Mera Swachh Bharat Mahan!!!

It’s now 4 years since the Prime Minister Narendra Modi espoused the dream of a Swachh Bharat during his 1st Independence Day speech. “A clean India would be the best tribute India could pay to Mahatma Gandhi on his 150 birth anniversary in 2019,” said the PM as he launched the Swachh Bharat Mission.  On 2nd October the same year, the Swachh Bharat Mission was launched throughout length and breadth of the country as a national movement. After the initial dust and noise and just when we as common citizen almost forgot about the mission, it was back in news recently. All for the wrong reasons.

This time over a set of hoardings which were put by the Railways ministry in Delhi Railway station to educate people about the need to pick up trash and use dustbins.  Meant to promote the Swachh Bharat drive, the hoardings showcased apes evolving into cleanliness conscious humans leading up to Dalit icon Dr. Ambedkar using a garbage bin.  Enough for the most productive factory in the country today namely the ‘Outrage factory” to go over drive on social media to insinuate Railways and the Government of lampooning Ambedkar! To be fair, the campaign also used other icons like Bhagat Singh, Mahatma Gandhi and even the latest craze in town – Baahubali in the same context.  The hoardings have been pulled down since then. A classic example of how in India we routinely miss the woods for the trees and chase wrong priorities. Instead of an outpouring against this, probably an assessment of how the programme is working and coming up with ideas to make it work could have done Ambedkar proud and the PM happy.

On the eve of the Prime Minister’s next I-Day Speech for which he is crowdsourcing thoughts, I would like to look at how the Swachh Bharat Abhiyan has fared so far.  First up, there have been many positives since the campaign kicked off:

  • The overall sanitation coverage in the country as per reports has increased.
  • Few states have become “Open Defecation Free” – a clear target the Prime Minster outlined of making the entire country “Open Defecation Free” by 2019.
  • Toilets are being constructed in towns, villages and even in cities. Even in Navi Mumbai I have seen a few E – toilets which have sprung up along the highways since the campaign started.
  • Dustbins have been placed in many places though they may not be sufficient.
  • I hear that in Varanasi the Ghats have been cleaned and they are spic and span now thanks to the efforts of an individual – Temsutula. Similarly in Mumbai, different Citizen’s Movements have taken up cleaning of the Versova Beach and now other beaches. I understand that the Centre has picked the Versova Volunteer model for cleaning up many beaches across the country.
  • We frequently see from the Railway minister’s twitter handle pictures of many “Super Clean” Railway stations from across the country.

So far so good. But just as I suspected, while the Prime Minister’s initiative made cleanliness part of our country’s discourse, it has not been into our conscience.  In Mumbai, the notorious paan spitting out in the open has not stopped nor it hasn’t come down even. In my own office building, which got a new coat of exterior paint few months ago, one cannot miss the red splash of paan juice in the corners of stair cases when you decide to take the stairs down. Or for that matter, endless cigarette butts right under the “No Smoking” sign.  Banana peels are back near the roadside corner shops. Sights of garbage overflowing onto the street from the common garbage bins and the overbearing stench of the same are regular now.  Empty packs of Frooti, Lays chips and the like lay strewn all over the place where people gather for leisure and this is from Kashmir to Kanyakumari.

If Swachh Bharat movement is about cleaning and cleaning alone, I would admit that it is probably beginning to work.  But if you look at the movement as a mission to “Reduce” cleaning in the first place then it is tottering.

If one looks at Japan, (a country, you could say, that suffers from a neurotic disorder of maintaining cleanliness) for pointers, it is interesting. Strange as it may sound – they have fewer dustbins in public places. The underlying thought being – “Why litter in the 1st place?” Of course where they have bins, it will be a dozen of bins in rainbow colours to separate different types! More importantly, the need to clean your surroundings is ingrained as part of school education. I’m told that in Japanese schools there are no Janitors. Instead school children are taught and encouraged to do cleaning themselves. Thereby an important lesson is indoctrinated which is “If you don’t want to clean, don’t litter!!!” Tidiness in Japan is not a result of billions of Yen spent on cleaners, dust bins or Clean Japan campaigns. It’s due to people following one fundamental principle – “Don’t throw garbage in the open”!

