The GST bonanza is so taxing

The Indian Government rationalized the GST (VAT) structure thereby reducing the prices of most goods and services. While this is expected to give a fillip to consumption, with an introduction of a 40% sin goods category not everyone is rejoicing though…

With complex rates all in the bin

Consumption is what we hear is in

As sales are set to tee off

Hearing many a scoff

Saying it’s so taxing for us to now sin

The Coffee Day Limerick

It is just over a month since CoffeeDay and i realised i did not post my Limerick out here.

Everyone is sipping Matcha and talking wellness. As for me I am still chasing clarity one filter coffee at a time…

Yes sir, on this is what we all grew

The best, I say is this heady brew

Of the South Indian filter kind

The talk is of a healthier find

What Ma(t)cha nothing but coffee is my view

Blind Musings – My Unseen Journey


It’s taken me 18 years to put words to this journey. For those who know me, you’re aware – and many still aren’t, by the way – that I’m visually impaired, legally blind even. This comes with a quirky benefit: a ₹1 Lakh income tax deduction!

This series (hopefully, there will be more!) aims to capture the random thoughts of a visually impaired person. While brevity is key, as Morgan Housel wisely puts it, I wanted to set the stage upfront. Why now? Perhaps it’s an attempt to show that life always throws curveballs, and it’s about dealing with them as they come, living life to the fullest without making a big deal out of it. After all these years, I know my experience isn’t unique, nor am I doing anything extraordinary. But if sharing my journey helps even one person, it’s worth every word.

Eighteen Years Ago: The Shift

December 2006 and January 2007 were peak times for me at the bank. I was riding high, playing a crucial role in bringing mobile banking to India – a novelty back then. That’s when I noticed an occasional blur in my left eye. I’d always prided myself on 6/6 vision, yet secretly hoped for spectacles, thinking they’d make me look intelligent and smart. I got the specs, but they made no difference. I blamed the lens quality until that day in April 2007. During an office presentation, I closed my right eye and realized my left eye saw nothing. Concern turned to alarm. An ophthalmologist diagnosed optic neuritis, a “benign” condition, and prescribed steroids. But instead of improving, my optic nerve atrophied within a month. Doctors were stumped, calling it a “freak condition” with no cure. Ironically, my eye pressures shot up during steroid treatment because I was a “steroid responder”. Throughout this, I felt surprisingly calm. When the final verdict came, I was cool. My only immediate adjustment? Aiming my camera with my right eye. (Did I forget to mention I loved photography and driving?)

The World Starts to Tilt: October 2007


Then, on October 29th of that same year, my world nearly crumbled. With only one good eye, any minor change was glaring. During another presentation, I felt something was wrong with my right eye. Panicked, I rushed to an ophthalmologist. Days before, during Dasara shopping, I’d felt a subtle shift that had tensed me. This doctor confirmed all was “well,” but I knew better.

My cousin’s wife connected me with a senior ophthalmologist. His verdict: “computer stress syndrome.” I pleaded with him days later, “Doctor, I was fine even when I lost my left eye. Something is definitely wrong.” He suggested an MRI. This was my breaking point. I was devastated, crying daily in the bathroom to shield my family. My career, just taking off, felt over. I envisioned my wife burdened with everything. But then, on the morning of my MRI, after nearly a week of despair, something shifted. Amidst tears, I suddenly stopped. I vowed then and there: I wouldn’t cry. I would live my life, and I would ensure my family was fully cared for. The decision to be happy was made. I vividly remember speaking to my CIO the day before, tears streaming, telling him I didn’t know where life was headed. But after that bathroom epiphany, I was all smiles. Inside the MRI, I imagined being in a techno club with all those beats! Back at work, I entered a meeting, cheerful. When my CIO asked if I was okay, I told him, “No, but I’ve decided to be happy, come what may.”

The Unseen Path and a New Normal

What changed in me? I attribute it to the Advaita philosophy I’d begun following. The belief that we must move on, be stoic, and that the Dharma of life is to live, resonated deeply. So, in December 2007, when I lost central vision in both eyes – effectively blind for practical purposes – it took about two months to adjust. By February 2008, I was working with a screen reader on my laptop and phone. Technology became my saviour.

