is getting what you want; happiness is wanting what you get.” - W. P. Kinsella
Compassion, purpose, and unwavering commitment are the true drivers behind lasting change. These values not only shape meaningful leadership but also create a powerful foundation for socially driven innovation. When business is guided by empathy and a higher purpose, it transcends traditional goals and becomes a force for inclusion and transformation. K. Paul Thomas exemplifies this philosophy—leading with heart, vision, and impact. Our cover story this month features K. Paul Thomas, the Founder of ESAF, whose pioneering journey redefines banking as a mission of hope, dignity, and empowerment.
In this month’s issue, V.P. Nandakumar, MD & CEO of Manappuram Finance Ltd., shares his thoughts in ‘Wings of Change: Redefining Mobility for the Differently Abled’—a heartfelt article highlighting Manappuram Foundation’s compassionate initiative of donating 50 specially designed three-wheeler scooters to differently-abled beneficiaries. It’s an inspiring read that reflects the power of empathy and action.
You’ll also find your favorite sections, including travel inspiration, beauty tips, movie and book reviews, and uplifting stories from the business world.
“Reading is important, because if you can read, you can learn anything about everything and everything about anything.” - Tomie dePaola
Have a joyful reading experience!
Thank you
Sd/-
Jebitha Ajit
Harvard’s FaceAge AI Tool Enhances Cancer Prognosis
by Estimating Biological Age
Researchers at Harvard Medical School have developed FaceAge, an AI tool that estimates biological age from a facial photograph to predict health outcomes more accurately than chronological age. Published in The Lancet Digital Health, FaceAge was trained on over 58,000 images and tested on 6,196 cancer patients, using deep learning to detect subtle ageing signs invisible to the naked eye. It outperformed doctors in predicting survival among patients undergoing curative treatment, thoracic cancer cases, and those in palliative care. When combined with clinical data, FaceAge improved doctors’ six-month survival predictions, potentially aiding oncology treatment planning. However, ethical concerns include risks of misuse by insurers or employers and questions about accuracy across diverse demographics and cosmetic alterations. Researchers emphasise the need for further validation and regulation before clinical use, highlighting FaceAge’s promise to transform personalised medicine while urging caution in its deployment.
JCPenney, Proudly Launch Exclusive Baby Apparel Collection by Gabrielle Union and Dwyane Wade
“Business opportunities are like buses, there’s always another one coming.”
Sir
Richard Branson
JCPenney has partnered with Gabrielle Union and Dwyane Wade, co-founders of baby care brand Proudly, to debut an exclusive baby apparel collection marking Proudly’s entry into baby clothing. The collection offers high-quality, hypoallergenic essentials such as footed sleepers, onesies, two-piece sets, hooded towels, rompers, turbans, and beanie sets in soft, modern colourways with playful animal prints. Designed for style, comfort, and accessibility, the garments use baby-friendly fabrics and reflect a commitment to representation and inclusivity for all families. Proudly’s curated baby care gift sets will also be available at JCPenney. This collaboration strengthens JCPenney’s partnership with Union and Wade, whose other exclusive ventures with the retailer include the Flawless beauty line and SimStyled salon. Available in stores and online nationwide, the collection aligns with JCPenney’s mission to provide stylish, affordable, and family-focused products.
Supreme Court Stays `5,712-cr GST Demand Against First Games
In a major relief for One97 Communications, the Supreme Court has stayed a `5,712-crore GST demand issued to its real money gaming platform, First Games. The Directorate General of GST Intelligence (DGGI), New Delhi, had served a show cause notice in April 2025, prompting First Games to file a writ petition challenging its validity. As per a regulatory filing on May 24, the apex court granted the stay on May 23. One97 Communications, which owns the Paytm brand, clarified that the tax issue is not exclusive to First Games but part of a broader industry-wide concern currently under Supreme Court review. The ruling is significant amid heightened scrutiny of the real money gaming sector by tax authorities, with the outcome of this case likely to set a precedent for similar disputes across the industry.
Piccadily Agro Pioneers Smart Label Tech to Combat Alcohol Counterfeiting
“The secret of business is to know something that nobody else knows.”
Klarna Reverses AI-First Customer Support Strategy to Boost Service Quality
Klarna Group Plc has shifted its AI-centric customer support approach after CEO Sebastian Siemiatkowski admitted that prioritising cost savings over service quality resulted in poorer customer experiences. The fintech, which paused hiring for over a year to focus on AI, is now recruiting human agents, including remote workers and potentially its own users, to restore a personalised touch. This “Uber-type” on-demand support model aims to enhance brand credibility and customer trust. Despite this pivot, AI remains integral to Klarna’s operations, with ongoing investments in AI-powered tools like a digital financial assistant. The company’s earlier move to replace 700 support agents with AI created industry concern, but workforce reductions will continue, shrinking from 3,000 to 2,500 employees as AI capabilities advance. Klarna’s recalibration underscores a balanced approach, blending human expertise with technology to improve customer service.
Singtel Sells 1.2% Stake in Bharti Airtel for S$2b, Reaffirms Long-Term Commitment
“One way to keep momentum going is to have constantly greater goals.”
Michael Korda
Singapore Telecommunications Ltd (Singtel) has sold a 1.2% direct stake in Bharti Airtel for S$2 billion (around $1.54 billion) through its unit Pastel, offloading 71 million shares at `1,814 each—a 2.85% discount to Airtel’s previous close. The sale generated an estimated gain of S$1.4 billion, reducing Singtel’s holding from 29.5% to 28.3%, with the remaining stake valued at about S$48 billion. Despite the reduction, Singtel reaffirmed its longterm strategic partnership with Airtel, emphasizing over two decades of collaboration. Group CFO Arthur Lang highlighted that the deal crystallises value while attracting new long-term investors like domestic mutual funds and global institutions. This divestment follows earlier stake sales in 2022 and 2024 that helped fund Singtel’s 5G and digital expansion. Bharti Airtel shares dipped 2.8% to `1,816.60 despite a strong 432% year-on-year Q4 net profit surge.
UK PM to Sign Historic Pact on Chagos Islands Sovereignty and Military Base Lease
British Prime Minister Sir Keir Starmer is set to sign a landmark agreement transferring sovereignty of the Chagos Islands to Mauritius while maintaining a crucial UK-US military base on Diego Garcia under a 99-year lease, secured by a multi-billion-pound payment. This deal, delayed by leadership changes and US security concerns over Mauritius' China ties, aims to protect strategic interests in the Indian Ocean. The Chagos Archipelago, separated from Mauritius by Britain in 1965, has faced international pressure, including from the UN, for its return. However, Labour ministers argue that ceding sovereignty is vital to preserving the Diego Garcia base, deemed essential by Defence Secretary John Healey. Ahead of the signing, Chagossian representatives will discuss sovereignty and support initiatives, while MPs will review detailed terms, possibly including a 40-year lease extension. Critics claim the deal risks UK interests, but the government stresses it ensures security and alliances.
EU Condemns Hungary Over AntiLGBTQ+ Laws Amid Growing Tensions
Seventeen EU countries have jointly condemned Hungary for passing laws targeting LGBTQ+ individuals, including measures that allow banning Pride marches and enforce binary gender recognition. The legislation, passed in March and April, has sparked alarm among EU nations who argue it violates core values of dignity, freedom, and equality. The group urged Hungary to reverse the laws and called on the European Commission to consider legal action. Hungary denies any ban on Pride events, though officials, including Prime Minister Viktor Orban, have made statements discouraging them. Critics argue the measures effectively prohibit such events, framing them as harmful to children. A hearing took place Tuesday as part of an ongoing EU process that could, in theory, strip Hungary of voting rights, though consensus for such a step remains lacking. The European Commission is assessing its legal options to uphold fundamental rights.
Ex-Aide to Georgian Powerbroker Arrested Over $800 Million Crypto Fraud
Georgian authorities have arrested Giorgi Bachiashvili, a former aide to billionaire ex-Prime Minister Bidzina Ivanishvili, near the Armenian-Azerbaijani border after he fled while on trial for embezzling over $800 million in cryptocurrency. Sentenced in absentia to 11 years, Bachiashvili claims the charges are politically motivated, tied to his support for Ukraine and break with Ivanishvili. Authorities allege he fled Georgia in March by hiding in a car. His lawyer says he was forcibly returned and is at risk of torture. The charges stem from a 2015 loan from Ivanishvili’s Cartu Bank to launch a crypto mining venture. Transparency International Georgia cites insufficient evidence and political motives. Ivanishvili, seen as Georgia’s de facto leader and founder of the ruling Georgian Dream party, has shifted the country’s stance toward Russia while suppressing opposition and delaying EU accession, drawing US sanctions in December.
French Lawmakers Approve Assisted Dying Bill in Landmark Move
France’s lower house of parliament has approved a bill legalising assisted dying for terminally ill adults, marking a significant step toward allowing end-of-life choices. Passed by 305 votes to 199, the bill now heads to the Senate, with strong public support—over 90% favour the legislation. The bill permits individuals over 18 with advanced, incurable, life-threatening conditions and unbearable suffering to end their lives, either by self-administering a lethal dose or through a medical professional. Psychological suffering alone is not sufficient. Healthcare workers may opt out, and obstructing the right could lead to jail time and fines. President Emmanuel Macron called it an “important step,” as France joins other nations advancing assisted dying laws, including Britain and the Isle of Man. Lawmaker Olivier Falorni noted France’s delayed action, stressing the importance of adopting a distinct national approach.
BANKING WITH A SOUL: K PAUL THOMAS & THE ESAF REVOLUTION
From the quiet lanes of Thrissur to the corridors of global recognition, K. Paul Thomas has walked a path few dare to tread—blending finance with faith, business with benevolence, and vision with values. This is the inspiring story of the man behind ESAF, who ignited India’s banking revolution rooted in compassion.
The Spark That Ignited a Movement
It was the year 1992, ESAF was launched as an NGO, when India was undergoing tectonic shifts in economic policy and was throwing its doors wide open to globalisation. Later, in 1995, when the word “microfinance” was barely understood, the young man from Kerala dared to dream differently in the monetary realm. Thus, the Micro Enterprises Development (MED) Division was born under ESAF. While others dreamt of forging empires rooted in profit margins and bottom lines, K. Paul Thomas focused on people—specifically, women in India’s remotest, most backwards regions, who were ignored by the financial system.
Behind this modest beginning was an extraordinary vision: to lift communities out of poverty, not through charity, but by providing dignified access to finance. “The poor don’t need handouts. They need an opportunity to prove themselves,” he said.
Fast forward three decades, ESAF has grown from a grassroots
initiative to a full-fledged Small Finance Bank, with over 780 outlets across 24 states and 2 union territories, serving over 9.4 million customers. What began as a small step made progress by leaps and bounds over the years. However, the soul of ESAF as a social bank remains untouched—it’s not just a bank. It’s a movement.
A Pioneer Ahead of His Time
Long before the Kudumbashree movement made waves in Kerala, Paul Thomas had already introduced the idea of Self-Help Groups (SHGs) and joint liability models as powerful tools for transformation. Inspired by Nobel Laureate Prof. Muhammad Yunus and the Grameen Bank model in Bangladesh, he adapted it for Indian realities.
His earliest steps involved going door-to-door in remote villages, forming neighbourhood women’s groups, encouraging savings habits, and offering microloans for homebased businesses. It was hard work, but it worked.
ESAF became one of the earliest proponents of microfinance in India,
and Paul Thomas, its unassuming evangelist.
A Bank Where Lives Matter
When ESAF Small Finance Bank received its banking licence in 2017, it made history as the first bank from Kerala to be licensed after independence. That moment was a culmination of years of persistent work under the sun and the shade—building trust, reaching the unreached, and nurturing a network of believers in inclusive growth.
Today, ESAF Bank stands tall not just in numbers, but in values. Unlike traditional banks, its focus has always been clear: financial inclusion, livelihood support, and community transformation.
Under Paul Thomas’s guidance, the organisation expanded its offerings beyond microloans. It set up leadership training programmes for women empowerment, training programmes for rural entrepreneurship, created market linkages for artisan products, and facilitated access to government schemes. This integrated model became a lifeline for thousands trying to escape the cycle of poverty, and it also helped sustain
Under Paul Thomas’s vision, ESAF became the first Indian bank to join the Global Alliance for Banking on Values (GABV)— a network of like-minded institutions worldwide committed to ethical, sustainable banking.
the ecosystem he created. His leadership drew investors with a conscience—organisations like Opportunity International (Australia) and Oikocredit of the Netherlands—who backed his dream with dollars.
A Banker Who Serves
Ask anyone who knows him and they’ll vouch that Paul Thomas isn’t just a banker. He’s a servant leader. The term isn’t just a buzzword for him; it defines his ethos. His approach to governance is bottom-up, empowering those at the grassroots to shape their own destinies and escape the iron grip of poverty.
His belief? Leadership is not about being in charge. It’s about taking care of those in your charge. He lives this every day, not only in the policies ESAF adopts, but also in how he leads his teams with empathy, trust, and an unwavering sense of purpose.
Over the years, many prestigious laurels have come his way as signs of recognition for his visionary leadership and social impact. These include the Atal Pension Yojana Big Believers Award 3.0 for the Best Performing MD and CEO, the Circle of Excellence Exemplary Award of Par Excellence instituted by the PFRDA, and the Entrepreneur of the Year Award by TiE Kerala. He was conferred with the TMA Management Excellence Award and the Chamber of Commerce Award. He also received the Icon of Sustain-
ability Award.
Furthermore, he was feted with the FE Pillar of the BFSI Industry Award at the Financial Express Modern BFSI Summit—an acknowledgement of his enduring influence in reshaping banking with purpose and integrity.
