correspondent

21 August 2024 at 10:20:16 am

Fee Signal

The government’s decision to create a legal framework for levying charges on UPI transactions has understandably triggered concern, even though it insists that ordinary users and small merchants will continue to enjoy free payments. The proposed amendment does not impose a fee on UPI today. But it removes the statutory barrier to one being imposed in the future, making the government’s reassurance less than the final word. The government argues that this is a measure for UPI’s long-term...

Fee Signal

The government’s decision to create a legal framework for levying charges on UPI transactions has understandably triggered concern, even though it insists that ordinary users and small merchants will continue to enjoy free payments. The proposed amendment does not impose a fee on UPI today. But it removes the statutory barrier to one being imposed in the future, making the government’s reassurance less than the final word. The government argues that this is a measure for UPI’s long-term sustainability. The world’s largest real-time payments system, which processed 2,366 crore transactions worth Rs. 29.9 lakh crore in July alone, cannot indefinitely depend on subsidies as transaction volumes, cybersecurity requirements and infrastructure costs rise. A nominal Merchant Discount Rate on larger merchant transactions, it says, would help create a more sustainable ecosystem without burdening ordinary users. That argument has merit. But so does the concern that a payment system which became a national habit precisely because it was cheap and frictionless should not slowly acquire a price tag. Once the legal machinery for charging exists, there is no guarantee that the boundary between large merchants and small ones, or between merchants and consumers, will remain permanently fixed. The Finance Minister has clarified that any Merchant Discount Rate will apply only to a limited set of merchant transactions above a threshold and will be nominal, well below card-payment rates. The details will eventually be decided by the UPI and Services Steering Committee headed by the National Payments Corporation of India. In other words, there is no charge on the table for the ordinary UPI user today. But there is now a legal mechanism for charges to be introduced tomorrow. That is precisely why any alarm, though exaggerated, cannot simply be dismissed. The government, through its clarification, has reassured that UPI’s free-to-consumer model remains intact. The important issue is whether its financing model can evolve without undermining the habits that made it revolutionary. UPI succeeded partly because it made digital payments cheaper and simpler than alternatives. There is also a larger principle at stake. UPI is not merely another commercial payments platform. It is the product of public investment, regulatory architecture and private innovation. The state should therefore be wary of treating its sustainability as an ordinary market problem. The sensible answer lies between free-for-all subsidies and indiscriminate fees: transparent thresholds, genuinely low MDRs, strong protection for small merchants and an absolute firewall around ordinary consumers. The government should publish the economic case for any future charge, including its effect on merchants and consumers. UPI was built on trust as much as technology. The government is right to protect its remarkable achievement. It should remember that keeping UPI free is not merely a political promise. It is part of the product.

The Smart Tiffin: Packing Better Nutrition for Schoolchildren

A tiffin box doesn't need to be elaborate. It simply needs to be intentional.

Every morning across India, countless steel tiffin boxes are packed with love, care, and nourishing home-cooked food. For school-going children, a healthy lunch is about far more than filling an empty stomach. Growing bodies and developing minds need consistent, wholesome nutrition. They need protein to build muscle and strengthen immunity, fibre to support healthy digestion, and good fats, such as omega-3s, to aid brain development, concentration, and learning throughout the school day.


A tiffin filled with processed, sugary, or deep-fried foods may be exciting for a few minutes. However, it often leaves children feeling tired, distracted, and hungry again before the school day is over. That is why many mothers are constantly looking for fresh recipes and creative ways to pack nutritious meals that children will actually enjoy eating. A balanced, whole-food lunch keeps energy levels steady and minds alert. It also strengthens immunity, helping children stay healthy through India's changing seasons.

 

Packing a Balanced Tiffin

A simple way to think about it is to divide the tiffin into four notional parts: two parts protein, one part fibre, and one part healthy fat. Two parts protein could include paneer, eggs, lentils, sprouts, chickpeas, or grilled chicken. Protein is the most under-served nutrient in our diets, and building half the tiffin around it supports growth and keeps hunger at bay until the next meal. One part fibre—whole grains, vegetables, or fruit—slows digestion and helps keep energy levels and mood stable throughout the day. One part of healthy fat is often the most neglected. A few almonds, a drizzle of ghee, avocado, or seeds provide the healthy fats and fat-soluble nutrients that growing brains need, without the inflammation associated with packaged, fried snacks.


Tiffin Challenges

Getting that fibre portion in, however, is easier said than done, as most children have strong opinions about vegetables. This is where clever, disguised cooking helps. Grating or blending carrots and beetroot into parathas works well. Bottle gourd can be added to dosa or pancake batter. Pumpkin or capsicum can be hidden in pasta sauce, while finely chopped vegetables can be stuffed into cutlets and momos. These simple tricks let children eat their fibre without even noticing it. The vegetables do not disappear. They are simply reintroduced in a form that is less likely to be met with a firm "No!"


Of course, none of this is easy to execute on a weekday morning. There is often a school bus honking outside and a work call waiting. For working mothers—and increasingly, working parents—the tiffin box is often the single most stressful part of the day. Every morning begins with deciding what to cook. This is followed by sourcing the ingredients and hoping the child actually eats the meal. Together, these everyday decisions add up to real, cumulative anxiety.

 

Smart Planning

This is where planning quietly does the heavy lifting. A weekly menu—even a rough one stuck on the fridge—removes daily decision fatigue. Knowing that Monday is egg bhurji day and Thursday is paneer paratha day turns mornings into simple execution instead of last-minute improvisation. Pair it with a weekly grocery stock-up. Keep vegetables washed, eggs boiled, roasted chana ready, vegetables chopped, and herbs stored. This one habit can cut tiffin-related stress dramatically.


Two more small habits round out a well-planned tiffin. For the short recess, seasonal fruits and light snacks work best. Chikoo in winter, watermelon in summer, and roasted makhana throughout the year are simple, healthy choices. For the longer lunch break, seasonal herbs quietly lift both flavour and nutrition. Coriander and mint are refreshing in summer, while ginger and ajwain work well during the monsoon and winter. These functional additions support digestion and strengthen immunity throughout the year.


In the end, a tiffin box doesn't need to be elaborate. It simply needs to be intentional—rich in protein, with a little fibre and healthy fat; cleverly hidden where needed; planned a week ahead; and adapted to the season. That's a formula every working parent can hold on to, even on the busiest mornings.


(The writer is a specialist in nutrition. Views personal.)

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