New rules may not bring in bigger returns

INSURANCE POLICY
By Abhishek Anand

Once the new ULIP guidelines are in place, the returns in many cases could be much lower. But the insurers dispute this
Illustration:  Samia Singh

THE INITIAL euphoria over the new regulations governing unit-linked insurance policies (ULIPs) may be misplaced. Even with the new guidelines, which envisage staggered commissions for agents and brokers, the net return to customers may not change much. This is primarily due to premium allocation charges being levied through the term of a policy.
The charge is deducted from premium before it is invested. Under the old ULIP structure, most products charged premium allocation fees for only a few years. Under the new structure, however, such fees would be charged over the entire tenure of the policy, which could be 15 years or more, resulting in more subdued returns than was earlier estimated.
In many cases, the returns could be lower. This is borne out in an “internal illustration” carried out by Aviva Life Insurance Company India Ltd for its own use, concerning two of its products. It says, if a person pays an annual premium of Rs. 50,000 for 20 years in Aviva Freedom Life Advantage, the projected fund value in the new regime would be Rs.15,85,993 against the projected fund value of Rs. 16,31,068 as per the older regime, indicating a loss of Rs. 45,075. The “illustration” presumes an annual return of 10 percent.

Once the new ULIP guidelines are in place, the returns in many cases could be much lower. But the insurers dispute this

Asked whether the return on ULIPs over 20-25 years would be lower in the new structure, GV Nageswara Rao, chief executive officer of IDBI Federal Life Insurance Company Ltd, said,“The returns will remain at par with the older regime. But there would be other benefits, such as lower surrender charges and more riders. Even the number of products would decline, resulting in less confusion among policyholders.”
Rahul Aggarwal, chief executive officer of Optima Insurance Brokers, agrees. “The returns on policies having a maturity of 7-8 years will definitely increase, though this may not be so in the case of a longer regime. The whole idea of the changes in the ULIP guidelines is to increase transparency,” said Aggarwal.
The new ULIP guidelines kicked in from 1 September. IDBI Federal has launched one new ULIP and Aviva Life two products. Other insurance companies have together launched close to 50 new products. At the same time, some 250 ULIP products have been withdrawn. Companies such as ICICI Prudential Life Insurance, Reliance Life Insurance Company Ltd and Tata AIG Life Insurance Company Ltd have withdrawn more than 10 products each. And Life Insurance Corporation of India, India’s largest insurance company, has withdrawn nine.
Illustration: Samia Singh

Till threats keep us together

 
A startling film on groom kidnappings almost failed to see the light of day. Aastha Atray Banan speaks to the director of Antardwand on his struggle
AT A TIME when Khap killings and female infanticide have stopped raising eyebrows, a film is all set to change our perceptions. When director Sushil Rajpal decided to make a film on groom kidnappings, also known as jabariya shaadi, a social practice flourishing in the hinterlands of Bihar, little did he know that he was embarking on an arduous journey. Antardwand, which was completed in 2007 and won the National Award in 2009, couldn’t be released in India before 2010. The reason? The distributors didn’t consider it economically viable. But Rajpal didn’t give up. Several challenges later, his efforts seem to have paid off as the film releases under the PVR banner this week.
A particularly shocking scene in the film shows alcohol being poured down the kidnapped groom’s throat as he is beaten and forced into a sherwani. Meanwhile, the bride is being pampered during her haldi and then dressed in a beautiful saree.
Inspired by the true story of Rajpal’s close friend from Delhi, the film was a labour of love for the debutant director. “I never thought an incident that happened 20 years ago would still be relevant today. But the practice is still rampant in Bihar and parts of Uttar Pradesh. Out of 3,000 kidnappings last year, 1,000 victims were grooms. It is usually done to avoid giving dowry,” says Rajpal. While Rajpal’s friend ran away, he could never get married as the bride’s family slapped a case against him, which he continues to fight till date. “Most grooms submit to their fate. The ones that run away have charges of abandonment slapped on them. If the marriage has been consummated, then getting a divorce is even harder,” Rajpal adds.

Best man Rajpal’s script was inspired by a friend’s experience
Best man Rajpal’s script was inspired by a friend’s experience

Raj Singh Chowdhury, who plays the protagonist Raghuveer, says playing the groom in distress was frustrating — “I am from Rajasthan, where female infanticide is still prevalent. How does one change the way people think? It’s an innate part of their system.” Even Swati Sen, who plays the demure bride, was dumbstruck when she first read the script. “The bride suffers as well. All she wants is a normal marriage and a husband who loves her. But she is stuck with a man who doesn’t want her,” she says.
DESPITE THE distributors’ initial scepticism, Rajpal found favour with some of the biggest names in B-town. “Everybody has their reasons to release a film. Distributors need stars. My friends and the producers with whom I had worked as a director of photography helped me fund the project. Once we won the National award, PVR came on board,” he muses, saying he doesn’t blame the film industry. “So many people did help — Anurag Kashyap, Rajkumar Hirani, Imtiaz Ali — all came out to support the movie.” Incidentally, Rajpal, a cinematographer- turned-director who studied at Pune’s FTII, also worked on Ali’s Jab We Met and was director of photography in Pradeep Sarkar’s Laaga Chunari Mein Daag.

