Bhartiya Mahila Bank - A Misguided and Pointless Endeavour

When the Finance Minister announced during his budget speech that the government was planning to start a Bhartiya Mahila Bank, I fervently hoped that it would remain an idea and not actually come to fruition. However, we now have to face the reality of the existence of the Bhartiya Mahila Bank which was inaugurated on the birth anniversary of Indira Gandhi yesterday.

Other banks are now “not-mahila-bank”
Daughter : Dad, the new SBI bank branch that in our village is seeking depositors. They were distributing these account opening forms today. Can I open an account there please!? Pleaaasseee. I also want my own account like bhaiyya.
Dad : No no. What do you need a bank account for? Anyway that bank isn't for you. If you do want you can get an account in the Mahila bank when it comes to our village.

This is a conversation which might be taking place in many orthodox families today. By branding the BMB as a mahila bank, I believe that with one stroke, the government sends the false message that all other banks, pvt or PSUs are not really for women. By creating a special bank that aims to encourage and provide access to banking for women, the government has completely disregarded the fact that all banks are completely capable of providing access to banking for women, have been doing so and should continue.

The Bank's first seven branches are slated to open in Mumbai, Kolkata, Lucknow, Guwahati, Chennai, Bangalore and Ahmedabad which are all urban centres and completely unlikely to have the problem of women lacking access to banks at all!

Consider this, the BMB’s own targets are – 25 branches by 2014 and 770 branches by 2020. Even if it achieves this target or exceeds it, the BMB shall have only a very small fraction of branches as compared to the other PSU banks.

So why this gimmick? Why not use the existing bank and their existing branch network. There is nothing that can justify a special bank.

Segregation is not Empowerment 

At the inauguration ceremony of the bank, the Finance Minister emphasised that the bank wasn’t merely a symbol but that it was true empowerment of women. The claim is downright absurd. The message that the government sends by setting up a new bank ‘for women’ are -

1. Women are to be treated differently (totally defeats the aim of trying to end discrimination)
2. When men cannot be trusted to treat women with respect in shared spaces, the women must segregate themselves (this seems like an admission of the government that they cant keep women safe even in a place such as bank which is likely to have many security measures)

Thus, in no way is there any message of the bank empowering women. There is nothing to show that segregation of the sexes leads to women empowerment. By its very definition the concept of segregation is against the concept of equality.

No Bank can be a Mahila Bank 

Very often many of the depositors of a bank and almost always, a majority of the entities obtaining loans from a bank are companies and trusts. These are artificial persons without any gender. A bank’s customers can never be al individual natural persons of one gender. Any bank has to seek to make its own profits and thus in the ordinary course of its business, a bank has to serve various types of customers.

Hence, the concept of a Mahila bank is flawed in itself and even the BNB that has been established is a fullfledged commercial bank that shall serve all customers regardless of their gender and its name is merely a misnomer. It is now an allegedly unique bank with nothing to set it apart except for its exceptionally poor branch and ATM network (atleast for the initial years).

The Mahila Bank is hence a solution that no one was asking for and also one that is likely to worsen the problem which it set out solve. When the question is asked a few years from now “What did the Mahila Bank achieve?”, the government is not going to have any answer.

Logo Image Source : Wikipedia

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Proportional Representation for India

A recent class discussion in which @theneotorious @bakbakee and @zahra_aziz24 actively debated upon the alternative electoral systems for India, reminded me of a speech given by Mr. Ajit Abhyankar, secretary of the CPI (M) Pune District committee at a recent seminar held at ILS Law College Pune. Of all the different electoral reforms suggested that day, the model which he suggested that day seemed the most appropriate to me in the Indian context. Here’s how it goes -

CHENNAI EXPRESS! – Game Review

While some of my friends are going to pay steep ticket prices to catch a paid preview of the latest SRK starrer today, I have been enjoying Chennai Express for more than a week now!

In what is probably a first for a bollywood film, the producers, Red Chillies Entertainment, hired Indiagames Ltd. to create a game in order to promote the film. The game is available on Google Play and probably on the Apple AppStore too! It is officially titled – Chennai Express : Escape from Rameshwaram

   

The game is a really enjoyable and Indianised version of the popular game “Subway Surfer”. Similar to the Subway Surfer or Temple Run theme, Chennai Express begins with you i.e. SRK running through the streets of Rameshwaram while a huge enemy chases with a longsword.