Paul Thomas was also recognised as the CEO with HR Orientation at the World HRD Congress in 2022. A Local Heart and a Global Perspective
Even as ESAF expanded its footprint across India, it stayed rooted in its core belief—banking must be just, fair, and inclusive. That belief resonated globally. Under Paul Thomas’s vision, ESAF became the first Indian bank to join the Global Alliance for Banking on Values (GABV)—a network of like-minded institutions worldwide committed to ethical, sustainable banking.
That’s not all, as ESAF also became a proud member of the World Fair Trade Organisation, further amplifying its commitment to social justice. It’s no surprise then that ESAF Small Finance Bank was a finalist at the European Microfinance Award, not once, but twice—in 2014 (as an NBFC) and again in 2018 (as a bank).
These honours weren't just for innovation—they were for impact.
Organising the Unorganised
One of Paul Thomas’s most notable contributions has been his relentless focus on the unorganised
sector. In a country where informal workers form the majority, yet remain invisible to formal institutions, he saw a gap—and an opportunity. Through ESAF, he brought these communities into the fold—not just as borrowers, but as stakeholders in development.
Skill training programmes were rolled out, and artisans were given branding and marketing support. His initiatives also lent a helping hand to farmers in accessing fair trade markets. And above all, individuals were given the dignity of being seen, heard, and supported. This holistic approach created not just financial inclusion but also social empowerment. He deserves applause for being a bridge builder between the unorganised sector and the formal economy, thereby empowering countless individuals and communities.
Wearing Many Hats With Elan
While ESAF is his flagship legacy, K. Paul Thomas wears many hats with panache. He formerly served as the President of the Thrissur Management Association, and the Chairman of CII Kerala Chapter. Currently, he is the Chairman of Sa-Dhan, a Self-Regulatory Organisation for community development finance institutions.
In each role, he continues to champion the cause of inclusive development—ensuring that financial systems evolve not just for profit, but
One of Paul Thomas’s most notable contributions has been his relentless focus on the unorganised sector. In a country where informal workers form the majority, yet remain invisible to formal institutions, he saw a gap—and an opportunity. Through ESAF, he brought these communities into the fold—not just as borrowers, but as stakeholders in development.
for people and the planet. Although his academic background gave him the technical grounding, it was his values and vision that truly shaped his legacy.
Awards Are Great, Impact Is Better
Under Paul Thomas’s leadership, ESAF Small Finance Bank has not just grown—it has thrived on values. In 2018, the bank at -
tained Scheduled Commerce Bank status. The institution has garnered numerous accolades that highlight its trailblazing efforts in the financial sector. Among its most notable recognitions is the prestigious title of “Rising Brand of Asia 2021–2022” by BARC Asia, which acknowledged ESAF’s exceptional growth and visibility in the Asian market. The Leadership Capital and Makers of
Excellence Award, instituted by the Pension Fund Regulatory and Development Authority (PFRDA), further validated the bank’s commitment to ethical governance and impactful leadership. Additionally, ESAF received an Honourable Mention at the Global SME Finance Awards 2021, organised by the International Finance Corporation, placing it among the most innovative and effective institutions supporting small and medium enterprises worldwide. Later in 2023, he steered ESAF Small Finance Bank to successfully launch its IPO, which was oversubscribed 77 times.
Yet, for Paul Thomas, such recognitions, while meaningful, are not the ultimate goal. He views them as encouraging affirmations rather than endpoints. His deepest sense of fulfilment stems not from trophies or titles, but from the real and lasting changes in the lives of those ESAF serves. For him, success lies in hu-
man stories—of resilience, dignity, and empowerment. He believes the true measure of success is transformation—not balance sheets.
A Story Still Being Written
At 62, with decades of impact behind him, K. Paul Thomas remains as committed and passionate as ever. He believes India’s next big revolution is not digital or industrial— but social.
“The marginalised must be brought to the mainstream,” he often says, “not through force or charity, but through dignity and opportunity.” In a world obsessed with unicorns and billion-dollar valuations, Paul Thomas stands as a gentle giant—building an empire of empathy, trust, and values.
His journey is a testament to what happens when business meets compassion, when banking becomes a vehicle for justice, and when a single individual chooses to walk the path less taken—with courage, clarity, and commitment.
A Name You Can Trust
K. Paul Thomas is more than the founder of a bank. He is the founder of a movement of trust. He believed in the poor when no one else did. He brought dignity to development. And he proved that the most sustainable business model is one rooted in humanity.
As India moves forward into a future of rapid change, leaders like him remind us of the timeless values that truly move the world—compassion, courage, and community
Shri V.P.Nandakumar MD & CEO Manappuram Finance Ltd
Wings on Wheels must not be the end of the journey, but the beginning. It must become a model for similar initiatives across India—programmes that address not just physical mobility, but also economic and social mobility.
WINGS OF CHANGE: REDEFINING MOBILITY FOR THE DIFFERENTLY ABLED
In a country that often celebrates development in terms of highways, flyovers, and smart cities, the quiet revolution sparked by Wings on Wheels—a CSR initiative by the Manappuram Foundation—deserves attention of a different kind. On 2 June, in Kodungallur, Kerala, 50 specially designed three-wheeler scooters were handed over to differently-abled beneficiaries. The effort may seem modest in numbers, but its message is profound: mobility is not a privilege; it is a fundamental right.
Mobility determines how we access opportunity, express autonomy, and assert dignity. Yet, for the millions of differently-abled Indians, mobility is one of the most persistent and overlooked barriers. Public transport is often physically inaccessible, poorly designed, or outright discriminatory. Private solutions, on
the other hand, are unaffordable for the very people who need them the most. The result is a society where physical limitations are compounded by systemic exclusion.
It is in this context that the Manappuram Foundation’s Wings on Wheels programme becomes more than a CSR gesture. It is a statement—a declaration that inclusion begins with access. At the event, presided over by Kerala MLAs and inaugurated by Kerala Industries Minister P. Rajeev and Minister for Higher Education & Social Justice, Dr R. Bindu, the symbolic and practical value of the scooters distributed was unmistakable. They are not merely vehicles. They are enablers of education, employment, and engagement.
Imagine a student who can now commute independently to college. Picture a small trader who can
reach markets with ease. Consider a young adult who can now attend a job interview without relying on family or neighbours. The ripple effects of such mobility are difficult to quantify, yet impossible to ignore. Each vehicle empowers an individual. Each empowered individual inspires a family. Each inspired family strengthens the community.
One only needs to recall the example of physicist Stephen Hawking, whose mobility device allowed him to defy not only a debilitating illness but also societal expectations. Likewise, Indian writer and activist Firdaus Kanga, who lived with brittle bone disease, challenged perceptions not through pity, but with sharp wit and sharper insight. Both serve as reminders that the real disability lies not in the body, but in the barriers society creates.
Despite constitutional promises
and various policy frameworks, action on the ground continues to fall short when it comes to enabling the differently-abled. While the Rights of Persons with Disabilities Act, 2016 mandates accessibility in public infrastructure, enforcement needs further improvement. Budget allocations are thin, and execution is slower than social progress demands. It is here that responsible corporate action can—and should— step in. But such action must be consistent, scalable, and informed by lived realities, not merely by compliance checklists.
The presence of several dignitaries at the Kodungallur event— including Kerala Ministers and representatives from the banking sector—signalled a welcome confluence of government, private, and civil society interest. Yet, as always, the true measure of success will be
determined not by the event itself, but by what follows.
Wings on Wheels must not be the end of the journey, but the beginning. It must become a model for similar initiatives across India— programmes that address not just physical mobility, but also economic and social mobility. For real empowerment, infrastructure must meet aspiration. That means more than scooters. It means accessible classrooms, barrier-free workplaces, and inclusive public policies.
This article also calls upon urban planners, transport authorities, and policymakers to look beyond numbers and see the human stories hidden in mobility statistics. A transport system that excludes the differentlyabled is not just inefficient—it is unjust. And injustice, when institutionalised, becomes the most dangerous form of inequality.
Finally, let us also remember what the recipients of these scooters have taught us: they do not seek sympathy; they seek access. They do not wish to be reduced to their limitations, but to be recognised for their potential. That recognition begins with action, such as the one taken by the Manappuram Foundation.
As a society, we must ask ourselves: are we designing our roads, buses, and cities for everyone, or just for the able-bodied majority? Are we fostering inclusion or reinforcing invisibility?
The answers to these questions will shape the kind of India we build. If Wings on Wheels teaches us anything, it is this: when you give someone the power to move, you also give them the power to rise. And that, perhaps, is the most profound kind of development to which we can aspire
V.P. Nandakumar and Sumitha Nandakumar at Wings on Wheels, a CSR drive by Manappuram Foundation
Rajesh Nair Partner, Ernst & Young LLP
Social initiatives often involve planning and executing projects aimed at community betterment. Participants learn to manage budgets, timelines, and team dynamics, enhancing their project management and organisational skills. For example, organizing a fundraising event requires strategic planning, marketing acumen, and financial oversight.
How Social and Charitable Institutions Help in Developing Managerial Skills and Meaning Beyond Careers
In today's fast-paced world, where professional success is often measured by the vertical ascent of one's career ladder, finding meaning and purpose beyond job titles and pay cheques can be a formidable endeavour. The immersion into social and charity institutions offers an alternative path that not only allows individuals to contribute to society but also aids in the development of essential managerial skills. These organisations serve as fertile grounds for fostering leadership abilities while enriching personal lives with purpose and fulfilment. This essay explores the multifaceted ways in which engaging with social and charity institutions like Rotary supports the blossoming of managerial skills and the discovery of deeper life meaning.
Developing Managerial Skills
Volunteering for or working with social and charity institutions provides a dynamic environment where diverse managerial skills are nurtured. These organisations often operate under constraints such as limited resources, diverse stakeholder expectations, and pressing societal needs, creating an ideal setting for experiencing real-world challenges.
1. Leadership and Decision-
Making: Participants are frequently required to lead initiatives, make critical decisions, and adapt to evolving scenarios. This environment fosters the ability to lead with empathy and resilience—qualities essential for effective management. Volunteering with a charity organisation that operates humanitarian aid, for instance, necessitates quick decision-making to allocate resources efficiently during emergencies.
2. Communication and Interpersonal Skills: Effective communication is pivotal in these settings, where diverse groups, including beneficiaries, volunteers, and stakeholders, interact. Volunteers learn to convey messages clearly, listen actively, and resolve conflicts—skills transferable to any managerial position.
3. Project Management and Organisational Abilities: Social initiatives often involve planning and executing projects aimed at community betterment. Participants learn to manage budgets, timelines, and team dynamics, enhancing their project management and organisational skills. For example, organizing a fundraising event requires strategic planning, marketing acumen, and financial oversight.
4. Problem-Solving and In-
novation: Limited resources push individuals to innovate and devise creative solutions to complex problems. This entrepreneurial mindset is crucial in managerial roles across various sectors, driving efficiency and effectiveness.
Finding Purpose and Meaning
Beyond equipping individuals with managerial acumen, participation in social and charity organisations fulfill intrinsic human needs for purpose and meaning, extending far beyond traditional career aspirations.
1. Connection and Community: Engaging with these institutions fosters a sense of belonging and community. Working collaboratively toward a shared goal creates deep connections with others, offering a sense of companionship and fulfilment. This community involvement helps broaden perspectives, challenge stereotypes, and cultivate empathy.
2. Giving Back and Legacy: Contributing to social causes allows individuals to leave a positive impact on society. This sense of giving back, or leaving a legacy, often provides a profound sense of purpose, transcending personal ambitions. By addressing societal challenges, indi-
viduals experience the joy and satisfaction of creating lasting change.
3. Personal Growth and SelfReflection: Engaging in charity work often encourages self-reflection and personal growth. It prompts individuals to question their values, align actions with beliefs, and make meaningful life choices. This process of introspection is valuable for personal development and discovering life’s purpose beyond professional endeavours.
4. Alignment with Personal Values: Involvement in social causes often aligns with personal values and passions, offering a sense of authenticity and satisfaction. When actions resonate with core beliefs, individuals experience greater happiness and well-being. This alignment empowers them to pursue initiatives that matter, enabling a more fulfilling life journey.
Practical Applications in Career and Life
The skills and experiences gained from involvement in social and charity institutions are not confined to personal growth; they have practical applications in careers and life.
1. Transferable Skills: Managerial skills such as leadership, communication, and problem-solving gained in these settings are highly valued across professions. Employers increasingly seek well-rounded individuals who demonstrate these competencies, making engagement in social initiatives an asset in the job market.
2. Enhanced Networks: Interacting with people from diverse backgrounds expands professional and personal networks. Connections with like-minded individuals
can lead to career opportunities, collaborations, and mentorship, enriching one's professional journey.
3. Work-Life Balance and Fulfilment: Finding purpose outside of work contributes to better work-life balance and mental wellbeing. Individuals who engage in meaningful activities beyond their careers often report increased job satisfaction and lower stress levels, leading to a more harmonious lifestyle.
4. Inspirational Leadership:
Leaders who exhibit a strong sense of purpose and commitment to social values inspire others, fostering positive organisational cultures. They lead by example, creating environments where ethical practices and societal contributions are valued.
A classic example of a similar institution is Rotary International. It is a globally recognised organi-
sation known for its dedication to humanitarian service, ethical business practices, and the promotion of peace and goodwill. For professionals looking to develop personally and professionally, Rotary offers a plethora of opportunities beyond just networking. This essay explores how a professional can derive maximum benefit from being a part of such an esteemed enterprise.
Networking and Professional Relationships
One of the most significant advantages of joining Rotary is the access to an extensive network of professionals across various sectors. Members are local leaders and influencers committed to service, providing an invaluable platform for establishing meaningful connections. Professionals can leverage these relationships for mentorship, partnership on projects, and collaborative opportunities that can enhance both personal growth and career advancement. By actively participating in meetings and events, and involving themselves in discussions, they can build a robust professional network that transcends industries and geographic boundaries.