‘Out of 3,000 kidnappings in 2009 in Bihar, 1,000 victims were grooms. It’s done to avoid giving dowry,’ says Rajpal

Shot in the stark landscape of Bihar, the film’s desi dialect and strong performances give it a realistic edge. The final word comes from Hirani, who says, “The film is inspiring because the story is simple and strong. I was shocked to see that the practice still continues. If Rajpal had told me six months ago that he had problems releasing it, I would have released it for him.”
aastha@tehelka.com

Whatever happened to JJ school?

Once a grooming ground for eminent artists, the premier school now faces flak for being outdated, reports Aastha Atray Banan

A model’s pose in the anatomy class has not changed for the past 25 years, says Sandra Khare, an alumnus of the JJ School of Art
A model’s pose in the anatomy class has not changed for the past 25 years, says Sandra Khare, an alumnus of the JJ School of Art

BLACK, WHITE and brown. If you thought these were the only possible complexions humans could have, then it’s time to enter the world of 24-year-old artist Sakshi Sathe. If a model is sleepy, she would rather use red, when sad navy blue and when sporting a smile silver is her best bet. But she never did get a chance to test her wild fantasies at her art school, the JJ Institute of Applied Art in Mumbai. “If I am told I can only work with peach, pink, beige or brown, how will my interpretation of the model be different from the rest? Everything is according to the syllabus. Art is treated like math,” says the artist who passed out of JJ School two months ago.
With its celebrated campus and famous alumni, who include the likes of Tyeb Mehta and Atul Dodiya, the historic institution is just not “with it” any more, students moan. “Installation, video art, performance art — nothing is mentioned at JJ,” says Sakshi. Others complain that the focus is on complying with the syllabus. Some rue that none of the teachers practise art.
Manisha Patil, the dean of JJ, agrees that the art school is lagging behind and needs to reinvent itself. “A committee met over proposed changes in the syllabus earlier this year, but nothing happened. It is a great institution but needs a little help to woo students. Despite being located at the heart of Mumbai, it’s not as cosmopolitan as it should be,” she says. Sandra Khare, director of the Chemould Prescott Road, a contemporary art gallery and an ex-student of JJ is vociferous in her critique of the famed college. “Take the case of the anatomy class where the models and their poses have not changed in 25 years. Composition is a repetition of a so-called creative idea and form that negates the definition of what an ‘idea’ is. Students cannot even choose their colour palette.” Painter Justin Ponmany who also studied at JJ, says, “The students can be the change they want to see. They can organise workshops and meet artists.”
MAYBE IT is high time the board of education took a look at the way art is taught. Suresh Jayaram, former principal of the Karnataka Chitrakala Parishath, says, “Art education should focus on creativity and must centre on experimentation. Most teachers don’t talk about contemporary art at all; they don’t even know what’s happening in the art world,” he says.
The students of Srishti School of Art, Design and Technology in Bengaluru tell a different story. The school has introduced a course on gaming art, refreshes its course every year and has a faculty of professional artists. Ampat Varghese Varghese, academic dean (professional diploma programmes), feels that the job of an art school is to enable the student to look into the future. But could it be compromising on the basics? “Art history is just touched upon,” admits Pia Alize Hazarika, an alumnus.
But schools like Srishti are out of reach for an artist from a small village. A fee of Rs.2 lakh per year for a course does not sound as good as JJ’s modest Rs.3,000 a year. Government colleges are cheaper and often the only choice available to aspiring artists. Till the government takes art seriously, all that these students can do is “suck it up”. One hopes that these art schools see the light that Michelangelo tried to spread when he said, “A man paints with his brains and not with his hands.”
Illustration: Samia Singh
aastha@tehelka.com

Third-party cheques only in special cases

MUTUAL FUND FRAUD
By Abhishek Anand
TO OVERCOME frauds and mitigate money laundering, the Association of Mutual Funds in India (AMFI) has instructed mutual fund companies not to accept third-party cheques from 15 November — albeit with a few exceptions.
Third-party cheques are those, whereby payment is made from an account other than that of the beneficiary — the investor. AMFI recently told the mutual fund industry to accept third-party cheques only in cases where investments are made by parents or relatives on behalf of a minor; an employer invests on behalf of employees; or a custodian on behalf of a client, including a foreign institutional investor.
In the rest of the cases, customers submitting cheques issued by others will no longer be able to invest in mutual funds. And they will be required to provide details of their bank accounts — those from which payments are made, and the ones in which their mutual fund holdings will be redeemed.
Says AMFI Chairman AP Kurian: “To save their skin, fraudsters invariably use someone else’s cheques. AMFI has also proposed to extend the KYC (Know Your Customer) norms to investments as low as Rs. 1. Currently, these apply only for those above Rs. 50,000.

