ports is not just about games—it’s about building generations.”
In a world where academics often overshadow athletics, Rajeev Kumar Cheruvara dares to rewrite the script. The visionary behind the Students World Cup (SWCC), he has transformed a decade-old idea into a ` 16,000-crore global movement that puts schoolchildren at the heart of sporting excellence. In this edition, we present a detailed account of how his vision is reshaping the intersection of sport and education—most notably through Cochin’s forthcoming 25-acre Sports City and an ambitious roadmap extending across continents. His mission is bold yet simple: to make India the sports capital of the world, and in doing so, build generations that are physically strong, mentally resilient, and united by the power of sport.
This month’s edition presents V.P. Nandakumar, MD of Manappuram Finance Ltd. offering valuable perspectives on “Kerala’s Coconut Conundrum: From Tree of Life to Economic Challenge.”
In addition, it features our regular segments on travel experiences, beauty insights, and reviews of movies and books, along with engaging and thought-provoking articles that provide business inspiration.
“To learn to read is to light a fire; every syllable that is spelled out is a spark.” - Victor Hugo
Wish you a joyful reading experience!
Thank you
Sd/-
Jebitha Ajit
India Plans Major GST Revamp to Boost Small Cars and Insurance
India is considering its most significant Goods and Services Tax (GST) overhaul since 2017, with a proposal to cut GST on small cars to 18% from the current 28% in an effort to revive demand in the segment, which has lost ground to SUVs. The plan, likely to be announced by Diwali in October, also suggests lowering GST on health and life insurance premiums from 18% to 5% or even zero, aiming to increase insurance adoption. If approved, the move would benefit automakers like Maruti Suzuki, Hyundai, and Tata Motors, as well as major insurers, with shares in both sectors rising 2%–8% following the report. The revamp may also simplify the current four-tier GST system into two slabs of 5% and 18%, while high-capacity cars could face a new 40% rate. The GST Council is expected to finalise the decision by October for nationwide implementation.
New
Delhi Drafts Bill to Ban Real-Money Online Gaming
“Try not to become a man of success, but rather become a man of value.”
Albert Einstein
The Indian government is set to introduce the Promotion and Regulation of Online Gaming Bill 2025, which seeks to ban online games played with real money due to their potential psychological and financial risks. The draft proposes prohibiting individuals or companies from offering or participating in such services, with violators facing fines and up to three years in jail. India’s online gaming industry has expanded rapidly, drawing billions in foreign investment and endorsements from leading cricketers, with platforms like Dream11 (valued at $8 billion) and Mobile Premier League (MPL, valued at $2.5 billion) driving growth, especially during the IPL season. The sector is projected to reach $3.6 billion by 2029, but the bill argues that these platforms use “manipulative design features” and “addictive algorithms” that foster compulsive behavior and financial distress. Dream11 and MPL declined comment, while the IT ministry has not yet responded.
India, Russia Strengthen Trade Ties Amid Western Pressure
India and Russia have reaffirmed their long-standing partnership during talks in Moscow between Indian Foreign Minister Subrahmanyam Jaishankar and Russian counterpart Sergei Lavrov, focusing on energy cooperation and broader trade expansion. Lavrov highlighted successful oil supplies to India and potential joint exploration in Russia’s Far East and Arctic regions. The meeting comes as the U.S. imposed tariffs of up to 50% on Indian goods in response to New Delhi’s rising crude imports from Russia, which Western nations argue indirectly fund the Ukraine war. India has dismissed such criticism, stressing its energy purchases are commercially driven and pointing to continued Western trade with Moscow. Both countries vowed to address trade imbalances, with India aiming to boost exports of pharmaceuticals, agriculture, and textiles, while Russia expressed optimism about maintaining energy supplies. Moscow also suggested future trilateral talks with India and China to enhance regional cooperation.
RBI Signals Continuity in Inflation Targeting Framework Ahead of 2026 Review
“When we strive to become better than we are, everything around us becomes better too.”
Paulo Coelho
The Reserve Bank of India (RBI) indicated that the current inflation-targeting framework, adopted in 2016, has worked well and may continue in its present form, while inviting stakeholder feedback ahead of a scheduled review in April 2026. The framework currently targets 4% inflation with a ±2 percentage point tolerance band. In its discussion paper, the RBI noted that most countries focus on headline inflation rather than core inflation, as excluding food prices would ignore the cost-of-living pressures on poorer households. The bank highlighted India’s success in achieving disinflation while retaining flexibility to manage external shocks, with trend inflation broadly aligning to the 4% target. It cautioned that raising the target could be viewed as a weakening of commitment by investors; while lowering it may lack credibility amid volatile global food prices. The final decision will be made by the government in consultation with the RBI.
Reliance Power, Reliance Infra Say CBI Probe on Anil Ambani Has No Impact
Reliance Power and Reliance Infrastructure stated on Sunday that a criminal investigation into industrialist Anil Ambani and Reliance Communications will not affect their business operations, financial performance, or stakeholders. The clarification followed search operations by India’s Central Bureau of Investigation (CBI) at Ambani’s Mumbai residence and the offices of the now-insolvent Reliance Communications after a complaint by State Bank of India alleging fraud. Ambani, through a spokesperson, strongly denied the allegations and pledged to defend against any charges. Both Reliance Power and Reliance Infra emphasized that Ambani has not served on their boards for over three and a half years, and therefore the probe into Reliance Communications has no bearing on their governance or management. The CBI action comes a month after India’s Enforcement Directorate searched 35 locations linked to the Reliance Group over suspected money laundering, which the group has denied.
SEBI Clears LIC Reclassification in IDBI Bank Ahead of Strategic Sale
“Setting goals is the first step in turning the invisible into the visible.”
Tony Robbins
India’s markets regulator SEBI has approved Life Insurance Corporation’s (LIC) request to be reclassified as a public shareholder in IDBI Bank, paving the way for the lender’s strategic sale. The government, holding 45.48%, and LIC, with 49.24%, together plan to divest 60.7% of their stake, with financial bids expected between October and December after due diligence was completed earlier this month. LIC, which became a promoter shareholder after taking control of IDBI Bank in 2019, will now lose board representation and strategic influence, aligning its role with that of a financial investor. Under SEBI’s approval terms, LIC’s voting rights will be capped at 10%, and it must reduce its stake to 15% or less within two years. Interested buyers reportedly include Emirates NBD and Canadian billionaire Prem Watsa. The government aims to complete the sale in the current fiscal year, with IDBI Bank shares already up nearly 25% in 2025.
Tesla Slashes UK Leasing Costs Amid
Sales Slump and Excess Stock
British motorists can now lease Tesla electric vehicles at just over half last year’s price, as the automaker offers discounts of up to 40% to leasing companies, The Times reported. The steep price cuts are aimed at clearing excess inventory, with Tesla reportedly facing a shortage of storage space for unsold vehicles in the UK. According to the Society of Motor Manufacturers and Traders (SMMT), Tesla’s UK sales plunged nearly 60% in July to just 987 units, compared to a 5% yearon-year drop in overall new car registrations nationwide. Despite the downturn, demand for battery electric vehicles is expected to grow, with projections showing they will account for 23.8% of new registrations by 2025, up slightly from an earlier forecast of 23.5%. Tesla has not responded to requests for comment.
Irish Rapper Mo Chara Fights Terrorism Charge Over Alleged Hezbollah Flag Incident
Hundreds of supporters gathered outside Westminster Magistrates’ Court as Liam Óg Ó hAnnaidh, known as Mo Chara from Irish rap group Kneecap, sought to dismiss a terrorism charge linked to a November 2024 London gig. The 27-year-old is accused of displaying Hezbollah’s yellow flag and shouting pro-Hamas and Hezbollah slogans, though Kneecap insists the flag was thrown on stage by the audience and that the case is politically motivated. Prosecutors argue the charge, filed under the Terrorism Act for displaying proscribed symbols, was brought within the six-month deadline, while defence lawyers claim it was lodged a day too late. Wearing a Palestinian keffiyeh, Ó hAnnaidh was joined in court by bandmates Móglaí Bap and DJ Próvaí as fans filled the gallery. Known for mixing Irish and English lyrics with political commentary, Kneecap has intensified criticism of Israel’s Gaza actions, recently leading anti-Starmer chants at Glastonbury.
French Researcher in Russia Faces New Espionage Charge Amid Ongoing Detention
Laurent Vinatier, a 49-year-old French researcher already serving a three-year prison sentence in Russia for violating “foreign agent” laws, is now facing an additional espionage charge, according to documents from Moscow’s Lefortovo Court. While details of the new accusation remain undisclosed, a hearing is set for next Monday. Vinatier was convicted last October for failing to register as a foreign agent while conducting research that authorities alleged involved gathering military-related information, and his appeal was rejected in February. During his trial, he expressed regret, declaring his affection for Russia and apologising for breaking the law. France has condemned his detention as arbitrary, with President Emmanuel Macron dismissing claims of state ties to Vinatier and accusing Moscow of misinformation tactics. Employed by the Switzerland-based Centre for Humanitarian Dialogue, Vinatier is regarded by academics as a respected scholar caught in escalating Russia-West tensions over the war in Ukraine.
UK Consumer Confidence Rises Slightly After Rate Cut but Optimism Remains Fragile
British consumer confidence improved modestly in August, lifted by the Bank of England’s recent interest rate cut, according to a GfK survey. The confidence index rose to -17 from -19 in July, its highest since December, as households reported a three-point gain in sentiment about personal finances. However, analysts cautioned that optimism remains fragile, with GfK’s Neil Bellamy noting confidence is still fluctuating within a narrow range and vulnerable to sudden shocks. Inflation climbed to 3.8% in July, while speculation over possible tax hikes in Finance Minister Rachel Reeves’ autumn budget has further tempered consumer outlook. Additionally, GfK’s savings measure fell four points to +30 after reaching its strongest level since 2007 the previous month. The survey, conducted between August 1 and 14 with 2,002 respondents, highlights the challenges of sustaining consumer confidence amid persistent inflationary pressures and looming fiscal concerns.
Shri V.P.Nandakumar MD,Manappuram Finance Ltd
India remains one of the world's largest coconut producers, accounting for over 30% of global output and ranking third in consumption. However, the distribution of production across the country tells a story of dramatic change. In the early 1970s, Kerala commanded an impressive 65% share of India's coconut production. By 2019-20, this figure had plummeted to around 38%, and the latest 2022-23 estimates show Kerala slipping to third place behind Karnataka and Tamil Nadu.
KERALA'S COCONUT CONUNDRUM: FROM TREE OF LIFE TO ECONOMIC CHALLENGE
The state that once dominated India's coconut economy is losing ground as prices soar and production shifts southward
The coconut palm, revered as the "Kalpavriksha" or tree of life in Indian tradition, has long been more than just an agricultural crop—it represents an economic lifeline for millions across southern India. Yet for Kerala, where coconuts form an integral part of the state's cultural, culinary, and dietary identity, recent months have brought unwelcome news. Coconut and coconut oil prices have surged dramatically, highlighting a troubling paradox: while global demand for coconut products continues to rise, the state that was once synonymous with India's co-
conut industry is steadily losing its dominance.
A Shifting Landscape
India remains one of the world's largest coconut producers, accounting for over 30% of global output and ranking third in consumption. However, the distribution of production across the country tells a story of dramatic change. In the early 1970s, Kerala commanded an impressive 65% share of India's coconut production. By 2019-20, this figure had plummeted to around 38%, and the latest 2022-23 estimates show Kerala slipping to third place behind Karnataka and Tamil Nadu.
This shift represents more than mere statistics—it signals a fundamental transformation in India's coconut economy, with Kerala's historical advantage eroding despite the crop's deep cultural significance to the state.
Growing Demand, Constrained Supply
The irony of Kerala's declining fortunes becomes more pronounced when viewed against the backdrop of rising demand. Research indicates that India's demand for coconuts and copra reached 11.74 million metric tonnes in 2023, with projections showing steady growth at
a compound annual growth rate of 0.39% through 2028.
Consumer behaviour is evolving as well. Urban upper-middle-class households are increasingly turning to convenience products such as desiccated coconut, while healthconscious consumers drive demand for premium offerings like virgin coconut oil and packaged coconut water. This dual pattern—traditional uses coexisting with modern, wellness-focused consumption—creates new market opportunities that Kerala is struggling to capitalise upon.
The export market adds another dimension to the demand equation.
According to the Coconut Development Board, export values have surged from `525 crore in 2010-11 to ` 3,500 crore in 2022-23, with
major demand emanating from the United States, Europe, and the Middle East. Key export products include desiccated coconut, coconut water, and value-added oils, particularly virgin coconut oil, which commands premium prices in healthconscious international markets.
The Kerala Predicament Kerala's struggles stem from multiple, interconnected challenges. The state's coconut industry remains dominated by small land holders working with ageing palms that yield less than their younger counterparts. Pest infestations, particularly root wilt disease, have further constrained productivity, while high labour costs make harvesting and processing increasingly expensive
compared to other regions.
The labour-intensive nature of coconut cultivation and processing creates additional cost pressures. From climbing palms to extract coconuts to the complex processes involved in producing value-added products, the industry requires significant human resources, making it vulnerable to rising wage costs and labour shortages.
Perhaps most significantly, Kerala's coconut-based industries—ranging from coir and copra to coconut oil processing—increasingly rely on raw materials sourced from neighbouring states. This dependence not only raises procurement and transportation costs but also undermines the state's ability to control quality and supply chains for its traditional
industries.
A Path Forward
Despite these challenges, opportunities remain for Kerala to reclaim its position in India's coconut economy. Industry experts suggest several strategic interventions that could help the state leverage its cultural heritage and processing expertise.
A systematic replanting programme, supported by government initiatives, could address the productivity constraints posed by ageing palms. Such efforts would require coordination between state agencies, financial institutions, and farmer communities to ensure proper varietals are planted and maintained.
Strengthening farmer collectives through producer organisations could help smallholders achieve economies of scale, pool resources for better equipment and processing facilities, and access premium mar-
kets that individual farmers cannot reach independently.
The state's traditional strength in coconut processing could be revitalised through investment in value-addition clusters focused on high-growth segments such as virgin coconut oil, desiccated coconut, and premium coconut water products. These facilities could process raw materials from across southern India while maintaining Kerala's reputation for quality.
Perhaps most intriguingly, Kerala could pursue premium branding strategies similar to those used successfully for the state's spice industry. Positioning Kerala coconuts and coconut oil as heritage, premium products could open niche export opportunities and command higher prices in discerning international markets.
The state's coir industry, tradi-
tionally a significant employer and export earner, could be repositioned to capitalise on growing global interest in sustainable products. Biodegradable mats, ropes, and packaging solutions made from coconut coir align perfectly with international trends towards environmental responsibility.
Balancing Tradition and Transformation
Kerala's coconut industry stands at a crossroads. The recent surge in prices underscores the mismatch between constrained local supply and growing demand, both domestically and internationally. However, this challenge also represents an opportunity for the state to reimagine its relationship with the crop that has defined its agricultural identity for generations.
