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By:

Kaustubh Kale

10 September 2024 at 6:07:15 pm

Significance of Adhik Month

As Adhik Maas comes to a close, it is the right time to reflect on the deeper meaning of this sacred month. Adhik Maas, also known as Purushottam Maas, is dedicated to Lord Vishnu and is considered one of the most auspicious periods in the Hindu calendar. It is a month associated with prayer, discipline, reflection, charity and positive action. Why Adhik Maas Is Added Adhik Maas occurs roughly once every three years. The traditional Hindu calendar is lunisolar, which means it follows lunar...

Significance of Adhik Month

As Adhik Maas comes to a close, it is the right time to reflect on the deeper meaning of this sacred month. Adhik Maas, also known as Purushottam Maas, is dedicated to Lord Vishnu and is considered one of the most auspicious periods in the Hindu calendar. It is a month associated with prayer, discipline, reflection, charity and positive action. Why Adhik Maas Is Added Adhik Maas occurs roughly once every three years. The traditional Hindu calendar is lunisolar, which means it follows lunar months while also staying connected with the solar year and the seasons. Since the lunar year is shorter than the solar year, a difference gradually develops between the two. To bring the calendar back into balance, an extra month is added after almost every three years to synchronise the lunar and solar cycles. In simple words, Adhik Maas is a month of adjustment, alignment and correction. A Lesson for Our Own Lives This idea has a beautiful message for our own lives. Just as the calendar needs realignment, our life also needs regular realignment. Our habits, priorities, relationships, health, career and finances cannot be left unattended forever. From time to time, we must pause and ask ourselves whether our actions are matching our goals. Realignment in Investments The same principle applies to investments. Many people begin investing with good intentions, but after that, they do not review their investments and financial goals regularly. A SIP may be started, but it may not be increased for years. Lumpsum investments may be delayed even when money is lying idle in the bank. Financial goals may change, income may increase, responsibilities may increase, but the investment plan remains the same. Increase SIPs and Do Something Extra For long-term goals beyond three years, money should be invested in growth-oriented assets such as stocks, equity mutual funds, hybrid mutual funds and gold. If your income has increased in the last one year, your SIP should also increase. Ideally, one should try to invest at least 30% of monthly income through SIPs. This sacred month also teaches us the importance of doing something extra. In investments, that extra effort can be in the form of lumpsum investing. Whenever you receive additional money such as bonus, incentive, business profit, gift or surplus cash, it should be put to productive use. Correction Is Necessary for Growth Adhik Maas reminds us that correction is not a negative thing. In fact, correction is necessary for growth. The market also corrects to adjust itself and build a stronger foundation for newer highs in the future. That is why markets remain volatile and uncertain in the short term, but over the long term, they reward patience, discipline and consistency. Questions to Ask Before Adhik Maas Ends The end of Adhik Maas should not be seen only as the end of a religious period. It should be seen as an opportunity to take stock of life and money. Are your SIPs aligned with your current income? Have you invested your surplus cash? Are your investments sufficient for your future goals? Are you taking action, or only waiting? Reflection Must Become Action As Adhik Maas ends on 15 June, let us carry its message forward. Realign where needed. Correct what has been ignored. Add the extra effort required. A sacred month becomes truly meaningful when reflection turns into action. (The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)

When the Princess Left Her Fortress…

Updated: Jan 2, 2025

Princess Left Her Fortress

I recently saw a movie, it had this dialogue “teenage girls are psychopaths” and maybe it is right, maybe we are a generation full of messed up kids trying to survive in this deathly jungle we’ve created for ourselves. And this survival gets harder when you’re a 16-year-old that moves into a city way bigger than their own, to ‘step into the world’ with rosy dreams and rosy expectations. I am one of those 16-year-olds, who with very romanticised notions, very naively decided to step into the ‘City of Dreams’: Mumbai.


