Modi Launches E-Market For Farm Produce; Terms It 'Turning Point'

NEW DELHI: Prime Minister Narendra Modi on Thursday launched an e-trading platform for agricultural products, terming it a "turning point" to ensure transparency in buying and selling of farmers' produce across the country.

The Internet-based e-NAM (National Agriculture Market) is aimed at integrating 'mandis' to help both farmers and buyers by providing them data of produce available, its quality and the price being offered at the bidding markets.

"This is a turning point for the agriculture community. The agriculture sector has to be looked at holistically, and it is only then that maximum benefit of the farmer can be ensured," said Modi, addressing a gathering of farmers at Vigyan Bhawan here on the occasion.

He said that the e-trading platform will help farmers and buyers access a huge market and help them to decide for themselves by providing choices.

"It's (e-NAM) a very big possibility. This is for the time that the farmers will be able to decide where, when and on what price they want to sell their produce," Modi said amid cheers from the audience.

Initially 21 mandis from eight states have been linked to the NAM and as he pressed a button, all 21 logged in to the portal.

The government plans to link 200 mandis to the portal within five months and 585 by March 2018.

Modi also emphasised that farmers' income can be doubled only by applying scientific methods.

Giving example of a child, who would not be benefited if bathed in a bucket of milk but would grow faster if fed in small quantities by a spoon, he said that that flood irrigation was a "thing of past" and new techniques of drip irrigation were to be adopted in the 21st century.

He also urged farmers to get their soil tested and then farm accordingly.

Speaking on the occasion, union Agriculture and Farmers Welfare Minister Radha Mohan Singh said that the government was working hard for the welfare of the farmers and launch of eNAM is a step in this direction.

Communications and Information Technology Minister Ravi Shankar Prasad said it was a "day of change" that will empower farmers.

Minister of State for Agriculture and Farmers Welfare Mohan Bhai Kundaria and Sanjeev Kumar Balyan, Cabinet Secretary Pradeep Kumar Sinha and Agriculture Secretary Shobhana Patnaik were also present on the occasion.

Dynamic pricing: How consumer internet companies change prices in real time with sophisticated algorithms

Complex though that it might sound, the concept of dynamic pricing has been around for years in the offline market

Ever alighted from a swanky new car to buy fruits from the vendor at a market and discovered that you are paying a premium compared to someone who arrived on foot? If so, you were given a glimpse of what is known as 'dynamic pricing,' a craft when the street-vendor practices it and nearly an art form when it is determined by complex computer algorithms.

Let us suppose friends are reacting to a group message that says "Let's plan a trip to Ladakh in July." They all log in to their digital devices to check airfares, only to realise that rates fluctuated by a few thousands rupees each time a new search was made for flights. What was happening to the excited friends was that an algorithm detected a spike in incoming requests for a particular flight, causing air fares to rise. In industry parlance, this is 'price optimisation' or the determination of fare based on real-time demand.

Almost every product or service you buy online is subject to dynamic pricing, and understanding how it works is important to make smart spending decisions. For companies, too, it is smart to price dynamically because it helps them adjust to the vagaries of demand and supply.

"There is a misperception that dynamic pricing is an exploitative pricing mechanism," says Kartik Hosanagar, a professor of technology and digital business at The Wharton School, University of Pennsylvania, explaining that the fact that supply and demand are not always perfectly balanced justifies resort to dynamic pricing.

Demand and supply, actually, are just two of the variables that go into determining price, as we saw in the case of the eager friends who were headed to Ladakh. In the case of travel industry, apart from demand and supply, events such as festivals or holidays, time of day and occupancy are also factors that can cause a change in fares, says Sanjay Mohan, the chief technology officer of travel site Makemytrip, which is listed on the Nasdaq.

While occupancy is a major factor determining fare in travel, the number of buses or flights operating on the route are also considered. For instance, if there is only one flight scheduled at 8 am across airlines, it is priced higher. But if another airline schedules a flight at, say, 8.30 am, capacity is doubled and competitive pricing kicks in, says Ankur Bhatia, a director at travel software provider Amadeus India.

Also in the travel industry, it's imperative to have a vigilant dynamic pricing model in place since it deals with "perishable inventory," meaning if a plane flies an empty seat there is no way to recover the cost of the seat.

Complex though that it might sound, the concept of dynamic pricing has been around for years in the offline market. The auto driver you approach to take you to your home at 6 pm asks for an "extra Rs 20," blaming it on traffic. The fruit vendor round the corner who sells strawberries throughout the year raises the price of the fruit by a few hundred rupees in off-season. You also pay a premium for passport- size pictures that you get printed urgently.

With services migrating to online platforms, pricing them dynamically is now done using sophisticated algorithms that list out an optimum price by considering more variables that an individual can possibly include. For instance, online classifieds portal Quikr uses one such algorithm to determine, say, the ideal price at which to list that old car for sale. It helps sellers decide what it calls the 'maximum selling price' using an algorithm that takes into account active listings as well as historical data and comparing these with attributes of the product, such as the model's current price and year of manufacture.

"Delivery time, weather, market conditions are some factors that trigger an alert to change prices in ecommerce," says Madhusudhan Rao, the head of India operations at Boomerang Commerce, a startup that helps retailers integrate dynamic pricing solutions.

For cab-hailing apps such as Ola and Uber that work on an on-demand model, ensuring that there is always a cab available on request requires dynamic pricing to fulfil demand by providing supply. To do so, they resort to 'surge pricing,' which has two effects: people who can wait for a ride often decide to wait until the price falls; and drivers who are nearby go to that neighbourhood to make an extra buck. As supply increases, or demand falls, prices head back to the normal equilibrium.

"For the duration that surge price is active, the algorithm reads demand data every five minutes and updates the multiplier effect that determines fare," an Uber representative said.

A product that is a runaway hit can also command prices, as in the case of the hard-boiled candy, Pulse, that Noidabased DS Group launched last year. It became so popular that local kiosks were asking consumers to pay a 50% premium to buy it.

While this might be a classic example of skewed demand and supply spiking product price, there are also sly tricks by some online commerce platforms which are not shy of discriminatory pricing. In what is termed by industry experts as a shrewd way of targeting the well-off, some of them quote prices depending on the devices from which the requests emanate.

So, if you are checking from the latest iPhone, you could end up paying more than a buyer who uses an old desktop.

It's not all bad for the customer. Have you ever noticed price variations in the same products on an online shopping portal?

An algorithm makes it possible. It cross-references features of products, matches common attributes, compares price and triggers an alert if a similar product is charged at a different price on a competitor's platform. A rule set in the algorithm decides whether the price of the product needs to be changed to match the competitor's price. This means that if a seller lowers the price of a popular product online, its competitor is highly likely to do so, too.

So while the friends planning their trip to Ladakh learned their lesson and booked their tickets through one device in a single attempt, they also put their learning to use by buying their winter wear at lower price in summer.

Jobless for over 2 months? Get your full EPF out till April 30 else wait till you turn 58

Hitherto, a member of EPFO could withdraw 100% of the accumulated corpus if unemployed for a period of 2 months or more.

EPFO rules restricting withdrawal of employees' provident fund will come into force after April 30. This means that in case you are unemployed for 2 months or more and want to withdraw your full EPF you can do so only within the next 15 days. After that the withdrawal amount will be restricted and you will be able to get the full amount only when you turn 58.

On Feb 10, 2016, the ministry of labour and employment made sweeping changes in the EPF rules restricting the withdrawal of EPF corpus.

Hitherto, a member of EPFO could withdraw 100% of the accumulated corpus if unemployed for a period of 2 months or more. The accumulated corpus is a sum of employer's contribution, employee's contribution and the interest earned on them. Of course, the person needs to have accumulated some EPF in a previous employment to have a corpus to withdraw at all.

However, the new EPF rules have restricted the amount of withdrawal that a member can make. Under the new rule, a member after being unemployed for 2 months or more can withdraw only his own contribution and the interest earned on it. He can't withdraw the corpus generated from the employer's contribution along with the interest earned on it. A member in the Employees Provident Fund Organisation (EPFO) can withdraw the full Employee Provident Fund (EPF) corpus only after attaining the age of 58 years. So, if you are jobless for 2 months or more and wish to withdraw the full EPF corpus, you just have 15 days to get it out.

The government has deferred the implementation of the new rule till April 30, 2016. From May 1, till 58 years of age you can withdraw only your own contribution in EPF which equals 12% of your basic salary plus the interest if unemployed for 2 months or more. The employer's contribution plus the interest accumulated will be withdrawable only once you attain the age of 58 years.

We consider a hypothetical scenario wherein a person after being employed for 20 years becomes jobless in the month of Jan, 2016. Assuming his basic salary as Rs 25000 per month for the whole period his own contribution in EPF would be Rs 3000 per month. If he contributes for 20 years, his own contribution of Rs 7.20 lakh (12%*25000*12*20) will yield him a corpus of ​approximately Rs 19 lakh which includes the interest on his contribution. What's more, the employer's contribution of Rs 4.20 lakh will grow to Rs 11.50 lakh approximately which includes the interest component too. In this case, we have assumed an interest rate of 9% per annum compounded yearly for the whole period. As he became jobless in Jan, he is unemployed for a period of more than 2 months as on date.

Under the current rule, if he withdraws his EPF corpus before May 1, then he can withdraw the full corpus of Rs 30.5 lakh. However, if he doesn't withdraw before May 1, he can take out his own contribution and interest of Rs 19 lakh even after this date provided he remains jobless. However, the remaining Rs 11.50 lakh can be withdrawn only after he reaches the age of 58 years. You can however, withdraw 90% of the employer's contribution plus interest at the age of 57 years. Importantly, the erstwhile rule of zero interest on inoperative accounts was quashed from April 1. Hence the employer's contribution lying idle in the EPF account till the age of 58 years will continue to earn interest.