A man is arrested after showing how an EVM can be hacked. What will they do with him now?

By Aastha Atray Banan

Poll-axed Hari Prasad collaborated with US researchers to present claims that Indian EVMs can be hacked and tampered with
Poll-axed Hari Prasad collaborated with US researchers to present claims that Indian EVMs can be hacked and tampered with
Photo: Indiaevm.Org

IS TECHNOLOGIST Hari Prasad a reformer or a thief? Prasad, a technical coordinator with VeTA (Verifiability, Transparency and Accountability) had recently co-authored a paper questioning claims that Indian electronic voting machines (EVMs) were fully secure. VeTA is a citizens forum that deals with election-related issues.

After an EVM went missing from the Mumbai Collector’s office, where the machines are stored, police claimed it was the one Prasad had used for a televised demonstration earlier this year — showing how the EVMs could be tampered with. In India, they are manufactured by two state-owned companies. The one Prasad is alleged to have stolen was made by the Electronics Corporation of India.

Prasad told interrogators that it was a government official who gave him the EVM; that it was returned; but he cannot recall whom he got it from.

While chief investigative officer API Ravindra Wani claims that his team is looking into “all possibilities”, Prasad’s advocate, M Kalyana Rama Krishna, is convinced that his client, who was arrested from his Hyderabad home on 21 August, is being framed.

“Last month, he was summoned by the Mumbai Police to appear as a witness, in case he was acquainted with the facts,” Krishna says. “But he could not make it, because that same day (10 July) he had a meeting with Chief Election Commissioner (CEC) SY Qureshi. So I sent a telegram to the police. Prasad had then told me that the CEC had promised to take action regarding the EVMs.

“But on 14 August, while he was attending to a sick relative in Visakhapatnam, he got a second summon asking him to appear as a witness. We sent another telegram with his tickets attached, days after which he was arrested.”

Krishna’s argument is: Had Prasad really been guilty, would he have gone to meet Qureshi? And would not the CEC have ordered his arrest? His petition will press the point once Prasad completes his police remand on 26 August.

MUMBAI IS rife with rumours of a frameup, with VeTA having the silent backing of the media and advocacy groups. According to Prasad’s video — made in collaboration with researchers from the University of Michigan — Indian EVMs are vulnerable in two ways. First, by replacing a certain part of the machine, it was possible to programme it for stealing votes to favour a particular candidate; and the instruction to steal could even be sent from a mobile phone. Then again, hackers could use a pocket-size device to alter the number of votes stored in an EVM between the polling and the counting of votes — which in India can take weeks.

Opposition parties, including the BJP and the Left, had raised fears of EVMs being susceptible to hacking. But the then CEC, Navin Chawla, dismissed the claims saying private manufacturers, who had failed to sell their machines, were behind the propaganda.

Says VV Rao, VeTA’s national coordinator and the main petitioner in the Supreme Court against the use of EVMs: “After conducting surveys in eight states, I had listed the various problems plaguing the EVMs, of which Prasad and his team gave a practical demonstration.” Although the EC challenged their findings, and came out in support of the manufacturers — who slapped a case on VeTA that has since been withdrawn — the watchdog has continued with its mission.

aastha@tehelka.com

The Mystique In His Calculations

A new play bravely traces the genius of Ramanujan, but does it thicken the mist around mathematics it wanted to clear, asks Aastha Atray Banan

Disappearing genius UK based Complicite’s play recreates a lost passion for math, through the story of Ramanujan
Disappearing genius UK based Complicite’s play recreates a lost passion for math, through the story of Ramanujan  Photo: Joris Jan Bos

 
IF YOU’RE the type that puts the numb in numbers, if you ever sat in math class convinced that every passing moment was draining the very soul out of you — Simon McBurney’s play, A Disappearing Number will be nothing short of a revelation. Recently staged in Mumbai by the UK-based theatre group Complicite, the plot of the story explores the unusual relationship between the legend Srinivasa Ramanujan and Cambridge University don GH Hardy.
In spite of his negligible formal training, Ramanujan is legendary for his contributions to mathematical analysis, number theory, infinite series and continued fractions — in short, he was what present-day mathgroupies would describe as a rockstar. For arithmophobes, the non-linear narrative locates math in a place one would never imagine — as art.
As the play weaves through different time zones and spaces — from Chennai’s bustling streets to Cambridge’s quiet surroundings — it describes Ramanujan’s life through music, dance and a continuous exchange of emotions through eras. “I guess the story could not be told in a linear way because not much is known about Ramanujan’s life, apart from his mathematics. In many ways, it defines him. One could almost say it engulfed him,” says Mrudul Bapat, a professor of mathematics who took students from her BSc class to watch the play.
Although Bapat hopes that the experience will result in a renewed zest for the subject in her students, she also feels that the production mystifies math too much. “He was a genius. His math was based entirely on intuition. He hardly ever needed to put his calculations on paper. So it was quite literally like creating formulae out of the thin air,” she says, adding with a pause, “But that doesn’t mean all mathematicians are like that.”
THE MAIN body of work is interspersed with the presentday story of a globe-trotting Indian-American businessman, and his math-lecturer partner. The partner travels to India in search of Ramanujan’s legacy and eventually dies in his land of birth. British actor David Annen, who plays the role of Hardy, finds the race dynamic of the story more interesting, “Hardy never saw Ramanujan as black or white or brown. He just saw his genius and in a way he discovered him. That’s why he described it as the one ‘romantic incident’ of his life. Even the modern-day love story is so touching that it will reach out to each member of the audience.”
For McBurney, who describes math as ‘the only real thing in the world’, the subject is automatically enveloped in an aura of mystique. When Ramanujan, who starts out as a poor south Indian Brahmin, says, ‘It seemed as if Narasimha was tearing out math from my guts’, the viewer can almost see the creative torpor involved in the creation of something as drab as a theorem. “Math is not unlike poetry or art, it involves seeing patterns in abstraction. But to appreciate its ultimate beauty, you still need to practice those formulae!” laughs Bapat.