While the basics of the game remain the same old skills of jumping, sliding and changing lanes in time, Chennai Express manages to distinguish itself by giving a uniquely Indian feel to the players since unlike other games, the obstacles include autorickshaws, overloaded busses and coconut water vendors’ carts. The obstacles of Incredible India coupled with the background imagery of temples and authentic looking houses makes the player feel truly in India and sets the game apart from other titles on which it is based.

   

The objective of the game remains to earn maximum points but there are more ways to do that apart from collecting the gold coins that the streets of Rameshwaram are littered with. The gameplay includes special elements such as collecting diamonds whose worth is several times than the gold coins. One extra feature which distinctively sets apart Chennai Express from Subway Surfer is the added element of fighting enemies. In Chennai Express, a helicopter periodically drops lathi wielding local enemies in your path and you cannot jump over or slide under them. The way to beat them is to use the punch button before they have an opportunity to use their lathis. Apart from the punch button, the last distinguishing feature of Chennai Express is the timer. Unlike other similar games, Chennai Express is time bound and you have to attempt your highscore within those 90 sec only.

     

With many popular features such as - coin attracting magnet, ability to temporarily fly and collect bonus coins – being directly taken from Subway Surfer, I am sure many people shall deride this game for being a poor copy. However, I think that though it maybe based on the concept of other games, the developers have managed to add enough exciting and distinctive elements to make it wonderfully unique. The game is not meant to be an all time classic anyway and is designed simply to attract interest to the movie in short run. Looking at the background of the game I think the developers have done a great job and it shall keep me entertained for a couple of weeks at the least.

I am hoping this game shall set a trend and am looking forward to more such movie linked games from India.

Do try out this game and tell me what you think. Here is the Google Play link.

Just be sure not to hit any obstacle or this shall be your fate …

The last telegram!

On 13th June, I read the clever headline, “Telegram serious, start immediately”, ironically enough on the web edition of the Calcutta daily called “The Telegraph”.

Till that day, the words “taar” and “telegram” had never entered my world except for in the old anecdotes told by my grandparents. This was the medium in which they had received some of the best and worst news of their life. Similarly, in so many old novels, the telegram bearer always draws out a very wide range of emotions. It struck me that me and my friends were going to be a generation which shall miss out on those feelings and this tremendous medium of communication that had ushered in the information revolution of its time.

And so my mind was made up, I shall send a telegram before the service breathed its last in India.

Where do I begin?

Being an amateur philatelist, I knew of the telegram service’s existence but having twitter, whatsapp, facebook messenger and much more on my android phone, I never had to use the service ever before. Since in the stories I had heard that the postmen delivered these telegrams I turned up at the post office looking to send a telegraph, only to be told (very curtly) that the post I was at didn’t handle telegrams since the Central Telegraph Office was in the vicinity.

The Central Telegraph Office is a building that I had walked past every single day in that week, but ignored. It housed BSNL offices and it was there I could send a telegram from. This is because in the year 1994, BSNL took over the telegram system from the post but in some form of weird symbiosis, apparently still depends on them for the last step of delivery as far as I can tell.

As I entered the office, I had to look around and ask a couple of times, for telegram services are now manned by a single counter while all the other counters are dedicated to other services. Why BSNL needs counters and posters advertising its mobile services in MUMBAI is kind of beyond me but I didn’t enquire much and headed for the telegram counter. There I first faced these two signs -

 

The image on the left gives standard telegram phrase codes. These phrase charts are available with all the offices and using them, a long standard phrase can be sent for minimum cost of telegram. The other image showed that my little fun telegram endeavour would have been much cheaper before April 2012 when the rates were increased from Rs. 1.50 to Rs. 28 as the minimum cost of a telegram.

However, regardless of the cost I had to send one before the service died out and I decided not to use a standard phrase so that I write a message of my own.

The Message

In the enthusiasm of finding out how to send a telegram, I had not had much time to decide what to send and to who and these were the questions that I faced as I took the form the person at the counter. The form was printed on paper so thin and old that it could very well have been from the 1800s. Since it was no festive occasion and since I had neither good nor bad news to spread, I decided to send a congratulatory message to my friend Mr. GP* who had just been offered an internship at a reputed company.
* -See this older post to read about how we sampled the food at the Good Luck Cafe, the only Mumbai eatery which serves Emu meat.