Success will require a delicate balance between preserving traditional knowledge and embracing modern agricultural and processing techniques. It demands coordination between government policy, farmer empowerment initiatives, and entrepreneurial innovation. Most importantly, it requires recognition that while Kerala may no longer dominate India's coconut production by volume, it can still lead in value-addition, quality, and premium market positioning.
The coconut palm may be called the tree of life, but for Kerala, it represents something more: a chance to demonstrate that agricultural heritage and modern economic opportunity can coexist. Whether the state can transform its declining production share into a comeback story will depend on its ability to adapt while remaining true to the cultural significance of this remarkable crop.
For a state where coconuts are woven into the very fabric of daily life—from cuisine to festivals, from traditional medicine to modern wellness products—the stakes could not be higher. The question is not whether Kerala will remain connected to coconuts, but rather how it will ensure that connection continues to provide economic sustenance for generations to come
RAJEEV KUMAR CHERUVARA: GAME CHANGER BEHIND A
SPORTING REVOLUTION
Sometimes, the biggest ideas are born in the darkest moments. A decade ago, when his real estate business was crumbling under the weight of recession, Rajeev Kumar Cheruvara could have walked away quietly. Instead, he found himself on an entirely new playing field—one that would redefine his life and
potentially reshape the future of sports for millions of young people worldwide. That spark became the Students World Cup (SWCC), now poised to be one of the most ambitious youth sporting initiatives in history.
A Standing Ovation for an Idea
Rajeev still recalls his early days
with humility. His friend Saju’s words—“You initiate… things will follow”—were enough to push him forward. At his first official meeting, Justice Dinesh Maheshwari asked those assembled in the room to give him a standing ovation, not for who he was, but for the idea he carried. “That moment wasn’t about me,” Rajeev reflects. “It was about what
CEO,
Rajeev Kumar Cheruvara
SWCG India Ltd & Secretary, SWCC
we could create together.” Today, with support from over 100 sports legends and global patrons, SWCC is valued at an astounding ` 16,000 crore for its first three editions—proof that the vision has muscle to match its dreams.
Power of Purpose
The SWCC is not just another tournament. It is a movement dedicated exclusively to school students, aiming to make sports an inseparable part of education.
Beginning with Under-17 categories and expanding to Under-15, it spans 36 sporting disciplines, from athletics to swimming. The structure is rigorous—state-level knockouts leading to nationals, and finally, the grand World Cup finals. With
prize pools running into crores of rupees, mentorship from legends, and even residential training for exceptional talent, SWCC is designed to create not just winners but a generation of healthier, stronger, and sharper youth.
Beyond Cricket, Towards Equality
India may breathe cricket, but Rajeev’s vision is bigger than one sport. “Cricket already has a strong platform,” he says. “It’s the medallists in other sports who need recognition and support.” By excluding cricket from SWCC, he ensures the spotlight shines equally on underrepresented disciplines, creating opportunities for athletes who often remain
unsung despite their talent. The Dream Sports City Kochi is set to become the heart of this sporting revolution. In partnership with Ajinorah Group of Companies, SWCC is building its first Sports City, spread over 25 acres near the Cochin International Airport. Complete with an internationalstandard residential sports school, a 1 lakh sq. ft. indoor stadium, dedicated training arenas for volleyball, basketball, kabaddi, hockey, athletics, football, and even a world-class swimming pool, the facility is nothing short of futuristic. With parking for 5,000 vehicles, guest cottages, and service apartments, it is designed to host international
The SWCC is not just another tournament. It is a movement dedicated exclusively to school students, aiming to make sports an inseparable part of education. Beginning with Under-17 categories and expanding to Under-15, it spans 36 sporting disciplines, from athletics to swimming. The structure is rigorous—state-level knockouts leading to nationals, and finally, the grand World Cup finals.
events seamlessly. Sports Cities are also planned for Karnataka, Tamil Nadu, the UAE, and even the Maldives where the government is offering 108 acres on an atoll. By 2030, when India hosts the Commonwealth Games, these cities will stand tall as the backbone of a new sports ecosystem.
The Man Behind the Movement
While Rajeev is quick to credit his team, his own journey is no less compelling. An alumnus of IIM Kashipur, he specialises in consumer behaviour, blending datadriven insights with creativity. His book, Marketing Push Customers to Pull the Brand, redefined how marketers approach consumer engagement. His Guinness World Record for building the world’s largest Christmas star is proof of his flair for bold, unconventional ideas. Recognised by the Times of India for his innovative marketing strategies, Rajeev continues to bring the same energy to SWCC—transforming it from an idea into an international movement.
A Vision for 2036
The roadmap is clear. With the first three World Cups scheduled for 2026, 2028, and 2030, Rajeev and his team are building momentum for the Olympics of 2036, where India’s youth will no longer be underdogs but contenders. “Our motto is simple,” he says. “To make India the sports capital of the world.” With global patrons, government attention looming, and the passion of thousands of schools ready to participate, the dream looks well within reach.
When the Goal Matters
Rajeev Kumar Cheruvara is not just chasing a dream; he’s building an empire of purpose—where education meets sport, where talent meets opportunity, and where the youth of the world unite beyond borders. What began as a flicker of hope in his toughest days is now a flame bright enough to light up a generation. And if his story tells us anything, it is this: sometimes, the most powerful revolutions begin with one person daring to believe
The roadmap is clear. With the first three World Cups scheduled for 2026, 2028, and 2030, Rajeev and his team are building momentum for the Olympics of 2036, where India’s youth will no longer be underdogs but contenders. “Our motto is simple,” he says. “To make India the sports capital of the world.” With global patrons, government attention looming, and the passion of thousands of schools ready to participate, the dream looks well within reach.
Rajesh Nair Partner, Ernst & Young LLP
AI platforms are powerful mirrors; they reflect the precision of our instructions. The true art lies in crafting prompts that are tailored, clear, and actionable. Prompt mastery unlocks AI’s full potential, transforming vague requests into bespoke solutions.
MANAGING AND LEVERAGING AI: A PROFESSIONAL’S 2025 PLAYBOOK
Artificial Intelligence (AI) has moved far beyond its buzzword status—it’s now the linchpin of workplace productivity and personal career growth. In 2025, for any professional starting his or her journey, knowing how to manage and leverage AI isn’t just a competitive advantage—it’s essential.
Mastering Prompts: The New Power Skill
AI platforms are powerful mirrors; they reflect the precision of our instructions. The true art lies in crafting prompts that are tailored, clear, and actionable. Prompt mastery unlocks AI’s full potential, transforming vague requests into bespoke solutions.
Types of Prompts and Their Best Uses
• Open-ended questions: Encourage expansive thinking, perfect for brainstorming or exploring new concepts.
Example: “Explain three ways AI can improve customer service.”
• Specific instructions: Harness focused, results-driven outputs—ideal for technical or process-driven tasks.
Example: “Summarise this meeting transcript in under 150 words.”
• Few-shot prompting: Provide sample inputs and ideal responses to define tone, format, or reasoning style.
Example: Give 2-3 customer queries with ideal responses to shape your help desk replies.
• Task-based prompts: Direct AI for creative writing, coding, or troubleshooting.
Example: “Write JavaScript code to parse a CSV file and extract all email addresses.”
Prompt Mastery Techniques
• Be explicit: “List five project management tools and compare their pricing.”
• Guide style and structure: “Reply with empathy first, then offer a practical solution.”
• Iterate: Refine through trial and feedback (“Make the summary less technical for non-experts”) for continually better results.
Working Smarter With AI
AI is not just about automation— it’s about augmentation. Here’s how today’s professionals are working smarter:
• Task Automation:
AI streamlines repetitive, lowvalue tasks—data entry, scheduling, documentation—freeing up time for creative and strategic work.
• Skill Building:
AI-powered platforms personalise learning journeys, matching courses to interests and helping close gaps found in your profile.
• Error-Correction and Support:
Instant feedback agents identify mistakes, suggest fixes, and offer tutorials directly within work tools.
• Market Intelligence:
AI rapidly parses market trends, providing insight into skills in demand and alerting users to strategic industry shifts.
• Personal Productivity:
Smart assistants can prioritise listings, cluster tasks, and draft emails or messages—turning chaos into clarity.
Examples in Practice
• Job Search Automation:
AI assistants sift relevant positions and tailor applications—improving both visibility and fit.
• Meeting Productivity:
AI tools summarise meetings, extract action items, and create reminders, turning hours of manual work into seconds.
• Writing and Coding Copilots:
Platforms such as GitHub Copilot automate code documentation and error detection, allowing even new developers to focus on building instead of debugging.
• Research and Analysis:
AI helps professionals navigate vast data sets, producing concise, actionable reports with minimal human intervention. How to Make AI Platforms Work for You
• Treat AI as a thinking partner:
Use it to augment, not replace, your judgment.
• Invest time up front:
Explore and learn core AI platforms in your field (ChatGPT for writing, Copilot for coding, Notion AI for organisation).
• Personalize continuously: Provide consistent feedback—AI learns and adapts, becoming ever smarter at supporting you.
• Balance automation with oversight:
Let AI handle the routine, but review critical outputs to prevent
errors and reduce bias.
The Eternal Debate: Does AI Raise the Floor or the Ceiling?
As AI democratises opportunity, two compelling developments emerge for early-career professionals:
1. Making the Average Student Above Average
AI levels the playing field by:
• Delivering personalised feedback and coaching for every user.
• Offering instant summaries, explanations, and practice—closing foundational gaps efficiently.
• Automating organisational and repetitive tasks.
• Providing step-by-step guidance for complex problems.
2. Making the Very Good Student Spectacular
For top performers, AI:
• Speeds up research, prototyping, and coding by automating foundational steps.
• Enables gifted professionals to
focus on creativity, strategy, and innovation.
• Offers advanced tools for exploration, such as data analysis and novel concept generation, amplifying their abilities.
The Reality: AI Expands Both Floor and Ceiling
AI empowers all users, but mastery in prompt crafting, tool selection, and iterative feedback is what makes the difference. Average professionals become above average by automating and clarifying essentials. Exceptional professionals deploy AI for speed, insight, and creativity, working smarter—and faster—than ever before.
A professional who masters the art of prompts and views AI as a true partner will not just survive—she’ll thrive. In 2025 and beyond, those who learn to manage, leverage, and iterate with AI will write their own success stories.
Best Practices for Creating
Very Creative and Effective Prompts
Effective prompt engineering is the catalyst for unlocking powerfully creative, reliable, and targeted results from AI models. As we step into 2025—with AI now a daily workplace companion—crafting impactful prompts is both an art and a science.
Here’s a guide to the best practices that produce inventive prompts and high-quality output:
1. Be Clear, Specific, and Descriptive
Successful prompts leave little room for ambiguity. Articulate exactly what you want—define the task, the desired context, output format, length, tone, and target audience. When your request is clear, the AI’s response will be precise and relevant.
Example:
“Summarize the following article as a bullet list focusing on ethical AI practices. Limit each point to 15 words. Use simple language for a general audience.”
2. Provide Context and Background
The richer the context, the more targeted the AI’s responses. Frame your prompt with relevant background information; this guides the AI’s lens and helps avoid misinterpretation.
Example:
“As a marketing expert targeting social media influencers aged 18-25, list three trends for summer campaigns.”
3. Use Positive, Action-Oriented Instructions
AI tends to interpret negative instructions unpredictably. Focus prompts on what you do want: actionable, constructive directions enable the AI to deliver desired outcomes.
Example:
Instead of “Don’t use jargon,” write “Use clear, everyday language suited for a general audience.”
4. Offer Examples or Exemplars (Few-Shot Prompting)
Demonstrate by example. By sharing sample responses, you set expectations for tone, style, or structure—especially useful for highly creative tasks.
Example:
“Here are two creative social media bios. Generate a third in a similar, playful style.”
5. Structure Your Prompt and Use Delimiters
Break instructions into clear steps or sections. Use delimiters (“###”, “---”, quotation marks) to segment complex requests, making it easier for the AI to follow and organise its output.
Example: Write a poem about autumn.
Format: Four lines, ABAB rhyme scheme
Tone: Nostalgic and uplifting
6. Assign a Persona or Scenario
Asking the AI to respond as a
persona or within a scenario boosts relevance and creativity. This technique is ideal for industry use cases or imaginative writing.
Example:
“Imagine you are a futurist. Describe education technology advancements in 2045.”
7. Encourage Step-by-Step Reasoning or Analysis
For tasks demanding logic or innovation, prompt the AI to “think aloud” or dissect a problem stepwise. This creates nuanced responses perfect for brainstorming or troubleshooting.
Example:
“List three novel startup ideas for renewable energy. For each, explain its unique selling point.”
8. Set Constraints and Request Multiple Perspectives
Define limits for length, tone, or viewpoint, and ask for diverse solutions. Constraints foster creativity, while varied perspectives make output richer and more insightful.
Example: “In 100 words or less, compare remote work impacts for developers, managers, and designers.”
9. Iterate and Refine
Prompt engineering is rarely “one and done.” Experiment with wording, analyse results, seek feedback, and keep evolving your prompts to achieve optimal creativity and accuracy.
Example:
Start with “How can I improve my writing?” and refine to “Suggest three ways to increase clarity and emotional impact in business writing.”
10. Avoid Unnecessary Jargon
Use plain, accessible language unless specific terminology is required. Simplicity widens the scope for creative responses and prevents misinterpretation.
11. Quote Sources or Request Citations (if Relevant)
When accuracy is key, ask the AI to cite sources or reference materials. This helps minimise errors and strengthens creative nonfiction projects.
12. Test and Experiment with Formats
Explore different prompting approaches—try zero-shot, fewshot, scenario-based, and more. Fresh formats often produce unexpected, original ideas and continually enhance your results.
Great prompt engineering is a blend of clarity, creativity, and structure. By guiding AI through explicit, well-organised instructions—and by iterating and experimenting—professionals can unlock extraordinary value and innovation from AI tools. In 2025, those who master the art of prompting will lead in productivity, creativity, and impact
Dr Arun Oommen
MBBS, MS (Gen Surg), Mch (Neurosurgery), MRCS Ed (UK), MBA (Hospital administration), ENLS, DLitt(H), Phd(H), D Sc(H) Neuro Endoscopy Fellow Senior Consultant Neurosurgeon VPS Lakeshore Hospital Kochi, India.
Breakfast is the most important meal of the day. Those who have a well-balanced breakfast show improved memory, creativity, focus, and overall performance. Breakfast should contain the right amount of protein, carbohydrates, fresh fruit and vegetables.
HOW PROPER FOOD HABITS BOOST MEMORY AND INTELLIGENCE
Intelligence comes in two forms: crystallised intelligence and fluid intelligence. The former is defined as the ability to use learned knowledge and experience. This form of intelligence grows as you age. On the other hand, fluid intelligence is defined as the ability to solve new problems, use logic in new situations, and identify patterns Fluid intelligence peaks in early adulthood and then begins to decline gradually with time. Psychologists believe that this form of intelligence can be improved. By setting aside time to exercise your mind, you can become more creative, focus better, and solve problems quicker. Also, find out about the proper nutrients your brain needs for enhanced intelligence.