‘Whenever I grow a beard, my wife calls me a terrorist’

By Aastha Atray Banan

AT THE AGE OF 13, the spirits of the ouija board told Shylaja Gopal that her husband’s name would be Murtuza. She laughed it off, but her mum wrote it down on a paper and kept it, reminded of her own teenage experiments with the ouija board. In 1998, when Shylaja was working as a stewardess based in Chennai, she met a purser called Murtuza Rai on a flight. But at that time, there was another problem — she had a Muslim phobia. “I couldn’t help it. There have been so many terror incidents of late that one tends to be wary,” says Shylaja, 33, sheepishly. Tracing her old prejudices, she says, “I had a friend who had a Muslim boyfriend who would treat her very badly. He wanted to know where she was, who she was with, would tell her what to wear. I just assumed that he behaved that way because he was Muslim,” she says. But one evening spent with Murtuza in Delhi after they flew together was enough to erase her ill-formed apprehensions.
“Once you meet a person who challenges your preconceived notions and prejudices, you can’t help but get swept off your feet. We started dating a month or so after meeting each other,” says Shylaja. They spent four years flying together, getting to know each other better and playing very competitive pool. Finally, it was time to tie the knot. But then, there was a new problem. Shylaja belonged to a Hindu family from Kerala, while Murtuza was the son of a Punjabi father and a Muslim mother. Her parents were quiet and conservative, while he hailed from an Army background and had grown up in a liberal atmosphere. “It was hard to break the news to my parents. I had thought I would have an arranged marriage. My parents had been showing me pictures of potential matches for some time. I told Murtu, ‘you better get married to me or I am picking one of the photos’,” Shylaja remembers. “I knew opposition was inevitable, though later my mum told me she had reconciled to the ouija board’s predictions,” she says.
Everyone had an opinion and they expressed themselves often. “There was bound to be a clash of cultures, but they were in love, so I was sure it was obviously going to sort itself out,” says Ashwin Shetty, Murtuza’s best friend and former roommate. Shylaja’s best friend, Ramya Rai, was not as optimistic. “When you are younger, you think so differently. He was a Muslim and I tried to talk her out of it. I reminded her of how different their backgrounds were. What if he changed after marriage?” she says, adding, “Also, he never liked her partying too much with me when he wasn’t around. So he and I didn’t like each other. I didn’t think it would last,” she says, “but then I saw she was happy with him. So I changed my mind.”
“What was most time-consuming and annoying for both families was deciding a way in which to get married. South Indian, Islamic or Punjabi — that really got everyone’s goat. We finally decided on the safe option of getting our marriage registered,” laughs Murtuza, watching their one-and half-year-old son Rehaan run around. “After that, nobody said anything. Her parents got to know me, and mine got to know her. So they settled down quickly. And now with a grandson, nobody even remembers us anymore.”
TODAY THEY have got everything going for them. Shylaja works for a shoe retail brand, while Murtuza is an aviation trainer. They still are competitive pool players but their son takes up most of their time. Their relationship seems unhurried, relaxed and devoid of drama. “That’s because love is friendship even though that phrase has been a cliché since Kuch Kuch Hota Hai, but that’s why we work. I point out the hot girls to him whenever we go out,” she says. So has she got over her Muslim phobia completely now? “Not really,” she guffaws, “I still tease him every time something happens. In fact… ” He intervenes, “She refers to it all the time. Right now with my French beard, I am called a terrorist. Damn that Bin Laden!”
Photo: MS Gopal