Leadership Development
Rotary offers a unique environment for developing leadership skills. Members often have the opportunity to lead committees, organize projects, or even serve as a club president. These roles demand skills in decision-making, project management, and team leadership, providing practical experiences that enhance one’s ability to lead effectively in any professional setting. Exposure to diverse perspectives and global issues also broadens members' worldviews, preparing them for leadership roles that require cultural sensitivity and strategic thinking.
Community Engagement and Service
Professionals often seek to make a positive impact beyond their own careers, and Rotary is the perfect conduit for community service. Through involvement in Rotary’s myriad projects—ranging from local community service initiatives to international humanitarian efforts—members can contribute to
meaningful societal changes. This commitment to service not only enriches one’s personal sense of fulfilment but also reflects positively in a professional context, where social responsibility is increasingly valued.
Personal Growth and Fulfilment
Rotary encourages its members to uphold high ethical standards in their personal and professional lives. By engaging with like-minded individuals dedicated to service and ethical leadership, members often find renewed purpose and motivation. This alignment with core values results in personal growth, offering a deeper sense of fulfilment and satisfaction that transcends mere professional success.
Access to Global Opportunities
Rotary’s global reach allows members to participate in international service projects and exchange programs, gaining exposure
to new cultures and global issues. This exposure not only enhances cultural competence but also offers unique global insights that are increasingly pertinent in an interconnected world. Professionals can leverage these experiences to enhance their global awareness and adaptability—skills that are highly sought after in today’s global job market.
Engaging with social and charity institutions represents a transformative journey that enhances managerial skills while fulfilling intrinsic human needs for purpose and meaning. In a world where professional accolades often overshadow personal fulfilment, these experiences offer a pathway to discovering a more profound sense of self. By aligning personal values with societal contributions, individuals not only enhance their managerial competencies but also find lasting fulfilment that transcends traditional career aspirations
BUSINESS WITH A HEART: UNIQUE TIMES CONCLAVE 2025 LIGHTS THE WAY FORWARD
In an era where business success is increasingly measured by more than just bottom lines, the Manappuram Unique Times Conclave 2025 emerged as a powerful testament to visionary thinking, innovation, and purpose-driven leadership. Held at the majestic Le Meridien Kochi, this year’s conclave brought together a galaxy of industry lead-
ers under the unifying theme: “How to Create Value in Your Business.”
Spearheaded by Pegasus Global Pvt Ltd and its dynamic Chairman Dr. Ajit Ravi, the event once again affirmed its stature as a premier platform for transformative conversations in the Indian business ecosystem. Power Panel: Voices
That Shape the Future
The heart of the event was a dynamic and thought-provoking panel discussion moderated by CA Vivek Krishna Govind of Varma & Varma, Chartered Accountants. With the room brimming with anticipation, a stellar line-up of industry stalwarts took the stage — each with a unique story, each with a hard-earned insight into the art of building value that endures.
More than just a conclave, the 2025 edition served as a crucible of collaboration and inspiration, urging entrepreneurs and professionals alike to rethink their business strategies in terms of long-term, meaningful impact.
From the financial acumen of leaders like V P Nandakumar and Dr. Sumitha Nandakumar of Manappuram Finance Ltd, to the innovative hospitality ventures helmed by Dr. Jolly Antony, and the tax and investment expertise of CA Sreejith Kuniyil, the discussion spanned industries and ideologies. Adding depth and diversity were powerful voices like Dr. Fathima Nilufer Sheriff, a champion of empathy-driven leadership; Navas Meeran, who emphasised the balance of tradition and modernity in global business; Sir Sohan Roy SK, whose maritime and media innovations set new benchmarks; and Muhammed Madani K, a testament to resilient entrepreneurship.
Insights That Inspire
From financial empowerment
and digital disruption to purposedriven entrepreneurship and ethical governance, the discussion sparked a flurry of ideas on how modern businesses can evolve in today’s fast-paced world. The session made one thing abundantly clear: value creation isn’t a one-size-fits-all formula. It’s a dynamic journey that demands vision, adaptability, and a relentless focus on people and purpose.
From embracing technology and digital transformation to nurturing ethical leadership and sustainable practices, the panel unpacked the many dimensions of value in today’s hyper-competitive environment. Above all, the conclave resonated with one unifying message: real value goes beyond profit. It’s about building businesses that empower people,
respect the planet, and make a lasting difference in society.
A Platform for the Future
More than just a conclave, the 2025 edition served as a crucible of collaboration and inspiration, urging entrepreneurs and professionals alike to rethink their business strategies in terms of longterm, meaningful impact.
Attendees left with not just knowledge, but a renewed sense of purpose — and a deeper understanding of what it truly takes to build a business that lasts, uplifts, and transforms.
In a world driven by disruption, the Manappuram Unique Times Conclave 2025 proved that timeless values — innovation, integrity, and human connection — remain the true currency of success
MBA Award 2025: Sir Sohan Roy SK Joins the Billionaire Hall of Fame
In a spectacular celebration of business brilliance and social responsibility, Sir Sohan Roy SK, the visionary Founder Chairman & CEO of Aries Group, was bestowed with the 18th Manappuram Multibillionaire Business Achiever (MBA) Award. The grand ceremony took place on May 26th at the opulent Le Meridien Hotel in Kochi, where industry leaders, dignitaries, and influencers gathered to witness the crowning of yet another icon of
entrepreneurial excellence. The honour was presented by none other than V.P. Nandakumar, MD & CEO of Manappuram Finance Ltd and the first-ever recipient of the MBA Award. Also in attendance was Dr. Ajit Ravi, the dynamic founder of the MBA Award and the elite business circle, the Federal International Chamber Forum (FICF), as well as the Chairman of Pegasus Global Pvt Ltd.
More Than a Trophy—A
Symbol of Vision and Impact
The MBA Award is no ordinary recognition. It celebrates leaders who have built monumental business empires while remaining grounded in their commitment to social change. With this accolade, Sir Sohan Roy joins an illustrious league of entrepreneurs who have redefined success by blending profit with purpose.
Over the years, the MBA Award
has honoured some of the most iconic names in Indian industry. Business legends such as V.P. Nandakumar, Joy Alukkas, M.A. Yusuff Ali, T.S. Kalyanaraman, P.N.C. Menon, Gokulam Gopalan, Dr. Ravi Pillai, M.P. Ramachandran, Kochouseph Chittilappilly, Sabu M. Jacob, Dr. Viju Jacob, Dr. A.V. Anoop, Dr. Varghese Kurian, Adv. P. Krishnadas, and Dr. Hafeez Rahman — all distinguished Keralite businessmen — have been celebrated for their outstanding contributions to industry and society. As part of visionary leader Ajit Ravi’s pan-India expansion, this prestigious recognition has also been extended to eminent business icons from Tamil Nadu, including Shri Soundararajan Bangarusamy, Shri V.R. Muthu, Shri V.C. Praveen, Dr. Arun N. Palaniswami, Shri C.K. Kumaravel, and Shri T.K. Chandiran.
The Gateway to the World's Wealthiest and Most Responsible Club
With the MBA Award now in his repertoire, Sir Sohan Roy
has earned his place in the Federal International Chamber Forum (FICF)—an ultra-exclusive club comprising business leaders with net assets exceeding `1,000 crore. The brainchild of Dr. Ajit Ravi, FICF stands out as the world’s first and only elite club that does not charge a membership fee, highlighting values, vision, and social responsibility above all.
FICF is more than a badge of honour; it is a global platform designed to unite powerful entrepreneurs who believe in using their influence and innovation for the greater good. Its members are not just defined by their wealth but by their unwavering dedication to social change. Dr. Ajit Ravi’s visionary leadership behind the award highlights his mission to cultivate a nationwide movement in business excellence with a globally conscious outlook. Through initiatives championed by its founder, Ajit Ravi, FICF continues to inspire business leaders to become changemakers in their communities and beyond.
Sir Sohan Roy: Leading with Legacy
Sir Sohan Roy’s career is a testament to what the MBA Award embodies. A global entrepreneur with deep roots in maritime innovation, cinema, education, and sustainable development, he has consistently demonstrated how leadership and legacy can walk hand in hand. His visionary leadership of Aries Group continues to make waves—not just in business, but in lives touched by his wideranging social initiatives.
As the evening at Le Meridien drew to a close with applause and admiration, it was clear that the MBA Award is not just about business triumphs. It’s about rewriting the narrative of success, where vision meets values, and achievement echoes with impact.
The MBA Award, year after year, reminds us that true greatness lies in building empires not just of wealth—but of change. And with Sir Sohan Roy SK now etched into its legacy, that message has never rung louder
Crowning Grace: Shwetha Jayaram Wins Alcazar Watches & DQUE Miss Queen of India 2025 Title
In a night that shimmered with elegance, diversity, and grace, Kerala's very own Shwetha Jayaram clinched the coveted title of Alcazar Watches & DQUE Miss Queen of India 2025. The grand coronation, held on May 26th at Le Meridien, Kochi, marked the 14th edition of the prestigious beauty pageant that celebrates not just
outer beauty, but talent, character, and cultural pride.
Emerging as the top contender among 14 exceptional finalists from across the country, Shwetha impressed the judges with her poise, presence, and passion. She was closely followed by Livya Liffy, also from Kerala, who secured the first runner-up title, while Kavya Bali
from Jammu & Kashmir became the second runner-up. The title crown was ceremoniously presented by Dr. Ajit Ravi, Chairman of Pegasus Global Pvt. Ltd., along with Jebitha Ajit, its Managing Director. The first and second runners-up were crowned by esteemed personalities including Sajan Varghese, Dr. Jolly Antony, Dr. G. N. Ramesh, and Major Ravi, adding
grandeur to the evening.
Unlike many other beauty competitions, Miss Queen of India, organised by Pegasus Global Pvt. Ltd., stands out for eliminating the bikini round—an industry-first initiative that places greater emphasis on dignity, talent, and cultural values. Pegasus remains the only event production company in India to take this progressive step. The competition also serves as a gateway to prominent international pageants such as Miss Asia, Miss Asia Global, and Miss Glam World, thus opening global stages to Indian beauty and talent.
In addition to the national crown, the event recognised regional excellence. Ritu Roat from Rajasthan was
awarded the Miss Queen North title, Rupvardhini Kumar Saste from Maharashtra won Miss Queen West, Bhupali Modak from West Bengal was named Miss Queen East, and Sanjana Akasam from Telangana bagged the Miss Queen South title. These regional honours showcased the depth of talent from different parts of the country.
Shwetha Jayaram further stood out by claiming two subtitle awards—Miss Humaneness and Miss Vivacious, reinforcing her image as a graceful and compassionate queen. The subtitle round also celebrated other outstanding qualities. Rupvardhini Kumar Saste won Miss Talent, while Livya Liffy dazzled on the ramp to secure Miss Ramp
Walk. Deepika Krishnamurthy from Karnataka earned the title of Miss Congeniality, and Mayuri Mishra was honoured with Miss Solidarity. Ritu Roat claimed Miss Fashionista, and Karishma Avinash Kadam inspired the judges to award her Miss Inspiring.
The competition saw participation from 14 handpicked finalists representing the cultural mosaic of India. The contestants included Akshitha Sathyanarayana, Bhupali Modak, Deepika Krishnamurthy, Karishma Avinash Kadam, Kavya Bali, Livya Liffy, Mayuri Mishra, Meenakshi Unnikrishnan, Ramyani Roysarkar, Ritu Roat, Rupvardhini Kumar Saste, Sanjana Akasam, Shhukra Surryavanshi, and Shwe-
tha Jayaram.
The judging panel featured an elite lineup from the fashion and entertainment industry. Acclaimed fashion designer Hari Anand, Harmeet Singh Gupta (Managing Director of U&I Entertainment), Magen Fernandes (Mrs. India Global 2021), and Abhijeet Adurkar (General Manager of The Resort Mumbai) lent their expertise in selecting the most deserving winners. The magnificent gold crowns, worn by the winners, were specially crafted by Preeti Prakash of Parakkat Jewels, while subtitle winners were chosen by another equally eminent panel.
The pageant was made possible through the strong support of its main partners—Alcazar Watches and DQUE—alongside Manappuram Finance Ltd, Unique Times, Parakkat Resorts, SAJ Group Hotels & Resorts, and Green Media. Several co-partners contributed to the success of the event, including Kalpana International Salon & Spa, Aiswaria Advertisements, Europe Times, Times New, UT World, DQUE Soap, DQUE Tshirts, DQUE Watches, Akshay Inco, and JD Institute of Fashion Technology.
From Kerala to Kashmir, the Miss Queen of India 2025 pageant was a heartwarming reminder that India’s true beauty lies in its diversity, spirit, and strength of character. And at its heart stood Shwetha Jayaram—a queen for today, and an inspiration for tomorrow
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.
Lack of sleep can double the risk of death especially from cardiovascular diseases. In children and adolescents, hormones that promote growth are released during sleep that help build muscle mass, and repairs cells and tissues. Sleep is vital to development during puberty.
SNOOZE YOUR WAY TO GOOD HEALTH
Sleep is essential as much as you need to breathe and eat. While you’re sleeping, your body is busy tending to your physical and mental health and getting you ready for another day. Sleep deprivation is dangerous to our mental and physical health and can dramatically lower our quality of life. The quality of your sleep directly affects the quality of your awake life, including your mental sharpness, productivity, emotional balance, creativity, physical vitality, and even your weight. No other activity delivers so many benefits with so little effort! Even minimal sleep loss takes a toll on your mood, energy, and ability to handle stress.
The average sleep duration required for an adult between 8-64 years is 7-9 hours (as per National Sleep Foundation). But the average adult sleeps less than seven hours per night. In today’s fast-paced and competitive society, six or six and half hours of sleep may sound pretty good. In reality, it is chronic sleep deprivation.