Japanese children cleaning in schools

Back to our country, it is clear that any amount of Swachh Bharat Gyan cannot make the present and older generations to make an attempt to stop littering in the open. Our hope only is with the next generations. May be we need to follow the Japanese model of moulding our children early by making them clean their surroundings at home and school daily. So that they understand the premise that if they don’t litter they don’t have to clean. In my earlier posts on this (read here), I had mentioned that Swachh Bharat Abhiyan is not about cleaning but to cease the need for cleaning.  Well, in order for the Swachh Bharat Dream to come true, let the next generation actually do some cleaning. Time for a new slogan – “Mera Swachh Bharat Mahan”!!!

Our Tryst with GST* – * Conditions apply!!!

GST – The Good and Simple Tax, as our acronym lover PM touted during the launch on 30th June is finally a reality after almost 11 years of intense labour. This along with FDI in retail must count among the most awaited reforms in India by India observers.

So, the advent of a single tax which subsumes, at last count, some 17 different taxes and myriad cesses certainly must count as the single largest Tax reform undertaken in India. Not to forget the application of tax only on value added in the chain. Along with this simplification, the fact that goods from one state can pass thro different states without wait, harassment and accompanying corruption portend a new beginning for trade in our country. In the pre-GST era, logistics and warehousing strategy of companies have been dictated by tax compliance rather than supply chain considerations. In the sense, the number of warehouses and their size would be driven by billing point concerns rather than geographical spread of demand. In the GST era, warehousing will depend on supply and demand equations and not taxation points. And hence like in most developed countries, companies will get to run larger, integrated and fewer of warehouses. Development of more efficient logistics hubs, warehouse consolidation and ensuing FDI will become a reality soon. This is a new dawn for retail, supply chain and logistics industry.

So with all the seemingly obvious benefits of the GST regime, why is it that there is still some cynicism and negativity from different quarters about the move? Why is P. Chidambaram once the prime mover of GST when UPA was in power, cautioning all of us to “Get Set for Turbulence”? The GST in the current form is nowhere close to the one which was originally conceived. Rolling stones probably gather no moss. But a rolling GST gathered whole lot of moss on its way from the wisdom of empowered committees to standing committees to GST council. The current version of GST is a product of what I call “co-operative federal bullying”. The result is instead of the One Nation, One Market, One Tax premise, what we have is One Nation, One Market, One Tax name, 3 Sub Tax names, Multiple Rates, Few Exceptions, Some flexibilities and with an *. * – Conditions apply.

Being part of the GST council, the states in their own wisdom, ensured that we as a country don’t get away with a simplistic tax which may throw many Chartered Accountants out of jobs. However, I understand that without having a set of different GST rates (in some cases different rates for the same category as per user segments) or without excluding items like Petrol, Alcohol, Real estate,.. consensus could never have been built in getting GST off the ground. UPA’s failure to make GST a reality during their regime stems from this. So the choice before the centre was to accept what the states demand and bring about a not so ideal GST or wait endlessly for a few more years may be decades before some major economic crisis forces all concerned to come to an agreement on the ideal GST. From that point of view I agree with the stand taken by the Govt. to bring in GST in its present form with its shortcomings, with a hope of ringing in the changes in the coming years. Kudos are in order hence.

The Congress party which at every opportunity reminded us that the seeds for GST in India were sown by the UPA, however, chose to be petulance personified and boycotted the GST launch. While rubbishing the GST in its present form its main “anGST” against GST was that it is being rushed thro and should be delayed by 3 months till September. We all in India know that in our country whatever may be the preparatory time available, things get accomplished at the last minute. If we get more time, we stretch our deadlines accordingly. That if we have more time, we will be more prepared and can do trial runs before actual roll out,.. exists only in theory. Don’t we see in our Indian weddings, folks tying up some loose ends literally till the baraat arrives and continue to do so as the wedding is in progress?  Finally when the wedding gets over, its smiles all over.  So even after the GST roll out, there will be glitches, teething problems and surprises which I am sure we will find ways and means of getting over. Pushing back by another 3 months is not going to make things any different.