‘My parents couldn’t believe I was rebelling for a Catholic boy’
By Aastha Atray Banan
SHRADDHA KENY’S parents had a simple historical fact to cite when they opposed her marriage to Noel D’cunha, a middle-class Catholic boy. The Saraswat Brahmin family from Goa had been hearing tales of the Christian crusade against the Hindus in Goa. The duo met at the National Institute for the Hearing Handicapped in Mumbai, where Shraddha was an audiologist and Noel was the PA to the director. When they did get married, Shraddha’s father refused to speak to her. But Noel cuts in and smiles, “I think another reason that upset her family was that I was not as well off.” Despite his fury, her father attended the wedding. “I knew he couldn’t stay angry forever. And once they really got to know Noel, I was sure they would like him. But my brother never adjusted, and we don’t even speak to each other now,” says Shraddha. They cook together, take long walks together, but their son Pancham, 14, is their biggest indulgence. “When I cook beef, he asks, ‘Mama, you are killing your mother?’, and I just say I am only cooking for my son and husband.” So would they let their son marry a girl of his choice? “I want him to become a priest and never get married,” says Noel with a big grin.
Photo : Nikita Sawant


‘Even the passport office questions our marriage’
By Aastha Atray Banan

VJ MINI Mathur almost missed meeting her husband, director Kabir Khan, all because she was going to refuse a TV project, citing date troubles. Even Kabir, who was the director of photography for the project, was planning to step away. But as Mini puts it, the day they saw each other “alarm bells rang”, and they ended up completing the project so that they could be with each other. But though it was love at first sight for the couple, Mini knew it was not going to be smooth sailing. “I am a Mathur from Delhi, and Mathurs only marry Mathurs. So the fact that I wanted to marry a Pathan was going to be a hard pill to swallow for my family. So we planned to take a slightly different approach.”
Their slightly different approach turned out to be a brilliant plan. Mini slowly introduced Kabir into her home as a friend — a friend who wowed her father with his knowledge of the world. “He used to travel a lot, and would send me formal postcards. Those postcards were actually meant to be seen by my father, so that he would know what a worldly man Kabir was,” she laughs. “After a few years, my parents asked me why I wasn’t considering Kabir as husband material. My father said that ‘the difference between a Khanna and a Khan is just NA, and that means Not Applicable.”
FOR KABIR, introducing his would-be bride was simpler. His father, a Pathan, had eloped with his mother who was a Telugu. “My grandfather was a high court judge in Hyderabad and was very conservative. My parents went to America to study and got married there, and that caused problems in both families for some time. The fact that they went through such an experience made sure that in our home, we were never raised to give religion that much importance,” says Kabir who has directed films like Kabul Express and New York. The couple got married, keeping both Hindu and Muslim rituals in mind. “We had a registered marriage but I also insisted on having mock pheras, and then dressing up in a sharara for my reception,” she says. Mini admits that cultural differences are inevitable. “For example, they don’t read the namaz but I do the puja.”
The couple’s relationship came into the public eye in 2009 when the director landed up at the passport office as he wanted to visit his wife in Malaysia. A government officer asked him, “How can a Mathur be married to a Khan and how can his wife have a different name and that too from another community?” Kabir was shocked. “Who are these people to ask me that when my Constitution gives me the right to marry who I want?”
After 11 years of bliss, they are now the parents of Vivaan, 7, and a year-old Sairah whose last names are simply Kabir. “For them to understand what their last name means, they need to know what religion is. They also have the freedom to marry who they want. By the time they grow up, this will become a non-issue,” says Mini, concluding, “love is defined by intellectual and emotional bonding. What role can religion play?”