Therefore, if you are jobless for 2 months or more and have liquidity concerns, try to settle the EPF account before May 1. If you withdraw you can get the full accumulated EPF corpus (includes your own contribution, employer's contribution and the interest earned) which will assist you in tiding over problems faced due to unemployment in a better way.

What is Unified Payment Interface (UPI)?

RBI launches UPI; money transfer now as simple as a text message

With the Unified Payment Interface, the customer will need only one app, instead of multiple ones. And she won’t have to reveal her bank details either. So, is it as hassle-free as it is hyped up to be? Read on.

The Reserve Bank of India launched the Unified Payment Interface today. Through this interface, it aims to make money transfers easier and hassle-free. As the name says it all, it will be a unified, go-to-place for transactions.

What is Unified Payment Interface (UPI)? It is a payment system that will allow you to use a mobile phone to make money transfers. A virtual debit card, if you will.
How can you make payments?
For starters, the customer needs to have a bank account to make payments. That done, she will need to download an app on her smartphone. She can start making payments. It is as simple as sending a text message.
How is it different from the apps that banks provide?
Every bank requires you to download its app. So, if you have two bank accounts, you will find yourself needing two apps on your smartphone. But, with this interface, the customer needs to dowloand only one app. The UPI interface will network all the banks together and make it possible for the customer to make her transactions using a single app.
Is it safe?
Very much so. The customer will be given a virtual ID and won’t have to disclose her bank details. Of course, she will have to authenticate her ID with a password.
Are there different kinds of IDs?
If it is an overseas transaction, you will be allowed to use your mobile or Aadhaar numbers as your ID. For local purposes, a virtual address will do.
How does it work?
If you buy a product from Flipkart using your smartphone, you will have to give your virtual address, and the company or merchant will request money from it. Once you key in your username and password – without having to go into your bank details – the transaction will have been made.

Unified payment interface a step towards a cashless economy

National Payments Corp of India’s endeavour is expected to make e-commerce transactions easier, will facilitate micropayments and person-to-person payments

RBI governor Raghuram Rajan says improved payment infra, along with the launch of differentiated banking models such as payment banks are part of a revolution in Indian banking. Photo: Bloomberg

Mumbai: India moved a step closer towards becoming a cashless economy with the launch of National Payments Corporation of India’s (NPCI’s) unified payment interface (UPI) on Monday.
UPI, which is expected to make e-commerce transactions easier, will also facilitate micropayments and person-to-person payments.
The system will allow customers to instantaneously transfer funds across different banks with the use of a single identifier which will act as a virtual address and eliminate the need to exchange sensitive information such as bank account numbers during a financial transaction.
As a start, 19 banks have partnered with NPCI, an umbrella organization for all retail payments systems, to offer services based on UPI.
UPI is one of many innovations taking place in the financial sector that will benefit the customer, said Reserve Bank of India governor Raghuram Rajan.
The introduction of UPI, in particular, is expected to have a significant impact on the ease of retail payments at a time when mobile banking is picking up.

In the September-December quarter, the value of mobile banking transactions surged 82% over the same period the previous year.
“There is collaboration in this revolution but there is also immense competition and the winner is the customer. We hope customer experience with developments like today’s improves tremendously and the ease of making payments, the ease of saving and the ease for buying financial products also improves tremendously,” said Rajan.
Rajan added that the improved payment infrastructure along with the launch of differentiated banking models such as payment banks are part of a “revolution” in Indian banking.
“What we have in India is the most sophisticated public payments infrastructure in the world. (But) It is not just the payments that are part of the revolution; it is a whole new set of banks that are coming in,” Rajan said at the launch of UPI.
The central bank granted in-principle approval to 11 payments banks and 10 small finance banks last year.
Payment banks will provide basic savings, deposit, payment and remittance services to people without access to the formal banking system. They will not be in the business of lending.
The small finance banks will offer basic banking services, accepting deposits and lending to unserved and underserved sections including small business units, small and marginal farmers, micro and small industries and entities in the unorganized sector.
The new banks and the initiatives of older private and state-owned banks have led to the revolution, Rajan said.
NPCI has been working on UPI since February 2015 under the guidance of Nandan Nilekani, co-founder of Infosys Ltd and former chairman of the Unique Identification Authority of India.
The new interface is built on the same infrastructure as the Immediate Payment Service (IMPS), which is currently used by banks for real-time transfer of cash. Though the transaction limit for IMPS is Rs.2 lakh per transaction, for UPI the limit has been set at Rs.1 lakh .
“Payments have evolved in different ways. You had a card system, mobile money, Internet e-wallets. But completely mobile interoperable person-to-person instant real time with push and pull really didn’t exist anywhere. So I think that is where this is a leapfrog,” Nilekani said at the launch.
Nilekani added that UPI takes the IMPS platform—on which about Rs.2.4 trillion of transactions are conducted annually—a step further. “IMPS did not have an easy debit capability. That is being addressed by this platform,” said Nilekani, adding that just as IMPS had scaled up quickly over the last five years and has nearly 50% share of the remittance market, UPI will soon become an important payment platform for all merchants.
With the platform going live, the onus now shifts to banks to market and communicate the benefits of using UPI to their customers. Over time, bankers see applications based on UPI becoming the norm.
“It is going to make small value payments more electronic. I think what UPI can do is bring next innovation such as e-payments on delivery,” said Chanda Kochhar, managing director and chief executive officer (CEO) of ICICI Bank Ltd. “I see this becoming really a preferred option for payment for both customers and the merchants.”
The real benefit of UPI will be in digitizing last-mile payments, said Sachin Bansal, co-founder, Flipkart.
“In a lot of ways, cash on delivery and wallets exists in the interim until we find the final version (of payments). We are hoping that UPI will solve the last-mile final gap and make our experience for users a magical one,” Bansal said.
Earlier this month, Flipkart acquired PhonePe Internet Pvt. Ltd, which is working on a UPI-based payments solution.
“PhonePe’s mission is to significantly improve the online and offline digital payments experience for millions of Indian customers. We are really excited to merge with Flipkart and get access to one of the largest consumer bases in the country, which will allow us to realize our vision at a much larger scale,” PhonePe CEO Sameer Nigam said on 1 April, when Flipkart announced it will buy the company.
“Payments has been one of the biggest hurdles for mass adoption of online shopping in India. UPI has the potential of transforming the entire payments ecosystem in the country,” Flipkart CEO Binny Bansal said on 1 April.
Shikha Sharma, managing director and CEO, Axis Bank Ltd, considers UPI the WhatsApp moment for payments in India.
“Just as Aadhaar has become the base for a lot of policy reform, I think UPI has the potential to dramatically change the payments landscape. The fact that you have a low-cost acquiring solution which is safe can dramatically propagate merchant acquiring across the country,” Sharma said.
The impact of UPI on electronic wallets is to be seen. Some people say it could mean the end for wallets—a transitory step between traditional payments mechanisms and a full-fledged digital one such as UPI—while others say it will simply make it easier to own and operate wallets.
Rajan sounded a note of caution as well and asked banking entities to improve grievance redressal systems and use technologies such as UPI to expand access to formal financial channels.
“Somewhere along this chain, a transaction may go wrong. We hope that happens rarely, but it could go wrong,” he warned, adding that NPCI should now work towards protecting the system from security breaches and fraudulent transactions.
Apart from this, the focus should also be towards bringing in those outside the payments universe and those without smartphones, added Rajan.

RBI to launch Unified Payment Interface on April 11

The Reserve Bank of India (RBI) April 11 will launch Unified Payment Interface (UPI), which will make money transfer as simple as sending a text message. In the first phase, which will start next week, 29 banks will operate the platform. It will be inter-operable across different banks and will allow instant payments.

RBI to launch Unified Payment Interface on April 11

The Reserve Bank of India (RBI) April 11 will launch Unified Payment Interface (UPI), which will make money transfer as simple as sending a text message. In the first phase, which will start next week, 29 banks will operate the platform. It will be inter-operable across different banks and will allow instant payments.

The Reserve Bank of India (RBI) April 11 will launch Unified Payment Interface (UPI), which will make money transfer as simple as sending a text message. In the first phase, which will start next week, 29 banks will operate the platform. It will be inter-operable across different banks and will allow instant payments.

This UPI method could change the micro-payment landscape in the country.

According to a report, 95 percent of consumer transactions in volume terms and 65 percent in value terms are in cash. This is much higher than the 40-50 percent transaction in volumes and 10-20% in value terms for advanced economies.

Therefore, the government and the Reserve Bank of India have been working on ways to reduce cash in the economy. Considering the number of smart phones in the country is estimated to go up from 150-200 million to 500 million, mobile money transfer is expected to get a boost.

Moreover, payments can be made by only knowing the mobile or Aadhaar number.

The platform will help eliminate the requirement of receiver's bank account, IFSC code

Mobile wallets beware, UPI is here

The demise of mobile wallets in India would be quite a shocker. What will happen to all the seamless payments to your taxi vendors and favourite sumptuous food deliveries?
The National Payment Corporation of India (NPCI), a primary body governing all retail payment systems in the country, may have some good news for you. Through launching their Unified Payments Interface (UPI), a customer is no longer required to give their personal credentials like account details, security pins.

On Saturday, NPCI also launched a hackathon for the developer community opening APIs to build on the UPI platform.

