Lost in Transport

Mumbai’s grand transport infrastructure is undermined by potholes, Poor discipline and a last-mile gaps that keeps it crawling Mumbai: It is morning time, and Pawan Khandelwal is all set to leave for work. A creative lead at an ad agency in Malad, Mumbai, Khandelwal should take 12 to 15 minutes to reach the office, but that rarely happens because of the traffic, poor road quality and lack of civic sense among co-drivers on the road. He mostly ends up reaching the office in 30 to 40 minutes....

min read

Mumbai’s grand transport infrastructure is undermined by potholes, Poor discipline and a last-mile gaps that keeps it crawling Mumbai: It is morning time, and Pawan Khandelwal is all set to leave for work. A creative lead at an ad agency in Malad, Mumbai, Khandelwal should take 12 to 15 minutes to reach the office, but that rarely happens because of the traffic, poor road quality and lack of civic sense among co-drivers on the road. He mostly ends up reaching the office in 30 to 40 minutes. Khandelwal firmly believes that road construction is not a major issue for traffic. “The road under construction is not a big issue because they usually don’t take very long to repair the roads. But even after their work is done, it is not done perfectly. At times when they are digging up the road for other purposes, they often leave a bump or a pothole,” he said. He gives an example, “One can see it on the western express highway. There are so many bumps. We call it a highway, but we can’t even drive at 15 km/h because it is not fixed properly.” He also blames people for not following traffic rules, which adds to the problem. Traffic Woes Although there are coastal roads and metros available, the traffic still seems to be a problem for many residents. A media professional and a daily commuter, Charlene Flanagan has been travelling in Mumbai for many years now. There is not much difference in her experience of the traffic congestion. From her experience, she believes the coastal roads and metros have not completely accomplished the mission of curbing traffic congestion. She says, “As a resident of Mumbai and as a person with a valid driver’s licence, I would say the traf f ic hasn’t really changed. It is still as congested, and whether the coastal roads have helped depends on the time of the day you leave and whether you are going against the traffic or along with the traffic.” The pedestrians also face problems. Saloni Mehta, a theatre artiste, says, “I prefer walking to my destinations. For example, I live in Versova, and if I want to see a play in the Prithvi Theatre, I will take a half-hour walk. However, this one time, I could not reach the venue, not just because of the traffic but also because there were no pavements left to walk on. The roads are dug up, and every road is just half a road.” Mumbai’s average speed covered is 5.2 km per 15 minutes. During the peak traffic hours in the morning, when most people travel to their workplace, the average speed is 18.5 km/h. It is important to understand the issue and address it with a solution. Sudhir Badami, an author of the book ‘Matter of Equitability - Making Commuting in Mumbai Enviable’, explains why people still prefer to use cars over metros, “The metro line 3 has definitely taken away some car users. But it has not taken away sufficient numbers of car users to make a difference in the state of road congestion. The reason behind this is essentially the last-mile connectivity in areas where the Aqua Line or Line 7 operates, especially in suburban areas. In the city area, it is supported by good BEST services on the one hand, and taxis being available near the metro stations on the other hand. But most car users still opt for using their cars, as public transport currently does provide assured exclusivity, comfort and good frequency, not forgetting last mile connectivity. The Coastal Road sees very few cars compared to the number of cars on Mumbai’s Roads. Badami, as a transportation analyst, says, “Mumbai has approximately 16 Lakhs motor cars, out of which only about 55,000 seem to be using coastal roads. It is such a minuscule proportion for whom so much has been spent. This is largely because in the city, people don’t go from one end of the city to the other end. They normally start from in between and go somewhere in between. If there is not much time saving for the shorter stretches, then people are not likely to take it, and there will be continued congestion on city roads.” “In general, the necessity of the last-mile connectivity is an important part, but the greater part will be how to get car users onto the public transport,” says Badami. Public transport must provide near exclusivity, comfort and safety to a car-using commuter for migration to take place. This is where the importance of last-mile connectivity is felt. Air Pollution The slow-moving traffic also adds to the air pollution in the city several times more than when they are moving at optimum speeds, he says. Joint Commissioner of Police (Traffic), Mumbai, Anil Kumbhare, denies that there is much traffic congestion in Mumbai as compared to five years back. He credits the coastal roads for curbing the traffic. He says, “Earlier, there used to be bumper-to bumper traffic near Haji Ali. That has come down drastically. As coastal roads shape, the traffic will go down.” He also adds that there is traffic congestion in the morning hours as people are travelling for work. But there is no traffic jam. Although coastal roads have helped, there are still pockets of the city that face traffic congestion every day. This can be solved with careful planning and execution.

Why Women Are Better Investors Than Men

Kaustubh Kale
Mar 9, 2025
2 min read

Updated: Mar 10, 2025

As the world celebrated International Women's Day, discussions centered around women's achievements in various fields—business, leadership, science, and beyond. But one area where women consistently outperform men, yet receive little recognition, is investing.

Despite money management often being seen as a male-dominated field, women have quietly and consistently proven to be better investors than men. With patience, discipline, and a long-term mindset, women naturally possess qualities that make them superior money managers.

A Perfect Blend of Knowledge and Wealth

In Hindu mythology, Goddess Saraswati symbolizes knowledge, while Goddess Lakshmi represents wealth—two essential pillars of investing. The ability to manage wealth wisely stems from a deep understanding of financial principles, and this is where women excel. They take the time to learn, analyze, and make informed investment decisions rather than rushing into trends or speculation.

Why Women Make Better Investors

Several traits make women stand out as investors:

Patience and Long-Term Vision: Unlike men, who may be more prone to impulsive trading and get-rich-quick schemes, women tend to have a longer term mindset. Their ability to stay calm, especially during market fluctuations, leads to better returns over time.

Disciplined and Goal-Based: Women prioritize consistent savings and goal-based investing. This disciplined approach helps them build wealth steadily. Women naturally excel at budgeting, planning, and structuring investments to align with future goals, whether it’s children’s education, home buying, or retirement security. Their emotional connection with goals is what makes them stick to discipline.

Risk-Aware, Not Risk-Averse: Contrary to the stereotype, women are not afraid of risks—they are just more calculated about them, through appropriate asset allocation. Eventually, this approach ensures maximum returns with minimal risks.

Trust and Willingness to Learn: Women value education and expertise, making them more likely to seek guidance from a well-qualified financial advisor. Unlike men, who often overestimate their investing abilities, women approach financial decisions with a willingness to learn. Once they find a trusted expert, they follow sound advice instead of making emotional, short-term moves.

Women Leading the Financial World

These qualities are why many of the world’s leading financial institutions are now led by women. In India and abroad, we see prominent banks, asset management companies, and investment firms thriving under female leadership. Their ability to combine strategic thinking with emotional intelligence makes them exceptional at managing money—both at a personal and professional level.

Final Thoughts

With their trust in expert advice and a strong focus on financial education, more women should embrace their strengths and take control of their financial futures!