Breakfast is the most important meal of the day. Those who have a well-balanced breakfast show improved memory, creativity, focus, and overall performance. Breakfast should contain the right amount of protein, carbohydrates, fresh fruit and vegetables. One third should be filled with a protein-based food, one third with a variety of fresh fruit and veggies, and a quarter with starchy carbohydrates .Make sure you add some good fats and you have a nutritious breakfast . The sugars in these foods are released more slowly into your blood stream. This means they satisfy your hunger for longer and help
your energy levels to increase. To keep your blood sugar levels stable and your brain supplied with fuel, aim to eat three small meals a day with a couple of healthy snacks in between. Ideas for healthy snacks include low fat yoghurt, oatcakes, fresh or dried fruit, smoothies or low-fat cereal bars. A heavy meal late at night can disrupt your sleep, so try to eat at least three hours before going to bed. This will help your body digest your food before sleep
Brain uses only glucose for fuel. It consumes around five grams an hour, but does not know how to store it. That is why brain has to be regularly supplied by glucose via the circulatory system. The most difficult task within intellectual performance- the capacity to memorise- depends on the blood level of glucose. The complex sugars and those, which have a low glycaemic Index, are crucial. Bread, Pasta, brown rice and Pulses are full of these complex sugars, and their glycemic index is one of the lowest. It really allows the regulation of glucose in the blood and supplies the brain without creating a reaction of hyperglycaemia.
Vitamin E is necessary for brain health because it works as an antioxidant. This vitamin occurs to be one of the most powerful antioxidant and protects brain’s fatty tissues from ageing Research has shown that Vitamin E delays the
Blueberries help to maintain healthy cognitive function and smoothly working nerve cells The fact that they are able to fight cancer is also encouraging. Blueberries have been shown to actually reverse some of the ageing that occurs in the brain.
onset of Alzheimer’s disease. Eat leafy green vegetables, kiwi, and nuts to up your intake of this vital nutrient . The vitamin E and magnesium in almonds will keep your brain at top-working capacity. Avocado is surprisingly rich in Vitamin E. Recent research has shown that absorption of two key carotenoid antioxidants, beta carotene and lycopene, increases significantly when fresh avocado or avocado oil is added to any avocado-free salad.
Protein is able to stimulate orexin neurons, the cells in your brain responsible for keeping you awake. All animal by products such as fish, meats, dairy, and eggs are packed with protein. Eggs are rich in amino acids, vital in the production of the principal neurotransmitters. Eggs contain phospholipids and lecithin,
integral to build up membrane of brain cell. A synthesis made from serine and methionine are used in the process of memorisation, where noradrenalin, stimulating learning, and its production rely on the presence of tyrosine and phenylalanine, all are found in eggs’ proteins.
Blueberries in particular are able to increase concentration and memory” . This is due to the large amount of antioxidants they contain. Blueberries are one of the most potent antioxidant foods on the planet These powerful nutrients are able to stimulate the flow of blood and oxygen to your brain which results in sharper focus. Blueberries help to maintain healthy cognitive function and smoothly working nerve cells The fact that they are able to fight cancer is also encouraging. Blue-
berries have been shown to actually reverse some of the ageing that occurs in the brain. Other small, darkly colored berries, like cherries, raspberries, gooseberries and mulberries provide similar health benefits. All edible berries are also rich source of Vitamin C. Together, they not only strengthen blood capillaries and improve circulation, which enable the best oxygenation of the brain, but also fight against free radicals which can affect nerve cells, especially brain cells. People who consume more vitamin C perform better in tests for recall, memory and attention. When picking fruit and veg, go for a rainbow of colours– not just because they look good, but because this is a guide to the good things they have inside.
Eating cold water fatty fish, such
as salmon not only helps you to improve memory retention, but can also protect you for degenerative mental disease such as dementia. That is because they contain high levels of essential fatty acids called DHA. Fish oil may reduce inflammation in the brain and offer a protective effect. Try to eat at least two portions of oil-rich fish a week.
Brain cells need a good supply of oxygen. A lack of iron in your diet can reduce your blood’s ability to carry oxygen, reducing the amount delivered to your brain. Not getting enough iron can also cause problems such as poor concentration, lack of energy and tiredness. Lowfat meat is an excellent source of iron It contains iron and zinc which are important minerals for cognitive function of the brain. These elements participate in mitosis of brain cells and in reactions of DNA synthesis. Other good sources of iron include egg yolks, pulses such as red kidney beans and lentils, dried apricots, fortified breakfast cereals, broccoli, wholegrain cereals and whole meal bread.
Brain doesn’t get enough fluid you’ll feel tired and be more likely to suffer from headaches. Aim to
drink 6-8 glasses of fluid a day. Water is the healthiest choice but fruit juice, fruit smoothies and milk also count towards your fluid intake
Food rich in B vitamins, such as chicken, potatoes and bananas, can help improve your memory and keep your brain healthy. magnesium is an essential mineral in the transmission of nervous impulses. Bananas are a source of Vitamin B6 and magnesium. B6 vitamin is not only involved in the assimilation of magnesium, but also in the metabolism of amino acids and the functioning of the nervous system through producing certain neurotransmitters, notably gamma amino butyric acid and serotonin. Both of them create the right state of mind for prudent, calm and measured behavior.
All leafy vegetables share richness in Vitamin B9 (folates), which is thought to play an active role in the development of a fetus’ nervous tissue and also in the renewal of blood cells. If spinach is not to your taste, go for lamb’s lettuce, watercress, broccoli, iceberg lettuce or different types of herbs. Among these veggies, rosemary is worth noting as it has certain flavonoids
notably apigenin that has stimulating properties affecting memory and concentration through encouraging cerebral blood flow.
The flavonol in dark chocolate boosts the circulatory system, increasing the amount of blood that reaches your brain. Hence is found useful during an exam. Ginkgo biloba increases the blood flow to the brain to increase shortterm memory, improve focus, and reduce dementia. Tea also showed protective effects on the brain. Besides the well-known high antioxidant content which help fight free radicals and boost the brain’s activity, tea drinkers do better on tests on memory and information processing
Exercise contributes to overall physical and mental health. Having a healthy body leads to development of intelligence. Simple writing, Meditation, Involving in critical thinking activities, being creative, regular IQ exercises, playing competitive games( chess), listening to music and proper sleep can help to improve intelligence. Social interaction enhances synaptic activity of the brain and improve intelligence
STUDENTS WORLD CUP INTERNATIONAL LAUNCH
The Students World Cup proudly celebrated its International Launch on 12th July 2025 in New Delhi, India, in the esteemed presence of distinguished guests from across the globe. The event was graced by Chief Guest Hon’ble Justice Dinesh Maheshwari, Chairperson of the 23rd Law Commission of India and Former Judge of the Supreme Court of India, along with Chief Guest Prof. Luis G Franceschi, Assistant Secretary-General of the Commonwealth of Nations. The
Guest of Honour was His Excellency Dr. Mohammad Ahmed Bin Fahad, Chairman, Patron & President of SWCC for GCC Countries, Africa and Europe, while Special Guest Dr Abdulla Rafiu, Honourable Minister of Sports, Fitness and Recreation, Maldives, added further international significance to the occasion.
The launch brought together an extraordinary gathering of recipients of the Padma Awards, Arjuna Awards, and Dhyan Chand Awards; Olympians; national and
Chief Guest – Justice Dinesh Maheshwari
international sports personalities; eminent legal luminaries; business leaders; financial experts; and representatives of leading educational institutions. Their presence underscored the scale and vision of the Students World Cup as a global initiative to unite, inspire, and empower students through the transformative power of sports. The Delhi launch not only marked a historic beginning but also laid the foundation for what is set to become the world’s largest student-centric sporting platform.
(Chairman of the Law Commission of India, Former Judge of the Supreme Court of India, Former Chief Justice of the Karnataka and Meghalaya High Courts, and Former Chief Patron of SWCC)
Hon’ble Justice Dinesh Maheshwari, in his address, spoke with warmth and pride about his association with SWCC. He shared how gratifying it has been to witness the organisation grow from a mere idea into a living reality, shaped by years of dedication and teamwork. Having been closely connected for over a year, he recalled the memorable second launch on 10th April and the bittersweet moment when he was invited to join the Law Commission of India—an honour that required him to step down from his role as Chief Patron of SWCC.
With a personal touch, he spoke about his own fond memories of playing cricket during his legal career, particularly the lawyers’ cricket matches that he thoroughly enjoyed and often excelled in. Drawing from these experiences, he reflected on the true essence of sport—its power to keep winners grounded, to help us accept defeat with dignity, and to inspire resilience in others. He cited the humility of champions like Mary Kom and the grace shown by Magnus Carlsen in defeat, as examples of the priceless values sports bring into our lives.
Justice Maheshwari emphasized that the time has come for India to view sports not just as a competition, but as a force that shapes character, builds communities, and opens new opportunities. He lauded the recently announced National Sports Policy as a bold and refreshing framework that goes beyond previous models, focusing on grassroots development, nurturing initiatives like Khelo India, and creating career pathways not only for athletes but also for countless professionals in related fields.
Commending SWCC as a model of private initiative and international cooperation, he praised the energy of the youth driving it forward. He observed that the growing involvement of private entities in sports is a welcome trend, one that can cultivate champions across disciplines and enhance India’s presence on the world stage.
Chief Guest, Prof. Luis G. Franceschi, Asst. Secretary-General of Commonwealth of Nations, Patron of SWCC for Commonwealth of Nations
Prof. Luis G. Franceschi began with warm greetings and appreciation for the efficiency of Delhi Airport. Hon Shirley Ayorkor Botchwey, Secretary-General of the Commonwealth, conveyed her greetings and acknowledged the presence of distinguished guests and luminaries. She spoke of unity, brotherhood, and the belief that no human is limited, drawing inspiration from India’s sporting spirit—citing Chak De! India, Bagh Milkha Bagh, Mary Kom, Neeraj Chopra, Gukesh, Virat Kohli, and Anju Bobby George. She highlighted the Commonwealth’s commitment to development and peace, describing sports as a language that unites cultures and nations, fosters friendship, and drives sustainable development across 56 member states. Encouraging the youth to celebrate even small wins, she affirmed that the Commonwealth is “all of us together,” not just a single nation.
Guest of Honour- His excellency Dr Mohammad Ahmed Bin Fahad, Patron of SWCC for GCC, Europe & African Nations
His Excellency Dr Mohammad Ahmed Bin Fahad delivered an energetic and engaging address, beginning with heartfelt thanks to Mr. Rajeev Kumar for the invitation and warmly greeting the dignitaries. He fondly mentioned his close associate, Mr. V.S.N. Anilkumar, referring to him as a brother. In a light-hearted moment, he remarked that all the previous speakers had already covered most points, bringing joy and laughter to the gathering. He shared that, despite coming from a different heritage and place, he felt truly at home among the Indian community. Emphasising the role of the Students World Cup, he said it must bring ideal personalities into society, fostering peace, and serve as an umbrella for all youth, ensuring benefits for everyone and not just a few. He praised it as one of the greatest sporting ideas of the 21st century and urged that humanity remains at the heart of all such initiatives.
Recalling an inspiring example of a visually impaired individual excelling through sports and now serving in Dubai Police, he highlighted sports as a unifying and empowering force. He concluded by saying that wise leadership can steer the ship of sports globally without the constraints of money, as sports is the one arena where all human beings are truly equal.
Dr. Abdulla Rafiu, Minister of Sports Fitness, and Recreation in Maldives
Dr. Abdulla Rafiu opened with warm greetings—“Good afternoon and As-salamu Alaikum”—calling it a proud moment for the world of sports. He expressed joy in joining the event and appreciated the ambition and vision of the movement, noting it was an honour to stand alongside Padma awardees, Olympians, and eminent sportspersons. He thanked Mr. Luis and Mr. Ahmed from the GCC and expressed confidence that this initiative will create a meaningful impact beyond borders.
Highlighting sports as a powerful medium of unity, peace, and nation-building, he shared Maldives’ commitment to transforming school sports through the newly refined Sports Bill and the President’s “Maldives Fitness Test” program for school children. He described today as a historic moment, with a powerful movement emerging from India, and expressed belief that the Students World Cup will help make India a global capital of sports. He concluded by thanking Rajeev Kumar for including him in this assembly and assured is full personal and official support.
Aruneshwar Gupta, President of SWCC
Aruneshwar Gupta, President of SWCC, began his welcome address with a warm greeting to all dignitaries. He spoke about the legal and corporate structure of sports governance, highlighting the importance of accountability, commitment, and long-term vision among those managing sports in India. He pointed out that although there are 150 recognized sports federations in the country, not a single international sports federation is registered here. While the global sports industry is valued at around 2 trillion dollars, India’s share is only about 20 billion dollars. He reflected on the history of sports law in Rajasthan and Himachal Pradesh and noted how the IPL came into existence, clarifying that the IPL is not a league but a tournament—not a grassroots initiative. He emphasized that the current progress is not merely due to government efforts but the result of restructuring the sports ecosystem. He added that development in Indian sports has not been driven by the Indian Olympic Association or federations, but by the sacrifices of families, community support, and the relentless work of grassroots coaches. He mentioned that although the Olympics generate 7.7 billion dollars in revenue, not even a single dollar reaches the athletes directly. This vision, he said, was first discussed with Rajeev more than a decade ago, and he has been part of nurturing that idea ever since. He stated that sports should be a way of life for every student, and that the Students World Cup aims to create a platform where students from all districts, states, and schools can connect and celebrate together. He emphasized that the Students World Cup must achieve what the IPL could not—build a true sporting culture and that the focus is on building a strong talent identification system starting at the grassroots by tracking every student. Concluding his remarks, he described the Students World Cup as a Made in India initiative, a generational dream, and a global platform for youth.
Dr Syamraj S, Vice President of SWCC State association executive committee (Kerala) & Director of SWCG India Ltd
Started with a warm Greetings to all luminaries. Dr. Syamraj. S was very like-minded personality. and his efforts made the His Excellency Mohammad Ahmad Bin Fahad to join with SWCC and Students World Cup. Dr. Syam just had a Brief about his Excellency and his career. And also, mainly focused to talk about one thing that is in addition to his environmental leadership, His Excellency Dr. Mohamed Ahmed Bin Fahad served as the President of Al Wasl Football Club, a premier and uniquely prominent football club based in the United Arab Emirates. Under his presidency, the club made global headlines when he appointed his close friend and football legend Diego Maradona as head coach in 2011. This move not only elevated the club’s international profile but also brought a new era of energy, vision, and passion to UAE football game during the 2011–2012 seasons, Al Wasl Football Club remains one of the most iconic sporting institutions in the country.
R. Santhanakrishnan, Hon. Life President of CLA and Vice President of SWCC
R. Santhanakrishnan extended heartfelt thanks to all the dignitaries, invitees, and guests whose presence made the occasion so special. He reserved special gratitude for Mr. Rajeev Kumar Cheruvara, whose vision and tireless efforts brought this launch to life. He also acknowledged Prof. Luis G. Franceschi for sharing the platform and offering valuable insights on behalf of the Commonwealth, and Mr. Saju Kadavilan for his steady and continued support.