It must be commended that this Govt. stuck to the date of July 1. It would have been very easy for the PM and the Govt. to throw in the towel and put off the launch by a few months. But then, there are other implications. Come Oct. it is the peak festival and hence business season in India. Does It help if the roll out happens when India is in the midst of its biggest Annual economic cycle? Will it help if GST is launched in Jan. in the final quarter of the fiscal year???

The ruling party, the BJP counts traders as its important traditional support base for the party. That the party still decided to go ahead with the tax reform which professes maximum disruptions for this group is a significantly courageous move.  In India economic reforms have always been carried out under duress; when push comes to shove. The heralding of GST must be the 1st major economic reform brought in when not under any kind of stress but just to ease up things for the future. This certainly conjures up the arrival of Acche Din for our country.

Still our penchant for complicating things comes to the fore here as well.  Though the GST collections have to be shared between the state and the centre, could it not have been done at the back using technology rather than coming up with 3 variants like SGST, CGST and IGST??? Does the Anti-profiteering clause make sense? Will not competitive economics eventually drive pricing??

GST is indeed a Good and Simple Tax. So there is nothing like a good or better time to introduce the same. But, we should not forget that this is India and we are Indians. So, conditions apply.

Modi Sarkar and the Gita Saar!!!

As Modi Sarkar completes 3 years in office this week, the media is abound with pieces on the hits and misses. Depending upon who the author is and his/her political leanings, the pieces portray either a Glass Half Full or Half Empty picture. Very few have been honest portrayals.

As Aam Aadmis, it’s but natural that our opinions are influenced by what we read/see in the media. So per what we see these days, the economy is doing rather well – India is the fastest growing economy in the planet. The stock markets are on fire and at historical highs! India’s consumer price Inflation stands lowest since we started publishing consumer price index in 2012. In the past weeks the Rupee has been strengthening Vs. the Dollar though this is a double-edged sword.  FDI has been seeing record inflows.

And if you go by some of the pronouncements of the Govt. there again the last 3 years have been very busy for the Govt. of India. Infrastructure projects mainly on Roads and Railways have been unleashed like never before. Govt. has been kicking off programs like Make in India, Skill India, Start up India,..,.. to increase the employment and employability across sectors. Price control though a very socialistic intervention has been resorted to particularly in the healthcare sector to prevent fleecing of the common man. Programmes like Jan Dhan Yojana, Swachh Bharat and Aadhar have been given a fresh impetus right from the top.

In the 1st 18 months, the Prime Minister took it upon himself to travel to countries that mattered to signal the change and restore confidence on the India Story. The results have been emphatic. World over, it is now acknowledged that this Govt. under Modi is on a crucial transformative path and probably this time this is for real and long-term. (In the past India always flattered to deceive).  The inflow of FDI and announcements of various projects in Mfg. and Infrastructure are there to see.

So far so good.

While this is the flavor in the media by and large, it will be interesting to know what the sense on the ground is. If one goes by electoral results as in a democracy it is the barometer of an incumbent Govt.’s performance, there are no two ways about Modi Sarkar. By and large in all types of elections, Modi and his government have got a thumbs up from the electorate. In Economic times’ survey of the Indian Industry, the Industry has clearly thrown its weight behind Modi Sarkar.

In Britain, mid-term opinion polls ask a simple question to respondents: “Are you better off today than you were three years ago?” It would be interesting to know the outcome if somebody does a similar mid-term poll in India to understand what’s in peoples’ mind.

My hunch is that the response will be a farrago of sorts. First, that the conditions on the ground are yet to change. And, second that still the people are happy with the Govt.’s performance.  And yet this is fully understandable. For all the economic indicators and the efforts which have been put in by the Indian Govt. so far, on the ground, results are yet to show up. The fastest growing economy or the influx of FDI or the flag ship programmes kicked off by the Govt. or the massive increase in infrastructure spending and the many other initiatives are yet to result in changes in the life of the common man. In terms of jobs/increased disposable incomes to workers, farmers, middle class,..  And yet no one seems to complain. People still have immense hope on the Prime Minister and his Sarkar.