Sleep Deprivation Can Lead to Serious Health Problems like
• Heart diseases
• High blood pressure
• Stroke
• Diabetes
• Migraine
• Low immunity
• Cognitive impairment
• Behavioural abnormalities
• Overweight
Lack of sleep can double the risk of death especially from cardiovascular diseases. In children and adolescents, hormones that promote growth are released during sleep that help build muscle mass, and repairs cells and tissues. Sleep is vital to development during puberty.
Central Nervous System
Sleep is necessary to keep the CNS functioning properly. During sleep, the brain rests busy neurons and forms new pathways so that it can start new functions in the morning. Sleep deprivation leaves the brain exhausted, producing sleepiness. It interferes with our ability to concentrate and learn new things. It negatively impacts both short-term and long-term memory. It gets in the way of our decision-making process and stifles creativity. Our emotions are also affected, making us more likely to have a short temper and
mood swings. If sleep deprivation continues long enough, it increased risk of hallucinations, mania, impulsive behavior, depression, paranoia, and suicidal thoughts.
A side effect of sleep deprivation is micro sleep where we sleep for only a few seconds or a few minutes, but we don’t realise it. Micro sleep can get out of our control and can be extremely dangerous if we are driving.
Brain events called “sharp wave ripples” are responsible for consolidating memory. The ripples also transfer learned information from the hippocampus to the neocortex of the brain, where long-term memories are stored. Sharp wave ripples occur mostly during the deepest levels of sleep.
Immune System
During sleep our immune system produces protective cytokines and infection-fighting antibodies and cells. These cytokines and other protective substances give the immune system more energy to defend against illness. Long-term sleep deprivation raises our risk of developing chronic illnesses like diabetes and cardiovascular diseases and can
prolong time to recover from many illnesses.
Respiratory System
Sleep deprivation can weaken our immune system, hence we are more vulnerable to respiratory problems like the common cold and influenza. Moreover a good sleep can help cure respiratory problems.
For men with obstructive sleep apnea secreted abnormally low levels of testosterone during the night.
Digestive System
Sleep deprivation is one of the risk factors for obesity. It increases production of the stress hormone cortisol. Lack of sleep lowers level of a hormone called leptin, which tells our brain that we had enough to eat and raises levels of a biochemical called ghrelin, which is an appetite stimulant. Sleep deprivation prompts your body to release higher levels of insulin promoting fat storage and increasing your risk of developing type 2 diabetes. It stimulates cravings for high-fat, high-carbohydrate foods.
Cardiovascular System
Sleep plays a vital role in our body’s ability to heal and repair the blood vessels and heart. Thus deprival of sleep increases risk of high blood pressure, heart disease, and stroke.
Inadequate sleep accelerates ageing.
By releasing more of the stress hormone cortisol, it can break down skin collagen, the protein that keeps skin smooth and elastic. Most people have experienced sallow skin and puffy eyes after a few nights of missed sleep. But it turns out that chronic sleep loss can lead to lack-
luster skin, fine lines, and dark circles under the eyes.
Lack of Sleep Kills Sex Drive
Sleep specialists say that sleepdeprived men and women report lower libidos and less interest in sex. Depleted energy, sleepiness, and increased tension may be largely to blame.
Sleeplessness causes depression
The most common sleep disorder, insomnia, has the strongest link to depression. In fact, insomnia is often one of the first symptoms of depression
Myths regarding sleep
Myth 1: Getting just one hour less sleep per night won’t affect your daytime functioning
Myth 2: Your body adjusts quickly to different sleep schedules
Myth 3: Extra sleep at night can cure you of problems with excessive daytime fatigue
Myth 4: You can make up for lost sleep during the week by sleeping more on the weekends.
Myth 5: More intelligent people sleep less.
The sleep cycle
The stages of REM and nonREM sleep form a complete sleep cycle. Each cycle typically lasts about 90 minutes and repeats four to six times over the course of a night. Deep sleep (Stage N3) and REM sleep are particularly important.
Our 24-hour sleep-wake cycle, otherwise known as your biological clock or circadian rhythm, is regulated by processes in the brain that respond to how long we have been awake and the changes between light and dark. At night, our body
responds to the loss of daylight by producing melatonin, a hormone that makes you sleepy. During the day, sunlight triggers the brain to inhibit melatonin production so we feel awake and alert.
Our internal clock can be disrupted by factors such as nightshift work, traveling across time zones, or irregular sleeping patterns—leaving us feeling groggy, disoriented, and sleepy at inconvenient times. The production of melatonin can also be thrown off when we are deprived of sunlight during the day or exposed to too much artificial light at night— especially the light from electronic devices, including TVs, computers, tables, and mobile phones. Seven tips to improve sleep
1.Stick to a sleep schedule.
2. Don't go to bed either hungry or stuffed. Nicotine, caffeine and alcohol should be taken with caution. Take only adequate water before sleep.
3. Create a bedtime ritual like taking a warm bath or shower, reading a book, or listening to soothing music — preferably with the lights dimmed. Relaxing activities like alpha meditation is useful.
4. Create a room that's ideal for sleeping. Often, this means cool, dark and quiet. The mattress and pillow can contribute to better sleep
5. Limit daytime naps. If you choose to nap during the day, limit yourself to about 10 to 30 minutes and make it during the mid-afternoon.
6. Regular physical activity can promote better sleep
7. Consider healthy ways to manage stress
Ravi Saini Associate Editor, Unique Times & CEO, RSW (Resetting Sustainable Wealth) Group
A policy designed to solve one problem might inadvertently create new ones or worsen existing situations. For instance, some argue that certain urban development policies, while aiming for renewal, have contributed to increased property taxes and the displacement of long-term residents.
BROKEN POLICIES AND BAD POLITICS
Broken Policies are policies that:
• Fail to address the intended problems: They might be poorly designed, based on inaccurate data, or ignore the root causes of issues. For example, a housing policy that doesn't account for the needs of lowincome individuals could lead to increased homelessness.
• Create unintended negative consequences: A policy designed to solve one problem might inadvertently create new ones or worsen existing situations. For instance, some argue that certain urban development policies, while aiming for renewal, have contributed to increased property taxes and the displacement of long-term residents.
• Are impractical or unenforceable: Policies that are too complex, lack proper funding, or are difficult to implement can become "broken" because they simply don't work in practice.
• Are outdated: Policies that were effective in the past may no longer be relevant or appropriate for current societal conditions, leading to inefficiency and frustration.
Bad Politics refers to political practices and systems that:
• Prioritise self-interest over public good: Politicians or political parties might make decisions based on personal gain, ideological rigidity, or the desire to maintain power, rather than what is best for the citizens they serve. This can manifest as corruption, favouritism, or the creation of policies that benefit a select few.
• Lack of transparency and accountability: When political processes are opaque and decision-makers are not held responsible for their actions, it becomes easier for bad policies to emerge and persist. This erodes public trust and can lead to a sense of disenfranchisement.
• Foster hyper-partisanship and gridlock: An inability to compromise or find common ground among political factions can prevent effective policies from being enacted or lead to the constant reversal of policies with each change in power.
• Result in incompetent leadership: When the political system does not attract or incentivise qualified
individuals to run for office, or when it rewards incompetence, the quality of governance suffers.
• Undermine democratic processes: This can include voter suppression, manipulation of electoral systems, or disregard for established legal and constitutional norms.
Consequences of Broken Policies and Bad Politics can be farreaching and detrimental:
• Economic Stagnation and Inequality: Misguided economic policies, corruption, and a lack of investment due to instability can lead to decreased economic growth, job losses, and a widening gap between the rich and the poor.
• Erosion of Public Trust: When citizens perceive their government as ineffective, corrupt, or uncaring, trust in institutions declines. This can lead to disengagement from the political process, increased social unrest, and a general feeling of cynicism.
• Decline in Public Services: Broken policies often manifest as underfunded or poorly managed public services, such as education, healthcare, infrastructure, and pub-
lic safety. This directly impacts the quality of life for citizens.
• Social Division and Unrest: Policies that are perceived as unfair or discriminatory can exacerbate existing social tensions, leading to protests, civil unrest, and a breakdown of social cohesion.
• Humanitarian Crises: In extreme cases, bad politics and broken policies can contribute to or worsen humanitarian crises, such as widespread poverty, famine, or conflict.
• Negative Impact on Mental Health: Constant exposure to political dysfunction, inequality, and uncertainty can contribute to stress, anxiety, and a general sense of hopelessness among the populace.
• Reduced International Standing: A nation plagued by broken policies and bad politics may lose credibility and influence on the global stage, affecting its ability to engage in diplomacy, trade, and international cooperation.
In essence, "broken policies and bad politics" creates a vicious cycle where poor governance leads to ineffective solutions, which in turn fuels public dissatisfaction and further undermines the political system. Addressing this requires a multi-faceted approach, including systemic reforms, increased citizen participation, and a commitment to ethical and effective leadership.
Way Ahead." Identifying the problems of "broken policies and bad politics" is crucial, but the real challenge lies in finding solutions and charting a path forward. Here's a section outlining the "Way Ahead":
Addressing Broken Policies and Bad Politics
Moving beyond the current state of broken policies and bad politics requires a multi- pronged, sustained effort involving various stakeholders: citizens, politicians, institutions, and civil society. It's not a quick fix, but a continuous process of reform, accountability, and re-engagement.
Reforming Political Practices (Fixing "Bad Politics")
Strengthening Democratic Institutions:
i. Electoral Reform: Implement measures to ensure fair and transparent elections, including independent election commissions, campaign finance reform to reduce the influence of money, and accessible voter registration.
ii. Checks and Balances: Reinforce the independence and oversight capabilities of legislative, judicial, and independent regulatory bodies to prevent executive overreach and ensure accountability.
iii. Constitutional Adherence: Promote a culture where political actors consistently uphold the spirit
and letter of the constitution and established legal norms.
iv. Promoting Ethical and Accountable Leadership.
v. Anti-Corruption Measures: Enact and rigorously enforce robust anti-corruption laws, establish independent anti-graft agencies with real teeth, and implement whistleblower protection.
vi. Transparency and Disclosure: Mandate greater transparency in government operations, including public disclosure of lobbying efforts, financial interests of public officials, and government contracts.
vii. Code of Conduct: Develop and enforce strict codes of conduct for public officials, with clear penalties for violations.
viii. Meritocracy: Encourage and incentivise a political culture that values competence, experience, and public service over patronage and personal loyalty.
Fostering Inclusivity and Participation:
I. Civic Education: Invest in comprehensive civic education to empower citizens with knowledge about their rights, responsibilities, and how their government functions.
II. Deliberative Democracy: Create platforms for meaningful public discourse and deliberation on policy
Reinforce the independence and oversight capabilities of legislative, judicial, and independent regulatory bodies to prevent executive overreach and ensure accountability
issues, allowing diverse voices to be heard and considered.
III. Decentralisation: Where appropriate, devolve power and decision-making closer to local communities, enabling more direct citizen involvement and responsiveness to local needs.
IV. Protecting Dissent and Free Speech: Safeguard the rights of free expression, assembly, and protest, allowing for constructive criticism and alternative viewpoints.
Combating Hyper-Partisanship and Polarisation:
I. Cross-Party Dialogue: Encourage mechanisms for dialogue and compromise between political parties on critical national issues.
II. Focus on Common Ground: Shift the political narrative from constant conflict to one that identifies shared values and common goals.
III. Media Literacy: Promote critical media literacy to help citizens discern factual information from partisan propaganda and misinformation.
Designing and Implementing Effective Policies (Fixing "Broken Policies")
Evidence-Based Policymaking:
I. Data Collection and Analysis: Invest in robust government capacity for collecting accurate data, conducting rigorous research, and analysing policy impacts before and after implementation.
II. Expert Consultation: Routinely consult with academics, domain experts, and affected stakeholders during the policy design process.
III. Pilot Programs: Implement pilot programs to test policy efficacy on a smaller scale before widespread
rollout.
Adaptive and Iterative Policy Cycles:
I. Regular Review and Evaluation: Establish mechanisms for systematic and periodic review and evaluation of existing policies to identify weaknesses and unintended consequences.
II. Flexibility and Responsiveness: Design policies with built-in flexibility to adapt to changing circumstances and incorporate lessons learned from evaluation.
III. Sunset Clauses: Consider including sunset clauses for certain policies, requiring them to be re-evaluated and re-approved after a set period, preventing outdated policies from lingering.
Ensuring Policy Coherence and Integration:
I. Cross-Sectoral Collaboration: Encourage collaboration and coordination across different government ministries and departments to ensure policies are not contradictory and work in synergy.
II. Long-Term Planning: Develop long-term national visions and strategic plans that guide policy development across different sectors and political cycles.
Effective Implementation and Resource Allocation:
I. Capacity Building: Invest in training and professional development for civil servants and implementing agencies to ensure they have the skills and resources to execute policies effectively.
II. Adequate Funding: Ensure that policies are adequately funded, with clear budget allocations and mechanisms for tracking expenditure.
III. Monitoring and Feedback Loops: Establish robust monitoring
systems to track policy implementation progress and create feedback loops for adjustments.
The Role of Civil Society and Citizens
Active Citizenship:
I. Informed Engagement: Citizens must actively seek out reliable information, critically assess political claims, and engage in informed discussions.
II. Advocacy and Pressure: Organise and advocate for policy changes, hold elected officials accountable through public pressure, and participate in civic movements.
III. Community Building: Strengthen local communities to address problems at the grassroots level, often demonstrating practical solutions that can inspire policy changes.
Independent Media:
I. Watchdog Role: A free and independent media is crucial for holding power accountable, investigating corruption, and informing the public about policy impacts.