He expressed deep appreciation for the distinguished speakers who addressed the gathering—Special Guest Dr. Abdulla Rafiu, Minister of Sports, Fitness and Recreation, Maldives; Guest of Honour His Excellency Dr. Mohammad Ahmed Bin Fahad; and Chief Guests Prof. Luis G. Franceschi and Justice Dinesh Maheshwari—each of whom enriched the event with their inspiring messages.
Finally, he highlighted the tremendous work that went on behind the scenes. With warm gratitude, he named Mr. Saju, Mr. Sajith Cheruvara, and Mr. C. Ramachandran, who worked alongside Mr. Rajeev Kumar in coordinating the event, handling the magazine, and managing all the key arrangements. Their collective efforts, he noted, played a major role in the success of the day.
Dr Ashok G Verghese, Member of NSWCF
Ashok began by stating, “I think Rajeev has brought the entire judiciary here,” and warmly greeted all the luminaries and sportspersons present. He reflected on India’s long journey and expressed that today was indeed a great day. Introducing himself and his institution, founded by his father in the 1960s, he proudly shared that despite a recent aviation calamity, three of the panel members present were graduates of his institution— highlighting the power of education in nation-building. He emphasized that India is a developing country and will soon become a developed one, and that he believes in “all men’s success, no man’s failure.” Remembering his sports days, he recalled winning first place in a throwing event and receiving a soapbox as a gift—contrasting it with today’s remarkable `15 crore prize money, showing how far the nation has come. He expressed his joy at Rajeev’s efforts in bringing together such a large gathering, stating that his own son must participate in these tournaments. He stressed that money should not be the sole driver; effort is the key. While funding from the industry is essential to strengthen sports, in the AI-driven world of today, it is still human effort on the ground that makes the real difference.
Fr Josh Kanjooparambil, Vice President of NSWCF
Fr. Josh introduced himself and his organisation, expressing his pride in addressing the gathering. He shared that SWCC is a visionary initiative shaping the global sports landscape. It is not just an event, but a platform that encourages perseverance, passion, and excellence, built on the values of human dignity, fraternity, and global unity. He highlighted the power of sports to unite, inspire, and lead, and spoke about the event’s scale—engaging 20,000 schools worldwide with a prize pool of `15 crores. He noted its positive role in guiding youth away from harmful habits and ensuring equal opportunities for all, regardless of nationality, to be recognised and celebrated. He added that true champions are built not only on the field but also through character, commitment, and courage. He concluded by congratulating all the visionaries behind SWCC.
Manoj Kumar, Director SWCG India Ltd, Vice President of NSWCF, President of SWCC
State association executive committee (Delhi)
Manoj Kumar thanked everyone for joining and emphasised the importance of compliance in a country like India. He reflected on how sports is often seen as something that comes with risks, yet we have built an educated world that sometimes overlooks the importance of play. Citing the recent creation of the “Ministry of Loneliness” in the UK, he highlighted the need to address similar social challenges. He noted that although most schools have playgrounds, students often do not use them—a reality SWCC aims to change through its first campaign, Bring Back Our Playground, encouraging schools and parents to join hands.
He further explained the second campaign, The Great Indian Playground, which will serve as the nation’s first sports talent bank, nurturing India’s sporting potential. He stressed that the focus should be on ensuring that financial support reaches sportspersons directly, enabling them to grow and succeed.
Ravi Saini Associate Editor, Unique Times & CEO, RSW (Resetting Sustainable Wealth) Group
The service class and legitimate business owners, who already pay their taxes diligently, would no longer have to compete against those who evade taxes and undercut prices. The increased transparency would help to formalize sectors that are currently dominated by cash, leading to better record-keeping, more accurate data for business planning, and a fairer competitive environment.
A NEW DAWN FOR INDIA'S ECONOMY
Embracing Transparency with a Bold Currency and Tax Reform
The idea of making the Rs 100 note the highest denomination and implementing a onetime tax amnesty might seem radical, but it presents a powerful opportunity to reshape India's economic landscape. While such a move would undoubtedly be a major undertaking, it should be welcomed not just by those who have operated in the shadows but also by the vast majority of honest taxpayers who form the backbone of the service and business communities. This article will explore why these two interconnected policies, when implemented together, can create a more equitable, efficient, and transparent economy for all. The Case for the Rs 100 Note as the Highest Denomination
The presence of high-value currency notes like the Rs 500
and Rs 2000 has long facilitated large-scale cash transactions, often outside the purview of formal financial systems. This enables the parallel economy, or "black money," which undermines the government's ability to collect taxes, accurately measure economic activity, and fund public services.
By making the Rs 100 note the highest denomination, the government would be taking a significant step towards a less-cash economy. It would not eliminate cash, but rather, make large transactions in cash incredibly cumbersome. This would naturally push high-value business dealings and professional service payments into the digital realm, such as bank transfers, mobile payments, and other electronic forms.
For the honest taxpayer, this shift is a welcome one. It creates a level playing field where competitors
cannot gain an unfair advantage by operating in the black market. The service class and legitimate business owners, who already pay their taxes diligently, would no longer have to compete against those who evade taxes and undercut prices. The increased transparency would help to formalize sectors that are currently dominated by cash, leading to better record-keeping, more accurate data for business planning, and a fairer competitive environment. It would also reduce the risk and inconvenience associated with handling large amounts of physical cash.
The Rationale Behind a One-Time Tax Amnesty
A one-time tax amnesty, or a Voluntary Disclosure Scheme, is an opportunity for individuals and businesses to declare previously untaxed income or assets without facing the usual penalties and
legal repercussions. The central argument for this policy is not to reward the dishonest, but to bring a substantial amount of hidden wealth into the formal economy.
For the honest taxpayer, the idea of a tax amnesty might initially feel like a slap in the face. Why should someone who has worked hard and paid their taxes get the same treatment as someone who has not? However, a well-designed amnesty program is not about forgiveness; it's about pragmatism.
The alternative to amnesty is often a protracted and expensive process of investigations, litigation, and asset seizures, which may only recover a fraction of the hidden money. A one-time amnesty, on the other hand, can quickly and efficiently bring this money into the formal economy. This newly declared wealth can then be taxed in the future, and the funds from the amnesty itself can be used to invest in infrastructure, education, and healthcare—projects that benefit all citizens.
Furthermore, a tax amnesty, coupled with the currency reform, sends a strong signal that the rules of the game have changed permanently. The amnesty is a one-time reset button, after
which tax evasion will become significantly more difficult and more aggressively prosecuted. The honest taxpayer can be assured that the government is committed to a future where tax compliance is the norm, not the exception. The pain of past unfairness is addressed by the promise of a more just and transparent future.
A Synergistic Effect for the Benefit of All
The true power of these two policies lies in their synergy. The currency reform makes it structurally difficult to evade taxes in the future, while the tax amnesty provides a clean slate and an incentive to transition into the formal economy.
For the service class—from salaried employees to consultants and freelancers—who are often subject to a highly organised tax deduction system, these policies mean that the government will have more resources to provide better public services. The revenue generated from the amnesty and the increased tax collection from a formalized economy can lead to improved roads, better public transport, higher quality schools, and more robust healthcare
systems.
For the business community, especially small and mediumsized enterprises (SMEs), this is an opportunity to move beyond a cash-dependent model that often stifles growth and access to credit. By operating within the formal financial system, businesses can more easily secure loans, attract investment, and expand their operations. The reduction in the parallel economy also helps in creating a fairer market where innovation and quality, rather than tax evasion, become the primary drivers of success.
In conclusion, while a move to make Rs. 100 the highest denomination and a one-time tax amnesty are bold steps, they represent a strategic and forwardthinking approach to economic reform. Far from rewarding the dishonest, they set the stage for a new era of transparency and growth that will ultimately benefit the most honest and hardworking members of society. By creating a system where it is both easier and more advantageous to be compliant, the government can build a stronger, more equitable, and more prosperous India for everyone
Adv Sherry Samuel Oommen: This article is authored by Adv Sherry Samuel Oommen. He specialises in the Constitution, tax and corporate laws and has also cleared the final exams of the Institute of Chartered Accountants of India, the Institute of Cost Accountants of India and the Institute of Company Secretaries of India. He has also completed his Masters's Degree in Commerce, apart from obtaining a Post Graduate Diploma in Business and Corporate Laws from Symbiosis, Pune. The views expressly are personal and should not be construed as a legal opinion. sherryoommen@nashcp.com.
INCOME TAX ACT AND THE NEGOTIABLE INSTRUMENTS ACT – IS THERE A NEXUS?
Introduction
The Negotiable Instruments Act, 1881 (“NI Act”), specifically Section 138, was enacted to infuse credibility into banking transactions and ensure the sanctity of cheques in commercial life. It operates on the bedrock of a "legally enforceable debt or liability." For decades, the judiciary has navigated a complex path, balancing this civil wrongturned-criminal offence with other statutory regimes, most notably the Income Tax Act, 1961 (“IT Act”).
The recent judgment of the Kerala High Court in Hari P. C. v. Shine Varghese (2025 (5) KHC 173) marks a seismic shift in this jurisprudential landscape. The said judgment declares that a debt created by a cash transaction exceeding ` 20,000, in violation of Section 269SS of the IT Act, cannot be considered a "legally enforceable debt" unless a valid explanation is offered. This decision effectively closes the doors of the criminal court to complaints arising from such "illegal transactions."
The inherent tension between the Negotiable Instruments Act, 1881, and the Income Tax Act, 1961, presents a complex legal dilemma that strikes at the heart of contract enforcement, statutory interpretation, and public policy. A general analysis of the four core
issues reveals deep philosophical and practical conflicts.
This article provides a critical analysis of this landmark judgment, deconstructing its reasoning, examining the profound issues it raises, and evaluating its potential impact on commercial litigation and tax compliance.
1. The Clash of Presumptions: Section 139 of NI Act vs. Section 269SS of IT Act
The presumption under Section 139 of the NI Act is a powerful statutory tool designed to curb dishonesty and expedite the resolution of cheque dishonour cases. It operates on the principle that a cheque is drawn not as a mere piece of paper but for the discharge of a valid liability. However, Section 269SS of the IT Act creates a different kind of presumption— one of illegality for certain cash transactions. The central question is whether these two statutory schemes operate in mutually exclusive silos or must be read harmoniously. A purely textualist interpretation might argue that the NI Act's presumption is selfcontained and should not be diluted by external statutes governing revenue collection. The debt's enforceability, from this perspective, is a question of contract and civil
law, not tax compliance. Conversely, a purposive interpretation would posit that no court should lend its authority to enforce an obligation that was created in violation of another law. This view holds that a "legally enforceable debt" must be legal in all respects, including its form. Allowing a presumption of enforceability for a transaction illegal in its execution creates a schism in the legal system, where a court effectively condones a violation of one law while enforcing another. The balance is precarious: overemphasizing the IT Act undermines the NI Act's objective of ensuring cheque credibility, while ignoring it risks making criminal courts facilitators of unlawful activity.
The Judgment's Holding: The Court reaffirmed the settled law from Rangappa v. Sri Mohan that the presumption under Section 139 of the NI Act is a comprehensive one. It includes the existence of a "legally enforceable debt or liability." This presumption is, however, rebuttable.
The New Nexus Established: The crux of the judgment lies in its interpretation of how this presumption can be rebutted. The Court held that proof of a transaction violating Section 269SS of the IT Act (which prohibits accepting loans/deposits above ` 20,000
in cash) constitutes a "probable defence" that creates doubt about the legality of the debt. The Court reasoned that a presumption of law (Section 139 of NI Act) cannot be used to legitimize a transaction that is expressly prohibited by another statute (Section 269SS of the IT Act). The Court posits that the two sections must be read harmoniously, implying that a debt illegal under the IT Act cannot be deemed "legally enforceable" under the NI Act.
Critical View: This creates a significant tension and a conundrum. The NI Act is a special statute for negotiable instruments, while the IT Act governs taxation and revenue collection. The penalty for violating Section 269SS is a civil penalty under Section 271D of the IT Act, not invalidation of the underlying transaction. By elevating this violation to a level that destroys the very foundation of a debt for NI Act purposes, the Court effectively imposes a harsher consequence— dismissal of the entire case—than what the IT Act itself prescribes. It transforms a revenue-centric compliance rule into a substantive rule of contract and debt law. This perhaps might need to be reconsidered.
It might also be pertinent to note that recently the Hon’ble Supreme Court in the case of Georgekutty
Chacko Vs MN Saji (2025) 178 Taxmann.com 178 held that the mere presence of cash will not invalidate a transaction. It would be apposite to extract suitable excerpts from the said judgment of the Hon’ble Supreme Court:
“Further, it is not uncommon that in money transactions, there is a component of cash also involved and just because a person is not able to prove the transfer through official modes i.e., through any negotiable instrument or bank transaction, would not lead to the conclusion that such amount was not paid through cash, especially when there was a categorical statement to this effect by the appellant before the Court concerned. Moreover, the initial presumption of legally enforceable debt comes from the Negotiable Instruments Act, 1881 also and thus the onus is on the respondent to prove that no such amount was given. Only because documentary proof was not available, we find such view taken to be erroneous. A person who gives cash obviously would not be having any documentary proof per se. Sometimes there may be an occasion where even for a cash transaction, a receipt is taken, but absence of the same would not negate and disprove the stand that the cash transaction also took place between the parties.”
2. Non-Reflection in IT Returns as Rebuttal of Debt
Using the non-disclosure of a transaction in income tax returns to rebut the existence of the debt itself is a conceptually fraught step. It conflates the existence of a debt with its characterization for tax purposes. A debt arises from a consensus between parties—a loan agreement, a contract of sale, etc. Its existence is a question of fact. Tax compliance, on the other hand, is a subsequent, separate obligation between the citizen and the state. A taxpayer may have a perfectly valid debt but choose not to disclose it to evade taxes. This makes the taxpayer liable for penalties under the IT Act, but it does not extinguish the debtor's obligation to repay. Using non-disclosure as a defence effectively allows the debtor to benefit from the creditor's tax evasion. This creates a perverse incentive structure: a dishonest creditor (evading tax) is penalized by losing the right to recover the debt, while a potentially dishonest debtor (who may have solicited the cash transaction) is rewarded with a windfall. It transforms a revenue law, designed to fill the state's coffers, into a tool for discharging private civil liabilities, a purpose for which it was never intended.
The Judgment's Holding: The Court placed immense weight on the complainant's admission that the loan amount was neither reflected in his books of account nor disclosed in his income tax returns. This failure, coupled with the absence of any explanation for the cash transaction, was deemed sufficient to rebut the presumption under Section 139 of the NI Act. The Court stated that ignorance of the law is no excuse.
Critical View: This conflates two distinct concepts: the existence of a debt and its tax treatment.
• Existence of Debt: A debt arises from a loan agreement. Its existence is a question of fact to be proved by evidence (e.g., a cheque, a promissory note, testimony). The presumption under Section 139 of the NI Act aids this.
• Tax Treatment: Whether that debt is accounted for and taxed is a separate obligation between the taxpayer and the revenue department.