This is where the Saar (essence) of Bhagavad Gita comes in. In Chapter 2, Verse 47 of the Gita, Lord Krishna says, “You have the right to work only but never to its fruits. Let not the fruits of action be your motive, nor let your attachment be to inaction.”

representative visual

The public so far seem to be satisfied as long as their Govt. is earnest in their intentions and seen to be carrying out their job sincerely. The hope being that this is still “Work In Progress” and results will follow sooner or later. The common man’s response to Demonetisation is a good example of this behavior.

It looks like the Govt. is also taking this Gita Saar seriously and moving forward on a mission mode without getting too much flustered by the noise around it.  I must say here that while this is true for most of the ministries, there are some which have not taken the Gita Essence seriously. I am not sure if the Smart City project has gone beyond announcement of a list of cities. No one knows what the Ministry of Agriculture is up to in transforming the agricultural landscape which has been fraught with draught related woes at times and flood related at other times. That is to name a few.

So when the PM does a review of the performance of ministries on completion of 3 years, we hope he cracks the whip on those who have not taken their mission seriously. And reminds them of their Karma and another gem from the same Gita which says, “The meaning of Karma is in the intention. The intention behind action is what matters”. And declares,  Abki Baar Gita Saar!!!

From “Casteing” votes to Casting them!!!

In the last 2 months, India has been gripped by the UP (Uttar Pradesh) election fever. Or so the channels made us to believe. The huge size of the state notwithstanding it was certainly an overdose of analysis and punditry. And today was the Judgement day! And as I hammer away these words on the keyboard the people of UP have spoken and spoken decisively in favour of Narendra Modi and BJP (Bharatiya Janata Party) strictly in that order. The build up to this day has been quite noisy. A diarrhea of analyses post each of the seven phases of polls in UP and then the pontifications in the last couple of days based on the Exit poll results. It was indeed intriguing to see commentators waxing eloquent on the emerging trends,.. just based on Exit poll results.

However it is important to note that none of the ground reports of even seasoned journalists or the Exit poll results captured the final end result which has panned out today. That of a massive groundswell in favour of Modi and BJP (again strictly in that order) in UP. To be fair a few like Rajdeep Sardesai and Dr. Prannoy Roy predicted a possible BJP win but not of this scale. We were again and again told by experts that there is no visible wave this time. And they were all right. Because in the lookout for a wave they completely missed a Tsunami of sorts brewing in the Ganges. In 2014 as well there was no wave prior to the elections. The overwhelming sweep of UP by BJP was then explained as a Modi wave post facto.

In election after election since Nov 8th (the day Modi let the so called Demonetisation Demon on Indians) whether they were municipal body elections or State/Parliamentary by elections voters did not punish Modi or the BJP for the wounds inflicted by the “Demon”. But even then, the narrative before these state polls was that Demonetisation is going to cost BJP dear in these elections and in particular in UP. UP elections were a clear referendum on Namo’s Demo as per media. But it turned out that Demo was a non-issue.

In channel after channel the experts who were dissecting the prospects in the run up to the polls were discussing caste arithmetic and how voters ultimately show loyalty to their castes. Particularly in the so called backward state like Uttar Pradesh.  Analyst and researcher Dr. Surjit Bhalla has been consistently calling out since about 2014 that India has moved beyond the castes. But what we were routinely fed was how the Jats were pissed off with BJP or how the Yadavs will stick to SP and how the Dalits and Most Backwards will ride only the Elephant,…,… And how the upper castes and now backward will favour the BJP. And how the Yadavs, the Kushwahas, the Prajapatis, the Majhis,…,… will influence the voting pattern and hence the result. And in addition to the caste axis, we were told that there is a “Class Axis” which is building up.

However even a quick back of the envelope analysis of today’s results through any prism makes it clear that the caste loyalty of voters is history. And that probably UP must have put the communal divide behind as well. With 40%+ share of the vote and still counting, it is most likely that Muslims have indeed voted for BJP though not en masse. This can be borne out by the fact that Mayawati came out bewildered about the results and was posing conspiracy theories about possible EVM (Electronic Voting Machine) fraud. And today’s trends are also beyond the realm of Class divide.