Backtracking a bit: after my “normal” MRI but worsening vision, I visited L.V. Prasad Eye Institute in Hyderabad. They also thought I was fine, “imagining things!” Returning to Mumbai, I was hospitalized under excellent doctors, only to be given more of my “favourite” steroid. The outcome after four days? Worse vision and soaring eye pressures.
Next stop: Sankara Nethralaya in Chennai, late November. My vision had plummeted from 6/6 to 6/24. They, along with a famous neurologist and neuro-ophthalmologist, recommended Multiple Sclerosis treatment, despite my lacking other symptoms. We also got a hint of a rare genetic condition called LHON, affecting central vision. But doctors dismissed it.
Back in Mumbai, I was treated with immunoglobulins. Three days of non-stop IV resulted in a swollen hand. Just before Chennai, we’d even tried an Ayurvedic eye hospital in Cochin, where they, too, professed helplessness. 

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By December 24th, my acuity charts read 6/60. The head of neuro-ophthalmology at Sankara Nethralaya was taken aback; I was a specimen” referred to the head of research. More MRIs ensued, and I learned about countless conditions. The good news: no brain tumour. No LHON traits (whatever that meant). The only suspect: an unknown virus. When told it would take ten days for a “culture test” requiring a scrape from inside me, I decided to let the intruder stay.

So, by the end of 2007, I was no longer someone with normal vision. I was visually impaired – later realizing I qualified as “physically handicapped,” which has granted me that ₹1 Lakh tax benefit ever since.

The “(Un)Wired” Brain

Back in Mumbai, my doctor’s description of my condition resonated: “The bulb is fine, but the wiring got messed up!” I hadn’t known blind people could look like me, and I was adapting without much fuss.

Tough times reveal true well-wishers. I’m incredibly grateful to the many good Samaritans – friends, colleagues, work associates – who went out of their way to find a cure, a solution, or simply make me feel at ease. Thank you all, from the bottom of my heart. One such soul referred me to Mayo Clinic in the US. After sending samples from India, their doctor sent his best regards. My test reports, over 100 pages, astounded me – how could so many tests even exist?


Until 2011, my condition was called “Idiopathic optic neuropathy with central scotoma,” which essentially meant, “We’re idiots and we don’t know.” Perhaps it was that virus after all? Not quite. One final test remained. After moving to Gurgaon, I took a gene test (only one hospital did it back then) for genetic, including mitochondrial, conditions. In April 2011, I was rebranded: LHON. Leber’s Hereditary Optic Neuropathypatient. Relief, at least, to have a name, though no cure. Our egos were inflated, my wife and I being the only ones sure it was LHON all along.
LHON is a mitochondrial mutation that cuts off blood circulation to the optic nerve, preventing signals from reaching the brain. I was fascinated how a mutation could affect the same areas within a four-month interval! I consider myself an atypical case of a rare condition; senior doctors confirmed I manifested none of the LHON traits. After 18 years, I’m still searching for someone in India with the same condition. Life’s Curveballs: Lessons Learned. Before diving into my experiences as a visually impaired person, I want to emphasize a few points that I believe are crucial when life throws the unexpected: grab it by the scruff of the collar.

When I thought work was impossible, I met Hari, a fully blind IBM employee who was a top performer and MBA topper. That set me thinking: I should be thankful for my peripheral vision, which helps me navigate sidewalks and avoid tables. (Though transparent glass doors are another story – I’ve walked into enough of them! Once, a hotel doorman held a door open, and I still walked straight into the glass. And navigating stairs, especially with unusual markings like in a Johannesburg mall, is a nightmare.) I also saw videos of a blind Google engineer excelling at coding.

Here are my takeaways:

• No Self-Pity: The worst reaction is feeling wronged by the world or God. Life serves good and bad to everyone. Accept it, move on. Life is finite; the longer we wallow, the less we live.

• Seek Empathy, Not Sympathy: Once you ditch self-pity, you won’t seek sympathy. You become stronger, and the world views you more positively. (I hate negative spirals!) However, a bit of empathy and understanding of our context is always welcome.

• Limitations mean workarounds: The first step is accepting the situation, then finding adjustments. I loved driving, photography, and reading. I had to accept these were off-limits, at least for now. (More on getting back to books, and hopefully driving and photography, in a future post!)

• Hold onto Hope: I wake up daily hoping for a miracle or a scientific cure (the former seems more likely!). We live on hope; positivity is good. But until then, remember life’s Dharma.