‘My biggest adjustment after marriage was learning Marathi’
By Rishi Majumder

SHALINI THACKERAY, the Mumbai North West candidate for the Maharashtra Navnirman Sena (MNS) was a prime talking point during the 2009 Lok Sabha elections. Why? Like any other MNS contestant, she espoused the Marathi manoos cause and justified party president Raj Thackeray’s hate campaign against north Indians in the state. And going by the Thackeray family’s protracted list of entrants into Maharashtrian parochial politics, the fact that Shalini is a Thackeray doesn’t stand for much novelty either.
Or doesn’t it? Shalini Thackeray, before her marriage to Jeetendra Thackeray was Shalini Bhagat, a girl from a Punjabi Sikh family based in Rae Bareilly, Uttar Pradesh. She was a ‘north Indian’ by even the MNS’ narrow definition of the phrase. Raj Thackeray likes to set himself apart from other leaders who trade on identity politics. In one of his speeches he had said that by ‘north Indians’ he refers only to those from Rajasthan, UP and Bihar.
But all this was before Shalini’s marriage to Jeetendra Thackeray. In 2009, if Jeetendra’s cousin Raj was the hot new face of Maharashtrian intolerance, Shalini was his sweet foil. Her very existence, it was hoped, would usher in universal appeal for the MNS. Someone had to explain to the world that Raj Thackeray had nothing personal against the north Indians he was lambasting in Shivaji Park and asking to leave. And who better than his north Indian sister-in-law to do so?
Shalini and Jeetendra had met as students in RA College of Commerce, Mumbai. Shalini had run the family business for years before joining politics and is proud of the MBA she acquired in the US. But Jeetendra and Shalini have been with the MNS camp since its inception. Jeetendra was Shalini’s campaign manager during elections. “Joining active politics wasn’t on my mind at all when I first came into the family,” says Shalini. Today, as someone firmly entrenched within the MNS, Shalini is careful to measure everything she says about her family. “Yes, there were adjustments I had to make when I got married,” she admits. This she follows with an instant disclaimer: “But they are the adjustments any girl who gets married into a family with a different cultural background would have to make.” Ask her what the biggest adjustment was in the process of becoming a Thackeray bride and she responds, “Well — the language. I used to know only smatterings of Marathi. But after marriage I had to make it my own.”
ONE IMAGINES that it isn’t easy being a Thackeray. While many individuals who marry into that culture might choose not to adopt the ethos and retain their own, one would imagine that Shalini did not have that option.
But she protests this assumption vociferously: “There was no pressure on me. I chose to accept my family’s tradition and legacy.” And again, she likens all her fears about marrying into the Thackeray family with the “fears any girl marrying into a family with a different cultural background would have.”
What about her children? What if they married non-Maharashtrians? Or ‘north Indians’? “Why look into the future?” she asks. “I will bring them up with an excellent sense of sanskaar. And then I’ll let them make their own choice when they’re at the right age to do so.”
Why look into the future? Because 36 years ago, a fiveyear- old Sikh girl had come into Mumbai from Bareilly. Today that girl is a 41-year-old woman. The woman who says Raj Thackeray is sadly misunderstood is firm that there must be a “cut-off point for migrants into the state”. The catchphrase of her 2009 poll campaign was: “I can cook both puran poli as well as kadhi chawal.”


Bhavana Yadav &<br /><br /><br />
Priyadarshan Pathak<br /><br /><br />
MUMBAI<br /><br /><br />
BEEN TOGETHER 16 years<br /><br /><br />
BIGGEST HURDLE Caste difference
Bhavana Yadav &<br /><br /><br />
Priyadarshan Pathak<br /><br /><br />
MUMBAI<br /><br /><br />
BEEN TOGETHER 16 years<br /><br /><br />
BIGGEST HURDLE Caste difference

‘Mother forbade me from marrying into a shepherd family’
By Anumeha Yadav
MUSIC TOH banaata hai par kaam kya karta hai?” Her mother’s question haunted Bhavana Yadav when she decided to be with music composer Priyadarshan Pathak. Being the eldest daughter of a Yadav family, marrying a middle-class Brahmin boy was forbidden. Yet when they met at Shovana Narayan’s kathak class in 1994, they couldn’t help but fall in love. Family intervention followed soon after. “My uncles threatened to cut off all ties. One day, after spending four hours explaining my point of view to my mother, she asked me, ‘She is still from a shepherd family, isn’t she?” says Priyadarshan. When he moved to Mumbai to try his luck in Bollywood, Bhavana started facing pressure to meet arranged matches. But their resolve to be together led them to tie the knot in 2000. Not that the years after marriage were perfect. Bhavana struggled to cope with her new life in Mumbai. It was three years before she started her current job as a psychologist. Priyadarshan is still waiting for a break in Bollywood, though he has composed music for teleserials on Doordarshan. Ask them about one thing that has come easily to them and the duo echos, “All these years of togetherness.”
Photos : Nikita Sawant, Tumpa Mondal

Pinki Goes Kinky

Plastic, leather, electric, glow-in-the-dark. Are sex toys bringing zip to the Indian bedroom, asks Aastha Atray Banan
ISN’T SEX a natural desire?” Pinku of Sai Electronics, a roadside stall in a busy lane near Flora Fountain in Mumbai, asks nonchalantly. It’s a great sales pitch for the hoard of vibrators, dildos and sex creams he sells openly alongside cheap radios and pirated movies. “What kind do you want? German? Remotecontrolled? Finger vibrators? Latex? Speak freely. Nobody feels shy anymore. Young girls, boys, aunties, uncles, middle-aged couples — all come and ask for this stuff freely. Then what’s the sharam for?” he smiles as he gets back to professional haggling.

Illustration: Anand Naorem

Section 292 of the Indian Penal Code, which defines the term ‘obscene’ makes the sex toy illegal and its sale and distribution, consequently, criminal. But where the IPC has fallen behind the times, Indian couples haven’t and where there is a demand, the enterprising Indian trader is not far behind. Now you can buy finger vibrator in New Delhi’s Palika Bazaar or the battery- operated ‘rabbit’ (Rs 5,000—Rs 10,000) in Mumbai’s Crawford market. And for those with a taste for S&M — whips, masks and naughty outfits from the backrooms of lingerie shops. These are all appropriate gifting options now, especially for couples getting married or from one spouse to another on Valentine’s Day.
In India, the customers are surely not spoilt for choice, but are trying to make ends meet whatever way they can. As psychologist Seema Hingoranny puts it, “Indians want to experiment and they are doing so, but they still feel that if they admit to using a vibrator, that means their sex life was horrible to start with.” But newly-married Samiya Shakeel, 22, regards that as hogwash. She often dresses up as a dominatrix and uses a whip on her husband, and he is certainly not complaining.
“I buy these whips that small lingerie shops in Bandra sell and then I often role play as a dominatrix or a naughty nurse who likes to spank her patients. This whip gives a nice whack on the tushy,” laughs the PR executive. “You have to move with the times. I want to keep my sex life alive. And these toys help me. I am surprised they are banned.”