Demystifying the UPI

UPI with its mobile first payments design moves towards interoperable and instant payments. The interface allows customers to make payments through a single identifier like Aadhaar number or virtual address.
The core features will help understand the payment cycle.

1) It enables you to make payments using your mobile phone as the primary device for payments including person-to-person, person-to-businesses, and businesses-to-person with the ability to pay someone as well as ‘collect’ cash from someone.

2) The platform also allows you to use Aadhaar number, mobile number, and account number in a unified way, while not giving it away during the payment process. You could just create a ‘virtual payment addresses’ that are aliases to your bank accounts.

The virtual payment addresses doesn’t allow your security to be compromised when a certain merchant’s account is hacked, because their database will have only a list of virtual addresses. The payment addresses are denoted by ‘account@provider’ or userid@mypsp (i.e. tarush@icici).

Moreover, the platform also allows you to transfer funds using only Aadhaar number as your identifier, which really equips the rural demographic. Today, according to Nandan Nilekani, former Chairman UIDAI, there are 250 million Aadhaar payment bank accounts, making 1.2 billion transactions a year with around 77,000 micro ATMs in the country.

3) Another exciting feature is the ‘pay by’ date, which is made while making a collect request to others (person-to-person or entity-to-person), which allows payment requests to be ‘snoozed’ and paid later before expiry date without having to block the services.

4) It also allows multiple recurring payments similar to electronic cash payments (utilities, school fees, subscriptions, etc.) with a one-time secure authentication and rule based access. This could be useful for organisations while paying salaries.

5) UPI also equips Payment System Players (PSP), the banks in this case, through their mobile applications to allow paying from any account using any number of virtual addresses using credentials such as passwords, PINs, or biometrics (on mobile phone).

This means that one can create separate virtual addresses for separate tasks like bill payments, charity donations and be used as wallets with certain rules. For example, if a user donates to Akshay Patra every month, one can create a virtual address just with that.

6) UPI also makes the system fully interoperable across all payment system players without having silos and closed systems, making you transact from any bank.

Thus, with payment banks, newer PPIs, the platform has standardised the m-pin system for all banks, while combing the phone with it. However, all these entities need to be UPI compliant. Thus, you can now make payments if you’ve access to (single-identifiers) either – mobile numbers, Aadhaar authentication, and m-pin.

7) Lastly, the ability to make payments using 1-click 2-factor authentication all using just a personal phone without having any acquiring (swiping) devices or having any physical tokens.

Thus, if UPI is implemented it will work better on frictionless payments, without people having to transfer funds to wallets and being bound by rules. With better interoperability, UPI gives users the freedom to use their money, they want to without worrying them of security. Moreover, the ‘common library’ or landing page for payments as refered to NPCI is all in-app.  However, the features are also available on a website where a person can make a collection request.
Therefore, we foresee the extinction of an Indian mobile wallet.
Moreover,Nandan Nilekani, Chairman, Unique Identification Authority of India (UIDAI) and an Advisor to NPCI, believes that in order to create a massification system, one needs to reduce the on-boarding cost. Thus, in this case, UPI is a winner as only your mobile number needs to be registered with your UPI compliant bank. Further, he hopes that if RBI allows eKYC then users can open bank accounts too on the fly. 

Your Story take – Permutations and Combinations

It helps e-commerce players to seamlessly collect funds on Cash on Delivery, without risking customer’s account information. It also helps merchants tap customers without any cards. However, for customers it offers multiple utilities on cash on delivery, bill splitting, merchant payments, and remittances.
Moreover, UPI through offering a ‘collect’ feature, improves the entry barrier for startups and businesses, allowing even an individual to function as a businesses (by themselves) solving their problems of collecting money for services and products.
However, it could turn a little sour for wallet startups like Freecharge, Paytm, PayU, and Oxigen Wallet. This is because the regulations don’t allow wallet-to-wallet interoperability. For example, one cannot make transactions from a Mobikwik to a Paytm. This is applicable for semi-closed wallets like Vodafone’s m-pesa and Airtel Money. In order to operate on the platform, these startups might have to partner with the 15 odd banks that are partners with the platform. It doesn’t make things any easier for companies with payment bank licenses like Paytm since they don’t have their wallet registered under their payment bank.
While for Snapdeal it makes operations easier for e-commerce, for Freecharge (Snapdeal’s acquisition) it can make them vulnerable for an attack by new entrants working on the UPI platform. Freecharge Go did try to break the loop of interoperability by allowing customers to pay to all online merchants through a virtual prepaid card, however, the limitations of e-wallets exist.
Sharad Sharma, Co-founder, iSpirt, said during the launch “We need startups to realise that the existing infrastructure has not been given away. They can come onto the UPI platform through partnering with PSP banks. For wallets, this could be a beginning to build on a better platform dealing with the problem of cashless payments better.”
However, Karthik Vaidyanathan, Co-founder, Momoe, a mobile payments company, refutes saying that now for payment startups it becomes a sales process, where they have to pitch to partner banks. Moreover, with rights of APIs, even banks will take some time to figure out how they can leverage this technology.
But these partner banks to the UPI platform have their own wallets like SBI’s State Bank Buddy which now have suddenly got a boost of technology, giving them level field to compete with the private wallets.
Moreover, A. P. Hota gives hope that it is only a matter of months that wallets will also be included in the gamut of things by RBI. But we would say that why need a wallet in the first place.
Everything said, now with NPCI opening the API to developers for their hackathon it will be interesting to see how startups leverage the power of the platform.

The National Payments Corporation of India has launched the Unified Payment Interface (UPI), which experts say has the potential to revolutionise mobile payment system in the country.  NPCI is the umbrella organisation for all retail payment system in India.

The biggest benefit of Unified Payment Interface is that it will be a single app for accessing different bank accounts. And anyone using the interface for sending or receiving money from their mobile phones need not give their bank details to the other party.

Through UPI, a customer with a bank account is identified with an email-like virtual address.  The new platform also allows a customer to have multiple virtual addresses for multiple accounts in various banks.

For example, a customer can also decide to use his or her short name for the virtual address such as  XYZ@sbi or XYZ@icici. Since bank account details are not given in this virtual address, the customer can freely share the UPI financial address with others.

For example, if you want to receive or may payment through a particular bank account, you just have to give your virtual financial address (XYZ@sbi) to the other party. For making payment, once you authenticate the transaction through a secure PIN, the transaction it will be complete. You don't have to share your bank details.

The other benefits of this mobile payment mechanism include its round the clock availability and faster checkout.

The Unified Payment Interface is an advanced version of NPCI's Immediate Payment Service (IMPS) which is a 24X7 funds transfer service.

NPCI said 29 banks have agreed to join the platform.  Launching the new platform, RBI Governor Raghuram Rajan on Monday said that it will empower users to perform instant push and pull transactions seamlessly.

End of road likely for private two-wheelers in delivery business

Currently, most e-tailers and restaurants outsource deliveries to two-wheeler riders as it both speeds up the process and is cost-effective. 
CHENNAI/NEW DELHI: E-commerce companies and quick-service restaurants may soon have to put the brakes on last-mile deliveries through private two-wheelers with the government working on rules to regulate their use for commercial purposes.

Currently, most e-tailers and restaurants outsource deliveries to two-wheeler riders as it both speeds up the process and is cost-effective. In many cases, the delivery person owns the bike and gets paid a commission upon completion of the job. This is all set to change with the government planning a new categorisation called 'two wheeler goods vehicles'. These will be fitted with a box for carrying goods, according to a draft notification issued by the Union road transport ministry.

"Any motor vehicle used for commercial purposes should be treated as such regardless of the number of wheels. We are witnessing rampant misuse of the law by several firms that use private two-wheelers for commercial purposes. We are writing to the government as we need rules," said SP Singh, senior fellow and co-coordinator of Indian Foundation for Transport Research and Training, an independent body.

While there are a few rules for private vehicles, if classified as commercial, a different set of rules would kick in. Some of these include differentiated insurance tariffs, road taxes, mandatory periodical fitness certificates, driver badges, police verification. All this will push up cost of deliveries. TOI tried to contact firms like Flipkart, Amazon, Snapdeal, and Swiggy but emails and calls went unanswered.

The Union road transport ministry issued the draft rules on two-wheeler goods vehicles last November but the final notification is yet to come. "We are processing the suggestions and objections that we have received to the draft notification. The final notification will be out soon," said a transport ministry official.

The proposed norm specifies that the two-wheeler go- ods vehicles will have to be 550mm long and 510mm wide, while each box could carry a maximum weight of 30kg. This will prevent overloading, a common problem.

Insurers too are waiting for regulations. "We insure two-wheelers knowing fully well that they are used for pizza delivery. The Insurance Regulatory and Development Authority does not have any separate classification for commercial two wheelers," an insurer said.

Once the rules get notified, it will be left to the states to implement them. For instance, states like Karnataka oppose two-wheeler taxis while Haryana and Goa have allowed them.

Flipkart said to be in talks to buy payments start-up PhonePe

If the deal valued at $10-20 million goes through, it will be Flipkart’s third major acquisition in payments

Flipkart has been a laggard in payments. The e-commerce firm shut PayZippy in August 2014 after the product failed to sell to as many customers as the firm had expected. Photo: Hemant Mishra/Mint

Bengaluru: India’s largest e-commerce company Flipkart Ltd is in talks to buy a majority stake in PhonePe Internet Pvt. Ltd, a payments start-up started by three of its former senior executives, two people familiar with the matter said.

Mint couldn’t confirm the exact size of the proposed deal, but one of the two people cited above said the companies are negotiating an amount between $10 million and $20 million.