My personal favourite line on India considering the complexity and diversity has been Shashi Tharoor’s “anything you say about India, the opposite is also true!!!” So it is extremely hazardous to come to a concrete conclusion that India has shed its Caste baggage based on just today’s result. But I guess it is safe to conclude that there is a churn which is happening particularly with the youth coming of their own. They don’t give a damn to the prejudiced thought lines of their parents/ancestors and are willing to look at things with a more balanced view.  In the past 3 decades many regional parties which thrived on challenging Congress like the BSP, SP, RJD, TMC, JDU,… turned “Social Justice to Casteism” and “Secularism to Pro Minorityism”. After getting an opportunity to make a difference in UP, Bihar,.. where they failed now they are facing the brunt of the Nextgen voters. And BJP (and Modi) being the principal party now is happy to lap up and take advantage of this angst.  Even in Bihar I am of the view the so called come back of Lalu is more because voters wanted Nitish back as CM and not due to some caste equations. And voters wanted Nitish back not because of his caste but due to his track record in changing Bihar.

Beyond the caste arithmetic of the Yadavs, Kurmis, Lingayats and the Vanniyars,…,…there is a wind of change blowing in India. It looks like only Modi and BJP again in that order have got a wind of this. Or may be even they haven’t got a complete grip on this. It is clear based on today’s early reactions that the other parties have not yet understood what hit them. Unless these parties and the commentariat (in that order) realise that an important churn is happening, we will continue to see parties getting caught off guard and expert analyses going awfully wrong. And that important churn is “In elections India no longer “Castes” it votes but casts its votes!!!

May be I’m jumping the gun. But would be happy if time proves me wrong.

Leadership Marketing!!!

David Packard, Co-founder of Hewlett Packard famously said, “Marketing is too important to be left to the Marketing Department”.  He meant that in an organization, every individual – the CEO included, has to perform his/her bit in “marketing” the company’s products.  I am not sure if there is anybody else who has taken to this concept more keenly than Donald Trump, a CEO turned POTUS. How else could you explain this?? On the 28th Jan, Trump has a call with the Prime Minister of Australia Malcolm Turnbull as part of his global leadership outreach since he became the President. Post the call, the official White House Readout on the call went thus:

“President Donald J. Trump and Australian Prime Minister Malcolm Turnbull spoke by phone for twenty-five minutes today. Both leaders emphasized the enduring strength and closeness of the U.S.-Australia relationship that is critical for peace, stability, and prosperity in the Asia-Pacific region and globally”.

A few days hence, media reports emerged on the call which said, “Donald Trump yelled at Australian PM during “worst ever” phone call about refugee swap deal – then HUNG UP”. For obvious reasons, this report created a furore all over with the rumblings being heard for few days over. In the meantime Trump at a Prayer Breakfast added,

Believe me, when you hear about the tough phone calls I’m having – don’t worry about it. Just don’t worry about it,”

Now, here’s the intrigue. Apparently we hear that while on the call with Turnbull, Trump was joined by the then National Security Advisor Michael Flynn and senior advisor Steve Bannon. Only. So how did reports of his so called “yelling” and “hanging up” find their way to the media??? Surely the President’s office is not bugged by some media house! It’s clear that the media reports were a part of an orchestrated PR campaign to market the product called Trump. In this case it was clearly intended to send a message to his constituency which bought his message of “America First” during the campaign that he is tough and is now “Walking the Talk”.  Notwithstanding the tremors that the news of the call created, I am sure it did the job of enhancing Trump’s image among his supporters as a no nonsense leader. So it was not just important for Trump to talk tough on the refugee issue but to communicate to the world that he talked tough.

trump

Welcome to the age of “Leadership Marketing”!!!