‘Nobody feels shy anymore. Young  girls and boys, aunties, uncles — all come for this stuff,’ says a dildo seller

Namita Gupta, a 24-year-old singleton from Delhi, often buys her fix from a chemist next to her house. “Durex has come out with these finger vibrators, which are too much fun. They also sell cock rings, which your man can wear and double the pleasure.” she says.
Bhavik Shah, a writer from Mumbai, agrees, “My girlfriend and I have tried glowin- the-dark condoms, which themselves make the act so much fun. She also wears this shiny outfit that has a whip attached as a tail. What fun!”
The dildo — dismissed as a “masturbatory machine for sexually dysfunctional females” in The Journal of Popular Culture in 1974 — could be a sign of the slow, silent but rapid sexual revolution taking place in our metros. Indians are edging towards sexual maturity, their growth halted by an anachronistic government. As Elton John once said, “People should be free to engage in any sexual practices they choose; they should draw the line at goats though.”
aastha@tehelka.com

No One Killed Rani

Have you heard the rumours that Rani Mukerji has turned into a recluse, that she sees no one anymore? That she is the new Rekha? Aastha Atray Banan set out to meet her on a rainy night and came away startled

Photo: Deepak Salvi

MUMBAI IS FULL of bored jibes about Rani Mukerji. She is over. She smells of failure. She is too short, too old to work in slick, new Bollywood. She is married to Aditya Chopra. She is just living with him like she did with Govinda. The senior Chopras hate her and she has to clear out whenever they are around. They don’t care about her. Alongside snippets about her role in the forthcoming Rajkumar Gupta film, No One Killed Jessica, fly fantastical rumours that she has turned into a Rekha-like figure. Could it be that the girl with the polarising tenor (love it, hate it, deal with it), the caper-loving Babli, the girl who played any number of overwrought, teary good girls has turned into a Garboesque recluse who ‘vants’ to be alone?
Rani is certainly not the kind of actress you trip over at Gloria Jeans in Bandra and chat up. A couple of weeks of phone calls are the investment required for an appointment. On the day, there is a tremendous downpour and Rani is late and you wonder. Has her poor run with men sunk her in self-pity? Has Rani succumbed to depression because of failure? Waiting outside in a Mumbai storm can foster any dark, Gothic ideas you might be nurturing. Reality turns out to be rather different.
In her opulently done Juhu pad, with huge mirrors and vintage rugs, the big, wide trademark smile is in place but Rani Mukerji is an unnerving presence. The warm hazel eyes are steely enough to make you squirm a little in your seat. The cruel tabloids may be dying to feature her in the ‘where are they now’ section but Rani’s aura seems to have magnified several fold. Could it be that she has grown?
At 32, she looks better than she ever has. Yoga has made her slender. Dressed in a short skirt and minimal makeup, she retains a regal air. Lauren Bacall once said, “I am not a has-been. I am a willbe.” Rani would approve of Bacall’s style. It is unlikely she has read the quote though. She doesn’t read, she says. Unlike several young ladies who manufacture reputations as frenetic readers and think that Jane Austen was a Victorian and thinks Omair Ahmed is a medieval poet, Rani says flatly that she does not read. ‘I don’t read much — I have an allergy to the smell of books. Really!’
Rani makes these revelations but this is no invitation to get closer. You are always painfully aware of the Lakshman Rekha around her, one she will never cross and you better not even try to. She has no desire to be thought of as Everywoman. As she makes clear when you gird your loins and ask her about the rumours that she has turned into a hermit. She launches into a surprising and convincing discourse on the nature of fame and how it has changed in the 15 years that she has been in Bollywood. “I blame it on Twitter. Everyone has become so accessible. Today, stars function and manage themselves very differently. They chart down everything they do daily. They give stories about themselves to the press and even about other stars! There are stories about stars buying a new phone, stars fainting… when did this all become news?” she says part resigned, part disgusted.
“When I started, things were done differently and film journalism was not about churning out tabloid titbits. To me, being exclusive and being mysterious is what makes a star. I guess that’s why I haven’t changed at all.” She rarely calls herself a heroine, an actress or even the now-popular actor — only star.