The judgment risks creating a situation where a truthful admission of a lapse in tax compliance (not disclosing income) becomes a self-defeating act in a separate proceeding to recover the debt itself. It allows the accused to challenge the existence of the debt by pointing to the complainant's failure in a wholly different statutory obligation. This could incentivize non-disclosure to avoid such challenges, ironically encouraging the very "black money" economy the judgment seeks to curb.
Recently, the Himachal Pradesh High Court in Harish Chauhan Vs Brajesh 2024 KHC Online 5695 considered the provisions of the IT Act and its nexus with the NI Act and held as follows:
“The claim of the accused regarding financial capacity of the complainant does not stand as non-filing of income tax is a matter between the revenue and the assessee. If the assessee has not disclosed his income in the Income Tax return, then the Income tax department is well within its rights to reopen the assessment of income of the assessee and to take action as per the provisions
of Income TaxAct. This Court cannot jump to the conclusion that presumption under Section 139 of NI Act stands rebutted, merely because of non-filing of the Income Tax Return by the complainant unless, the petitioner makes out a probable defence, as to how the cheque has gone in the hands of the complainant. Thus, even though, the complainant has not filed his Income Tax Return, the same cannot be a ground to reject his claim to prosecute the accused under Section 138 of NI Act.”
3. The Judicial Capacity of a Magistrate to Determine Taxability
Tasking a Magistrate presiding over a summary trial under Section 138 of the NI Act with determining compliance with the Income Tax Act is a significant expansion of judicial scope that raises practical and doctrinal concerns. NI Act proceedings are designed to be swift and summary, focusing on the instrument's dishonour and the notice period's compliance. Introducing complex questions of income tax law—such as the applicability of exemptions under Section 273B, the reasonableness of cause for a cash transaction, or the veracity of accounting practices— fundamentally alters the nature of these trials.
Magistrates may lack the specialized expertise required to navigate the intricacies of tax law. This could lead to inconsistent rulings, prolonged litigation, and a move away from the summary nature of the proceedings. It essentially turns a criminal court into a quasi-appellate authority for income tax matters, forcing it to make preliminary findings on issues that are squarely within the jurisdiction of the Income Tax Department and the specialized Income Tax Appellate Tribunal (ITAT). These risks creating parallel and potentially conflicting jurisdictions.
The Judgment's Holding: Implicit in the ruling is that a Criminal Court exercising jurisdiction under Section 138 of the NI Act is not only entitled but obliged to examine whether
a transaction complies with the Income Tax Act to determine if the debt is legally enforceable.
Critical View: This is perhaps the most contentious aspect. Criminal courts are typically not forums for determining complex questions of income tax liability. A Magistrate's court is now tasked with acting as a quasi-authority under the IT Act, examining whether the cash transaction had a "reasonable cause" as contemplated under Section 273B. This ventures far beyond the traditional scope of a summary trial under the NI Act and could lead to procedural complexities, delays, and demands for extensive financial evidence, undermining the expeditious nature of proceedings under Section 138 of the NI Act.
4. Benefiting from One's Own Wrong: A Moral Hazard
The argument that an accused (the receiver of cash) is taking advantage of their own wrong is a powerful application of the equitable maxim “ex turpi causa non oritur action” (no cause of action arises from an illegal act). If accepting a cash loan above `20,000 is a violation of Section 269SS, the violator is the recipient. Allowing this recipient to then use their own violation as a defence to avoid repaying the loan is intuitively unjust. It creates a moral hazard, incentivizing borrowers to deliberately seek or insist on cash transactions to arm themselves with a future defence against repayment. The law should generally discourage parties from profiting from their illegality. However, a counter-argument exists: the greater wrong might be the creation of black money. The creditor, by paying a large sum in cash, is the primary actor injecting unaccounted money into the system. The law's primary disgust, from a policy perspective, might be aimed at this act rather than the passive acceptance of it. Therefore, denying judicial recourse to the instigator of the illegal act could be seen as a harsh but necessary deterrent against the generation of unaccounted wealth, even if it incidentally allows the other party to escape liability. This pits the principle of individual equity
against the broader public policy of curbing black money.
The Judgment's Holding: The complainant argued that the penalty under Section 271D of the IT Act is imposed only on the receiver of the cash (the accused). Therefore, the accused, who is the violator, should not be allowed to take advantage of his own wrong to escape liability. The Court rejected this, stating that the question is not about who pays the penalty but about the character of the debt itself. If the debt arises from an illegal transaction, it is tainted and unenforceable, regardless of which party committed the procedural violation.
Critical View: The principle that a party cannot benefit from its own wrong (ex turpi causa non oritur actio) is a sound one. Here, the accused, who accepted the cash in violation of S. 269SS of the IT Act uses that very violation as a shield. The Court's reasoning, while technically focused on the nature of the debt, perhaps creates an undesirable outcome - The party who breached the law (the receiver) is immunized from the consequences under the NI Act, while the compliant party (who should have paid by cheque) is penalized by losing the right to recover the debt altogether. This could encourage borrowers to deliberately solicit cash loans to create a future defence against repayment.
CONCLUSION
The judgment in Hari P. C. v. Shine Varghese ultimately constitutes a bold, policy-driven judicial intervention that prioritizes the overarching goal of fiscal transparency over traditional interpretations of contractual enforceability. The Kerala High Court’s ruling is ground breaking for its explicit declaration that a debt originating from a cash transaction exceeding ` 20,000, in violation of Section 269SS of the Income Tax Act, cannot be deemed a "legally enforceable debt" under the NI Act unless a valid explanation under Section 273B is provided. The court’s reasoning successfully reframes the scope of the "probable defence" available to an accused under Section 139, equating statutory illegality with the rebuttal of the presumption of a legally enforceable liability. By doing so, the court effectively closes the doors of the criminal justice system to complaints stemming from such transactions, powerfully aligning the judiciary with the executive's "Digital India" campaign. However, this victory for public policy comes at a significant cost on various counts. The judgment creates a tangible risk of moral hazard by enabling a wrongdoer (the receiver of illegal cash) to benefit from their own violation, and it substantially expands the role of the Magistrate into the complex
arena of tax compliance, potentially undermining the summary nature of NI Act proceedings. While its prospective application prevents chaos in settled cases, the judgment introduces a new and potent layer of defence in cheque dishonour cases. Therefore, this verdict stands as a powerful deterrent against unaccounted cash transactions but a potentially disruptive force in the settled jurisprudence of negotiable instruments.
A general conclusion must therefore acknowledge that while using judicial machinery to enforce obligations arising from blatantly illegal transactions is untenable, a blanket prohibition based solely on the form of payment (cash) risks creating injustice, fostering moral hazard, and overburdening courts with ancillary tax inquiries. The optimal legal principle would strive for a more nuanced balance: rigorously scrutinizing such transactions for legitimacy without automatically invalidating them, thus protecting the integrity of the financial system without wholly undermining the sanctity of contractual obligations and the summary nature of commercial litigation. This ensures that the law remains a shield against illegality without becoming a sword for dishonest debtors to evade valid liabilities
CA Sreejith Kuniyil Founder, PravasiTax Solutions Pvt Ltd
In India private trusts are governed by the Indian Trusts Act, 1882 along with the Income-tax Act, 1961.Where the Trust involves cross border assets, it is guided by Foreign Exchange Management Act, 1999 (FEMA) regulations, Reserve Bank of India guidelines, and compliance with Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS).
WHY NRIS SHOULD SET UP A PRIVATE FAMILY TRUST
For many Non-Residents Indians life unfolds across different countries with career, investments and family spread across the globe, but home is where the heart is - India. This brings about the challenge of managing your wealth over different jurisdictions and ensuring that hardearned assets reach the people you truly care about smoothly and fairly. This is where estate planning and creation of family trusts comes into play. Family Trust helps to control your legacy, protect your assets and control how your assets are allocated and utilised. You can make arrangements to take care of your ageing parents, plan for the future of your children and spouse, ensuring that all your requirements are handled according to your wishes even if you are not around. Family trust provides peace of mind by protecting your assets and taking care of your legacy seamlessly.
What is a Family / Private Trust?
A Family / Private Trust is a private legal arrangement where a
person (Settlor) transfers the legal ownership of certain assets to one or more person (Trustee), either natural or juristic, to hold and manage such assets for the benefit of certain person or persons (Beneficiary).
Unlike a Will, a Trust takes effect immediately and can be seen functioning during the Settlor’s lifetime. Another advantage compared to a Will is that it does not require probate. Probate is the legal certification of a Will by a competent Court, confirming its validity and authorizing the executor to administer the estate.
In India private trusts are governed by the Indian Trusts Act, 1882 along with the Income-tax Act, 1961. Where the Trust involves cross border assets, it is guided by Foreign Exchange Management Act, 1999 (FEMA) regulations, Reserve Bank of India guidelines, and compliance with Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS).
Parties to a Private Family Trust
• Settlor - The person who cre-
ates the Trust and transfers the legal ownership of his / her assets to the Trust.
• Trustee - The person(s) / institution holding the trust property for the benefit of the beneficiaries.
• Beneficiary - The person identified in the trust deed as beneficiary and for whose benefit the Trust is created.
• Administrator / Protector - A non-trustee supervisory figure appointed by the Settlor to oversee the function of the trustee.
Challenges faced by NRIs when Planning their Succession
NRIs face a unique set of challenges when it comes to succession and estate planning:
1. Cross border probate and Succession:
Managing assets in different jurisdictions can be time consuming. In addition to that, probate of Wills in India can also be time consuming and involves lengthy procedures. Even foreign Wills require probate in India. As a result, family members may face indefinite delays in
accessing your bank accounts and properties.
2. Family Disputes
Disagreement and disputes among legal heirs regarding inheritance, shares or management of assets damage the legacy of a person. In addition to this, the growing distance between family members creates the issue of appointing reliable executors or trustees. Title deeds may be lost, and Wills may be contested by the members of the family.
3. Tax Risks
Exposure to Indian Income Tax and estate tax in countries like UK and USA is another major challenge faced by NRIs.
4. Inability to Manage Immovable Properties
Families and children settled in jurisdictions different from the ones where immovable assets are located are unable to manage these assets properly.
5. Regulatory Compliance
FEMA restrictions on gifting or transferring assets across jurisdictions and lack of awareness as to FATCA and CRS disclosures.
6. Lack of Control in Will Wills become effective only upon the death of the testator and hence, there is a lack of control as to how the assets are distributed and utilized after the death of the testator.
7. Lack of Centralised Asset Management
The absence of centralised asset management can make it difficult for the legal heirs to recover the assets of the deceased. Deeds and documents may become untraceable, resulting in a huge loss of inheritance.
How Family Trusts can be Ideal for an NRIs Succession Planning:
1. Private Succession
Unlike Will, a Trust takes effect
without the need for probate. Will, once probated, becomes a public document accessible by anyone. Whereas trust deeds are private documents, which is an important consideration for those valuing privacy. Trusts thus ensure smooth and seamless transfer of assets to the beneficiaries as per the instruction of the settlor while maintaining privacy.
2. Protect Minors and Dependents with special needs
Trust gives you the power to control and decide how much, when, and what purpose the assets may be utilized for the benefit of beneficiaries who are kids or dependents with special needs or even ageing parents. This helps prevent mismanagement of assets while ensuring that your decisions are fulfilled.
3. Delay inheritance until the right time
In cases where the beneficiaries
are minor or financially immature, you can delay the inheritance until they reach a suitable age, or you can set milestones for them. This will ensure that what you have earned in your lifetime will be used wisely, rather than being mismanaged or depleted.
4. Minimise or avoid inheritance tax
A properly structured offshore or discretionary trust can protect the NRIs with global ties from huge inheritance tax in countries like the UK and the US and thus with proper planning they can preserve a significant portion of their wealth. Private Trusts allows structured disbursement of payments in compliance with local tax laws of the countries where your children or beneficiaries are settled.
5. Protect assets with ringfencing
Assets placed in an irrevocable trust do not personally belong to the owner or the beneficiary and thereby guarantees ring-fencing protection to family wealth from:
a. Business creditors and lawsuits
b. Matrimonial disputes against the beneficiaries for
alimony.
It safeguards the wealth for future generations. This is especially valuable for business owners, HNIs, and professionals with asset protection concerns.
6. Centralised property and asset management
Real estate in India is prone to disputes, mismanagement and illegal occupation. A private trust ensures long term control; maintenance of properties including paying taxes and paperwork and helps with easier sale or disposal of the properties in the future. Having a centralised asset management with private trust ensures that beneficiaries will be able to recover all the assets of the settlor and there will be no issue of untraceable deeds or documents. All the assets of the settlor will be accounted for and there will be no unclaimed insurance, mutual funds or any other assets which will be lost to the beneficiaries otherwise.
7. Support for charity even after your lifetime
If you are religious or philanthropic and wants a portion of your wealth to be set aside for charity even after your death, having a private trust in place will be the right
choice.
Things to Consider when Establishing a Family Trust
The trust deed should be precise and clearly express the wishes of the settlor. Appointing a trustworthy trustee is the most important aspect and also the real challenge, especially with increasing distance and fragmentation within families. It would be safer and more effective to appoint a professional trustee as they are neutral and unbiased and have expertise in legal and tax compliance.
As NRIs work meticulously throughout their life to build wealth, support their families and give their children the best future possible, real financial planning goes beyond building and accumulating assets. It is equally important to protect those assets and ensure that they are transferred smoothly, legally and peacefully to the future generation. Family trusts offer much more than transfer of assets, it ensures peace of mind, legal continuity and financial security for future generations. It is never too early to protect what you have built. Trust may be the most thoughtful legacy you leave for your family
Rajiv Ambat is a well-known speaker and the author of the best-selling book ‘The Midriff Crisis’. As a lifestyle expert, Rajiv leads the team at SOLVEMyHealth, which includes experienced dieticians, exercise specialists, and medical doctors. Together, they help clients manage a wide range of health concerns through structured, scientific, and personalised lifestyle interventions. The team specialises in treating and managing lifestyle-related conditions such as obesity, diabetes, high cholesterol, fatty liver, and PCOS through customised diet and exercise plans tailored to each individual’s needs.
ASCVD RISKS: STEPS TO A STRONGER HEART
World Heart Day is around the corner, and it is a good reminder for all of us to think about our heart health. Heart disease and stroke continue to be leading causes of death worldwide, including in India. To better understand these risks, doctors now often use the concept of ASCVD—Atherosclerotic Cardiovascular Disease. This term refers to conditions that happen when arteries get damaged and narrowed because of plaque buildup. ASCVD includes heart attacks, strokes, and even blockages in the arteries of the legs. In simple terms, it is about how healthy or unhealthy our blood vessels are, and how that affects both the heart and the brain. Heart health and stroke are closely connected because they share the same root causes. High blood pressure, high cholesterol, diabetes, smoking, being overweight, unhealthy diet, lack of exercise, stress, and poor sleep all increase the chances of both heart attack and stroke. When the arteries that carry blood to the heart get blocked, it can cause a heart attack. When the arteries supplying blood to the brain get blocked or rupture, it leads to a stroke. In both situations, lifestyle plays a big role in either reducing or
worsening the risk.