The New Normal: Personal Adjustments

Starting January 2008, my vision gone, I began adjusting and acclimatizing to tech tools for productivity and phone management. I cannot thank my wife enough for her unwavering support and for going the extra mile. My eyes look normal, and I don’t typically announce my impairment. Saying “visually impaired man,” I’ve realized, can lead people to think I’m arrogant or a weirdo when I don’t respond to their greetings or look “through” them. So, to appear like a “nice person,” I used to look down or to the side when people walked by my office cabin. My wife even chastised me for looking straight at people, fearing women thought I was ogling them – if only I could actually see them!

Mental markers are crucial in familiar settings, but beyond a point, they’re impossible. Following people to a location – like the restroom – became a vital trait. (Yes, I’ve accidentally walked into the ladies’ room three times, thankfully escaping before much damage was done!)
In unfamiliar settings, asking for help is non-negotiable. I travel frequently, including internationally. Putting myself at the disposal of airline staff is the best approach. A bonus perk: boarding and immigration are a breeze! For years, I was shy, struggling alone, then having to stop strangers for help – it was mentally draining.

Voice recognition is an innate skill for people like me, not just for machines. When I can’t make out who’s in front of me beyond a couple of feet, the only way is to wait for them to speak and match their voice to my internal “database.” I love sports – Formula 1, Test Match Cricket, Rugby. To follow them, I sit about 10 cm from the TV/screen. It’s become so normal I don’t find it odd. I was off movies, but recently, I’ve started watching a few good ones the same way.

At work presentations, unable to see projections, I have no choice but to ask what’s being said. I also cram information or write large notes. People say I have an elephantine memory, but it’s pure necessity. I recently listened to a book (Livewire, I think) where the author explains how the brain adapts, dedicating more space to faculties used more often. I couldn’t agree more.

Frustrations and the Road Ahead

Despite all the positivity and constructive adjustment, frustrations abound. You must shrug them off and move on. There will be times when people – even family – ask or mention something as if it’s clearly visible. In those moments, the amygdala takes over, and arguments are inevitable. No matter how hard you try, these situations will arise. While technology has made a huge difference, the world is becoming increasingly visual, and accessibility testing by companies is often poor. I plan a separate post on this soon.

To conclude, no single challenge should derail a life. I consider myself successful, enjoying travel, books, limericks, and news. BTW, my new passion is to be certified in scuba diving for which I have enrolled into swimming classes, for starters!Professionally, if you’re good, impairments don’t matter – unless they genuinely hinder output. With hundreds reporting to me in my current role, I’m as normal as anyone else.

So, live life to its fullest. We are here for an infinitesimally tiny speck of time.

The Daughter’s 18th Year Poem

I have been writing limericks for a while now. However, for my daughter’s 18th year I did get a bit emotional and ended up writing a long poem. many of the verses are contextual and refer to specific instances over the past few years. The daughter and other family members did seem to like – er, love – what I composed.

Was it not just the other day

I was hoping it were a girl 

N god gave us the little pearl 

Thinking, a smile’s come my way 

Ten hours we waited in anticipation 

For that shrill cry to rend the air 

Did you hear me say “this is not fair”

As I ponder about your next destination

You, our little darling fresh as a rose

Staring at all of us with purposeful eyes

The wife and I nodded, what a prize

As I look around the time is getting close 

And when it was time to crawl

All you did was roll and roll 

Wonder was being a rebel the goal?

I look at you now, standing so tall!

To make you eat was quite a feat 

There was none without a frown  

How could we get you to gulp down

I know now you’ll love the treat 

Growing up with Barbie you were as delicate

Did I see signs – or hope – of a tomboy  

Be it that, you were always coy 

When I look up the one I see is a sophisticate 

The question arose what would you want to be

A designer, photographer? Was it fine 

Said we follow your heart and you’ll shine 

It’s the age, the urge to go out and be free 

My dear daughter you’ve reached that age

When  the world calls you an adult 

Surely, it is a time to exult 

Proud we are as you get to the big stage 

Eighteen years, they just rolled by 

It does seem the time is but flat

For it was yesterday we gave you a gentle pat 

As you laze the countdown’s begun  for you to fly 

My dearie, I know it is now your time under the sun  

Knowing one day you’ll be able to cross the road

And, Of course, you will be able to handle the load 

Sweet girl, go out, cross the sea, have loads of fun

My Book Reading – 2022

As we step into 2023, one habit I have been able to sustain for the past 3 years is that of reading books. While I may not have read as many as what I did in 2020, however, 50+ is still a good achievement.