The deal is in advanced stages and is likely to be completed within the next 45 days, the two people said.

Flipkart didn’t respond to an email seeking comment. PhonePe didn’t respond to calls and messages on Thursday.

PhonePe was launched in December by Sameer Nigam and Rahul Chari, former senior leaders who recently left Flipkart, and Burzin Engineer, another former Flipkart executive.

“Our goal is to make digital payments so easy, safe and universally accepted that people never feel the need to carry cash or cards again. We believe India is at the cusp of a new mobile revolution, which will change the way we manage our money on the go. We see ourselves facilitating this change, by giving people and businesses the power to make commerce more simple, open and seamless,” according to a note on the company’s website.

Flipkart has been a laggard in payments. The Bengaluru-based company shut PayZippy in August 2014 after the product failed to sell to as many customers as the firm had expected.

If a deal goes through, PhonePe will be Flipkart’s third major acquisition in payments.

Flipkart bought payments start-up NGPay (Jigrahak Mobility Solutions Pvt. Ltd) in 2014, although no new payment technology or service has come out of that company so far. Last August, Flipkart also purchased FX Mart Pvt. Ltd, which owns a prepaid wallet licence. The company subsequently launched a mobile wallet called Flipkart Money earlier this month.

Payments is a key function in e-commerce. Yet, because of a combination of lack of focus by e-commerce companies, limited utility for shoppers, unreliable Internet connectivity and regulatory hurdles, payment solutions are currently used only to buy a very narrow range of products and services such as mobile recharges and cab rides. A majority of payments in India still happen via cash.

The current market leaders in payments are Paytm (run by One97 Communications Ltd) and Snapdeal-owned Freecharge followed by a host of smaller firms such as Oxigen Services India Pvt. Ltd and One MobiKwik Systems Pvt Ltd.

PhonePe hasn’t released a product yet but it is working on a payments solution based on the Unified Payments Interface (UPI), which is an initiative of the National Payments Corporation of India.

Some experts expect UPI to transform the payments business as it will allow the transfer of funds between banks with the help of a single identifier and facilitate instant payments through banks.

Nigam, Chari and Engineer previously founded digital content start-up Mallers Inc., which was bought by Flipkart in late 2011. Flipkart adopted Mallers’ technology to launch a digital music service called Flyte, but shut down the service in 2013 after Flyte struggled to generate enough demand.

Nigam and Chari, however, rose among the ranks quickly at Flipkart, performing roles across functions such as engineering, supply chain and marketing. Nigam was senior vice president, engineering, when he left Flipkart last August, while Chari was vice-president, supply chain, when he left in November.

Little bed bugs Home treatment for bedbugs - खटमल मारने की दवा

If You have bedbugs at your Home, Office, Hostel, Theatre, and your Bedbugs are not get killed then we have Natural Bed Bug Powder, which is useful to kill all your bedbugs at your place.

Cost is Rs.650 + Rs.99(Shipping) = Rs.749/- for 2 PACKETS

Contact - +91 7977130362

little bed bugs

You can also deposit amount in bank, you will get 2 packets in 7-8 days by courier.

• Bed Bug Powder can be used against bed bugs as an organic and natural pest control solution. It does not emanate any pungent smell and is safe for adults and kids at home.
• Overall, spread it and give it atleast a week to come in contact with all bed bugs and dry them up. You need to dust it liberally and leave it across areas where the pests move so its sharp crystals can cut their outer skin and dry them up. Insects will not die instantaneously, rather after coming in contact with the powder dust, they will have their outer shells cut and dry up over 48-72 hours. The dust should be spread acoss the infested areas and not accumulate at few places only.
• It is not a chemical insecticide that kills insects instantaneously. It is a natural pest control solution that has multiple uses and is effective across various exoskeletal pests. It works mechanically by cutting their body and eggs and prevents them from infesting your home. Since it works mechanically, pests cannot develop any resistance to it over time. You need to keep it dry and spread across target areas for 48-72 hours to see its effectiveness.

    



खटमल

खटमल मारने की दवा

खटमल भगाने के टोटके

खटमल कैसे मारे

खटमल भगाने का उपाय

खटमल क्या है

खटमल in english

खटमल से बचाव

ढेकुण मारण्यासाठी औषध

khatmal
khatmal in english
khatmal home treatment
khatmal insect
khatmal treatment
khatmal in hindi
bed bug medicine
medicine for bed bugs
khatmal killer
khatmal marne ki dawa
bed bugs medicine
khatmal ki dawa
anti bed bug spray
khatmal killer spray
khatmal se nijat
bed bugs spray india
khatmal home treatment in hindi
khatmal solution
home treatment for bedbugs
khatmal spray
bed bug spray india
khatmal ka ilaj
bed bugs spray name
khatmal english
medicine to kill bed bugs
khatmal treatment in hindi
khatmal in bed
bed bugs drugs
bed bug medication
how to kill bed bugs india
bed bug spary
khatmal marne ka totka
kill khatmal
best medicine for bed bugs
bed bugs medication
bed bugs spray bangalore
bed bugs spray in india
medicine for bed bugs in india
bed bugs spray in bangalore
bed bugs removal spray in india
bed bugs spray online
bed bugs killer medicine
bed bugs bangalore
eknazar dallas job
khatmal marne ka tarika
bed bugs india
bed bug spray in india
bed bug killer spray in india
english of khatmal
khatmal killer powder
best medicine to kill bed bugs
khatmal marne ki dawai
bed bugs in india
how to kill bed bugs in bangalore
bed bug spray bangalore
buy bed bug spray online india
bed bugs spray name in bangalore
spray for bed bugs india
pesticides for bed bugs in bangalore
spray to kill bed bugs india
khatmal nivaran
dheere dheere se lyrics
khatmal nivaaran
khatmal medicine
bed bugs killing medicine
bed bugs spray india online
bed bug spray online
khatmal se nijat ka totka
herbal bed bug spray
khatmal bites
khatmal mar dawa
bed bug spray online india
spray for bed bugs in india
bed bug drugs
how to kill bed bugs in india
bed bugs medicine in bangalore
medicine for bedbugs
khatmal ka ilaj in hindi
bed bugs in bangalore
best medicine to kill bed bugs in india
dallas ek nazar cars
bed bugs spray online india
herbal anti bed bug spray
khatmal nivaaran price
how to control bed bugs in india
anti bed bug spray india
buy bed bugs spray online
bed bugs in hindi
medicine for killing bed bugs
bed bug spray in bangalore
bed bugs killer in bangalore
zubaida tariq totkay for khatmal
bed bug in hindi
bed bug spray side effects
bed bugs spray name india
bed bugs medicine name
how to kill bed bugs naturally in india
bed bug killer medicine
best bed bug spray in india
bed bug killer india
bed bugs killer spray india
herbal spray for bed bugs
herbal bed bug repellent
bed bugs spray in bangalore store
medicine for bed bug
remedy for bed bugs india
bed bug killer spray in bangalore
what is the medicine for bed bugs
how to kill khatmal
dua for bed bugs
khatmal marne ka ilaj
appa zubaida ka totka in urdu
shia khatmal
dhekun
medicine to kill bed bugs india
bugs medicine
zubaida apa k totkay for khatmal
khatmal images
bed bug spray in indian market
bedbugs in india
ashish pandey facebook
best medicine for killing bed bugs
indian bed bugs
herbal anti-bedbug sprays
bed bugs medicine in india
best spray for bed bugs in india
bed bugs treatment medicine
eraser pesticide
india bed bugs
bed bug powder india
bed bug bangalore
bed bugs killing spray india
bed bugs spray name bangalore
bed bugs killer india
bed in urdu
bed bug killing medicine
chana choli
chhupa rustam meaning in english
bed bug repellent india
bed bugs killer spray in india
bed bug powder in india
medicines to kill bed bugs
sprays for bed bugs in india
herbal medicine for bed bugs
bedbugs medicine
khatmal killer medicine
deemak ki dawa
bed bug spray name
bed bug killer medicine india
how to kill bed bugs at home india
khatmal treatment in urdu
daiya re daiya
how to get rid of bed bugs permanently in india
shia population in lucknow
bed bugs fumigation in karachi
bed bugs in aruba
khatmal killer medicine in delhi
khatmal killer medicine india
kill bed bugs india
bed bug medicine india
herbs that kill bed bugs
beech bajariya
dua to get rid of bed bugs
khatmal bhagane ki dua
bed bugs powder in india
beech bajariya khatmal kate
bedbugs india
herbs to kill bed bugs
khatmal marne ki dua
khatmal bhagane ka tarika
medicine for bedbug
khatmal ki dua
paste material
knee pain in urdu
bed bugs solution in urdu
bug spray in india
khatmal meaning in english
dhire dhire se lyrics
side effects of bed bug spray
bich bajariya mp3
medicine to kill bedbugs
khatmal se nijat ka totka in urdu
katmal
ashishpandey
aashish pandey
bed bugs killer spray philippines
don moin songs
medicine for khatmal
daiya re daiya khatmal
khatmal se nijat ki dua
how to remove bed bugs india
beech bajariya video song
khatmal killer medicine name
bugs in india
beech bajariya song
khatmal image
khatmal marne ka tarika in hindi
tabarra poetry
ganga ke kasam
khatmal remedy
khatmal khatam karne ka tarika
deemak ki dawai
zubaida tariq house
bed bugs in kuwait
how to vanish bed bugs
how to get rid of khatmal
bed bugs in urdu
khatmal se chutkara
ashish songs
ashish kate
bed bugs in saudi arabia
khatmal marne ka tarika in urdu
bich bajariya
bedbugs in hindi
how to kill bed bugs in urdu
jnu bed
bed bugs in switzerland
how to remove khatmal from bed
bed bugs spray in pakistan
bich bajariya song
marne ki dawa
karachikhatmal
home remedies for khatmal
lucknow shia population
bed bugs in islam
khatmal photo
zubaida tariq ka totka in urdu
ahmer naqvi
bed bugs in marathi
shia sunni riots in lucknow
bed bugs switzerland
daiya re daiya khatmal bhojpuri
bed bugs spray in qatar
khatmal khatam karne ka totka
kaat online
chhupa rustam in english meaning
khatmal picture
daiya re daiya khatmal bhojpuri mp3
beech bajariya mp3
gangaki kasam
chipkali ko marna in islam
khatmal marne ka totka in urdu
khatmal marne ki medicine
khatmal song
picture of khatmal
bedbug in hindi
balma kaat raha hai khatmal
how to remove khatmal
medicine that kills insect
khatmal pics
karachi blog
khatmal pic
tyfon bug control
dhire se jana khatiyan me
pyar mein ik chumma de de
khatmal spray india
meaning of khatmal in english
images of khatmal
ghus gaya
dhire se jana khatiyan me mp3 download
shia tabarra
shia sunni riots
marne ke tips
beech bajaria
karachi blogs
chipkali ko marna
khatmal kay liay in urdu
what we call deemak in english
khatmal khatam karne ki dua
bugs in hindi
khatmal dheere se jana
image of khatmal
how to kill khatmal at home
choli mp3
khatmal wikipedia
ajwain se ilaj
khatmal meaning
daiya re daiya khatmal mp3
copypaste blog
beech bajariya song download
bugs of india
pyar mein ik chumma de de mp3
what is deemak called in english
zubaida tariq home
shia sunni riots lucknow
kalonji ke nuskhe
khatmal wiki
how to remove khatmal from home
ganga kikasam
totka in english
dheere se jaana khatiyan mein
what is khatmal called in english
khatmal ka khatma in urdu
dhekun spray
beech bajriya
what is khatmal
zubaida appa ky totkay
karachi blogspot
on line kaat
khtmal
meaning of khatmal
katmal in english
gh us
moin mast
ghus ghus
khatmal ka desi ilaj
how to kill dhekun
khatmah
khatmal marne ke tarike
bich bajriya
ढेकुण