Why telegram is the forefather of telephone!

Twitter has kept the awkward phrasing spirit of telegram alive today by virtue of its character limit. In the older telegram technology the limit is of words since each word after the first few costs extra. PM Nehru’s famous diplomatic telegram to PM Atlee in 1947 about Kashmir, is believed to be long by telegram standards and even that consists only of 230 words. (You can see the transcript here)

I believed that for an innocent first timer I had done well. I thought I had written a 22 word telegram (or 24 words with my name) which would cost me the minimum charge of Rs. 28 since that was the cost for the first 30 words.

That unfortunately familiar feeling of reading the telephone bill and finding that you have to pay for absurd Value-Added-Services that you don’t need or you never knew were chargeable in the first place, it hit me when the person at the counter asked me to fork out Rs. 35 though I was confident of having stuck to 30 words. Apparently I had to pay for the words in the address though nobody had bothered to tell that.

It was then that I could accept that telegram is indeed the predecessor and ancestor of the telephone. There is absolutely nothing defines telephone service providers as much as hidden and unexpected charges do.

The Delivery

Shockingly enough, there was no same day delivery inspite of the fact that I was sending a telegram within the city with the destination no more than 20-30 km away. When it finally arrived 3 days later, Mr. GP had a good laugh and sent me this photograph below which shows that it arrived at the Andheri Telegraph office within 3 hours but they somehow took 3 days to deliver it. I have heard from others that apparently more serious messages especially carrying the news of any death are delivered faster.

Interestingly enough, perhaps in order to ensure that the traditional mystery and enigma surrounding the technology is not lost, the message came with lines of random text at the bottom below the words.

Though the delivery delay was slightly miffing, I enjoyed the experience of sending a telegram before the service closed down for good.

The last telegram in India will be sent on 14th July and the service has already been long dead in most of the countries around the world. So, if you want to take benefit of this old time tech to send something to your friend, you just have one week left!

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Transparency lesson from the past!

Interning at an office in South Bombay has meant that I found time to and had to go to several colonial buildings including the Bombay High Court, the Esplanade Centre of Magistrates’ Courts, the Central Telegraph Office and the Victoria Terminus (now – CST).

I noticed a common feature in these beautiful public buildings built in the late 1800s or early 1900s. To ensure transparency, these buildings carry a great many details on their prominently displayed plaques. These plaques have details of not only when was the building sanctioned and who built it but also about the chief designers, engineers and most importantly the difference between the estimated and final costs of the project.

Take a look at this plaque at the Central Telegraph Office*.

* – The image says General Post Office because it was built as the GPO but later on  when the present GPO building was built it was made the Central Telegraph Office.

The very detailed plaque above shows that the massive building was completed in just about three years from 1869 to 1872 and that the actual cost of ₨. 5,94,200 was actually about five thousand rupees lesser than the sanctioned cost of ₨. 5,99,992.

This plaque is infact a tool of accountability and transparency. The name of the architect along with the names of those who were incharge of the construction is out there literally etched in stone for everyone to see. 

Another example of such a plaque is the image below (taken from http://www.greatmirror.com) which I believe is of the building presently housing the Maharashtra Archives.

 

Let’s bring back this practice…

This practice of elaborate plaques has been almost completely abandoned today. I don’t remember seeing any post-independence building or structure of which so many details including the name of the architect and the cost of construction is available on the structure itself. While plaques still exist they tend to only highlight the names of the so called VIPs who inaugurated it.

With several infrastructure projects and public buildings in Bombay (and other parts of India as well) being way behind schedule and extremely over budget, this could be an effective way to put pressure on contractors to finish on time an within budget because if the don’t, their shortcomings would be on display for the world to see, for ages to come. It is also a transparency mechanism since when the people see how many taxpayers’ rupees were spent on a particular building or project they would be able to gauge for themselves if it was money well spent.

In our hurry to move forward and progress, it is not really wise to leave behind the wisdom of the past!

Do comment and let me know if you have ever seen in Bombay,a modern building plaque that states anything apart from the name of the VIP or VVIP who inaugurated it!

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