The focus continues to be on history, philosophy/spirituality, public policy & international relations, management and a small sprinkling of fiction. As I have been finishing a book a week, I must say the more I read the more I know I don’t know, and the imposter syndrome kicks in.

A few callouts  

1.     While over the past few years I have been focussed on Indian philosophy. However, this year, I have tried to delve into Greek philosophy and the perspectives – both on a stand-alone basis and in relation to Indian philosophy – must say it has been quite interesting.

2.     It has been the year where I completed both Charles Darwin’s on the origin of species and Adam Smith’s wealth of nations. I still wonder why I wanted to read them. While they have been interesting reads in their own spaces, from a historical perspective I did get inputs of the times that it was written in. 

3.     From a western view standpoint, the epic of Gilgamesh is regarded to be the oldest book in the world and so I ticked it off the bucket list. Even 5+ thousand years back there has been enough contacts and exchange of ideas across civilisations. I was surprised to read about gods starving as humans were not conducting sacrifices or the point re seven sages (Sapta Rishis?!)

4.     As they say truth is stranger than fiction and while I read just two books in the fiction category, with the likes of operation mincemeat or the Great game there was no scarcity of intrigue, drama and suspense. There are enough more in the to-read list.

5.     I have never been keen to read books in the management/self-help category and so I was myself surprised to have read quite a few of them and, also, have enjoyed most of them!

For me, the stand-out books are

i.                Completing the unabridged Mahabharata translated by Bibek Debroy was a great feeling. This is an absolute must read and I am happy I could complete this magnum opus.

ii.              The psychology of money by Morgan Housel is another book that resonated with me big time. The author’s perspective on making and retaining wealth, being humble are a few aspects that will be with me forever

iii.             A short history of nearly everything by Bill Bryson is a fascinating read. A must for anyone who wants to get a perspective about the planet we live in.

iv.             Nandi’s charge by Arun Krishnan is a piece of historical fiction            that is unputdownable. A brilliantly interwoven thriller set in South India during seventh century CE involving Pallavas, Chalukyas and King Harsha. Apart from the narrative the description of the times and landscape is so vivid that one can actually “feel being there in person”! it heartens to read such high-quality books and am keenly waiting for the next in line of the series

Vaclav Smil’s How the World Really Works is a fascinating read where the author talks about not only how the world has evolved but also about development of nations and risks that the world could encounter. The way the author explains about development through improvement in energy efficiencies is truly captivating. BTW, while may be obvious to many, it never struck me that most of the land that is cultivated is used to feed cattle and other domesticated animals!

Finally, this is a book I wanted to read for a while. After finishing it I must say it was one of the most enjoyable books. Surely   you Must Be joking Mr. Feynman shows what geniuses are made of – a peek into how a man thinks and acts is something to be read 

The to-read list is long and, this year too, I am hoping to sustain the habit.

PS: On my blog, I could not post this earlier. Must say January was a bonanza month in terms of the number of books read and the perspectives gained… 

Budget Musings – 2023


The first budget of #AnritKaal has laid out a roadmap for robust growth and for a vision of India @ 100. 

This may not have been the wow budget that many would have wanted. However, with the current environmental and global politico-economic factors, I must say the FM did a commendable job of showing fiscal prudence and, at the same time, focussed on growth that is inclusive, #Atmanirbhar and sustainable. 

One thing folks in management and marketing profession should learn from the current dispensation is the ability to come up with themes that are both catchy and easily understandable. This year too was no exception where the FM grouped her focus areas under seven priority heads which were aptly named “Saptarishis”.

#Financial sector which is one of the 7 pillars shows its importance for the overall growth of the economy. With the growth in the past years being a testament to India’s existing digital infrastructure and #fintech services, #Budget2023 focused on furthering the role played by the nation’s digital public infrastructure. Initiatives like setting up the National Financial Information Registry and the Central Data Processing Centre show that the government and regulatory bodies have their eyes set on enhancing financial stability. I am keen to see the amendments to the Banking Regulations and RBI act that the FM mentioned about. 

With a 33% increase in CAPEX, the FM has walked the talk on infra and investments. This demonstrates how the Govt. is leading from the front in sustaining growth in a systemic manner. The carrot offered to states with a 50-year interest free loans to focus on specific capital expenditure was heartening.