Closer home too, we have parallels to this. Through Narendra Modi our Prime Minister. For example, when Heeraben, our PM’s mother visits him in Delhi and spends a few days at the official Prime Minister’s residence, we get to see pictures splashed in the newspapers of Narendra Modi with his mother. The source of this being the Prime Minister’s twitter handle itself where Modi posted pictures of him walking his mother in a wheel chair along with his tweet which said “My mother returns to Gujarat. Spent quality time with her after a long time & that too on her 1st visit to RCR”.  So to his many followers, the intended message is clear. Here’s a leader who is tender at heart with his mom while being blessed with a 56” chest in his own words to take on his adversaries.  In India more than spending time with wife and children, image of a leader taking care of his mother has a telling impact. Again it was not just enough for Modi to spend quality time with his mom but to inform the world that he did so!!!

America, arguably the global fountainhead of marketing has been in the forefront of adopting this technique with Trump now but even with Barack Obama before. Routinely we were fed with images of how the Obamas enjoyed quiet dinners at suburban restaurants on weekends. On Obama’s 55th birthday which was his last in Office, we saw plugs like “55 pictures of Obama discovering his inner child” and so on!!! In the case of Obama the positioning was not of a tough leader but of an affable and lovable man who cared for everybody.

In India, giving competition to our PM in Leadership Marketing is the Aam Aadmi Party Chief Arvind Kejriwal. He wears the positioning of Aam Aadmi on his sleeve. Literally. Even as a CM of a state he walks in chappals, wears loose fit clothes, tweets reviews of films he catches up on weekends,… to reinforce his positioning. The party also posts routinely on Facebook like this:

“Chief Minister of India’s Capital. No security, No VIP treatment. Truly Aam Aadmi,”  With the following picture:

ak1

Not surprising that the post got over 30,000 likes and 5,400 comments!!!

So, Leadership Marketing is no longer the exclusive domain of Americans.

In advocating this Leadership Marketing, I must say that the advent of Social media has made the job much easier. No need to depend on your PR agency to do the job. One could time it yourself.

On the flip side, the case of Vijay Mallya tweeting a picture of himself at a Super luxury hotel in Dubai and claiming to have a rocking time when his employees were hitting the streets for unpaid salary back home were bad optics and horrendous Leadership Marketing!!! Leadership Marketing is the new double edged sword in the arsenal for leaders to “position” themselves “right” in the battle for the minds and hearts. Double edged it is and hence they can’t leave it to the party’s publicity wing or an external agency but have to be on top of it themselves. Just as Packard advised.

As leaders engage in this marketing and optics, we the people need to develop the skill of separating wheat from the chaff and make our judgement objectively rather than fall for the optics or surround sound!!!

So the next time when you see a report quoting from an “inside source” of Trump banging the table during a meeting with Tim Cook for not making Apple phones in America or a clip of O.Paneer Selvam praying to a Jayalalitha’s picture tucked in his shirt pocket, you know why!!!

Somebody famously said, “The Future of Marketing is Leadership”. I am tempted to paraphrase in tune with today’s times as “The Future of Leadership is Marketing”. Amen.

Savour the Achhe Din!!!

In these largely agonizing days in India, a call to savour the Achhe Din would seem highly preposterous, isn’t it??? Well, wait a minute!

  • New Delhi, Oct 1984 – The then Prime Minister Indira Gandhi is assassinated by 2 of her own body guards. Over the next few days, thousands of Sikhs get killed and their property burnt in Delhi in a violent reaction.
  • Chennai, Dec 1987 M.G.Ramachandran, the charismatic actor turned Chief Minister of Tamil Nadu died after prolonged illness at his residence. His death sparked off a frenzy of looting and rioting all over the state. Shops, cinemas, buses and other public and private property became the target of violence.
  • New Delhi & Parts of North India, Aug 1990 – The then VP. Singh Government decides to accept Mandal commission report which recommended 27% reservation for OBC candidates at all levels of Govt. services. Large scale protests erupted mainly in North India including self-immolation bids by students against co-opting the report.
  • Mumbai, Jan 1993 – Following the Babri demolition in Dec, 1992, what started as peaceful protests escalated into large scale communal riots in Mumbai between Dec 1992 and Jan 1993 where thousands of people died, properties looted and destroyed.
  • Thane, Mumbai, April 2001Shiv Sena Leader Anand Dighe dies in Singhania Hospital, Thane at a relatively young age of 50 following a cardiac arrest. As soon as the news of Dighe’s death broke, irate Shiv Sainiks went on a rampage in the premises of Singhania Hospital and set on fire the hospital.
  • Bengaluru, Sep 2016 – Supreme Court orders Karnataka to release of 15000 Cusecs of Cauvery water to Tamil Nadu. Immediate violent reactions erupted with burning of TN registered vehicles and destruction of public and private property.