ASCVD Risk Calculator
ASCVD risk is a way of estimating how likely a person is to develop a heart attack or stroke within the next 10 years. Doctors may use this risk score to identify who needs lifestyle changes alone and who may also need medications for better protection. The calculation is based on a few key numbers and habits, all related to your heart healthyour age, sex, cholesterol levels, blood pressure, whether you have diabetes, and whether you smoke. For advanced and more precise calculations, family history, weight, and kidney health are also included.
The purpose of measuring ASCVD risk is not to label someone as “sick,” but to give a clearer picture of where they stand. For example, a young non-smoker with normal blood pressure may have a very low risk, while a middle-aged person with diabetes, high cholesterol, and smoking habits may have a high risk. Both heart attack and stroke are covered under ASCVD because they come from the same root problem -plaque buildup in the arteries.
Risk factors for heart health are usually divided into two groups— modifiable and non-modifiable. Modifiable risk factors are those we
can change, such as blood pressure, cholesterol, smoking, or lifestyle habits. Non-modifiable risk factors are those we cannot change, like age, gender, and family history. While we can’t control everything, we can take action on the areas that matter most and have the biggest impact on reducing ASCVD risk.
Calculate your ACVD risk @ https://tools.acc.org/ascvd-riskestimator-plus/
Modifiable Risk Factors
High Blood Pressure (Hypertension): When blood pressure stays high over time, it puts extra force on the artery walls. This weakens the arteries, makes them less flexible, and speeds up the process of plaque buildup. It also forces the heart to work harder, increasing the chance of heart failure.
Uncontrolled hypertension is one of the biggest risk factors for both heart attack and stroke. In the brain, high pressure can damage small vessels, making them more likely to burst, leading to hemorrhagic stroke. In many cases, people do not know they have high blood pressure until complications develop. Regular monitoring and lifestyle changes like reducing salt, sodium rich food (processed food), includ-
ing potassium rich leafy vegetables, quitting smoking, losing excess body fat, exercising, and managing stress are critical in keeping blood pressure under control.
Cholesterol (LDL vs HDL):
Cholesterol itself is not bad - it is needed for hormones and cell function. The problem comes when there is too much “bad” cholesterol (LDL) in the blood. LDL cholesterol sticks to the artery walls and forms plaques. Over time, these plaques narrow the arteries and reduce blood flow, which can cause chest pain or, if a clot forms, a heart attack or stroke.
On the other hand, “good” cholesterol (HDL) helps remove LDL from the bloodstream. A healthy balance between LDL and HDL is what protects the arteries. Lifestyle choices like avoiding trans fats, eating more fibre, exercising regularly, and maintaining a healthy weight are effective ways to improve cholesterol levels without always needing medication.
Diabetes & High Blood Sugar: High blood sugar damages the inner lining of blood vessels and accelerates the buildup of fatty plaques. People with diabetes often also have high blood pressure and abnormal cholesterol, creating a
dangerous combination for the heart and brain. This makes diabetes a very strong risk factor for ASCVD. Poorly controlled diabetes increases the risk of both heart attacks and strokes at an earlier age compared to people without diabetes. The good news is that keeping blood sugar in check through diet, exercise, weight management, and medication when needed can significantly reduce cardiovascular complications. Exercises, especially weight training, are pivotal in managing diabetes for the long term and improve insulin sensitivity. The improved muscle quantity (muscle hypertrophy) allows the body to store more glucose inside the muscles (as glycogen), thereby improving the body's glucose utilisation.
Smoking & Alcohol: Smoking damages the lining of arteries and makes blood more likely to clot. Even a few cigarettes a day can double the risk of heart attack. Chemicals in tobacco reduce oxygen supply and trigger inflammation in blood vessels, speeding up atherosclerosis. Secondhand smoke also has harmful effects which makes even non-smokers exposed to smokers at risk. Alcohol raises blood pressure, damages the liver, and contributes to weight gain.
Binge drinking especially increases the chance of stroke. Cutting down or quitting both smoking and heavy drinking is one of the fastest ways to lower ASCVD risk.
Obesity & Sedentary Lifestyle: Excess body weight, especially around the waist, is closely linked to higher blood pressure, higher blood sugar, and abnormal cholesterol all of which increase ASCVD risk. Fat around the abdomen is metabolically active and releases chemicals that cause inflammation in the body that can contribute to plaque buildup in the arteries.
A sedentary lifestyle makes the problem worse. Sitting for long hours with little physical activity slows metabolism, leads to weight gain, and reduces insulin sensitivity. On the other hand, regular exercise helps control weight, lowers blood pressure, improves cholesterol, and strengthens the heart. Even 30 minutes of brisk walking most days of the week can make a big difference.
Stress & Poor Sleep: Chronic stress triggers the release of hormones like cortisol and adrenaline. These hormones increase blood pressure and raise blood sugar. Long-term exposure
to these hormones also leads to inflammation, endothelial dysfunction (damage to the lining of blood vessels), and greater plaque buildup in arteries. Stress often may also lead an individual to unhealthy coping habits such as overeating or smoking. Over time, this creates a perfect ground for ASCVD. Stress also promotes inflammation, which plays a central role in artery damage.
Poor sleep, especially less than 6 hours a night, is now recognized as a risk factor for heart disease and stroke. Sleep apnea, where breathing stops repeatedly during sleep, is particularly harmful as it raises blood pressure and strains the heart. Building healthy routines for stress management and sleep such as mindfulness, deep breathing, or regular sleep schedules, and cognitive behavioral strategies are helpful in reducing cardiovascular risk.
Non-Modifiable Risk Factors
Some risk factors for ASCVD cannot be changed, but they are important to understand because they help identify people who need closer attention. Age is one of the strongest factors. As people get older, arteries naturally become stiffer and more prone to plaque buildup, which increases the risk of heart disease and stroke. Gender also plays a role - men tend to develop heart disease earlier than women, but after menopause, women’s risk rises
sharply due to changes in protective hormones like estrogen.
Family history and genetics also matter. If a parent or sibling developed heart disease or stroke at an early age, the individual’s risk is higher. Certain genetic conditions, like familial hypercholesterolemia, can cause very high LDL cholesterol from a young age, leading to early heart problems. These factors cannot be altered, but they highlight the need for stronger lifestyle measures and regular health checks to offset the risks that come with age and heredity.
Lifestyle Interventions –
The Heart’s Best Medicine
Heart Healthy Diet
A balanced diet is one of the most powerful tools for preventing ASCVD. The American Heart Association (AHA) recommends limiting sodium intake to 1,500 mg per day for most adults, and not more than 2,300 mg per day. To put this in perspective, 2,300 mg of sodium is roughly equal to one teaspoon of table salt. High sodium intake raises blood pressure, which directly increases the risk of heart disease and stroke. It’s worth noting that most excess sodium does not come from the salt we add at home, but from packaged and processed foods.
In addition to controlling sodium, the focus should be on choosing the right type of fats and carbohydrates. Healthy fats such as those from nuts,
seeds, olive oil, and fatty fish help improve cholesterol balance, while trans fats commonly found in fried foods, margarine, bakery items, and packaged snacks should be avoided completely as they raise LDL and lower HDL. Reheated oil should be completely avoided; most of the deep fried food that we buy from outside and at the bakery may be made with oil that has been continuously reheated. Include complex carbohydrates like whole grains, legumes, fruits, and vegetables, which provide fiber and steady energy. Limiting refined carbs and added sugars is equally important to prevent weight gain, diabetes, and metabolic issues that raise ASCVD risk.
Heart Healthy Exercise
Physical activity has direct benefits for the cardiovascular system. For a beginner, the AHA recommends 150 minutes of low to moderate-intensity exercise (such as brisk walking or low to moderate intensity cycling) per week. This translates into 30 mins of exercise daily, for five days in a week. For someone who has been already active and exercising regularly, the recommendation is 300 mins of moderate to high intensity exercises in a week -
i.e. one hour daily, for 5 days in a week. Exercise helps lower blood pressure, improve cholesterol, and enhance insulin sensitivity, all of which reduce ASCVD risk. Exercise
can also reduce stress and elevate the mood and make a person happy. Even small increases in daily movement, like taking stairs instead of elevators, can make a measurable difference.
Strength training is also essential, but often overlooked. The AHA advises at least two sessions of muscle-strengthening exercises per week. Resistance training helps preserve lean muscle mass, improves metabolism, and supports healthy weight management. It also strengthens bones and joints, which is especially important as people age. A mix of aerobic exercise and strength training provides the best protection for long-term heart and overall health. In case a person is already suffering from breathlessness, or is above 50 years, it is recommended to do all the basic cardiac profiling tests and medical consultations to rule out risk factors before engaging in any high intensity exercises. Apart from a healthy diet, and
physical activity, the third important factor - sleep & stress management also forms a very important aspect of lifestyle intervention, to improve heart health.
A Stitch in Time Saves Nine! Regular health check-ups play a major role in preventing ASCVD by identifying problems early, before they cause symptoms. A common mistake people make is waiting until they feel unwell to get tested. The reality is that conditions like high blood pressure, high cholesterol, or diabetes often remain silent for years while silently damaging blood vessels. As the saying goes, a stitch in time saves nine, catching risk factors early allows for simple lifestyle changes or timely treatment, preventing serious events like heart attacks or strokes later.
For healthy adults, blood pressure should be checked at least once every year. Cholesterol levels should be tested every 4–6 years starting from age 25, but more
often (every 1–2 years) if there is family history, diabetes, or other risk factors. Blood sugar screening should begin by age 35, or earlier if a person is overweight or has a family history of diabetes, and should be repeated every 3 years if normal. A baseline ECG may be considered after age 40, especially in men, or sooner if symptoms such as chest pain occur. For those with high risk, additional tests like HbA1c, kidney function, liver function, and in some cases, advanced tests such as coronary calcium scoring, may be advised by doctors.
A routine TMT, Echo and ECG once in every 5 - 7 years, after 50 years of age may be helpful in catching any aberrations early. Preventive checks should not be seen as a burden but as an investment in long-term health. Just like routine servicing keeps our car running smoothly, regular screening ensures not just our heart, even our families are protected
Anup V Menon Sports Analyst and Knowledge Partner
The first ever Anderson-Tendulkar series will go into the history books as one of the best ever series and can easily be showcased as a perfect advertisement for the longer format of the game. With the series levelled at 2-2 at the end of the series, it can be said that it was a fair outcome to the series with neither of the teams willing to budge at any point in time.
WHEN RESILIENCE SCRIPTED HISTORY ON THE PITCH
Acouple of months ago, when Team India landed in England for a historic five-match test series, no one gave them a chance to come anywhere close to winning a test on English soil. The cricket pundits, including those from India, had predicted an England win by a considerable margin. In fact, I wasn't too optimistic as well and had shared my reservations in one of my earlier columns on how we might fare as a team considering the fact that we are a young inexperienced team going through a major transition. With the likes of Rohit, Kohli and Ashwin not around anymore, it was going to be an uphill task to topple England in their backyard. But then, what transpired on the field starting from Leeds to Birmingham to Lords to Old Trafford and lastly at Oval was nothing short
of a brilliant cinematic masterpiece. It consisted of a storyline that had a compelling narrative with a well charted out screenplay and a strong cast to boot aided by some authentic performances with the captain of the ship leading the way. The replacement acts who came in place of their glorified predecessors, owned the script, played their role to perfection and wrote their own story. What impressed me the most was the resilience and the neversay-die attitude on display by both sides for the entirety of the five test matches, thereby making each one of them an event in itself. The first ever Anderson-Tendulkar series will go into the history books as one of the best ever series and can easily be showcased as a perfect advertisement for the longer format of the game. With the series levelled at 2-2 at the end of the series, it can
be said that it was a fair outcome to the series with neither of the teams willing to budge at any point in time.
It was a treat to the eye to see the players from both sides going toe to toe against each other, giving it their all day in and day out for the entire duration of two months. Gill and Stokes, with their visionary leadership and on field performances aided by their give it all attitude were outstanding. Add to that the prolific batsmanship of Joe Root, versatility and solidity of KL Rahul, Aggressive intent of Harry Brook, unorthodox mastery of Rishabh Pant, solidity of Ravindra Jadeja, Street smartness of Washington Sundar, tenacity and guile of Mohammed Siraj, exquisite batsmanship of Yashasvi Jaiswal along with the belligerent antics of Ben ducket and Zak Crawley at the top made the series worthy enough to be called as a wholesome
package to watch and one that will certainly be cherished for many years. It wasn't a case of one or two players performing to their best. It was a collective effort with one or another player putting their hand up when needed. It was all different players at different times that came to the fore. The sight of Rishabh and Woakes coming out to bat at different stages of the series, despite being badly injured speaks volumes about what it meant to these players to represent their country.
The series had everything. Bruises, pain, agony, bravery, mastery, tenacity, elation and every other emotion that you would associate with a gruelling game of cricket. There were times where players had a go at each other trying to outsmart the other, but all in good spirit. I have often equated a test match to a boxing bout, where you take blows one after
another, land a few punches back at the opponent and then wait for the right moment to land the final punch to win the bout. This series was no different in that sense. To have each and every test match go down to the wire speaks highly of the competitiveness of the series.
Team India will be the happier dressing room at the end of the series as they ended up as a worthy opposition to England on their home soil. Two things stood out for me from an Indian team's perspective in this series. First one was the rock-solid, rear-guard action at Old Trafford to keep the series alive. The second one was at the Oval when we came back from almost a point of no return to clinch the match from right under their noses to level the series.
The advent of T20 cricket has certainly changed the way test cricket is being played these days. Having said that, I can vouch for a
fact that not even a pulsating T20 match will never ever match the sheer joy and ecstasy of a keenly fought test match played over five days, where neither of the teams are ready to give an inch. It was an absolute honour and privilege to have watched this series. These are the moments that we live for. All these talks of having the test matches curtailed to four days should be put to rest herewith. Test cricket is the ultimate test and measure of endurance and nothing should ever come in the way of denying the pleasure it has to offer to a fan of this format of the game.
Sports always gives you that extra zeal and vigour to do well in life. This series was certainly one at that. Cheers to many more of these. Long live Test Cricket.
Until next time. Adios Amigos!!!
M R Rajeshkumar Lead - Partner, GatewaysGlobal Family Business Advisory. www.gatewaysglobal.com
Lack of governance and transparency is one of the most common issues in family business. In the absence of clear systems, personal disagreements have a way of seeping into boardroom decisions, blurring the line between what is best for the business and what is best for an individual. The blurring also extends to wealth. The thin line between family wealth and business wealth often becomes contested ground, giving rise
SUSTAINING FAMILY BUSINESSES
Family businesses are shaped by two intertwined perspectives. On one hand, they focus on products, markets, strategies, and revenue. On the other hand, they carry the weight of relationships, traditions, and unspoken expectations. Their true measure of success lies not only in the growth of the balance sheet but in the legacy they preserve and pass on across generations.
A family business is any business where ownership and decisionmaking are influenced by members of the same family. They may begin modestly with a store, a workshop, or a fish stall and evolve into a retail chain, a multinational manufacturing company, or a seafood exporter with market dominance.