ढेकुण मारण्यासाठी औषध

ढेकूण औषध

ढेकुण in english

खटमल भगाने का उपाय

ढेकुन

खटमल मारने की दवा
little bed bugs
adept pest control
bed bugs in bed
cockroach marne ka gharelu nuskha
dua for bed bugs
bed bug reproduction
bedbugs in hindi
khatmal pest control
bed bugs meaning
bed bugs killer spray india
bed bugs bangalore
khatmal home treatment in hindi
cockroach marne ki dawa
avoid bed bugs
eradicating bed bugs
indian bed bugs
small bed bugs
photos bed bugs
dhekun treatment in marathi
dhekun in english
bed bugs spray name india
bed bugs origin
bed bug cure
best medicine for bed bugs in india
bed bugs pictures
bedbugs
bed bug removal
how to remove khatmal from home in hindi
dhekun
bed bugs treatment in hindi
bed bugs pesticides
bed bug eggs
nallulu medicine
bed bugs killer
bed bugs solution
baba vanga
bed bugs spray online india
kitnashak dawai name
khatmal solution
bed bug killer medicine
bed bugs
khatmal killer medicine name
bed bugs tablets in bangalore
bed bugs ayurvedic treatment
bed bugs images
marne ka asan tarika
bed bugs in hindi
bed bugs pics
bed bug chemicals
khatmal medicine
bed bugs photos
ayurvedic treatment for bed bugs
remove bed bugs
bed bugs medicine in india
best medicine to kill bed bugs in india
khatmal treatment
bed bugs lifespan
how to kill bed bugs
red bed bugs
how to remove bugs
daiya daiya daiya re song download
baby bed bug pictures
bed bugs killer medicine
dua to get rid of bed bugs
medicine for bed bugs in india
bed bug spray in india
khatmal killer medicine
bed bugs tablets
bed bugs on bed
baby bed bugs
bed bugs medicine name
how to remove khatmal from home
how to get rid of khatmal
khatmal killer spray
bed bugs solution in hindi
how big are bed bugs
bed bugs medicine
about bed bugs
bed bugs india
how to kill bed bugs india
beech bajariya song
how to remove khatmal from house
medicine for khatmal
daiya daiya re song
khatmal spray
khatmal home treatment
khatmal killer homemade
khatmal insect
bed bugs killer spray in india
khatmal spray name
bed bugs in india
how to remove khatmal
bed bug problem
bed bug dead
ayurvedic medicine for bed bugs
bed bug killer spray in india
how to kill bed bugs in hindi
khatmal killer medicine india
home remedies for khatmal
daiya daiya re song download
beech bajariya song download
bed bug eggs pics
bed bug spots
bed bug eggs in hair
खटमल मारने की दवा का नाम
best medicine for khatmal
bed bugs spray in indian market
home remedy for bedbugs
bed bug diseases
images bed bugs
how to kill bed bugs in india
khatmal killer
baby bed bugs images
khatmal khatam karne ka ilaj
khatmal marne ki dua
khatmal killer powder
khatmal killer in hindi
marne ka tarika
bed bug mattress
khatmal ki dawa
khatmal marne ki dawa
bed bugs nyc
khatmal in english
khatmal ki dawa in hindi
khatmal ka ilaj
bed bugs australia
khatmal ki dawa urdu
khatmal treatment in hindi
khatmal insect treatment
bat bugs
repel bed bugs
bed bugs sydney
khatmal marne ka tarika
khatmal bhagane ka tarika
khatmal ka ilaj in hindi
khatmal marne ki dawa in hindi
khatmal ko marne ki dawa
khatmal marne ke upay in hindi
bed bug size
nyc bed bugs
bed bug larvae
finding bed bugs
khatmal marne ka upay
khatmal bhagane ke upay
bed bugs travel
google bed bugs
khatmal marne ka tarika hindi me
khatmal bhagane ka tarika in hindi
khatmal ka khatma
bed bug eggs look like
bed bug eggs pictures
de bed bugs
khatmal mar dawa
khatmal marne ki dawai
clear bed bugs
khatmal in hindi
khatmal se nijat
bed bugs houston
bed bugs fly
khatmal remedy
khatmal marne ka tarika in hindi
khatmal marne ka totka
big bed bugs
bed bug medication
identifying bed bugs
khatmal ko marne ka tarika
bed bug light
picture bed bug
cure bed bugs
how common are bed bugs
khatmal marne ki dawa ka naam
khatmal english
large bed bugs
bed bug bed
bed bug eggs size
treatment of khatmal
tiny bed bugs
bed bug stages
khatmal marne ka ilaj
khatmal marne ke tarike
bed bugs outside
mattress bed bugs
adult bed bug
khatmal se bachne ka tarika
khatmal bhagane ka totka
khatmal in bed
pictures of bed bug eggs
khatmal khatam karne ka tarika
khatmal marne ke gharelu nuskhe
images of bed bug eggs
bed bugs remedy natural
bed with bed bugs
bed bugs hair
bed bugs black
bed bug cycle
bugs in bed not bed bugs
australian bed bugs
zubaida apa k totkay for khatmal
bed bug smell
can bed bugs
bed bugs disinfection
bed bug eggs on mattress
khatmal se nijat ka tarika
ghus gaya
bajariya
bad bed bugs
baby bed bugs pics
khatmal marne ke gharelu upay
pics of bed bug eggs
bed bugs live
khatmal marne ka gharelu upay
wikipedia bed bugs
no bed bugs
what bugs eat bed bugs
khatmal kaise mare
bed bug feeding
bed bug marks
bed bugs dansk
remedy bed bugs
brown bed bugs
cats bed bugs
english of khatmal
buy bed bug spray online india
female bed bug
bed bugs eat
bed bugs small
common bed bugs
khatmal kaise khatam kare
bed bugs food
cockroach se nijat
bed bug check
eradicating bed bugs naturally
bed bugs red
tropical bed bugs
khatmal se nijat in hindi
bugs that eat bed bugs
khatmal eggs
bugs like bed bugs
bed bug blood
pics of baby bed bugs
bed bug wings
dimak insect
bugs on bed not bed bugs
why bed bugs
bed bugs dormant
खटमल मारने का उपाय
bed bug types
not bed bugs
khatmal bhagane ki dua
zubaida tariq totkay for khatmal
bed bugs wood
khatmal shia
define bed bugs
khatmal ka totka
khatmal marne ki medicine
neend bhagane ka tarika
cockroach bhagane ka tarika
khatmal ki hadees
how to remove khatmal from bed
bed bugs on a bed
bed bugs in a bed
male bed bug
khatmal ki dua
bed bugs in the bed
marne ka aasan tarika
खटमल
marne ka tarika batao
marne ke tarike
khatmal se nijat ki dua
insects in hindi
bed bugs on bed pictures
bed bugs i
bed bugs meaning in hindi
खटमल मारने की दवा
bed bugs italiano
bed bugs italy
khatmal medicine in hindi
how to get rid of bugs in room
bug in hindi
khatmal khatam karne ki qurani dua
dhekun upay
bed bugs in urdu
chipkali bhagane ke totkay
मारन टोटके
khatmal images
khatmal pic
meaning of bug in hindi
dettol bed bugs
how to remove bed bugs in hindi
khatmal meaning in english
bed bug parasite
shia khatmal
adept pest
marne ke aasan tarike
how to finish bed bugs in urdu
deemak marne ki dawa
bed bugs in marathi
khatmal meaning
how to remove khatmal from room
udus insect
bed bugs in your bed
bed bugs on the bed
bed bugs spray in pakistan
ironing bed bugs
wazifa for bed bugs
how to get rid of bed bugs in urdu
khatmal pics
bed bugs reason
beech bajariya hd video download
marne ke tarike in hindi
daiya re daiya
gharguti upay in hindi
khatmal ka khatma in urdu
khatmal bhagane ki dua in urdu
khatmal ka khatma ki dua
khatmal se nijat ka totka in urdu
dhekun marathi
daiya daiya re song download mp3
beech bajariya video song
beech bajariya
khatmal se nijat ki dua in urdu
khatmal mar dawai
bed bugs hindi
cockroach ko marne ki dawa
khatmal marne ka desi tarika
how to kill bed bugs in urdu
khatmal marne ki desi dawa
khatmal ka ilaj zubaida apa
khatmal bites treatment
bed bug traces
pissu insects
kate mp3 song
khatmal khatam karne ki dua
kisi ko marne ka totka in hindi
khatmal marne ka totka in urdu
खटमल का इलाज
खटमल भगाने का उपाय
how to destroy khatmal
cockroach marne ka tarika
khatmal ko bhagane ki dua
dua to get rid of insects
dhekun in hindi
bich bajariya mp3
bajariya song
daiyare daiyare song download
images of khatmal
download song daiya daiya re
khatmal ka desi ilaj
khatmal photo
bug spray meaning in hindi
bed bugs meaning in urdu
mosquito bhagane ka tarika
beech bajariya video song download
marne ke tips
khatmal treatment in urdu
dhekun in marathi
gar marne ka tarika
daiyare daiyare video song download
bich bajariya
bich bajariya song
खटमल से बचाव
what is khatmal
खटमल से छुटकारा
beech bajariya mp3
khatmal wiki
khatmal khatam hone ki dua
khatmal home remedies
what we call deemak in english
dhaiya dhaiya re
bich bajariya song download
bed bugs meaning in marathi
khatmal ka ilaj desi
daiyare daiyare song
khatmal ki dua in hindi
daiya re daiya khatmal
meaning of khatmal in english
zubaida apa ka totka for khatmal
bed bugs bite meaning in hindi
amaltas ki phali in english
daiya daiya mp3 song download
marne ke aasan tarike in hindi
bed bugs hrvatski
cockroach ka ilaj
bich bajariya tune mp3
bed bugs meaning in gujarati
lal gandhak
daeya daeya re
khatmal kay liay in urdu
kaise mare