In all the above, one can notice that while the provocations are different – from a leader’s killing to another leader’s own demise to a political move to demolition of a religious symbol to an adverse Supreme Court judgement that too in different parts of the country, the reaction of the people followed a pattern. Violence, looting, mob fury, vandalism,…,…. leading to many deaths and large scale destruction of property.

This proves that as Indians we are a bunch of gullible emotional people. We can get easily provoked into carrying out what are supposedly unlawful activities that bring disrepute to the country and also affect us economically.

In any country’s timeline there are defining moments. Moments which change the destiny of the country for the good or worse. Our country’s history since Independence also is replete with such defining moments – some of them which we can be proud of and others which push our heads down.

I reckon that the Demonetisation call of 8th Nov, 2016 would be such a defining moment in our country’s history when it’s scripted later. I am not here to pronounce this based on the economic benefits of Demonetisation. The erudite are already doing it with media abound with pieces hailing and trashing the move in same breath. And frankly it is early days yet. However something else that is monumental is happening in the country which is what this post is on.

Going back to what I elucidated in the beginning of the piece, in our country we get easily provoked. And the result of the same is there for all of us to see. In this context let’s look at what’s been happening since that eventful address to the nation of the Prime Minister Narendra Modi on 8th November:

  • Bulk of currency in circulation was withdrawn and we were told to go Banks/Post offices to withdraw/exchange the old currencies before Dec. 30th
  • Since then there has been serpentine lines in front of banks.
  • Banks have been woefully short of currency as RBI’s supply chain right from printing to distribution has not been able to cope up.
  • Banks when they had currency only dispersed high value 2000 rupee notes.
  • ATMs have not been mostly functioning and if working for few hours, could give us just 1 note of Rs.2000.
  • The rules of withdrawal and exchange have been changing by the hour and have been the butt of new WhatsApp jokes by the minute! In fact the exchange goal post of 30th Dec. has been brought forward.
  • Both the TV and print media have myriad stories of how Demonetisation has affected the common man in urban and rural areas.
  • There have been many deaths attributed to Demonetisation in many parts of the country. Every day there are updates on the death toll in the media.

demon-toon

It’s almost a month now and still the situation is fluid. As one can see that this Demonetisation gamble by the Govt. has presented to us – public many, many opportunities to get provoked.  But the one difference is we that have not got provoked. At least up until now. And I hope I have not spoken too soon.

The resultant emotional outbursts leading to violent reactions for events mentioned in the beginning are sometimes quite spontaneous (though it is still difficult to explain the reactions so very violent) but many times orchestrated to further political interests. In this case (Demonetisation) also we have seen few political parties trying their best to spin things out of control and bring the Govt. on its knees. But just that this time around, few things have been different:

  • The common public of all hue – have not taken to damaging of banks, burning of empty ATMs, attacking Bank officers, setting on fire currency vans,… even when they have been driven to heights of frustration.
  • There have not been blackening of faces of BJP leaders or burning of effigies of PM or the RBI Governor!
  • For the 1st time in my memory, political parties had to go a large length to explain that they were not supporting any Bharat Bandh supposedly after reading the citizens’ Anti bandh mood!
  • For the 1st time again in my memory, no political party has given the Demonetisation move a communal colour so far. Otherwise in our country any decision from awarding a Padma Shri to constructing a hospital is given a communal tint by commentators and vested interests very convincingly.

For the above reasons I would like to believe that the benefits or otherwise of Demonetisation notwithstanding, this move will emerge as a defining moment in India’s history – where the public of India completely toed the line of its Prime Minister, shunned the rhetoric of others, remained unprovoked and went through the grind.