What begins as a livelihood transforms into a legacy, carried forward through generations. In India, family business forms the bedrock of the economy. Several studies indicate that family-owned businesses account for a major part of our great nation’s GDP, underlining their scale and impact.
While it is true that family businesses are engines of growth, they are also vulnerable to unique challenges. Where legacy and emotions
intersect with money and management, conflict is often close by. The success of a family business depends less on markets and capital and more on how effectively the family manages its own complexities.
Lack of governance and transparency is one of the most common issues in family business. In the absence of clear systems, personal disagreements have a way of seeping into boardroom decisions, blurring the line between what is best for the business and what is best for an individual. The blurring also extends to wealth. The thin line between family wealth and business wealth often becomes contested ground, giving rise to bitter disputes.
Another delicate issue is succession. When the question of “who will take over after the founder” is left unanswered or handled poorly, rivalries and resentment begin to surface.
Equally complex is the balance between professionalisation and control. While bringing in external managers can strengthen governance and sharpen strategy, families often hesitate to relinquish their influence, creating a push-and-pull between tradition and modern management.
Generational differences add another layer of tension. Older members may cling to stability and preservation, while younger ones press for innovation and change, creating friction that is both ideological and personal.
Above all, emotions run deep in every decision. Unlike in other businesses, a family cannot easily separate the father from the Chairman, or the daughter or son from the Director. Personal histories and unresolved dynamics inevitably spill into the boardroom deliberation, making choices as much about relationships as about strategy.
These challenges are not theoretical. They have played out dramatically in the stories of two iconic Indian companies – VIP Industries and Raymond.
The Gap in VIP’s Legacy –Succession
Planning
In 1980, Dilip Piramal took over the reins of VIP Industries - one of Asia’s luggage giants. However, its deepest challenge didn’t come from competitors. It came from within. Like many family businesses, VIP never built a strong succession plan. The next generation had little interest in carrying the legacy forward, and without a clear plan, the baton
eventually had nowhere to go. Piramal’s recent plans of exit from the company weren’t just about market struggles. It was also about the leadership void that formed when no successor was prepared or interested in taking charge.
VIP’s story is a reminder that building an empire is only half the journey. Ensuring it survives beyond the founder requires foresight, difficult conversations, and most importantly, succession planning. The Raymond Dispute –The Cost of Poor Governance
If VIP shows the friction of succession, Raymond shows the fallout of poor governance and lack of transparency. Founded in 1925, it thrived under Vijaypat Singhania, who later handed control to his son, Gautam. What should have been a smooth transition became one of India’s most public family feuds.
In the absence of clear governance structures and transparent systems, disputes over authority and wealth quickly spilled into headlines. Vijaypat Singhania, who later handed control to his son, Gautam. What should have been a smooth transition became one of India’s most public family feuds.
In the absence of clear governance structures and transparent systems, disputes over authority and wealth quickly spilled into headlines. Vijaypat accused Gautam of sidelin-
ing him. Investors panicked not because of weak business fundamentals, but because personal disputes rarely stay personal. They ripple across shareholders, employees, and society.
The 5 C’s - The Pillars that Safeguard Family Businesses
To prevent ambiguity, enable perpetuity, and resolve these conflicts that erupt in family businesses, every family business should align itself with the Five Cs:
• Culture – the shared values and traditions that bind the family and guide the business. The family should define its values and philosophy and ensure every family member religiously adheres to it all the time.
• Consensus – the ability of family members to agree on business vision, process, and key decisions. “My way or the Highway” attitude will not work. Each family member’s voice matters.
• Commitment – dedication to collective decisions, with every family member walking the walk and honouring what has been agreed upon.
• Capability – building skills, leadership, and systems required to grow and adapt. The next generation should be given opportunities to learn, practice, and align their capabilities with the business’s growth and culture before taking on
responsibility.
• Continuity – ensuring smooth succession and sustainability across generations and creating an environment of perpetuity. Perpetuity is built through an environment of trust and small, meaningful actions that shape legacy.
When the 5C’s are aligned, family businesses thrive for generations. Every family member has the responsibility to understand and adhere to the proves set to implement the 5C’s in their family.
The stories of Raymond and VIP illustrate a truth: family businesses cannot always solve their challenges internally. The very bonds that make them strong also make honest conversations difficult. That is where advisors like GatewaysGlobal LPP play a crucial role.
Family businesses are powerful because they combine vision with values and resilience with relationships. But these very qualities also create fragility when emotions override structure. Success is not guaranteed by growth in the bottom line alone. It must be safeguarded by governance and professionalism.
With the guidance of skilled advisors, families can navigate these complexities, turning conflicts into clarity and succession into opportunity. The challenge of managing a family business is great, but so too is the reward of seeing a legacy endure
Dolly Nina
Dolly Nina is the founder of THE IGNIST, a training company born out of a noble cause and spirit. She has a decade-long experience being a passionate mentor and entrepreneur.
Human beings are wired for connection, belonging,and validation. Entrepreneurs,however, often find themselves in situations where validation is scarce or entirely absent. While this lack of validation can be painful, it also offers an opportunity for growth.
Redefining Loneliness as Sacred Space
The path of entrepreneurship is, by nature, nonconventional. It demands stepping away from the comfort of security and stability to create something that may or may not succeed. This non-conformity often invites scepticism. Friends, family, and society at large tend to view entrepreneurs through the lens of risk, uncertainty, and impracticality.
Steve Jobs, one of the most iconic entrepreneurs of our time, experienced severe isolation and abandonment in his journey. After being ousted from Apple in 1985, Jobs faced public humiliation and a collapse of his reputation. Yet, in his exile, he founded NeXT and acquired Pixar, laying the foundation for his eventual return and Apple’s rebirth. His story illustrates that isolation is often not an endpoint but a crucible that forges deeper resilience and vision. Human beings are wired for connection, belonging, and validation. Entrepreneurs, however, often find themselves in situations where validation is scarce
or entirely absent. While this lack of validation can be painful, it also offers an opportunity for growth. Dependency on external approval can derail entrepreneurs from their authentic vision. Elon Musk faced mockery when he pursued electric cars with Tesla and reusable rockets with SpaceX. Today, those very ideas have transformed industries.
Sara Blakely, founder of Spanx, was rejected countless times by investors but pressed forward with her vision. Today she is one of the most successful female entrepreneurs in the world. The lesson is clear: external validation is fleeting, but self-belief fuels enduring success. Isolation often emerges in the following forms:
Social Scepticism- Many entrepreneurs are doubted, especially in the early phases, when their ideas lack proof or traction.
Loss of Support System- Financial or emotional strain can weaken personal relationships.
Self-imposed Distance- Entrepreneurs often withdraw into their work, isolating themselves uninten-
tionally.
Competition Culture- Society glorifies success but has little tolerance for the failures that pave the path to it.
Entrepreneurs disrupt norms, and disruption is inherently uncomfortable. Society thrives on predictability, but entrepreneurs introduce change, risk, and instability. As a result, they are often misunderstood or even resisted until their vision succeeds. For example, when Airbnb was founded, many dismissed it as an impractical idea—strangers sleeping in each other’s homes seemed absurd. Yet today, it is one of the most disruptive companies in the hospitality industry. This resistance is not personal but systemic: society resists what it cannot yet understand. The isolation entrepreneurs face takes a real toll on mental health. Silent breakdowns, burnout, and even depression are common. A study by Michael A. Freeman found that entrepreneurs are 50% more likely to report having a mental health condition, with depression and
anxiety being the most common. The silent burden of being 'the one who must always appear strong' leaves entrepreneurs little room to be vulnerable. Practical tools include mindfulness practices, journaling, regular check-ins with trusted mentors, and creating a personal philosophy that anchors them during turbulent times.
In corporate training, setbacks are often called “feedback loops.” Entrepreneurs can adopt the same mindset—every rejection is not evidence of failure, but information about the market or approach. James Dyson famously tested over 5,000 prototypes before his vacuum cleaner succeeded. He didn’t call those “failures”—he called them “discoveries.”. Before publishing Harry Potter, J.K. Rowling faced rejection from 12 publishers. As a single mother struggling financially, she experienced both isolation and dismissal. Yet, her commitment to her vision ultimately changed not only her life but the landscape of literature. Her story highlights that faith in one’s vision must remain unshaken, even when external approval is absent.
A major source of loneliness comes from the competitive mindset instilled by society. Entrepreneurs often feel they must battle against others to rise. Yet in reality, collaboration is a far more powerful tool. By co-creating, sharing
resources, and building alliances, entrepreneurs not only reduce their isolation but accelerate growth. Example: The startup ecosystems of Silicon Valley and Bangalore thrive on networks of shared knowledge, mentorship, and collaboration. Loneliness stings because it feels like rejection. But reframed, it is simply “unshared space.” In that space, entrepreneurs can hear their deepest intuition without the noise of others’ opinions. Most entrepreneurs exhaust themselves trying to prove their worth to others. Solitude is the invitation to drop performance. You don’t need to “show” anyone your progress. Being fully present in your own process is enough.
Even the busiest entrepreneurs need grounding. Simple rituals— morning walks, 10-minute meditation, lighting a candle before starting work—signal to the nervous system that stability exists beyond business volatility. Instead of a vision board of future goals, create a resilience board. Pin pictures, quotes, or reminders of past times when you survived storms. When society corners you, looking at evidence of your past strength reinforces belief. The harshest truth: society validates success only after it is visible. By practicing internal milestones (celebrating your own small wins: one customer, one product launch,
one kind email), you reduce the addictive need for applause from outside. When the world ignores you, respect yourself more fiercely. Dress well even if no one sees you. Cook a good meal even if you eat alone. Speak kindly to yourself even when there is no applause. These small acts build inner dignity. Silence gives space for strategy. When competitors are busy chasing validation, solitude allows you to refine, polish, and build foundations. Many successful entrepreneurs later credit their “lonely years” as the most fertile for innovation.
The entrepreneur’s journey is not for the faint-hearted. It is filled with isolation, skepticism, and moments of self-doubt. Yet these very struggles can transform into strengths when embraced with self-awareness and resilience. Those who walk through it with selfawareness emerge unshakable, not because the world finally validated them, but because they no longer needed it. By learning to detach from external validation, reframe loneliness as solitude, and shift from competition to collaboration, entrepreneurs can navigate their path with grace. The silence of isolation, rather than breaking them, becomes the crucible in which they discover their deepest strength—and ultimately, the clarity to build their vision for the world
SARTORIAL AND GROOMING TIPS TO MAKE AN IMPRESSION DURING BUSINESS MEETINGS
Most of us would have heard the idiom ‘clothes make the man’ right from school days. It may sound in an era when everything, including attire, seems to be going the casual way. But this ancient Greek saying still holds water even in this age, especially in the corporate or business context. Often, corporate honchos, business leaders, and even executives face a sartorial dilemma when it comes to dressing for a formal meeting or presentation. Here are some essential tips to navigate through doubts when it comes to choosing the right attire and accessories for business meetings.
First and foremost, remember that the first impression really matters as it can chart the course of a professional relationship. Experts say that quick judgments are made at first sight, with the benchmarks being physical appearance and clothing. This explains very well the need to dress smartly for a businessrelated event. It will demonstrate that you understand the relevance of the occasion and respect the in-
dividuals you are about to meet. The level of acceptance and respect you get will go up by several notches if you dress appropriately and appear well groomed.
Some companies have a strict dress code, enforcing formal attire on all occasions, while some organisations do not have laid down rules regarding attire. In any case, the thumb rule is to go for formal dresses as they are always acceptable in any business context. Men should go for a good suit and tie with lace-up formal leather shoes. However, make sure that you wear full length socks. Attention to detail matters. So one should ensure that the suit, shirt, and trousers are well-pressed without any stains or loose thread. The footwear has to be polished, and it shouldn’t appear worn out. Women business professionals should opt for a pantsuit or skirt and suit along with closed-toe shoes. Please bear in mind that the clothing is made of breathable fabric that will make the wearer feel comfortable throughout the meeting or event. Also, make sure that the outfit does not sport extravagant designs or bold colours.
Go for classy patterns and softer shades that make you appear simple yet dignified.
Being well-dressed for any business occasion does not mean one has to be flashy. Therefore, it is essential to choose the accessories and jewellery with diligence. Men should opt for cufflinks that are not glitzy or a bling statement. But a branded belt and shoes are fine. Ensure that a decent analog watch is used along with the suit. This rule applies to both sexes. Women executives should go for minimal jewellery. A pair of studs and a light chain with a pendant would be ideal. Choosing the right accessories will definitely add to your personality and complement the outfit.
Having said that, you should not get the impression that dressing well and choosing the right accessories will do the trick. Personal grooming is also equally important for any occasion. Keeping yourself prim, proper, and well-groomed not only takes your self-confidence several notches higher, but it also sends the signal that you have an eye for detail, neatness, and presentability.
Keeping yourself prim, proper, and well-groomed not only takes your self-confidence several notches higher, but it also sends the signal that you have an eye for detail, neatness, and presentability. It will create a positive impression on clients, colleagues and business leaders and automatically help you establish good rapport and credibility the moment you make an appearance.
RL Morris
It will create a positive impression on clients, colleagues and business leaders and automatically help you establish good rapport and credibility the moment you make an appearance.
Men who sport facial hair must make sure it is trimmed and neat. This includes trimming the beard as well as the moustache. Others should have a good shave and ensure there is no stubble on the chin,
cheeks, and neck. Have a proper haircut cut or if you are someone with long hair, keep it in place with some appropriate accessory. Men should also keep their nails short and filed. On the other hand, women have to ensure that they do not attend formal events with chipped nail polish. Makeup should not be loud and overwhelming. Women with long hair should tie them neatly into a bun or keep them in place
neatly with clips.
Brush well and rinse your mouth with a mouthwash before taking a shower. After wiping yourself dry, apply a deodorant with a soothing fragrance before slipping into your formal attire. Once you are ready, use a perfume that is not too bold or overpowering.
Use these tips to make a dashing appearance at any formal event and be the cynosure of all eyes
BEAUTY IN YOUR PLATE: NUTRIGENOMICS AND SKIN HEALTH
We’ve all heard the saying “You are what you eat.” But what if science could actually prove how the food on your plate influences the way your skin looks and feels? That’s where nutrigenomics steps in – a fascinating field of research that studies how our diet interacts with our genes to impact overall health, including skin health and beauty. Food as Skincare from Within
While creams and serums work on the surface, your body builds skin, hair, and nails from nutrients that come directly from your diet. Every bite you take sends signals to your cells, influencing how your genes behave. For example:
• Antioxidants in berries, pomegranate, and green tea help fight oxidative stress, slowing down premature aging.
• Omega-3 fatty acids from fish, walnuts, and flaxseeds reduce inflammation, helping with conditions like acne and dryness.
• Collagen-boosting foods like citrus fruits, tomatoes, and bell peppers support skin elasticity and reduce fine lines.