‘To me, being exclusive and being mysterious is what makes a star. I guess that’s why I haven’t changed at all,’ says Rani Mukerji

UP, DOWN, ROUND ABOUT
Even committed Rani haters would find it hard to deny her star quotient. She arrived with Raja ki Aayegi Baraat, but got noticed opposite Aamir Khan in Ghulam (1998). Her breakthrough moment came when she bagged Kuch Kuch Hota Hai opposite her now close friend Shah Rukh Khan, directed by another close friend Karan Johar. (She once described Shah Rukh as the best thing that ever happened to heroines.) With Sanjay Leela Bhansali’s Black and Mani Ratnam’s Yuva, Rani was once at the top of the Bollywood hill. But fame has been fickle. Despite her talent and the much sought-after girl-next-door vibe, things started going downhill soon after.
Heckled at by the press and critics, her alleged love affairs with the much-married Govinda and then the muchmarried Aditya Chopra, added fuel to the fire. Rani remained quiet through it all. And hence began a different rumour mill, which asked why (like Chopra whom only the shadow knows) Rani was never seen in public?

‘She became too uppity after she got famous; that led to her downfall. You shouldn’t let fame get to you,’ says film critic Khalid Mohamed

Sipping hot water out of a mug which has the phrase ‘drama queen’ in big, black letters, Rani looks stoic when asked why she has not cleared the air. “I possibly couldn’t have given a clarification every week. It’s not in my nature to call up a journalist and say, ‘why did you say this about me’. They questioned my character and that really bothered me. I am sure directors got turned off and may have not offered me movies. When I get married, I will tell everyone,” she says.
So she is not a recluse but who are her friends in the industry? The girl next door who has acted in some of the soppiest, why-can’t-we-all-get-along movies of the decade, answers, “Friendship is a complex word. I can only tell you who my real friends are when I am old and my children have left me. The people who will spend time with me then will be my true friends.” As for now, there is her family whom she shares this house with.
Filmmakers who have worked with her, like Kunal Kohli, vouch that Rani has always been reticent and seriously invested in her family. Her Lakshman Rekha is not a new phenomenon but it just suits the new ‘loser’ narrative to make it seem so. At some point in the conversation, she says, “When you are on the top, people want to bring you down. And they will say anything to do so. But I believe in karma, and it will all come back to them.” This is the same cosmic and vengeful balancing of scales that Rani’s detractors have also been wishing for her. Well-known film journalist Khalid Mohamed says, “She became too uppity after she got famous and that led to her downfall. I know a co-star of hers who told me that Rani started telling him ‘how to act’. But see, she came tumbling down. You should not let fame get to your head.” Others are more compassionate and a little more logical. Rauf Ahmed, the first journalist who Rani gave her first interview, speaks of her fondly and adds, “the media is cruel. Even if you mess up once, they take you down badly. And then the whole Aditya Chopra rumour hurt her. And she is so talented, that’s what makes this so sad.”
But “sadness” is not an emotion Rani subscribes to. Instead, you see a small, slightly injured but visibly annoyed human being, who is not going to give her detractors the satisfaction of seeing her retreat without a fight. “I don’t need to sign many movies just to prove I exist, even though this may be the worst time in my career. I don’t need to go to all social events — I go if I am really needed; if someone just sends me a message on my phone, why will I go? I have done my time doing that. But there’s no limit to what I can do.”
AND STRAIGHT AHEAD
In Rajkumar Gupta’s No One Killed Jessica, a film inspired by the Jessica Lall case, Rani plays an investigative television journalist. Would she do a meaty role in a movie even if it wasn’t the lead? In an industry where actors prattle off practised, meaningless answers about meaningful roles, Rani makes it clear that she is not interested in crumbs. She says definitively, as if she has it all planned, “No way. I will always be the star in a movie I am in. I’d love to do a movie with an ensemble cast, but a star always is the star. Whatever role I would do would become the lead, right?”
And that’s another reason why it’s unnerving to sit across Rani. It’s because the coy, politically correct Rani we got so used to hearing about, has metamorphosed into a grownup. The girl who has made a career of being adorable, is no longer interested in pleasing people. Today, even though she has just one release lined up, she is unfazed. But now that Rani has stopped playing cute, can she make a career of it?
aastha@tehelka.com

Few takers in the unorganised sector

NEW PENSION SCHEME
By Abhishek Anand

Photo : Shailendra Pandey

THE NEW Pension Scheme (NPS) is set for a makeover. To make it popular, the Pension Fund Regulatory Development Authority (PFRDA) is considering increasing the commission of NPS agents, so that they push the product more aggressively.
NPS allows an investor to save a nest egg for retirement days. Those who opt for the scheme need to open an account and keep investing some money every month for the tenure of their choice.
The proceeds of these accounts are then invested in a mix of equity, government bonds and fixed- income instruments, depending upon age and other factors. The money in the account is divided into two tiers. One portion the investor can withdraw at any time. The second can only be withdrawn after retirement.
But the scheme has failed to attract most private and unorganised sector workers. From 1 May 2009 to 2 July 2010, it managed to win only 9,673 subscribers. “One reason for the poor response could be the low commission paid to the agents. We are considering revising the whole compensation structure,” Yogesh Agarwal, chairman, PFRDA told TEHELKA. Now walk the talk.

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