II. Fact-Checking: Support and engage with fact-checking initiatives to combat misinformation and disinformation.
Think Tanks and Academia:
I. Policy Research: Conduct independent research and analysis to provide evidence-based recommendations for policy reform.
II. Public Discourse: Contribute to public discourse by disseminating research findings and engaging in constructive debate.
The journey away from broken policies and bad politics is arduous, but it is essential for the well-being of any society. It requires a collective commitment to democratic values, ethical governance, continuous learning, and active participation from all segments of society
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.
JUDGMENT OF THE HON’BLE APEX COURT IN BHUSHAN STEEL–A SHOCK OR A VOLCANIC ACTIVITY – PART I
The judgment of the Hon’ble Supreme Court delivered by Justice Bela M Trivedi on 02 May 2025 just before her Ladyship’s retirement in the case of Kalyani Transco Vs Bhushan Power and Steel Limited reported in 2025 SCC Online SC 1010 has caused a shock, while some would argue has caused a serious seismic activity. Having practiced in the field of Bankruptcy laws, I would believe that the judgment is also a plain speak on the functioning of the judicial system and the need for its reform. In my view, one cannot turn a blind eye to these observations, if one does intend to improve the system. The fact that the Hon’ble Supreme Court has ordered status quo on the liquidation
It is also a matter of coincidence that the Hon’ble Rajasthan High Court in the case of Umakant Shar-
ma Vs State of Rajasthan & Others (SB Civil Writ Petition No 840/2025) in its judgment dated 27.05.2025 has made a pertinent observation which merits consideration even in the case of Tribunals/ Regulatory bodies that are tasked with the responsibilities of deciding matters that have serious repercussions especially where public interest is involved. The Hon’ble High Court was pleased to hold as under which is duly extracted:
“Before parting with this order, this Court is constrained to observe and take a judicial notice that in Revenue Courts the Presiding Officers are posted from the Administrative Services, who typically do not possess any legal background as they neither have studied law nor have undergone formal legal training. They have not gone through the procedural laws, such as the Civil Proce-
dure Code, the Indian Evidence Act, or local statutes like the Rajasthan Tenancy Act, the Rajasthan Land Revenue Act, and other related land laws and Rules. As a result thereof, they are not well-versed with the procedures that must be followed, while adjudicating revenue suits pending before the Revenue courts. On many occasions, this Court has noticed that the Revenue Courts and their Appellate Courts commit procedural mistakes in deciding the suits and appeals, without following the mandatory provisions contained under the CPC. Suits are decided by the Revenue Courts without framing the issues, without recording the evidence of the parties in the litigation and the appeals are decided by the Appellate Courts without forming the points for determination. The practical process is openly flouted by these Courts on account of lack
The Revenue Courts and the Appellate Revenue Courts are considered to be performing quasi-judicial functions as they handle matters that are not strictly judicial but require a degree of fairness and objectivity in decision making, much like the Judicial Courts do.
of knowledge about the procedure laid down under the law. The Revenue Courts and the Appellate Revenue Courts are considered to be performing quasi-judicial functions as they handle matters that are not strictly judicial but require a degree of fairness and objectivity in decision making, much like the Judicial Courts do. The Revenue Courts and the Appellate Revenue Courts act as a bridge between the administrative and the judicial functions, applying the principles of fairness and justice to a specific set of matters related to land revenue, etc. Moving on, the judgment also causes one to reflects on the need for serious structural reform and institutional recalibration in the Insolvency & Bankruptcy Code, 2016 (“the Code”). The case of Bhushan steel which was touted as a celebrated case study of revival, has now turned into a case study of how to defeat revival on account apparently on account of lack of fidelity by the various stakeholders and perhaps judicial overreach. The Hon’ble Supreme Court took strong exception to the conduct of the Hon’ble NCLAT in deciding matters and granting immunity in respect of matters that fall under the realm of public law, for instance, matters under the Prevention of Money Laundering Act, 2002. The growing tendency of Tribunals/ Appellate Tribunals exceeding their jurisdiction has sadly become a disturbing trend. This view was also recently resonated by the Hon’ble Kerala High Court in the case Deputy Commissioner (Works Contract), Kerala State Goods and Services Tax Department Vs.
National Company Law Tribunal and Ors. (MANU/KE/0884/2024), where the Court was pleased to hold as under:
“This Court finds the impugned order passed by the National Company Law Tribunal, Kochi Bench, as preposterous and untenable. The Company Law Tribunal has no power and authority under the IBC to declare an assessment order as void ab initio and non est in law. Such an order only reflects the competence of the persons who are manning such an important Tribunal. The Order shows the lack of basic understanding of the law. Instead of considering the application by the 2nd respondent for permission to file an appeal against the assessment order, the National Company Law Tribunal, Kochi Bench, has assumed the jurisdiction of the Constitutional Court to declare the assessment order as void ab initio.”
LACK OF ARCHITECTURE IN ENSURING TIMEBOUND
IMPLEMENTATION OF APPROVED RESOLUTION PLANS
Moving further, while one may argue that ordering liquidation was perhaps harsh, one cannot lose sight of the fact that the Code clearly lacks a statutory architecture to ensure timebound implementation of approved resolution plans. This anomaly stands reiterated in Para 82 of the judgment, which reads as follows:
“Thus, it is quite clear that merely because the Code is silent with regard to the phase of implementation of the Resolution Plan by the Successful Resolution Applicant, neither the Tribunal nor the Courts should give excessive
leeway to the Successful Resolution Applicant to act in flagrant violation of the terms of the Resolution Plan or in a lackadaisical manner. In the instant case, SRA/JSW did not implement the Resolution Plan for about two years since its approval by the NCLAT, though there was no legal impediment in implementing the same. Such flagrant violation of the terms of the Resolution Plan, has frustrated the very object and purpose of the Code. It is needless to say that the Resolution Plan, after its approval by the Adjudicating Authority i.e. NCLT under Section 31, is binding not only to the Corporate Debtor, its employees, members, creditors and the Government authorities but also to all the stakeholders including the successful Resolution Applicant itself. It may be noted that any contravention of the terms of the approved Resolution Plan, by any person on whom such plan is binding under Section 31, is liable to be prosecuted and punished under sub-section (3) of Section 74 of the IBC. It is also further required to be noted that in view of Section 33, where the Adjudicating Authority, before the expiry of the insolvency resolution process period or the maximum period permitted for completion of corporate insolvency resolution process under Section 12, does not receive a Resolution Plan under Sub-section (6) of Section 30; or rejects the Resolution Plan under Section 31 for the non-compliance of the requirements specified therein, it has to pass an order requiring the Corporate Debtor to be liquidated in the manner as laid down in Chapter III of the IBC
Virat as a test player was a phenomenon in itself. He always came across as someone who loved to take the bull by its horn. When he led the Indian test team, he encouraged his teammates to instil fear in the opposition by means of their on field performance.
BEYOND THE LEGENDSINDIAN TEST CRICKET AFTER KOHLI AND ROHIT
The legends have called it quits. Rohit Sharma and Virat Kohli, the unassuming superstars of Indian and World cricket, have hung up their boots from their most favoured format of the game. Both are legends in their own right and have earned the respect and the adulation of the cricketing world over the years with their on field performances. I believe they hold every right to leave the game at their own will.
Questions will be asked though on the timing of the retirement, as the Indian team were about to be announced for the all important England tour. Some might say that it was ideal for Rohit and Kohli to retire as their recent past few performances have not been up to the mark while some are of the opinion that they had much more to offer to test cricket. At the end of it all, I firmly believe that they themselves would know better. It goes without saying that they would have put the interest of the team first before they took that decision.
Rohit has been a scintillating player and more of a revelation ever since he took over the captaincy of
the Indian outfit. Be it in any format of the game, he changed the way how the game was perceived and played. The whole outlook of the team changed, whereby he encouraged his team mates to always put the team's interest ahead of any personal laurels. He was leading from the front and walking the talk more often than not. I have been a great fan of this bloke ever since he set foot onto the Indian cricketing scene and will surely miss seeing him in whites. He believes that he has still some unfinished business in the ODI scene and that augurs well for our chances in the next world cup. I believe that Indian Test cricket will however sorely miss Rohit the captain much more than Rohit, the player.
While Rohit's retirement from test cricket was on expected lines and didn't surprise too many, Virat walking away from his hugely loved format surprised many. Virat as a test player was a phenomenon in itself. He always came across as someone who loved to take the bull by its horn. When he led the Indian test team, he encouraged his teammates to instil fear in the opposition
by means of their on field performance. The famous win at Lords in 2021, where he encouraged his bowlers to create hell for the batters for a session and half is still afresh in everyone's mind. His larger than life persona and his on field antics were more than enough to send a shiver down the spine even among the most intimidating Aussies and the English. When the going gets tough, the tough gets going. Whenever he was pointed fingers at, he would always have his bat do the talking. He always played the game on his own terms. Virat is easily one of the most fittest cricketers going around even today and also was instrumental in revamping the fitness culture in Indian cricket. I believe that Virat had much more to offer in whites. He will be missed in more ways than one. Now that he has walked away from Test cricket, I guess the famous RO - KO partnership will help us clinch the next edition of ODI title as both are keen on continuing in the ODI format.
For the moment, we can all stand up and applaud and celebrate their achievements and contributions to Indian Test Cricket and for inspiring
Anup V Menon Sports Analyst and Knowledge Partner
the next generation of youngsters to take up the game.
With big shoes to fill in and a change of guard at the helm, the Indian test team is treading a new path with the addition of some interesting new faces in the team. New challenges bring in new opportunities and Gambhir and Gill have their task cut out and will have plenty to work upon as they embark on their first assignment together in England marking the beginning of the new WTC cycle. India are set to play a five test match series as part of the schedule.
The bowling unit looks settled as our talisman Bumrah is back after a second surgery to his back. Our chances in England depends on
how far does Bumrah's back hold up for the entirety of the series. I believe the Indian think tank are taking it slowly and not rushing in to preserve the services of the national treasure of Indian cricket. Gill being appointed as the captain points to that. Bumrah would have been the obvious choice to lead otherwise.
The batting unit gets a major revamp as Rohit and Kohli bid adieu to Test cricket. It's upon the likes of Rahul, Jaiswal, Gill and Pant to shoulder the responsibility along with some new faces like Sai Sudarshan, Abhimanyu Easwar and the hugely talented Karun Nair who makes his way back into the Indian team.
The No fear cricket mindset,
which was instilled into this Indian team by the likes of Ganguly, Kohli and then Rohit over the years has to be the mantra on which Gambhir and Gill rebuild this new look Indian team as they aim to march ahead in this most important phase of transition in Indian Cricket. The upcoming England tour will define the character of our young team as they set out to express themselves in the biggest stage of cricket.
The legacy that RO - KO has built over the years need to be nurtured, nourished and reinforced as we move into the new phase of Indian Test cricket. Onwards and upwards. Let the journey begin.
Until next time - Adios Amigos!!!
CA Sreejith Kuniyil Founder, PravasiTax Solutions Pvt Ltd
A major drawback of a Joint Will is its limited flexibility, particularly after one partner's death. The Will becomes irrevocable upon the death of one partner which also reduces the surviving partner's ability to exercise control over the estate.
IS A JOINT WILL RIGHT FOR YOU?
Many clients come to us wanting to write a Joint Will because all their assets are in joint names and they believe a Joint Will is the most natural next step.
“Why bother with two Wills when we own everything together? It’s easier this way, right?” they ask.
On the surface, the idea of a single document to reflect a shared life seems logical - and even emotionally satisfying. But when it comes to succession planning, simplicity on paper can sometimes lead to complexity in practice.
What is a Joint Will?
A Joint Will is a unified document created by two individuals, typically spouses, outlining how their assets should be distributed after their death. In most cases, it states that the surviving spouse will inherit everything, and after their passing, the remaining assets will pass to specified beneficiaries, usually children.
A key feature of a Joint Will is that it is a binding agreement between the husband and wife, implying neither of them can alter the Will without the other's approval
while both are alive and more importantly, once a partner passes away, the surviving spouse is locked into its terms and cannot change the terms. Hence, the choice to create a Joint Will should be made with careful consideration of its limitations and the potential effects on the surviving partner's ability to adjust to future changes.
Why some couples consider a Joint Will
A few advantages that may attract couples to write a Joint Will are:
1. Simplified Planning and Documentation - Joint Wills combine the succession planning process into a single document for both parties. This approach can be beneficial for couples sharing the same interests for asset distribution, as it eliminates the need to create and manage separate Wills.
2. Mutual Decisions UpheldWith Joint Wills there is a certainty that both partners' wishes will be honoured after one of them passes away as the terms cannot be altered after one spouse passes away.
3. Cost Effective - Creating a Joint Will is more cost-effective than
drafting separate Wills, saving on both the initial creation of the Will and potentially reducing legal costs during estate administration.
4. Protection for the Surviving Spouse - A Joint Will protects the surviving spouse, ensuring they have the necessary resources and assets to live comfortably before the estate is distributed according to the further terms of the Will.
What are the Disadvantages of a Joint Will?
Here's why you should think twice before choosing a Joint Will:
1. Limited Flexibility / Control for the Surviving Partner - A major drawback of a Joint Will is its limited flexibility, particularly after one partner's death. The Will becomes irrevocable upon the death of one partner which also reduces the surviving partner's ability to exercise control over the estate. This can be problematic as it prevents the surviving partner from modifying it to reflect changes in circumstances, relationships, or preferences such as remarriage, new dependents, altered financial plans, make fair provision for children from previous relationships etc.
Joint Will can add complexity to the estate administration process, as the Will must address the distribution of assets after both individuals have passed away. It may result in legal challenges if Will’s terms become outdated or if there are unclear instructions regarding asset distribution.