The Gut–Skin Connection
Your gut microbiome plays a surprisingly big role in your skin’s glow. A diet rich in fibre, fermented foods like yogurt, and probiotics supports healthy gut bacteria. When your gut is balanced, inflammation decreases, and skin concerns such as breakouts, dullness, or eczema tend to improve.
Sugar, Stress & Skin
Refined sugar and processed foods can spike insulin, leading to breakouts and faster aging of skin proteins like collagen. On the flip side, a balanced plate filled with whole foods, lean proteins, and
colourful vegetables can literally turn the clock back on your skin health.
Personalised Beauty Nutrition
Here’s where nutrigenomics gets truly exciting: no two people have the same genetic blueprint. Some people may need more Vitamin C to support collagen, while others might metabolise fats differently, needing more omega-3s for balance. Though genetic testing is still an evolving field, it hints at a future where skincare routines start in the kitchen and are tailor-made for each individual.
Beauty-Friendly Food Swaps
Small changes in daily meals can make a big difference:
•Swap soda for infused water with lemon and mint.
•Replace chips with a handful of almonds or pumpkin seeds.
•Trade refined white bread for
Dr. Elizabath Chacko, MD-Kalpana International
whole grains like quinoa or brown rice.
The Takeaway
The most expensive serum won’t work if your body lacks the raw materials it needs to repair and protect your skin. True beauty radiates from within – quite literally from your plate. By embracing a nutrient-rich, balanced diet, you’re not just eating for your body, but also for glowing, healthy skin.
“Feed your genes, fuel your glow.”
Aruna Rathod
Feature Writer | Travel, Food & Lifestyle
Ahilya Fort is situated on the edge of a cliff. The thick strong walls have five gates, out of which only two are open now - Kamani Darwaza and Ahilya Dwar (earlier Gadi Darwaza). From the fort, you can go all the way to the Narmada River and all along the way one can see temples, each one an architectural marvel with intricate carvings.
INTO THE HEART OF INDIA
With its fair share of historic forts, centuries-old temples and Nature’s wonders, Madhya Pradesh, has enough and more to woo travellers
Right in the heart of the country is Madhya Pradesh, which is blessed with several delights that enthral visitors. From historic monuments and archaic temples soaked in spirituality and architectural wonders to the unbridled bounties of nature, this state has more than what you ask for. While the capital, Bhopal, has its fair share of beauty, you can also start with Indore if you don’t have much time on hand. The famous towns of Maheshwar and Mandu are easily accessible from Indore. We began with Maheshwar which is 91 kms away from Indore. Hiring a taxi is easy and most of the route is through the countryside and it takes about two-and-a-half hours to reach.
Home to a hill fort, a majestic portal marks the entrance to the kingdom of Maheshwar. After a refreshing coffee break at the Laboo’s Café, we decided to stroll around the temples. This small town is known for its traditional handloom weaving – Maheshwari sarees and fabrics.
Ahilya Fort is situated on the edge of a cliff. The thick strong walls have five gates, out of which only two are open now - Kamani Darwaza and Ahilya Dwar (earlier Gadi Darwaza). From the fort, you can go all the way to the Narmada River and all along the way one can see temples, each one an architectural marvel with intricate carvings. Some of the most notable shrines include the Ahilyeshwar Temple, Kashi Vishwanath Temple, and Raj Rajeshwar Temple.
A part of the fort now houses a luxury hotel managed by the family members of Queen Ahilya Bai of the Holkar dynasty.
The Queen’s vision for Maheshwar
Queen Ahilyabai Holkar made Maheshwar the capital of the Holkar State. During her tenure, she was very dedicated to social welfare and renovated a lot of temples, shelters and dharamshalas (hospices). What makes Maheshwar famous is
the textile weaving industry that was established by the Queen. The Holkars even today have an NGO called the Rehwa Society that is committed to reviving the art and providing employment to many women.
We started with the Maharani Ahilya Bai museum, which has signboards with details on the dynasty. We were impressed to know that the royal house dates back to centuries. Emperor Akbar built the fort after he came into power in the year 1601.
In the late 18th century, Maharani Ahilya Bai took over as the queen of Holkar Dynasty, transforming this riverside town into a peaceful and prosperous place.
Walking under the shade of huge trees we passed numerous Shiva temples, and in between the towering steeples, we caught a glimpse of the blue Narmada flowing, creating a picture perfect landscape. We continued sauntering through the palaces and temples admiring the
intricately carved structures. After descending a flight of stone steps, we reached the banks of the Narmada. The river, flanked by the brown temples and trees, had a pristine feel about it.
What’s a river without a boat ride? We decided to take a boat ride to view the beauty of Maheshwar from the waters of the Narmada. It was a lovely experience; the view of the massive sand-coloured temples from the water was picturesque. After the 45-minute cruise, the walk back to the café took us through the weavers’ centres and we decide to indulge in some shopping. This town has little settlement that is self-sufficient with families of weavers residing in it. Maheshwari is a beautiful, fine colourful fabric. The simplicity of the weavers is endearing and they don’t mind unfurling numerous fabrics and sarees to help you choose!
Tired after the walk and shopping adventure, we returned to Laboo’s Café to dig into the ‘pure vegetarian thali’. It was 3 pm by the time we were done. Our next stop was Mandu – the city of love!
Mandu – reminiscent of love
We reached Mandu around twilight. It was a magical setting with the old Hindu, Afghan and Mughal style structures that are the repository of tales from yore. A series of gates on the outskirts, now in ruins, with royal names like the Alamgir and Bhangi Darwarza, Rampol Darwaza, Jehangir gate and Tarapur Gate welcome you into the city. The city boasts 61 monuments. It is also the place that witnessed the tragic love story of King Baz Bahadur and Roopmati. The ruler of Mandu, Baz Bahadur fell in love with the gorgeous shepherdess Roopmati who was known for her singing prowess. Though they got married, fate did not allow them to live happily. The invading Mughal army led by Adham Khan invaded the country culminating in Baz Bahadur’s defeat and Roopmati’s suicide to avoid capture. Even today, the monuments echo with the sad tales of the couple. Since it was night we stayed over at one of the government-run hotels which offered good accommodation
and quality food. Well-rested, we began exploring Mandu in the morning. We started early as we had to cover as many monuments as we could. We first went to the Hindola Mahal is a unique sloping wall structure as the side walls were strengthened with massive sloping buttresses which have given the name "swinging" (Hindola) palace to the building. The building has an ornamental façade, delicate trellis work. Around the Hindola Mahal are the baths, called Champa Baoli, where hot and cold water were provided. After walking around the ruins, we took a break with some cold drinks and sat under the huge trees, with squirrels and birds for company.
It is a good idea to hire a car if you want to cover maximum monuments. All the structures are situated at about a few kilometers from each other, with wilderness and just greenery in between. Our next stop was the Rewa Kund located up a hill, as it served as a reservoir in the past. The old stone-lined reservoir at the entrance of the Baz Bahadur’s palace is still used by the villagers
for washing clothes and bathing. During the days of Baz Bahadur, water from the tank used to be pumped to the palace.
In this structure, the most interesting point is Rani Roopmati’s pavilion, situated higher than Baz Bahadur’s palace, and rests on a ridge high above the Rewa Kund. The plateau plunges 300 metres, right into the Narmada Valley. On the terrace of the original portion there are pavilions, square at the base and crowned with domes. It is sheer pleasure to sit under the dome with the wind blowing your hair.
Baz-Bahadur’s Palace is not very big and has broad steps with landings at intervals. The passage through the gateway is covered
with rooms for the guards on both sides and with a vaulted ceiling. The passage further leads to the outer court of the palace with its main doorway in front. The main portion of the palace consists of a spacious open courtyard with halls and rooms on all the four sides and a cistern in its centre. Don’t be surprised if a local comes and sings folk songs to you for a couple of rupees!
We concluded our tour of Mandu after visiting the Jama Masjid and the tomb of Hoshang Shah, one of the rulers of Mandu. The Jama Masjid is a huge pinkish domed structure that stands out and is visible from a distance. This building believed to be modelled on the Great Mosque at
Damascus. A flight of steps leads up from the square to the large domed entrance porch. Ornate jali screens and bands of blueglaze tiles - most of which have gone missing - decorate the main doorway.
The tomb is made entirely from milky white marble - the first of its kind in the subcontinent. An inscription on the right door records the visit, in 1659, of the Mughal emperor Shah Jahan, who brought four of his architects to study the building before they began work on the Taj Mahal.
As we drove back to Indore, we were sure that memories of the city of love would remain with us like the haunting strains of a sonnet for a long time to come
War 2
War 2 is a gripping action thriller that elevates the YRF Spy Universe to new heights with its engaging storyline, breathtaking action sequences, and powerful performances. Hrithik Roshan once again shines as Kabir, balancing intensity and emotional depth with ease, while N T Rama Rao Jr. makes an impactful Hindi debut as Vikram, delivering both charisma and menace in equal measure. Kiara Advani adds strength and charm as Kavya, creating a compelling emotional core to the film. Ayan Mukerji masterfully weaves together espionage, personal vendettas, and unexpected twists, keeping the audience hooked till the very end. The film’s international settings, slick cinematography, and high-octane stunts make it a visual spectacle, while the emotional flashbacks provide depth to the characters. War 2 not only thrills with action but also resonates with themes of loyalty, betrayal, and redemption, making it a must-watch blockbuster.
Coolie
Coolie
is a riveting action thriller that combines Lokesh Kanagaraj’s gripping storytelling with Rajinikanth’s magnetic screen presence, delivering a film that is both emotionally powerful and thrilling. Rajinikanth brings unmatched charisma and depth to Deva, portraying a man torn between his past as a coolie union leader and his present battles against crime syndicates. Nagarjuna Akkineni makes a formidable antagonist as Simon, while Soubin Shahir’s Dayal adds layers of unpredictability and menace. Shruti Haasan shines as Preethi, balancing vulnerability with strength, and the supporting cast, including Upendra and Sathyaraj, leave a lasting impact. The film’s action set-pieces, from intense harbour confrontations to explosive ship battles, are executed with grandeur and precision, making it a visual spectacle. With themes of loyalty, betrayal, and sacrifice, Coolie resonates beyond its high-octane thrills, offering an emotional core that makes it an unforgettable cinematic experience.
Tehranis a taut and gripping spy action thriller that blends realism with highoctane drama, keeping audiences hooked from start to finish. John Abraham delivers a powerful performance as ACP Rajeev Kumar, capturing the intensity of a man battling betrayal and danger while seeking the truth behind the 2012 Delhi detonation. His commanding screen presence anchors the film, while Neeru Bajwa shines as Sheilaja, adding emotional depth and resilience. Manushi Chhillar impresses as SI Divya Rana, bringing freshness and determination to her role, and Madhurima Tuli complements the narrative as Rajeev’s supportive wife, adding heart to the story. Director Arun Gopalan crafts a fast-paced thriller that balances tense espionage sequences with raw human emotions, ensuring the stakes feel real and urgent. With sharp storytelling, impactful performances, and a thrilling portrayal of sacrifice and loyalty, Tehran stands out as a must-watch spy drama.
Nobody 2
Nobody 2 is a thrilling and action-packed sequel that raises the stakes while keeping the heart of the original intact. Bob Odenkirk once again delivers a standout performance as Hutch Mansell, perfectly blending vulnerability, grit, and sharp humour, proving he remains one of the most compelling action heroes today. The film expands the narrative with fresh faces like John Ortiz, Colin Hanks, and Sharon Stone, who seamlessly integrate into the chaos, while Connie Nielsen brings emotional weight as Becca, grounding Hutch’s relentless battles with the reminder of family bonds. Director Timo Tjahjanto injects the film with his signature flair, delivering explosive set-pieces, brutal hand-to-hand combat, and high-energy sequences that keep audiences on edge. Beyond the adrenaline, the story explores loyalty, redemption, and sacrifice, making it more than just action spectacle. Nobody 2 is a smart, stylish, and highly entertaining continuation of Hutch’s journey.
We Are All Guilty
Author : Karin Slaughter
Price : `2,621 (Hardcover)
Karin Slaughter’s We Are All Guilty Here is an absolutely gripping start to what promises to be a remarkable new series. Set against the backdrop of North Falls, a seemingly quiet small town, the novel brilliantly blends suspense with raw emotion as Officer Emmy Clifton wrestles with guilt and determination in the wake of two missing teenagers. Slaughter masterfully captures the claustrophobic intimacy of a town where everyone knows each other yet harbours secrets, pulling readers into a world where trust is fragile and every clue matters. The characters feel authentic, flawed, and compelling, especially Emmy, whose vulnerability and resilience make her unforgettable. With sharp pacing, atmospheric writing, and twists that keep you turning pages late into the night, this book showcases Slaughter at her finest and leaves you eager for the next installment in the series.
I Know How This Ends
Author : Holly Smale
Price : `2,196 (Hardcover)
Aheartfelt, beautifully crafted story that blends romance, wit, and just the right touch of magical realism, Holly Smale’s I Know How This Ends is uplifting indeed. Margot Wayward is a wonderfully relatable protagonist whose world unravels after heartbreak, yet her journey of rediscovery is both moving and inspiring. The intriguing twist of Margot glimpsing her own future, particularly her unexpected connection with single-dad Henry, adds a fresh and thought-provoking layer to the narrative. Smale’s writing is warm and engaging, filled with humour, tenderness, and moments of genuine vulnerability that capture the complexities of love, choice, and destiny. The novel encourages readers to embrace the present and reminds us that even amid uncertainty, joy and connection can be found. Charming, and irresistibly readable, this book is a gem that will linger long after the final page.
L.A. Women
Author : Ella Berman
Price : `2,142 (Hardcover)
Ella Berman’s L.A. Women is a dazzling, evocative novel that immerses readers in the glamour, grit, and intoxicating energy of 1960s Los Angeles while unravelling a haunting story of ambition, rivalry, and regret. Through Lane Warren’s perspective, Berman explores the complicated bonds between women, the lure of success, and the destructive power of envy with nuance and emotional depth. The duality of Lane and Gala’s friendship—filled with admiration, competitiveness, and betrayal—feels achingly real, making their relationship both captivating and heartbreaking. Berman’s prose is lush and atmospheric, vividly capturing the era’s party scene while never losing sight of the characters’ inner struggles. At its core, this is a powerful meditation on creativity, identity, and the cost of choices. Tautly written and deeply moving, L.A. Women is a compelling read beyond doubt.
People
Like Us
Author : Jason Mott
Price : ` 2,044 (Paperback)
Jason Mott’s People Like Us is a profound and beautifully written novel that blurs the lines between reality and imagination while exploring themes of identity, resilience, and human connection. With two parallel narratives—one following a celebrated Black author on a whirlwind book tour and the other centred on a writer confronting the aftermath of gun violence in a school—Mott weaves a story that is both deeply personal and universally resonant. His use of dreamlike sequences enriches the narrative, offering haunting yet tender reflections on love, memory, and the fragility of life. The prose is lyrical and evocative, pulling readers into the characters’ inner worlds with empathy and authenticity. Bold, moving, and unforgettable, People Like Us is a remarkable testament to storytelling’s power to heal, challenge, and illuminate the shared truths of our lives.