daiya daiya re song mp3 download
bugs hindi meaning
khatmal home treatment in urdu

kisi ko marne ke totke
khatmal bhagane ki dua in hindi
khatmal marne ka tarika in urdu
pics of khatmal
cockroach marne ka totka in urdu
daiya daiya mp3 download
english name of khatmal
daiya re daiya song download
khatmal song
katmal in english
daiya re daiya song
beech bajariya khatmal kate

Snapdeal’s Rohit Bansal spills beans on 'what next in e-commerce innovation'

Things that all of us take for granted today, like smartphones, internet or even farming and agriculture, all these were innovations at some point.

The only thing true about innovation is that one generation's innovation is next generation's starting point. We have seen this throughout the course of human evolution.

Things that all of us take for granted today, like smartphones, internet or even farming and agriculture, all these were innovations at some point. Similarly, for the future generation and audience, basic e-commerce is a standard utility, and the next wave of innovation will make it even more seamless and relevant to them in today's context.

In terms of online commerce, a field that I am immersed in most days of the week, an exciting world is emerging, shaped in part by the following key influences:

Emergence of the Post-Millennials: The online world is a rapidly evolving one. The post millenials are the natives of the digital world - they influence, drive and adapt to the changes intuitively. They are the ones who grew up with Facebook, Instagram and smartphones, and hence these become the starting points. The consumption, communication and collaborative (vs competitive) approach of the post-millenials will shape the trends that are described below.

Personalised Experience: Technology works best when it caters to real needs. Shoppers love personalised attention in the store, provided it is relevant, efficient and unobtrusive. Data Sciences are the cornerstone of delivering a personalised online experience. Everything we do online can give insights into our consumption behaviour, our socio-economic demographics, our social networks and other significant nuggets of our daily lives. Availability of tools to process this information in real-time will usher a wave of personalized experiences where we don't need to express intent, but the platform automatically learns that intent and makes our lives smoother. It is similar to Google maps knowing every evening that it's time for me to go home, and telling me how much time it will take without me looking for it. The abundance of online data and the increasing sophistication of data analytics will accentuate this trend of offering a custom designed online shopping environment.

Visual Shopping: How do you find something that you don't know enough about? Maybe it is design pattern that you saw on a billboard or in a magazine. Or a great pair of shoes that you saw on a model, with no idea of the brand or its availability. Technology advances and massification of camera access into smartphones in recent years have made it possible to do a multi-product search basis just an image. Simply put, you click and upload this image and use it just the way you would use key words. With the increasingly visual world that we live in through Instagram and Pinterest, this opens a new dimension in search. Snapdeal has led the way here through Findmystyle, an in house visual product discovery tool, which allows shoppers to view a variety of styles and designs to enable them zero in on the style that suits them the best.

Cash is King, Digital is Queen: Cash is not going away anywhere in a hurry and cash on delivery is still the preferred way to shop online. However, the tide is turning, slowly albeit surely. Reports show that the rise of digital payments is on the rise, more credit and debit cards are being issued every year. In conjunction with the rise in online shopping, a plethora of online friendly payment options are now available. Payments can be done through the phone and without necessarily having bank accounts. Digital wallets are enabling customers to pay for a Rs 50 recharge or buy a 4K TV for Rs 50,000 with the same ease and security. Worldwide, online commerce and payment options have formed a cohesive ecosystem Tao Bao and Alipay, Ebay and Paypal The same is shaping up in India too - Snapdeal - Freecharge Wallet is a case in point.

Internet of Things: The internet is everywhere and will embed deeper into our everyday lives very soon. This will be led by smart, connected devices communicating to each other, without the need for recurrent human intervention. The biggest applications will be in healthcare, energy and security. One can expect smart weighing scales communicating to smart refrigerators regarding your diet requirements, which will in turn order the required groceries from your designated stores, with the payment charged to your digital wallet automatically. Futuristic, as this may sound, all of this is real. In the near future, consumer durables like air-conditioners will come equipped with on-board sensors to detect impending service requirements and will send a message to the service centre automatically. All this intelligence opens new vistas for intuitive, un-assisted ecommerce to happen. Internet of Things (IoT) will change the landscape just like social media did a few years ago.

This is just a glimpse of what the future holds. I am sure when it arrives, it will be more vivid and more exciting than our visualisation. At Snapdeal, we are excited about our contributions towards the same. The co-creation of the most impactful digital ecosystem is not only our mission, it is the passion that drives us all.

(This article is authored by Rohit Bansal, Co-Founder, Snapdeal)

Sachin Bansal is Flipkart's executive chairman, Binny Bansal is new CEO

India's largest e-tailer Flipkart has reshuffled its top-deck. Sachin Bansal, CEO and co-founder of Flipkart, is appointed as executive chairman and its other co-founder & COO Binny Bansal, will be the new CEO of the company.

In his role as executive chairman, Sachin will provide strategic direction to Flipkart, mentor senior leadership and look for new investment opportunities. He will play an active role in championing the Indian e-commerce sector and building the internet ecosystem, and represent the company in external forums. He will continue to be the chairman of the Board.

"E-commerce in India is going through its most exciting phase and Flipkart has played a pioneering role in shaping this very remarkable journey. We believe that Flipkart can play a transformational role in improving commerce in India and improve the quality of lives of millions of people across the farthest corners of the country," Sachin said. "In this next phase of the journey, it will be our endeavour to fulfil this responsibility and prove that India can produce a world class internet company that can outshine any global behemoth. We also want to continue to play a pivotal role in shaping the internet and the commerce ecosystem of India."

Binny as chief executive officer will be responsible for its operations and overall performance. All the business areas - commerce, Ekart and Myntra will now report to Binny. All corporate functions including human resources, finance, legal, corporate communications and corporate development will also report to Binny.

Binny Bansal, co-founder and CEO, Flipkart said, "At Flipkart, we have come a long way in our eight year journey. Today, we are in a very strong leadership position with over 60% market share of the m-commerce market, 50 million customers and clear leadership in smartphones and fashion. The journey ahead is equally exciting and challenging. Flipkart has all the necessary ingredients of brilliant talent and great technology to win this next phase as well. We will continue to build world-class customer experience, expand our supply chain infrastructure to reach all parts of India, drive innovations in mobile commerce and bring in disruptive technologies."