2. Risk of Future Conflicts - A Joint Will is aimed at reducing disputes by clearly outlining both partners' wishes, but it can sometimes cause conflicts among beneficiaries, specifically if circumstances change after the death of the first partner.
3. Complications in Estate Administration - Joint Will can add complexity to the estate administration process, as the Will must address the distribution of assets after both individuals have passed away. It may result in legal challenges if Will’s terms become outdated or if there are unclear instructions regarding asset distribution.
4. Delays in Asset Distribution
- A Joint Will typically specifies asset distribution only after both partners have passed away, and it can cause delays in distributing assets to beneficiaries.
Final
Thoughts
A Joint Will may be suitable for couples who:
• Have fully aligned and unchanging wishes regarding asset distribution.
• Share a simple, jointly-owned estate.
• Want to ensure mutual decisions are legally locked in.
• Do not foresee remarriage,
relocation, new dependents or change in financial plans.
• Prefer simplicity over flexibility.
However, before making a decision on whether a Joint Will is suitable for you or not, careful consideration of many factors including your estate planning needs, goals, and the potential impact it has on your estate's future management and distribution, is recommended. Do consult with experts to receive insights into whether a Joint Will is the best choice for your situation or if alternative succession planning tools might better serve your needs
Rajiv Ambat is a well-known speaker and author of the best-selling book - 'The Midriff Crisis' and a lifestyle expert. Under the guidance of Rajiv, his team at SOLVEMyHealth helps their clients manage sleep disorders, apart from dealing with male sexual health conditions. At NuvoVivo, his team specialises in managing various lifestyle disorders of their clients through structured and scientific diet and exercise protocols customised for each individual.
STUB IT OUT AND CLEAR THE AIR!
Every year on May 31st, the world observes World No Tobacco Day, led by the World Health Organization (WHO). The goal is to raise awareness about the serious health risks of tobacco use and push for stronger policies to reduce its impact. Thanks to the efforts of such health organisations, NGOs and government bodies, today, people are more aware of the wide-ranging health impacts of tobacco use and smoking, such as cancer, heart disease, COPD and emphysema.
However, tobacco consumption continues to be one of the leading causes of preventable diseases and deaths globally, affecting millions worldwide. Further, there are also lesser-known but equally grave consequences of tobacco that affect mental health, skin, and overall wellbeing. Many individuals also grapple with the challenges of quitting tobacco, facing not only the physical addiction but also the psychological struggles that come along with it.
Along with the health burden, tobacco usage also causes a huge financial burden on the society and country at large. The economic cost of smoking is huge and includes the medical costs associated with the diseases and also the lost productivity.
Why is tobacco bad for health?
Tobacco is consumed in various
forms. The most common method of tobacco use is of course smoking, which includes cigarettes, cigars, bidi, pipes, and hookahs. Smokeless tobacco forms are also common - such as chewing tobacco, snuff, gutka, khaini, snus etc. Additionally, electronic nicotine delivery systems (ENDS), including e-cigarettes, vape pens, mods, and pod systems, have gained popularity recently as alternatives to traditional smoking. All forms of tobacco use are associated with severe health risks, including cancers, respiratory diseases, cardiovascular diseases, and oral health issues.
Tobacco contains a variety of toxic chemicals that significantly contribute to its harmful effects on health. Notably, it includes nicotine, which is the primary addictive component in tobacco, leading to dependence and making it difficult for users to quit. Nicotine affects the nervous system, increases heart rate and constricts the blood vessels (vasoconstrictor). As the blood vessel constricts and reduces its diameter, the pressure of the blood inside increases leading to hypertension (high BP) and associated complications. Cigarette smoke also contains ammonia, which enhances the absorption of nicotine thereby worsening its addiction.
Further, the tar from the cigarette smoke contains many cancer causing agents that can accumulate
in the lungs and cause lung cancer. For example - apart from nicotine and ammonia, cigarette smoke also contains formaldehyde and acrolein which are well-known carcinogens and respiratory irritants. Tobacco smoke also contains benzene, a Group 1 carcinogen as per the International Agency for Research on Cancer (IARC) that can cause severe oxidative stress and damage the bone marrow, leading to a decrease in red blood cells (anemia), white blood cells (leukopenia), and platelets (thrombocytopenia).
The list of cancer-causing components in tobacco goes on - hydrogen cyanide, nitrosamines, polycyclic aromatic hydrocarbons (PAHs), toluene, acetaldehyde, and heavy metals such as cadmium, lead, and arsenic are all highly dangerous to various organs including lung, heart, kidney, bones, and the nervous system. Yet another toxic by-product of tobacco smoke is carbon monoxide, a gas that reduces our body’s oxygen-carrying capacity and increases the risk of heart diseases.
Not just smoking, even chewing tobacco also poses significant risks to health - especially oral health. Apart from oral cancer, it can cause inflammation of the gums (periodontitis), tooth decay, oral lesions, altered sense of taste and smell and reduced ability to enjoy food and detect odours.
Are e-cigarettes (vaping) a
less risky option?
E-cigarettes work by heating a liquid often called e-liquid or vape juice that contains nicotine, flavourings, and other chemicals. This creates an aerosol that looks like vapour, which the user inhales. This process is known as vaping.
For smokers who are unable to quit, vaping may be a slightly better alternative to traditional cigarettes because it usually contains fewer harmful chemicals and carcinogens. However, this does not mean vaping is safe. It still carries serious health risks, especially for young people.
Many teenagers and young adults mistakenly believe that vaping is harmless, and this misunderstanding has led to a rise in vaping among youth. In reality, most e-cigarettes contain nicotine, which is highly addictive. Regular use can affect brain development in teenagers and young adults, especially areas linked to attention, learning, and mood regulation. The nicotine in the e-cigarettes can also cause severe damage to nerves and blood vessels and lead to many chronic health conditions. It also harms the heart and lungs, and increases the risk of cardiovascular issues and lung inflammation. Some vaping products have even been linked to serious lung injuries.
In short, while vaping might be less harmful than smoking for current smokers, it is NOT SAFE, particularly for non-smokers and young people. It should not be seen as a risk-free habit.
Steps to Successfully Quit Tobacco
There is no single right way to quit tobacco. However, here are some steps that one can follow to achieve that goal. Whether trying to quit smoking or chewing tobacco, the first step is to decide to quit. This decision must come from a personal commitment; reflect on the reasons for quitting, such as concerns about health, financial savings, and improved quality of life. Write down these reasons in a book or a diary; it will be a powerful reminder and motivation throughout the quitting process.
The next step is to set a specific ‘Quit-Day’. Do not choose a day
within the next 3 or 4 days, as the chances of failure are very high - especially if you have been a smoker for several years. This is important, to manage the withdrawal symptoms that can be psychologically very daunting. At the same time do not choose a quit-date more than a month away to ensure you remain committed, without procrastinating. Mark this date on your calendar (possibly with a red ink pen) and inform some of your close friends, family, and colleagues about your plan. Start by removing all tobacco products from your environment and stocking up on substitutes like sugarless gum, carrot sticks, pickled radish etc. Seeking professional help if required, in terms of therapy support.
Practice delaying the urge to use tobacco and thus cut down on the number of cigarettes or the amount of smokeless tobacco used daily. Identify the triggers that prompt cravings and find coping mechanisms. For example, the urge to smoke immediately after a meal is a very common trigger for many. Chewing gum immediately after meals to change the taste in the
mouth or taking a short walk can perhaps distract from that urge. Being around friends or colleagues who smoke can be yet another trigger. Inform them about your decision to quit and request their whole-hearted support. Choose smoke-free environments or no-smoking zones for socialising or when taking a quick break from work.
As you reach the quit day, refrain from using tobacco entirely and keep busy with activities that distract from cravings. Stay hydrated, avoid alcohol, and change your routine to break the association with tobacco use. Practice deep breathing, drinking water, and engaging in different activities to overcome strong urges. A comprehensive approach, combining planning, support, and behaviour modification, can all help to successfully quit tobacco.
Avoiding Rationalisation
To overcome urges or cravings, it is important to recognise and acknowledge rationalisations as they arise. Rationalisations are deceptive thoughts that may seem plausible at the moment but are not grounded in reality. Entertaining such thoughts,
even briefly, can serve as a justification for using tobacco.
"This is the last one I will smoke", "I will quit tomorrow", "Air pollution is more harmful than smoking", "My uncle used to smoke all his life and he lived past 90", "I need tobacco to wade through this rough patch", etc. are some examples of rationalising thoughts.
Rationalisations can be dangerous and can fail you in your No-Tobacco journey. It is helpful to document these rationalisations as they surface and acknowledge them for what they are - i.e. tempting thoughts that lead one back to smoking or chewing tobacco.
Managing Tobacco Withdrawal
Withdrawal from tobacco occurs when the body, having become dependent on nicotine, experiences a range of physical and psychological symptoms upon stopping its use. This dependency develops due to nicotine's actions on the brain's reward pathways (mesolimbic pathway) associated with pleasure and reinforcement.
When we consume tobacco, nicotine binds to nicotinic acetylcholine receptors, triggering the release of neurotransmitters like dopamine, which creates feelings of pleasure and reinforces tobacco use behaviour. Over time, the brain adapts to this regular nicotine intake by reducing the number or sensitivity of receptors, requiring more nicotine to achieve the same effects.
When tobacco use is stopped suddenly, nicotine levels plummet, leaving these receptors unoccupied and resulting in withdrawal symptoms as the body seeks to restore balance. Common withdrawal symptoms include intense nicotine cravings, irritability, mood swings, difficulty concentrating, increased appetite, sleep disturbances, physical discomfort, anxiety and even depression. These symptoms arise due to the neurotransmitter imbalances caused by the sudden absence of nicotine.
As dopamine levels decrease, individuals may experience heightened feelings of irritability and depression along with impaired cogni-
tive functions, sleep patterns, and appetite regulation. Reducing and managing withdrawal from tobacco involves a combination of strategies to address both the physical and psychological aspects of dependence.
Using Nicotine Replacement Therapy (NRT) products such as nicotine patches, gum, lozenges, nasal sprays, or inhalers can help reduce withdrawal symptoms by providing a controlled dose of nicotine. The dosage of NRT must be tapered down gradually to facilitate the weaning process and reduce dependence. Certain medications, such as bupropion and varenicline, can help reduce cravings and withdrawal symptoms by changing the brain chemistry. However, these medications should be used only under the guidance of a medical doctor. Your doctor may prescribe these medicines only if there is a severe nicotine dependence after proper diagnosis.
Seeking support through counselling can also help in emotional support, coping strategies, and en-
couragement throughout the quitting process. Behavioural therapies can help to identify triggers, develop coping skills, and reinforce positive behaviours to stay away from tobacco.
Adopting a healthy lifestyle with regular physical activity, a balanced diet, adequate hydration, and sufficient sleep can help manage withdrawal symptoms apart from improving overall well-being.
As the world observes World No Tobacco Day, we should reflect on the impact of tobacco use on individual health and well-being, and the families it has broken. Despite widespread awareness of its harmful effects, tobacco consumption continues to be a menace that requires a multifaceted approach to tackle. This includes stronger public policies, better access to therapy and support, ongoing education, and lifestyle interventions. Real change happens not just through laws and regulations, but by helping people make informed and healthier choices - one step at a time
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.
Productive emotional connection in relationships depends on how you express your feelings. Common emotional challenges at work include suppressing anger or frustration during conflicts, feeling undervalued or overlooked, jealousy or competitiveness, nxiety due to deadlines or performance reviews, emotional exhaustion or disengagement etc.
FROM REACTION TO CONNECTION!
Emotions are the invisible threads that weave the fabric of our relationships. When understood and used consciously, they become powerful tools for connection, growth, and intimacy. But when ignored, suppressed, or misunderstood, they can lead to recurring conflicts, misunderstandings, and emotional distance. Emotional literacy is the ability to recognize, label, and understand your emotions and those of others. Most people have a limited emotional vocabulary—often defaulting to “happy,” “sad,” “angry,” or “stressed.” But emotions are far more nuanced. Most emotional reactions are not random—they are often triggered by past experiences, unmet needs, or deep fears. These emotional patterns often stem from childhood wounds, family dynamics, or earlier relationship traumas.
One of the most difficult challenges we face in our day-to-day transactions is to connect with our real genuine emotions within. Emotions shape our daily experiences, and deeply impact our professional
and personal lives. It strongly influences our decisions and affect how we interact with others, and our relationships with others at work and home. For many of us, we are not thoroughly aware about our own emotions; it’s either suppressed, misunderstood or allowed to be controlled in unhealthy ways. Learning to connect with our emotions productively is a matter of personal well-being. We can discover effective tools from emotional intelligence, mindfulness, psychology and communication strategies that can help us understand, navigate and use emotions constructively across different domains of life.
Productive emotional connection in relationships depends on how you express your feelings. Common emotional challenges at work include suppressing anger or frustration during conflicts, feeling undervalued or overlooked, jealousy or competitiveness, anxiety due to deadlines or performance reviews, emotional exhaustion or disengagement etc. Even though workplace is considered a space for logic, emotions cata-
lyse motivation, teamwork, creativity and leadership. Avoiding or ignoring them can lead to poor communication, passive aggression, burnout, arguments and toxic environments. Empathy does not mean emotional absorption. If a colleague vents or offloads, you can be compassionate while maintaining boundaries: “I hear that you’re overwhelmed. Let’s see how we can break this down into manageable parts together.” If you’re in a leadership role, model emotional intelligence, hold space for feedback, recognise team members’ contributions, normalize mental health days, offer emotional literacy training. Emotionally healthy teams are more engaged, innovative and resilient. Try to embrace vulnerability with courage. Contrary to popular belief, vulnerability is not weakness— it’s the glue of human connection. Sharing your fears, hopes, or even admitting mistakes opens the door for deeper connection. When someone shares emotions, resist the urge to solve. Instead, reflect on what the person is trying to convey. This validates the emotion without need-
ing to “fix” it. When emotions are high, take a pause before responding. “I’m feeling really overwhelmed right now. Can we revisit this in a bit when I’ve had time to process?” This respects both parties' emotions and avoids escalation.