Mumbai, is probably 10 times the size of my not very humble, but very little town. Moving to Mumbai was my dream since 1st grade, and when that dream manifested, I was on Cloud 9. I thought my life would be perfect, I’d have the perfect group of friends, I’d go to fancy parties, I’d do lots of events in college, I’d be known, I’d be in my ‘Academic Beast’ ‘It Girl’ era and what not; but reality is pretty far from any of that. Back in my town, I was the top of the hierarchy, the Perfect Girl, centre of attention, the Lovely Queen; after moving to Mumbai, my life of the last 13yrs came crashing down on me. I became this introverted, invisible person; the friends’ group or lots of parties definitely did not happen, neither did the academic beast and It girl era.


I came to realise that Mumbai, no matter how pretty, beautiful and picture-worthy, is very harsh and extremely tough. No matter how much anyone says ‘Mumbai embraces all’, the ‘All’ still do feel left out to some extent, when everyone around you is this confident Mumbai Kid and you’re this awkward girl from out of town who knows nothing about the city, its people or its ‘culture’, who’s trying to push through this humongous crowd that’s, without trying very hard, swallowing you down; but standing here, watching this city move past me, I wonder Does Mumbai really not bother about anyone Or Is it just not willing to let you in?


But there’s still something to hang on to, somewhere to belong, isn’t there? When you go back home and you have friends there; Spoiler Alert: you don’t. When I went back home for my first holiday, I realised I didn’t belong there anymore, now I was the Mumbai Girl; 13yrs lost and forgotten, within 3 months. That’s when it hit ‘I’m all alone now’ neither do I belong in Mumbai, neither do I back at home. Trust me, I have never felt more lost in my life.


I’m the kind of people who thrive on attention and external validation, to have that very thing taken from me was very hard to live with. So, I chose to cope by holding on, holding on how? Well, simple tactic, making an indirect statement saying “you excluded me, but I belong in places better than you” how I did that? I held onto my past self, my actions were based on how pretty, fun and ‘happening’ my life was to look on Instagram. I did have fun, not that I didn’t, but most of it was for the eyes of the world and not my own satisfaction [it still is that way, I haven’t gotten any better yet].


Then came my midterms, and I wasn’t as great as I thought I’d be and my extracurriculars weren’t anything major either. That made me realise that I was like any other kid around me here, unlike when I was back home, always the different one, the one that stood out, and suddenly I didn’t anymore, I was ordinary. The realisation hit me, right in the face, hard and strong, that in this huge ocean, I was no whale or shark, just another little fish in the Shoal. My future suddenly became scary, thinking about college and university became terrifying and I just wanted to avoid it all, simply run away [I still do, sometimes] And now, I’m a mess.


But not all of it was bad honestly, Mumbai taught me a lot of things, it humbled me and it helped see: within myself and so many things about myself that I never really knew and were suddenly crystal clear in front of my eyes, as if a very loud noise had been shut down and I could hear clearly again. Back at home, I had this persona designated to me: ‘The Perfect Girl’ and suddenly I didn’t have to be anyone anymore, it was harder that way honestly, to not have a script to follow anymore. I had to discover myself and who I truly was for the first time Ever; I think that’s what I’m doing now, getting to know myself beyond who I was 6 months ago.


Things aren’t any better right now, I don’t think they will be for very long and sometimes moving here may seem like the biggest mistake I’ve ever made, but I wouldn’t want it any other way. So, this new year I have one resolution: I’m going to find who I am, a new persona, a new person, not defined by her past self, past life and this Social Jungle of teenagers she’s surviving in. This new year will be of rediscovery. So, here’s to 2025 and to all of us, whose lives changed because they stepped into the big, bad world out there; let us all be proud of ourselves as this year ends, because leaving our homes and lives behind is not easy and we lived that down: The Shift, the way it hit our egos and shattered our sense of belonging, but we didn’t run away, we strived through it and are surviving to see the light of day.


So, A Very Happy New Year People.


(The author is a student of St. Xavier College, Mumbai.)

1 Comment


Jayaram Kousik .
Jayaram Kousik .
Jun 12, 2025

Great write, yes Mumbai is a jungle and you have to fund your true bearings and none towards your destination

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