Mukesh Bansal will continue as head of commerce platform, Flipkart's core business, and will have additional responsibility of the ads business. Mukesh will also continue in his role as chairman of Myntra. "These are exciting times for Flipkart. We have achieved leadership in e-commerce based on our focus on the Indian consumer and a great execution capability. Today, Flipkart is a brand trusted by millions across India backed by a robust seller ecosystem and world-class technology. We are confident that in the coming years, we will continue this momentum as we spread the benefits of e-commerce across the length and breadth of India"

Why the world’s Parsis are heading to this Guj town

Keeper of the sacred flame since 1742, Udvada will host the country’s first ever Parsi festival
Udvada is a nondescript hamlet in Gujarat of 5,897 people. Next weekend it is expected to host 5,000 Parsi and Irani Zoroastrians from India and abroad. That’s one-sixth of the entire population of this minuscule community, world-wide. The remarkable demographic will be triggered by the first-ever Udvada Utsav, December 25 to 27.
For all its secular nonentity, despite the decrepit silence of its once-babbling, squabbling Parsi mohallas, Udvada is the holiest place of Zoroastrian pilgrimage. Since 1742, it has been the ‘throne’ of the ‘Iranshah’, the sacred fire. It is believed to have burned continuously ever since it was consecrated between the 8th and 9th centuries on Gujarat’s Sanjan beach, where the storm-tossed Persian Zoroastrians had landed, hoping to save their 3,000-year-old faith from the invading Arabs. Their leader-priest, Nairyosang Dhaval, had lit it from the 16 embers needed, including those from a household hearth, a funeral pyre, a smithy’s coals and finally the ‘cosmic’ spark from a bolt of lightning. The refugees declared it their new king, ‘Iranshah’.
The idea of the new, pride-enhancing Udvada Utsav wasn’t ignited by the religious or secular leaders of the now divided, dying Parsi community, but from that master of the main chance, Narendra Modi. Way back in 2006, at Ahmedabad’s Cama Hotel, the then chief minister had told its Parsi owner that he’d like to showcase the exemplary community whose Indian roots were in Gujarat. A Visitors Centre was built. Vada Dasturji Khurshed Dastoor, who along with Dr Peshotan Mirza, is one of the two hereditary high priests of the Udvada Atash Behram, says, “When Mr Modi visited Udvada in 2011, he suggested an event to highlight ‘Parsi-panu’, our culture.” Udvada Utsav became a reality with Cyrus Poonawalla’s sponsorship.
Arun Jaitley is taking Narendra Modi’s place as chief guest next Sunday. Vada Dasturji Dastoor, spearheading the Utsav, insists that its theme of tolerance wasn’t prompted by recent events. “It had come up during the 2011 visit, with Mr Modi saying that Gujarat had taken a completely alien Persian civilization into its embrace, and Udvada, home to the Parsis’ holiest fire, should be celebrated as a place of peace, harmony and tolerance.”
Keeper of the sacred flame since 1742, Udvada will host the country’s first ever Parsi festival
Faith and nine priestly clans have kept alive the Iranshah’s 1,300-year-old flame in its chequered sojourn. These anointed families are descendants of the three Sanjan priests who protected it in its early, vulnerable years. They guarded the Iranshah during the Muslim invasions of Gujarat. When Sanjan fell to Sultan Mahmud in 1297, they kept it hidden — and alive — in the remote hill caves of Barot for 12 long years. After 14 years in tiny Vansda, it was enthroned for three centuries in Navsari, a thriving Parsi commercial centre, briefly spirited away to Surat to protect it from nomadic robbers. Skirmishes with local Navsari priests, prompted the nine Sanjan families to run away with it to Udvada.
Will faith — Udvada’s lonely claim to fame — hold its own amidst the Utsav’s feasting and the razzle-dazzle of Shiamak Davar, Latino Salsa, Karaoke and DJ nights? One hopes that the crowds will also throng the Iranshah Atash Behram’s marble lobby aglow with hanging oil ‘divas’ and stern portraits of past Parsi greats. That they will experience the spiritual implosion triggered by the gongs of the burnished bell as the near-celestial priest in his long white muslin robes performs the ‘boe’ ritual in the inner sanctum. It will be a true Utsav if the revered flames manage to leap across centuries, continents and controversies, to bind this beleaguered community to that ancient Sanjan beachhead, and to itself.
‘Community must change’
Vada Dasturji Khurshed Dastoor, the 21st hereditary head priest of Udvada’s Iranshah Atash Behram, on the place of a 3,000-year-old faith in the 21st century, and the decline of priesthood
Q. You are one of the two head priests of the holiest Zoroastrian shrine but, ironically, you have often been pitted against the orthodox laity…
A. I like to quote the scholarly Sir J J Modi, ‘’What we called ‘reform’ in the past is today’s orthodoxy, and that’s the way it will go on’.’’ To keep going, the community must change, but within the tenets of the religion. In his ‘Gathas’, Prophet Zarathushtra tells us to use our ‘wonderful God-given mind’ to decide what is right and wrong. My support of organ donation was opposed as going against the religion. But there was no notion of this in the time of the holy texts. If you can accept a heart — as the young Bengaluru girl Havovi did and has lived happily — you should equally be prepared to donate it. ‘Ushta te…’ is the keystone of Zoroastrianism, ‘Happiness unto him who brings happiness to others’.
Q. Why has the priesthood declined so abysmally?
A. Because priests have always had to submit to the ‘sethias’ who built the agiaris. The vocation was degraded. Priests got impoverished. There’s no fixed income; in the ‘panthak’ (parish) system, a fire temple’s chief priest keeps the more lucrative rituals for himself. And the pie is getting smaller. There have been some amelioration schemes, but it’s simply too late.
Q. You once told me about feeling self-conscious while sitting in your priestly gear at McDonald’s with your burger-loving five-year-old.
A. I’ve overcome this. I go as a father’s duty. The beauty of our religion is that we don’t force anything on anyone. We have no restrictions. We don’t sacrifice animals or renounce family. In fact, familial duty is of prime importance.

Sleepy Udvada springs to life with first-ever Parsi festival

It's where history meets hearty Parsi cuisine. Udvada, a coastal town about 200km north of Mumbai and a place of pilgrimage for Zoroastrians, is as beloved for housing the community's sacred fire or Iranshah as it is for dishing out scrumptious fare like khurchan and kheema pav. Once an 'uth vada' or grazing ground for camels, Udvada became the resting place of the holy fire in 1742. Today, less than 100 Parsis remain. Most are retired, senior citizens, who spend their afternoons snoozing on porch swings. But on December 25th, Udvada will be shaken out of its slumber by an influx of 1,000 people, who will congregate for the first-ever 'Iranshah Udvada Utsa


The three-day festival, organised by the Foundation for the Development of Udvada and the Udvada Samast Anjuman, includes heritage walks, Parsi skits, religious lectures, youth competitions and a treasure hunt. On the last day, if all goes as planned, business tycoon Ratan Tata will be felicitated by Prime Minister Narendra Modi. The PM is expected to attend because the festival was his brainchild. "When the prime minister was the chief minister of Gujarat and visited Udvada, he said that there should be a festival to attract Parsis from across the world," recalls high priest and FDU chairman Dasturji Khurshed Dastoor. "That was his vision because he wanted to portray Udvada as a place of religious harmony and tolerance."

Much of the focus will be on how Udvada became the home of the Iranshah. The story begins in the 7th century when the Sasanian rulers of Persia were defeated by Arab invaders. To escape religious persecution, about 2,000 Parsis came to India. In 721 AD, some Zoroastrians believe a high priest consecrated the holy fire or Iranshah in Sanjan from 16 different sources including a burning corpse, a potter's kiln and lightning 1,300 years ago. When Muslim invaders attacked Sanjan 700 years later, the fire was stowed away in the Bahrot caves. It then moved back and forth between Navsari, Surat, and Valsad due to infighting before ending up in Udvada in 1742. At the time, Udvada was ruled by the Peshwas.


During the heritage walk, participants will get to see Portuguese inscriptions dating back to 1714, the redeveloped bungalow which housed the Iranshah before the Atash Behram (Parsi temple) was constructed and the homes of the nine priestly families of Udvada. In the early 2000s, Udvada was declared a heritage precinct because of its 200-odd Gujarati Pol houses, old wells and narrow streets.


Today, most Parsis visit only to pray at the Iranshah and tuck into pulav daar and boi (fish) at the famous Globe Hotel. By late afternoon, families are already on their way back home. Young Parsis have been deprived of the joys of freshly churned doodh nu puff or playing on the rocky beach. Dastoor hopes to reverse this trend. "I want the youth to feel the pulse of the place," he says.

EVMs, 500 officials for big, fat Parsi polls in Mumbai

With just a week to go for the Bombay Parsi Punchayet (BPP) elections, aspiring trustees have been giving stump speeches at colonies across Mumbai. On Wednesday, three candidates, who are canvassing together as "The Tremendous Three" were speaking at Colaba's Cusrow Baug - a citadel of lemon yellow buildings, green lawns and vintage Fiats. With over 5,000 apartments and many commercial establishments under its control, the BPP is one of the city's largest landlords and Cusrow Baug is by far its most lucrative property with flats selling for upwards of Rs 5 crore.

Given the wealth at its disposal, it's no wonder that the BPP poll is being taken very seriously by Mumbai's Parsi community, which numbers just 40,000. In the run up to the October 18th polls, 250 election officers have been busy conducting mock drills, scouring the electoral rolls for duplications, arranging for ambulances at the five polling stations and pressing candidates to stick to a voluntary code of conduct.

Community papers and magazines - one of which is owned by a candidate - are rife with testimonials, voting FAQs and full-page ads that can cost up to Rs 55,000, and even aspirants are interrupting their chest-thumping rhetoric to give live demonstrations of the newly-introduced Electronic Voting Machines (EVM).

At Cusrow Baug, one contender pulled out a dummy machine and began explaining the nitty-gritties of the process. "Each booth has two EVMs because a single machine has only 16 slots and there are 23 candidates," he told the crowd of over a hundred senior citizens some of whom had expressed fears of "rigging". "It's not a touch screen so 'dabao' the button for the red light to come on," he added.

Since five out of seven seats are up for grabs, voters can select up to five candidates. An exhaustive set of EVM FAQs, created by the BPP's election team, deals with every question imaginable from "Can I undo my selection?" to "What if there is a power failure?" to "Can I vote for the same candidate multiple times?"