A mature emotional life means recognizing that your emotions are your responsibility. Your partner may trigger feelings, but they don’t “make” you feel a certain way. By taking ownership of your emotional landscape, you empower yourself and reduce blame in the relationship. Share your inner world, not just your day. Let yourself be seen— your struggles, your joys, your fears. Hold space for your partner’s emotions without fixing or judging. Being emotionally available creates a safe emotional container where both partners can grow, evolve, and feel deeply understood.
Social situations—from friendships to community gatherings—often involve layers of cultural, generational, and personality-based emotional norms. Navigating them effectively requires attunement and adaptability. Common challenges include feeling excluded or anxious in groups, misreading emotional cues, managing group dynamics (e.g., envy, comparison, peer pressure), balancing authenticity with social expectations etc. Focus on connection, not impression. Be curious rather than self-conscious. “How’s your heart today?” is a deeper opener than “What do you do?” Active listening is a superpower. Make eye contact, nod, and reflect back
what’s said. This makes people feel seen and safe. Practice compassionate listening. Some people are expressive, others reserved. Respect people’s comfort zones without pushing emotional intimacy where it’s not welcome. Honour emotional differences and handle group emotions gracefully. If tension arises in a group, try to ground the space, Being a calm center in social storms makes you a trusted presence. Humour can defuse tension, but avoid using it to deflect real emotions. Emotional maturity is knowing when to lighten up and when to lean in.
Triggers are emotional reactions that seem disproportionate to the current moment. They are often rooted in past wounds. Rather than avoiding or suppressing triggers: Ask: “What does this emotion remind me of?”. Journal about the situation and your inner child’s voice. Practice shadow work—confronting the hidden parts of yourself with compassion. When you work through your emotional triggers, you create space to respond rather than react. A key part of productive emotional connection is knowing where you end and others begin. Boundaries are not walls—they are bridges with gates.
• Emotional boundaries: “I can be with your sadness without absorbing it.”
• Time boundaries: “I’m happy to talk, but I need 15 minutes first to decompress.”
• Relational boundaries: “I won’t tolerate being yelled at, even
when you’re upset.”
Boundaries allow your emotions to remain clear and sustainable, rather than overwhelmed and confused. Sometimes, emotional processing feels too big to handle alone. That’s not weakness—that’s wisdom. Seeking support is productive. You don’t have to carry your emotions alone to be strong. Therapists can help you navigate trauma, anxiety, and emotional patterns. Support groups offer community healing. Friends and mentors can mirror your growth and affirm your truth.
Productively connecting with your emotions is not about being happy all the time or avoiding “negative” feelings. It’s about building an inner relationship that is honest, compassionate, and wise. When you master your emotions, you don't suppress them—you listen, understand, and channel them into deeper connection, stronger boundaries, better decisions, and richer experiences. In the workplace, this looks like assertiveness, collaboration, and emotional resilience. In your personal life, it looks like intimacy, empathy, and authenticity. In social spaces, it looks like grace, presence, and attunement. Emotions are not distractions— they are guides. The more productively you connect with them, the more empowered, connected, and human you become. Emotions are gifts—sometimes messy, sometimes painful, but always meaningful - it’s a path to becoming more fully and compassionately human
Mr. Adeeb K T
Chief Manager, Corporate & Institutional Credit, Leading Public Sector Bank
Master’s in Business Law – NLSIU, Bengaluru
CAIIB & Certified Credit Professional – IIBF
Executive Management Program – IIM Lucknow
Corporate Strategy & Business Leadership – IIM Indore
ESG GUIDELINES AND WAY FORWARD FOR INDIAN CORPORATES
Environmental, Social, and Governance (ESG) criteria serve as a framework for assessing a company's sustainability and ethical practices across three essential dimensions: environmental stewardship, social responsibility, and governance integrity. As global environmental and social challenges intensify, investors and stakeholders increasingly demand that businesses adopt responsible practices, making the effective integration of ESG principles vital for enduring success. Indian businesses are becoming acutely aware of the reputational risks associated with insufficient ESG performance. In response to evaluations by international rating agencies regarding these risks, Indian firms are motivated to enhance their sustainability efforts, progressing beyond simple compliance to align themselves with global sustainability objectives.
Sustainability Reporting in India: A Chronology of Regulations
2009:The Ministry of Corporate Affairs (MCA) introduces the “Voluntary Guidelines on Corporate Social Responsibility.”
2011: The MCA releases the “National Voluntary Guidelines
(NVGs) on Social, Environmental and Economic Responsibilities of Business 2011,” establishing a reporting framework.
2012: The Securities and Exchange Board of India (SEBI) mandates that the top 100 listed companies by market capitalization submit a Business Responsibility Report (BRR).
2016: The BRR filing requirement is extended to cover the top 500 listed companies.
2017: A SEBI circular recommends voluntary adoption of integrated reporting by the top 500 companies beginning FY2018.
March 2019: The updated NVGs are issued as the “National Guidelines for Responsible Business Conduct.”
December 2019: SEBI expands BRR requirements to the top 1000 listed companies starting in 2020.
2021: The Business Responsibility and Sustainability Reporting (BRSR) framework is introduced for the top 1000 companies, transitioning from voluntary to mandatory status in FY2023.
2023: SEBI unveils BRSR Core, which will apply to the top 150 listed companies from FY2024 onwards. SEBI’s 2023 ESG Report-
ing Guidelines: The BRSR Format
In July 2023, SEBI introduced an updated ESG reporting format based on the BRSR framework, first established in May 2021, which supplanted the previous BRR reporting structure. While the BRSR provides a comprehensive outline for companies to report a broad spectrum of ESG initiatives, the BRSR Core refines this focus, emphasising the most pertinent ESG metrics to enhance comparability and relevance for stakeholders, particularly investors. This reporting framework mandates that the largest 1000 listed Indian companies disclose their ESG performance in a standardised, quantitative manner, effective from FY 2022-23. The transition to BRSR responds to the mounting demand from investors and stakeholders for consistent sustainability reporting that aligns with global standards. Notably, while the BRR framework was voluntary, adherence to BRSR is compulsory and is anticipated to bolster investor confidence, improve transparency, and align Indian companies with international ESG criteria.
Key Elements of BRSR
The BRSR/ESG reporting frame-
work is constructed upon nine principles aligned with the National Voluntary Guidelines on Social, Environmental, and Economic Responsibilities of Business released by the MCA:
1. Conduct and govern with integrity in a manner that is ethical, transparent, and accountable.
2. Provide goods and services sustainably and safely.
3. Honour and promote the wellbeing of all employees, including those within the supply chain.
4. Respect stakeholder interests and remain responsive to their concerns.
5. Uphold and protect human rights.
6. Make concerted efforts to safeguard and restore the environment.
7. Engage in public and regulatory policy influence responsibly and transparently.
8. Foster inclusive growth and equitable development.
9. Interact with and deliver value to consumers responsibly. Each principle is supplemented with indicators categorised into mandatory essential indicators and voluntary leadership indicators. Formats for BRSR Disclo-
sures
The MCA has introduced two formats for BRSR disclosures:
1. BRSR Comprehensive: This format is obligatory for entities required to report their ESG performance.
2. BRSR Lite: This simplified version is designed for non-obligated entities lacking prior sustainability reporting experience. Both formats are structured into three key sections:
1. General disclosures: Basic company information, including products, services, operations, subsidiaries, and employee count.
2. Management and process disclosures: Insights into business policies and processes that align with the National Guidelines on Responsible Business Conduct (NGBRC) principles.
3. Principle-wise performance disclosures: A detailed account of the company’s performance relative to the nine NGBRC principles. New ESG Metrics under BRSR Core
The BRSR Core mandates companies to disclose comprehensive information regarding various facets of their value chains, represent-
ing at least 75 percent of their sales and purchases. Companies are also required to provide data on environmental impacts, encompassing greenhouse gas emissions, water and energy consumption, and waste management, alongside details concerning biodiversity preservation efforts. Furthermore, social parameters such as employee welfare, diversity, community engagement, and fair dealings with customers and suppliers must also be addressed. Governance practices including board structure, executive remuneration, and conflict of interest management are critical elements of the report.
Compliance Timelines for BRSR
SEBI has established a structured compliance timeline for the BRSR Core, making it obligatory for the top 1,000 listed companies to submit their BRSR reports alongside their annual reports by the 2026-2027 fiscal period, set to roll out progressively: 2023-2024:Top 150 listed companies by market capitalisation. 2024-2025:Top 250 listed companies by market capitalisation. 2026-2027:Top 500 listed companies by market capitalisation.
Neglecting responsible environmental practices can lead to reputational harm and financial repercussions, while subpar ESG performance may expose boards to allegations of greenwashing, impairing their attractiveness to investors
These firms will also be required to share their reports with SEBI-certified ESG rating service providers for evaluation. Indian Corporate Sector’s Growing Interest in ESG Adoption
The influence of institutional investors and global ESG trends is prompting Indian companies to embrace ESG norms and practices actively. Adherence to international ESG frameworks, such as the Sustainable Development Goals (SDGs) and UN Principles for Responsible Investment (PRI), is becoming essential for attracting foreign investors. Indian entities increasingly recognise that robust ESG performance enhances their appeal to international capital markets, crucial for obtaining foreign investments.
Among large Indian companies regarding sustainability, with 75 percent having established sustainability goals and 84 percent voluntarily disclosing their targets. Fifty percent of large firms have successfully integrated ESG into their business strategies, contrasting sharply with small and mediumsized enterprises (SMEs), where only 29 percent have set clear sustainability objectives.
Large firms reported comprehensive integration of ESG strategies within their operations, while SMEs still have room for growth. Nearly half of the surveyed companies established dedicated ESG teams, marking the institutionalisation of ESG practices.
As data plays a pivotal role in
transactions, ensuring compliance with industry and regulatory standards is vital for maintaining capital market trust. The evolving focus on ESG presents businesses with opportunities to enhance their data protection and crisis management frameworks. Neglecting responsible environmental practices can lead to reputational harm and financial repercussions, while subpar ESG performance may expose boards to allegations of greenwashing, impairing their attractiveness to investors.
The governance dimension of ESG is particularly vital in a landscape filled with uncertainties. Companies that adopt robust governance practices such as independent board oversight, transparent decision-making, and effective risk management are better positioned to foster stakeholder trust and achieve enduring sustainability. A 2023 EY study indicates that 90 percent of global investors regard ESG performance as a crucial indicator of long-term business resilience, underscoring the necessity for organizations to prioritise ESG compliance at the board level. Firms must embed ESG into their fundamental business strategies, ensuring alignment with corporate governance and ethical standards.
The Indian business landscape is constantly evolving, and new ESG trends are emerging. One of the most significant trends is social impact investing. Companies are increasingly investing in projects that have a positive impact on society, such as education, healthcare,
and rural development. Social impact investing is gaining popularity in India, with several impact investment funds being set up to support these projects
India's regulatory push towards ESG compliance reflects its commitment to sustainable economic development and investor protection. However, challenges such as lack of uniform ESG metrics, regulatory gaps, and corporate resistance persist. Addressing these issues through policy refinement, stakeholder collaboration, and capacity building is crucial for India to align with global ESG best practices and ensure long-term corporate sustainability.
Conclusion
As the integration of ESG into India’s corporate landscape continues to evolve, the focus on social and governance facets is likely to intensify, with businesses striving to cultivate trust among stakeholders, including investors and partners. Regulatory trends suggest that the Indian government will progressively mandate compliance with ESG reporting standards. It would be prudent for companies to proactively embrace ESG reporting practices, thereby positioning themselves favourably to engage with environmentally conscious markets, such as the EU, and navigate international capital markets effectively. Additionally, companies interacting directly with consumers can amplify their reputational value as carbon footprint concerns gain prominence due to climate change effects
What Your Skin Really Needs From Dawn to Dusk
Taking care of your skin isn’t just about using the right products—it’s also about using them at the right time. Just like your body follows a daily rhythm, so does your skin. What your skin needs in the morning is very different from what it craves at night. That’s why having two separate routines—one for the day and one for the evening—can make a big difference. Whether you’re a skincare beginner or someone looking to fine-tune your routine, understanding the purpose behind morning and night care can help you get that healthy, glowing skin you’re aiming for. While it may seem convenient to use the same products morning and night, tailoring your routine to suit the time of day ensures your skin gets the right support when it needs it most.
Morning Routine: Prep and Protect
In the morning, your skincare routine should focus on preparation and protection. After a night of rest, your skin needs to be cleansed of any oils, sweat, or residue that may have built up overnight. A gentle cleanser is enough to refresh the skin and prepare it for the day ahead. The goal is to hydrate, energise, and create a barrier against environmental stressors such as sun exposure, pollution, and dirt. This is the time to use products that
Dr. Elizabath Chacko, MD-Kalpana International
contain antioxidants like vitamin C, which help to protect the skin from free radical damage and brighten the complexion. One of the most essential steps in the morning is applying sunscreen. Regardless of the weather or whether you plan to stay indoors, UV rays can still penetrate through windows and harm your skin. A broad-spectrum SPF helps to prevent premature aging, dark spots, and other sunrelated damage.