The number of initiatives focussed on tribals, and marginalised segments shows the intent of the Govt for an inclusive growth.

For a nation that is aspiring to be a middle-income country in the next 25 years, growth without considering the environmental impact could have been an easy path to have taken. It is a matter of pride that the FM has green growth as one of the priority items. Be it the green hydrogen mission, use of alternative fertilizers and emphasis on natural farming there has been many an initiative. India is leading from the front in taking care of mother earth and leaving a healthy planet for posterity.

Speaking of which with India having the largest youth population, it is only natural for youth power and entrepreneurship finding a place in the priority list.

the income tax relief that has been widely anticipated needs to be studied in more detail. the effort, in a calibrated way, seems to be getting towards the DTC regime. The other highlight of the budget is on the non-fisc side. Be it harmonising ID requirements for MSMEs with PAN or dismantling many licensing requirements is a step in the right direction. 

While a lot of right things were said, my view is that the Govt needs to bring in significant reforms and focus on four areas a. while education and vocational training did form a part of the budget speech, a real thrust in a PPP mode is required where the curricula is radically modified b. Urban planning and infra is in shambles and spaces are built without regard to planning, aesthetics and cultural preservation. Again, while the FM did focus on this, my view is more of the same will lead us nowhere c. I believe the Govt has to work to bring down the number of people in the agri sector to less than 10% of the workforce. This is not going to be easy task and reforms including market linkages, storage, financing is critical d. a need to focus on holistic healthcare where the traditional and modern techniques find the right balance, 

On all the four points above, there are challenges and opportunities galore. Re the numbers front, I am keen to see where disinvestment and asset monetisation will fit in. Further, if tax buoyancy continues to be high then there could be more investments on CAPEX for the coming year. 

Overall, a great budget that sticking to fiscal prudence coupled with the aspiration of a growing India. 

A Tryst With Arunachalam

It is exactly a week since I ticked off something from my bucket list – a trip to Thiruvannamalai and completed the Giri Pradakshana (Giri Vallam; Parikrama) around Arunachala Hill. Also, was eagerly waiting to visit Ramanashram and meditate at the place where Ramana Maharshi spent most of his time.

As told by Ramana Maharshi, Arunachalam is Lord Shiva himself, & the positive energy you feel all around is quite evident. The Pradakshana, best done on Purnima, is a 14km barefoot journey around the hill. We embarked on this journey knowing it would not be easy. We  reached Thiruvannamalai on Friday, 9th Sep in the assumption that the full moon day was on the 10th and that is when we would undertake the Pradakshana. However, Pournima began on the 9th at 1800. We then modified our plans and around 1730 , we made our way from the hotel to the Ganesha temple which is regarded to be the starting point. Once we began our journey after taking blessings from Lord Ganesha at 1900 I saw a sizeable crowd but still did not realize what I would encounter. We were told the number would be around a lakh!

The barefoot walk was quite demanding but what kept us going, was the crowd around us completely immersed in devotion. I must say that  our young kids who accompanied us walked along in a relatively non-fussy way. It took us 6 hours to complete the journey and though our legs were gone , it was an exhilarating feeling. While I would not know the exact number of people who had undertaken the journey, I do think that a lakh may not be as wild a number as I had thought. If one were to be conservative, we could say that it was a few tens of thousands.   At 0100 when we completed the Pradakshana  so many people were beginning their journey and the whole atmosphere of faith and devotion needs to be seen to be

The next morning, I sat down to view Arunachalam from the comfort of our hotel & found myself transfixed at the sight. I sat there for over 2 hours, simply contemplating & it was one of the most calming feelings. The serene feeling continued with our visit to Ramanashram. There is something magical  in the ashram and one can sit there in contemplation for hours.

There was positivity all around and this trip was an absolute blessing. After a tiring schedule, guess I deserved to rest on an easy chair in the afternoon. And as I write this post from my home in Bengaluru just today morning we were discussing about  when the next  trip to Arunachalam should be planned for…

The Feisty Marriage

Appalams aka Poppadums is the basic accompaniment of any South Indian meal. Whenever I encounter these addictive culprits my minimum count is half a dozen and so I shudder to think what would have happened to the puny me at this wedding… 

At a marriage in Kerala began a fight

When the diners said it was their right

For an extra serving of appalams 

So amidst the beating of drums  

They showed off who got how much might