I am not sure if we as a country will display such great maturity in reacting to unfavourable events in the future. But for now, let’s savour the Achhe Din!!! Shoba De in her today’s column calls 2016 – Annus horibilis! No, Ms. De – for this significant change in our public reaction, 2016 is in fact Annus mirabilis!!!

Toon Courtesy: Satish Acharya

Also read my other post on Demonetisation – “Cash Mukt Bharat” here!

Cash Mukt Bharat!!!

  • The neigbourhood vegetable bhaiyya Yadavji is still going strong negating all predictions that the organized retail will swallow the likes of him. Organised retail didn’t quite swallow him. But he is now a fringe player of that organized retail. I pick up the weekly need of vegetables and fruits. His son who is in his early twenties, quickly totals up the bill in a handheld POS (Point of sale) device and lets me know the amount. He then sends me a request for the payment using his UPI (Unified Payments Interface) App on his smart phone. I approve the same and the payment gets credited to his account.

  • Adi Ganesh Store which was a popular shop in our neighbourhood In Mumbai catering to the typical needs of the South Indians (Read as Filter Coffee powder) is now Adi Ganesh Super market. They now accept payments in credit cards even for purchases under Rs. 100.

  • At the Guruvayurappan Temple nearby, the Hundis for coins and cash have been replaced by plastic card swiping machines where all donations can be made and receipts received.

  • Our family physician DrPurab is still the smiling self and fit as ever. He continues to give his own medicines but one can pay his fees through credit card.

  • The “Old paperwala on call” still comes promptly to collect the old newspapers. He now has a tie up with the Big Bazaar chain of stores and gives Big Bazaar cash cards for the paper taken.

  • Almost all auto rickshaws are now part of some aggregator or other and are accepting payments through mobile wallets.

  • The Domestic help handed over a card which had the details of her bank account number to which she requested the salary be transferred.

  • It looked like that the benefits of JAM (Jan Dhan Yojana/Aadhar/Mobile phone) which had threatened to be just a great theory has become a reality.

I realized that India in Jan 2025 is not the same in more ways than one as it was in 2017 when I left for abroad.  But I am surprised first, impressed next and fascinated finally by the transformation of a country in the area of financial inclusion and the transition to almost a Cash Mukt Bharat in just 8 years!

Almost everybody I talked to credited this transformation to various moves the present BJP Government undertook and in particular the “Demonetisation” of 500 and 1000 Rupee currencies in 2016. I remember that time very well. It was in November of 2016 when the country had just finished its annual quota of bursting crackers for Diwali. On 8th night, it was the turn of the Prime Minister to set off his Diwali bomb. At the stroke of midnight 500 and 1000 Rupee notes lost their legal tender. What followed in the next couple of weeks I now realize had sown the seeds for India almost becoming a Cash Mukt Bharat.

currency

With almost no cash in hand available, the general public had to resort to ways and means to avoid using their left over legal tender and use them only sparingly. People started doing day today shopping of veggies/fruits,.. in super markets instead of the neighbourhood vendor though he sold stuff fresh.  People avoided auto rides by hailing on the roads and resorted to “Ola Autos/Ola Cabs” where they could pay by mobile wallets. Within few days as banks resembled Ration shops of the 80’s India with serpentine lines right from sunrise, vegetable and other vendors started accepting cheques for payment in fear of losing their customers.  Most food establishments who had a minimum limit for accepting credit cards removed such limits. In the hinterland of India is where the impact was colossal. Though a big population was banked under Jan Dhan Yojana, till then they were not banking. The overnight shortage of currency, helplessness in otherwise carrying out day to today lives and finally the threat of losing business permanently pushed many to figure out alternate ways for making and accepting payments and they did. There was utter chaos for few days as the country came to terms with the move but ultimately in the long run, change did happen. In India normally change is slow. But under duress change is swift.

“Can you get up now?” It’s the wife at home waking me up from my nice Sunday afternoon siesta.  “I told you to think of a topic to write for the daughter for tomorrow’s Children’s Day event. Did you think of something??” I had not. But muttered as usual, “Yes”. What’s the topic on?? She asked. And I answered, “My dream India @ 2025!!!”