Night Routine: Cleanse and Repair
As the day comes to a close, your skin enters repair mode. Nighttime skincare routines should focus on cleansing thoroughly and nourishing the skin with ingredients that promote recovery. After a long day, your face collects layers of sweat, makeup, sunscreen, and pollutants. This is why a more thorough cleanse is important in the evening, often using a two-step method to ensure all impurities are removed. Once clean, your skin is ready to absorb active treatments more effectively. Night is the ideal time to apply products with ingredients like retinol, peptides, or exfoliating acids, as these work best when not exposed to sunlight and when your skin is naturally renewing itself. These ingredients help with issues like acne, fine lines, uneven texture, and pigmentation. Night creams or richer
moisturisers are also beneficial during this time, as they lock in hydration and support the skin’s overnight healing process.
Understanding the Key Differences
The key difference between morning and night routines lies in their purpose. Morning routines aim to shield and energise the skin, while nighttime care focuses on regeneration and deep nourishment. Even if you keep the number of products mini -
mal, understanding this distinction helps you choose the right ingredients for the right time. This doesn't mean you need an elaborate 10-step regimen twice a day. What matters most is consistency and using the right products at the right time.
Aligning with Your Skin’s Natural Rhythm
At the end of the day—literally—your skin needs different kinds of care depending on the time. A good morning routine
sets the tone by protecting your skin from the day’s stress, while a solid night routine helps it rest, repair, and bounce back. You don’t need a long list of products to see results; just a few wellchosen steps that match your skin’s natural rhythm can make a big difference. By understanding and embracing the changes between morning and night skincare, you’ll be on your way to healthier, happier skin that glows around the clock
EXPERIENCE THE MONSOON MAGIC IN COORG
With its verdant hills, coffee plantations, quaint houses,tantalising cuisine, Kodagu is home to the valiant and comely Kodavas, who are fiercely proud of their language, traditions and family honour
Although monsoons are not typically associated with travel and adventure, there is a growing tribe of people who love to pack their bags and head for a scenic place, preferably in the hills to soak in the rain for a wet and’ misty adventure. Feeling tempted to enjoy the rain, be it drizzle or downpour, in a mist-covered hilly destination complete with myriad attractions, which include those of the scenic as well as gastronomic kind? Think no further as Kodagu aka Coorg is the place you are looking for. This
pocket-friendly, picture postcard destination is perched on the eastern slopes of the Western Ghats in Karnataka. With its verdant hills, coffee plantations, quaint houses, tantalising cuisine, this district is home to the valiant and comely Kodavas, who are fiercely proud of their language, traditions and family honour.
Madikeri, more commonly known by its colonial-era moniker Mercara, is the capital and it is the ideal place to stay given its plethora of homestays and hotels that suit every budget. The town is a
three-hour drive from Mysuru and 90 minutes from Kannur International Airport in nearby Kerala. It is ideal to opt for a homestay in a traditional house in a lush green coffee estate. You can begin your Kodagu vacation by visiting the famous spots in and around this scenic town, which was once home to the Haleri kings who ruled over this region from the 17th century onwards.
One of the most iconic spots in the town is the centuries-old fort. Located right in the middle of the town, this well-preserved fort was
R L Morris
built by Muddu Raja in the latter half of the 17th century while declaring Madikeri as the new capital. Later, the fort passed hands and its possession came to rest with Tippu Sultan before it was taken over by the British. Here you can find artefacts of a bygone era as well as portraits that point to its colourful past. Today, this structure houses the office of Madikeri’s Deputy Commissioner.
After the tryst with history, it is time to rest in the company of blooms and greenery. Head for Raja’s Seat, a must-visit garden right in the town itself and enjoy the flowers and the artificial fountains. It is said that this scenic place was frequented by the kings and their consorts in the evening to take in the undulated view of the mountains and the setting sun. Don’t forget to fish out your smartphones to click some amazing selfies for Instagram.
After a hearty lunch of Kodava delicacies such as akki roti (flatbread made from rice flour) and kakkada nyend curry—a delicacy prepared from soft-shelled mud crabs during monsoon—rice and koottu curry comprising vegetables, head for Abbey Falls. This waterfalls is one
of the most visited tourist spots in Kodagu. Just a short drive away, this falls offers the beautiful sight of the Kaveri River cascading 70 ft over the rocks. What makes it stunning is the fact that it is placed within private coffee plantations, offering stunning vistas. There is also a hanging bridge for photoshoots. However, swimming or bathing is not allowed here.
Before calling it a day, hire a cab to visit Talakaveri, the birthplace of the Kaveri, which is sacred to Kodavas. Almost 50 kilometres away from Madikeri, this place is located in the Brahmagiri Hills that snuggles close to Kasaragod district of Kerala. The misty trip through the verdant hills is a sight to behold. A solemn atmosphere embraces Talakaveri where you can see a small temple on the hill and its adjoining kundike or tank, which is believed to be the point of origin of this mighty river. It originates as a spring to feed this pond before going underground to emerge as a river a few kilometres away. The drizzle and the mist lend a surreal feel that takes visitors to another realm.
Have an early dinner and retire to wake up early for the adrenaline-
driven trip to the highest peak in Coorg—Tadiandamol. Situated at a height of 1,748 metres above sea level, this mountain is home to shola forests which wrap it in green and its peak is shrouded with mist. The mountain, which is located 43 km away from Madikeri, is the preferred destination for trekkers and nature lovers. Breathe the crisp and cool air and revel in the majesty of Nature. If you are bold enough, put on your trekking shoes and go all the way to the summit.
For those spiritually inclined, a visit to the Padi Igguthappa Temple at the base of the mountain will be an exhilarating experience. Resembling traditional temples in nearby Kerala, this shrine is dedicated to Igguthappa, the protector of Kodavas and a folk deity. He is believed to be one of the seven siblings who decided to settle down in Kodagu and become its guardian. This temple’s origins date back to the 12th century AD although the present structure was built by King Lingarajendra in 1810. Kodavas flock here seeking Igguthappa’s blessings to fulfill their wishes. The annual Huthari festival sees huge crowds at this shrine.
You can wind up your trip with a visit to the Nalaknad Palace in Yavakapadi. Bearing a resemblance to palaces in Kerala, this royal residence was built in 1792 by Dodda Virarajendra after he managed to escape from Tipu Sultan’s army. The palace also provided sanctuary to King Chikaveerarajendra after the British emerged on the scene. The roof and walls boast intricate carvings and paintings making it worth visiting. Another notable feature of the palace is the presence of an eye-catching kalyana mandapa where weddings were conducted in the bygone era. The palace also has a tunnel, which is believed to go all the way to Madikeri.
You can call it a day with a hearty Kodava dinner comprising traditional lip-smacking dishes such as pandi curry—the signature pork dish of the region comprising succulent morsels of meat and lard swimming in a dark spicy and tangy gravy. It goes well with kadumputtu or steamed rice dumplings. Do not forget to dip your akki roti into piping hot baimbale (bamboo shoot) curry and savour the flavours of mustard seeds, chillies and garlic that leave you craving for more. Another must-try is kummu (wild mushroom) curry which occupies pride of place on the dining table during monsoon.
Tidbits: Known for their valour and never-say-die attitude, the Kodavas have been permitted to keep arms without a licence from the days of the British. If you are lucky enough to be invited to a Kodava function, make sure to see the men dressed in kuppya chele— black knee-length coat, silk sash and headgear—brandishing their rifles and firing shot after shots into the air. There is a tradition that the Kodavas originated from the troops of Alexander the Great who preferred not to return and instead migrated down south and settled down in the cool confines of the Western Ghats.
How to Reach: The nearest railway station is in Mysuru, which is 95 km away while Kannur International Airport is roughly the same distance
Maaman
Maaman is a heart-warming family drama that beautifully captures the emotional complexities of relationships, love, and misunderstandings. Soori shines in a touching role as Inba, effortlessly portraying a man torn between his deep love for his sister’s family and his responsibilities as a husband. Aishwarya Lekshmi brings grace and strength to Rekha, making her struggles and emotions feel deeply relatable. The story unfolds with a perfect mix of humour, warmth, and conflict, especially through the character of Laddu, whose innocent mischief and bond with Inba lie at the heart of the film. The emotional ups and downs, from laughter to tears, are woven together with sincerity and heart. Maaman is a wholesome celebration of family, reconciliation, and the power of understanding, leaving audiences with a smile and a lump in the throat. It's a film that touches the soul and lingers long after it ends.
Bhool Chuk Maaf
Bhool
Chuk Maaf is a delightful blend of romance, humour, and a touch of magical chaos. Set in the vibrant streets of Varanasi, the film charms with its unique premise of love caught in a time loop. Rajkummar Rao delivers a heartfelt and hilarious performance as Ranjan, a man desperate to marry the love of his life, only to relive the same day over and over. Wamiqa Gabbi is effortlessly lovable as Titli, unaware of the bizarre reality her fiancé is stuck in. Their chemistry is warm and endearing, making the emotional beats land just as strongly as the comic ones. Seema Pahwa adds another layer of warmth with her spirited role as Ranjan’s mother. The film is a feel-good ride that keeps you smiling, even as it explores the confusion and longing of love trapped in repetition. A thoroughly enjoyable experience.
Final Destination Bloodlines
Final
Destination : Bloodlines delivers a chilling and clever return to the franchise’s roots while carving out a fresh legacy of its own. The film weaves together past and present with a gripping narrative that keeps you on edge throughout. Kaitlyn Santa Juana brings depth and vulnerability to Stefani, whose journey from disbelief to desperate determination is compelling to watch. The stakes feel higher than ever as the story explores generational curses and the inescapable grip of fate. Each suspenseful moment builds toward a shocking and emotional climax that will stay with viewers long after the credits roll. The film skillfully honours the series’ tradition of elaborate, deadly chain reactions while introducing new lore that expands the universe. With its blend of emotional weight, thrilling suspense, and darkly imaginative twists, Bloodlines is a welcome and worthy addition to the Final Destination saga.
Ace
Ace is a refreshingly entertaining film that blends romance, crime, and comedy with great flair. Vijay Sethupathi delivers a standout performance as Kannan, effortlessly portraying a man caught between dreams and danger. Rukmini Vasanth is impressive as Rukku, offering a graceful and strong presence that complements the story beautifully. The film’s setting in Malaysia adds an exciting layer to the narrative, and the chemistry between the characters feels natural and engaging. Yogi Babu’s comedic timing brings plenty of laughs, while B. S. Avinash and Babloo Prithiveeraj bring tension and intrigue. With its fast-paced storytelling, sharp dialogues, and emotional depth, Ace manages to be both thrilling and heart-warming. Arumuga Kumar’s direction ensures the film never loses its momentum, making Ace a thoroughly enjoyable watch that offers something for everyone—romance, suspense, humour, and action in equal measure
The Tenant
FAuthor : Freida McFadden
Price : `414 (Hardcover)
reida McFadden’s The Tenant is a gripping psychological thriller that pulls you in from the first page and never lets go. With her trademark suspenseful style, McFadden crafts a story full of eerie tension and unexpected twists. The protagonist, Blake Porter, is both relatable and complex, making his descent into paranoia feel disturbingly real. Whitney, the seemingly perfect tenant, is written with just the right amount of charm and menace to keep readers questioning her motives throughout. The unsettling atmosphere—strange smells, noises, and the shift in Blake’s reality—is vividly portrayed, building dread in every chapter. McFadden’s pacing is flawless, keeping the tension high while slowly peeling back layers of mystery. This is a chilling, page-turning read that masterfully explores how trust can be twisted and how danger can lurk behind the most ordinary doors. Fans of domestic thrillers will be thoroughly hooked.
Author : Dani Francis
Price : `680 (Paperback)
DSilver Elite
ani Francis’s Silver Elite is a thrilling blend of dystopian grit and sizzling romance that grips from the first page. Wren Darlington is a fierce, complex heroine whose psychic powers and inner conflict make her journey both compelling and emotionally charged. The world-building is rich and immersive, presenting a high-stakes environment where every choice could mean death. The tension between Wren and Cross Redden crackles with intensity, adding a delicious layer of forbidden romance to the fast-paced plot. Francis masterfully balances action, espionage, and heart, creating a story that’s as smart as it is addictive. Themes of survival, identity, and rebellion are woven seamlessly into the narrative, making each twist hit harder. Perfect for fans of enemies-to-lovers arcs and strong female leads, Silver Elite is a standout start to a series you won’t want to put down.
The Missing Half
Author : Ashley Flowers
Price : `1,800 (Hardcover)
Ashley Flowers delivers another gripping triumph with The Missing Half, a haunting and emotionally charged mystery that hooks readers from the first page. With raw vulnerability and unflinching honesty, Nic Monroe is a protagonist you can't help but root for, even as she navigates the darkness left behind by her sister’s unexplained disappearance. Flowers expertly weaves together the lives of two women bound by trauma, slowly unravelling the secrets that tie their pasts. The atmosphere is chilling yet intimate, as each clue draws Nic and Jenna deeper into a web of long-buried truths. Flowers' signature storytelling—sharp, immersive, and deeply human—shines through, blending heartache, suspense, and resilience into a powerful narrative. Perfect for fans of true crime and emotionally driven mysteries, The Missing Half is a deeply compelling page-turner that explores loss, sisterhood, and the fragile hope that never dies.
Author : Fredrik Backman
Price : ` 2,322 (Hardcover)
My Friends
Fredrik Backman’s My Friends is a tender, beautifully layered novel that captures the quiet power of connection, memory, and the unseen miracles of everyday life. With his trademark warmth and wit, Backman weaves a deeply human story through Louisa’s journey to uncover the truth behind a mysterious painting and the lives it immortalizes. The narrative flows between past and present with grace, revealing the unspoken pain and unexpected hope shared by a group of misfit teens and the young woman determined to honour their legacy. Each character is delicately drawn, their struggles and bonds achingly real. Through art, friendship, and the healing passage of time, My Friends explores how belief in someone can echo across decades. This is Backman at his most soulful—heart-breaking, wise, and ultimately uplifting. A quietly powerful novel that lingers long after the last page.