Last year, India conducted the world's largest election when 81.4 crore people - larger than the population of Europe - cast their vote in 9.3 lakh polling stations fitted with 14 lakh EVMs. This election might be diminutive in comparison - a maximum of 15,000 Parsis are expected to cast their vote at five centres fitted with 100 EVMs - but it's being arranged with the same earnestness.

"At each centre, there will be an in-charge polling officer and three to four assistant polling officers, who are established members of the community" says BPP Election President Mahiyar Dastoor. "The whole mobilization will be nearly about 500 people, of which 230 will be polling agents from the candidates' side, and a hundred will be IT support staff for the EVM machines."

One booth in each centre will be reserved for handicapped voters, wheelchairs will be available at all polling centres and three ambulances will be on standby for any elderly voter, who collapses while standing in line.

The entire process, which includes hiring EVMs and an external IT audit firm to oversee the process will cost the BPP about Rs 25 lakh, says Dastoor. And will have to be repeated in six months' time when one of the two currently-occupied seats is vacated. On Election Day, people will have to show their election cards and a government-sanctioned ID, their name will be ticked off an online electoral roll and their forefinger will be marked with indelible ink.

A dry run of 150 voters has already been conducted in Khareghat Colony to evaluate how long each voter will take to complete the process and ensure that there are no hiccups. The results will be declared the same evening at the Dadar Parsi Colony Gymkhana. One curious lacuna in this otherwise water-tight process is that when voters register to be added to the electoral roll, there is no way of verifying that they are Parsi. "Your passport, your aadhar card, nothing mentions your religion," says Dastoor. "It's only based on the name."

Many view this as a make or break election because the current board's rival factions have spent the majority of their terms blocking each other's' proposals and hurling allegations - and abuse - at each other. According to the editor of the Parsi Times Freyan Bhathena, "The fate of this community depends on these elections."


Which is perhaps why for the first time in over a 100 years, the BPP has also created a voluntary code of conduct. It asks candidates to refrain from luring voters with expensive freebies like cell phones, laptops, flat screen TV sets, and refrigerators. In the past, some candidates even organized buffets and retro nights in Parsi baugs, while other wined and dined voters at swanky restaurants.


It's these extravagances, which led the code's formulators to impose a cap of Rs 3 lakh on campaign expenditures. Additionally, to avoid the mud-slinging that has shadowed past campaigns, the code also asks candidates to "restrict criticism to polices, programmes, past record and work only".


"The code of conduct has definitely made a difference. It is far more gentlemanly, far more orderly," says Jehangir Patel, who runs the community magazine Parsiana. Bhathena agrees though she credits the Parsi press for educating voters more than the newly-introduced code of conduct.


Community member Farrokh Jijina, however, says personal attacks continue but have simply switched mediums. "It's there but it is surreptitious. Now, personal allegations are coming on Whatsapp and other social media."

Can marriage deprive women of their religion? Parsi woman asks SC

NEW DELHI: Can a woman be prohibited from practising her religion if she marries a man from a different religion? Is she bound to follow her husband's religion? Can her religious places bar her from offering prayers if she marries outside the community?

These are some of the questions 46-year-old Goolrookh M Gupta, nee Contractor, has asked the Supreme Court. She has challenged the rationale behind a "misogynistic" judgment by Gujarat High Court, which had upheld Valsad Parsi Anjuman Trust's decision to bar her from offering prayers at the Agiyari after she married a Hindu. The apex court agreed to hear the plea on April 28.

Goolrookh, who has old parents, had moved the HC after learning that another Parsi woman, Dilbar Valvi, also married to a Hindu, was not allowed to attend the funeral of her father and mother by the Valsad Parsi Anjuman on the ground that she was no longer a Parsi.

The HC, by a two to one majority, upheld the Anjuman's view. "The HC judgment is a grave affront to India's constitutional order which mandates adherence to basic human rights, dignity, religious freedom, gender equality and a uniform civil code," Goolrookh said in her petition.

What was the use of making women's right and empowerment the most talked about point when even an HC gave a judgment which was based on "the ancient feudal notion of women being regarded as chattels, an expression essentially reflecting the position of dominion over women by men", she said.

"There is no law in India which says that a woman must adopt her husband's name or religion upon marriage, she said. On the contrary, Parliament had enacted Special Marriage Act in 1954 to enable two persons belonging to different religions to enter into marriage without either having to renounce his or her religion and/or convert into the religion of the other," she argued.

Despite the law being in force for more than 60 years, the HC "concluded that by virtue of her marriage to a non-Parsi, she ceases to be a Parsi".

Goolrookh said though the judgment was on a petition filed by her, its effect would be used against all those women who marry outside their religion.


"The HC proceeds on a principle, stated to be 'generally accepted throughout the world', that until her marriage, a woman's decision as to which religion she follows is dependent upon the religion of her father and after her marriage, it is dependent on that of her husband," she said.


Goolrookh added that renunciation and acceptance of a religion was always preceded by a ceremony. While she was initiated into Zoroastrianism, she had never been initiated into Hindusim, she said.


Goolrookh said different Parsi denominations across the world (including India) applied different rules of conduct on Parsi women married to non-Parsi men.


"Agiyaris/trusts situated in Delhi, Pardi, Kanpur, Chennai, Kolkata, Jabalpur, Allahabad, Daman, Chikhli, Jamshedpur, Vadodara, London, Ontario (Canada), Florida and Chicago (US) do not prohibit Parsi women married to non-Parsi men from entering or offering prayers at the Agiyaris or participating in Parsi religious ceremonies," she said.

Why I want to be a Parsi

A haircut is meant to be a relaxing procedure. Someone gently washes your mane, scissors fly around, and then after a blast with the only sort of hot air that one should tolerate, you leave the premises with a bounce both in your curls and in your step.

But a few days ago when I went to the beauty salon I made the unfortunate mistake of asking the young girl rubbing conditioner into my hair if she was married. When she claimed that being in the salon all day didn’t give her time to meet anyone, my light-hearted suggestion of choosing a man out of the many working at the salon led to an explosion, as she immediately retorted, ‘They are all Muslims, no baba, they have permission to just cut anyone, kill and all!’

Taken aback by her vehement response and wondering who the ‘they’ were that gave people permission to cut people open, I said, ‘I am sure you mean people in the Taliban, ISIS or something, not these chaps here, wearing aprons and applying hair dye on geriatric society ladies.’

She replied, ‘Don’t know, I just don’t like them.’ And so while my frothing-at-the-mouth fanatic started untangling my hair, I felt my thoughts tangling up simultaneously.

How do such strong prejudices form, this sheer unfairness of tarring an entire sect of people with the same brush? In a world divided by religion where battles are fought and monuments pulled down over what boils down to a simple tenet — my belief is better than yours — how does one get people to see things without distortions. And doesn’t the situation worsen when members of the ruling party make statements such as this one by culture minister Mahesh Sharma who, in a recent interview, said, ‘I respect Bible and Quran but they are not central to the soul of India in the same way as Gita and Ramayana are.”

I for one didn’t know the soul of India was secretly Hindu and was hiding under a secular blanket, like the bogeyman on Halloween, waiting to pop out and startle us at the right moment by showing its true saffron colours.
But in deference to the dear minister’s version of Hindu culture, I have my copy of Ramayana ready. In fact, I was reading it to my daughter last Sunday. Unfortunately from the minister’s perspective, this adaptation is from Sita’s perspective and so he may have yet another problem with it because seeing a story from a woman’s point of view may also not be Indian enough.

Though I tried to dismiss the culture minister’s words, alarm bells began to ring louder in my already ringing ears when I went to a curriculum meeting at my children’s school, where the one sentence that came up again and again was, ‘Preparing to make them global citizens.’ Which is exactly what is required in a world that is now so closely connected, and I instantly recalled another alarming line from Mahesh Sharma’s interview where he stated that there have been discussions with the education ministry to prepare a new syllabus for schools and they have plans to cleanse every area of public discourse that has been westernized.

So I presume that another ban on education systems that don’t fit in within these parameters is imminent?

Which brings me finally to the meaty bone of contention about what we are allowed to cook in our supposed melting pot — the meat ban.

In the last few weeks, different states have put their machinery at work trying to enforce as well as extend the meat ban. When the high court was asked to chew on this matter, it thankfully tried to rule against it, and so a few organizations ran like headless chickens all the way to the Supreme Court stating that they had a beef with our meat and ended up with egg on their face when the ban was stayed.

The state had tried to advocate the ban by expounding the need to be tolerant of other faiths but the crucial question regarding who must show tolerance, who needs to be tolerated and who actually decides between the two, of course, still remains unanswered, and as is evident, people just seem to put up with only their kind.

And thus you have 2,000 men with axes, petrol and country-made pistols rioting at Atali Village in Ballabhgarh and attacking Muslims gathered to pray; a young Hindu man killed for marrying a Muslim girl in Bihar this year; a Muslim boy brutally beaten up by Hindu vigilantes for posing with his Hindu classmates; and a fatwa against A R Rahman for composing music for a film called Muhammad the Messenger of God. Not to forget the love jihads and other jihads, all trying to convert or eradicate the other.

Well, after giving all of the above some serious thought, I have decided that if I am reincarnated as a human being again instead of a holy cow or Baba Ramdev’s infamous Putrajeevak seed, then I just want to be born a Parsi; the most sorted bunch of people who have clearly worked it out that the world has gone to pot, and before anyone tries to eradicate them they have cleverly decided to go extinct themselves.