Friends
Political drama is at its peak and will remain so till end of next month. Intact, it is out door drama going till 12th May and after 16th , the day counting starts, it will move to inward. Lot of editing, dubbing , back ground music and so many other things would be done. More than half of the seats have been voted and people in those areas are nor back to business. Certain states like Karnataka, Rajasthan, Tamilnadu have been fully our of out door drama. Business in these states have started reviving to some extent though every one in the country will have to wait till counting .

Elections must have pumped in huge amount of liquidity in the system and this will support the economy. Let us hope for the best for the country and wish great economic growth of the nation. After all in last  5 years we have faced policy paralysis, arrogance,corruption, scam, inflation, negative growth in economy.

Whenever I go these days people talk about Gujarat. They wonder if really electricity is 100% and roads are good. Ahmedabad earlier was taken as a two tier city with normal activities, till elections. Thanks to the media that now we are taken seriously. There is huge responsibility on Gujarat now to lead the other states and sustain high growth. It would be a great challenge for this state and we are confident to prove right in untrue too.

CP

Friends

Election season is at its' peak. Democracy is dancing through politicians. Media is playing music and we public are having party time. What a pleasant dance where every one is proving himself best and trying to be the most efficient, intelligent and open heart person. These dancers become so humble that even god may be surprising what has happened to all these typical creatures who were not like this. Most embarrassing period for Bollywood actors who can't compete these politicians in acting.  Scene  is like we have entered into a Mela where lot of games, shop keepers, eateries etc. are selling their products by luring the public. Jokers are masked with different different faces, talking different tones and trying their level best to snatch maximum voters. They know these couple of months' efforts would take them to heaven again for 5 years. They behave so humbly but afraid of fellow actors . If required they can go to any extent in defeating others. What a festival of democracy we are passing through.

New financial year has also started about a fortnight ago and once the above festival passes after another month or so, we Indians will sit back and start again concentrating on Business and Economics. It seems every one including the current government and all its' institutions have virtually accepted the defeat and are simply passing the time. No action, no decisions and of course no energy. I wish we soon get over this and start the business again.

World economy is in better shape now and there are huge opportunities available for our country if we seriously make efforts. Indian economy is under stress without any doubt and needs firm and quick decisions to revive. Last March month has seen lot defaults in the banking system. As per my estimates, more than 4 Lac Crores of Loan are under distress at different levels and if not handled properly these may become bad .

My elder daughter Nikita has just finished her Law graduation and would soon enter into legal world. My best wishes to her for great career ahead.

CP

Friends

Festival of colors, Holi, is being celebrated today across the country. Today people meet , greet, and color each other and try to bury the bitterness  by merging  in colors. Lot of colors, sweets and above all greets rule the festival. I wish all my friends, colleagues and relatives a very colourful, Happy and pleasant Holi. There are lot of holidays in  a year but only one Holi Day. See the change in words. It may be so that our ancestors who define a rest day as Holiday wanted to make it Holy Day or Holi Day where we can meet and greet the people by burying the bitterness, forget & forgive the past.

Some months back , I had mentioned about the humiliation we get during the course of professional meeting mainly from the people we are quite close. The moment they become more important or high grade officers, they forget the old friends and even try to avoid them. I have experienced this many time in last 30 years of my experience and noticed that such incidences are party of our journey. They are required in our life as morale booster so we can remain humble and also try to improve ourselves. People often forget that time is never static and so their level too. Once again time would change and those who are insulting today are going to face the music tomorrow. Then they will not only repent but also get depressed with their behaviour . Life would be alone, aloof and deserted without any friend or relatives near them which would be too painful.

CP

Dear Friends

"People are Good, Assignments are Good, Efforts are Good, Relations are Good but ...Resutls are not Good." This is what exactly happening since last one year with me professionally. Despite giving 100% results are not up to the mark. May be some more improvements are needed to achieve expected results. But one thing is sure "Tough time never lasts, tough people do" and this my strong belief too.

I am writing after more than a month and dont feel that I am frustrate but yes it is painful definitely. I strongly believe this is "dark before dawn" and then no one would be able stop us from success. Patience, Persistent efforts and positive attitude are the Key for any successful venture and we retain them always.  

Currently the biggest democracy of the world is dancing on loud music of politicians' speeches, announcements, posters etc. DJs of this music party are well attired in different different masks, clothes and languages. Actors changing now, those who were heroes may become villians and vice versa. As per the estimates about Rs. 50000 Crs. would be pumped in circulation in this every 5 year party and may be soon new set of Government may be in action. Meanwhile in this loud sound of music and dance of democracy, no one is bothered about economics, inflation, Balance of Payment , Current Account Deficit and all. In last one week I could not hear any thing from our so called economists and financial wizards like PC, Montek Singh, Manmohan Singh. So Economics is in back burner now.  This is probably good for the country. 

Let us see what comes out on 16th May, 2014.

CP

Friends
First month of Year 2014 is almost complete. The month also witnesses my birthday. In fact, this month sets the tone for the whole year . The events of the month indicates about the coming months of the year. Most of the times it is true.

Today is Sad day for me and my family because I lost my uncle in law (Satish Chachaji) . He was very active , healthy and happy person but unfortunately a heart attack took him away from all of us. Chachaji was fond of travelling and no one can be more energetic at the age of 75 years than him. It was coincidence that he expired while travelling. I pray to god to peace to his soul and courage to all of us to near this loss.

Professionally the month has been quite positive but still far ahead than expected . I hope coming months would definitely be better day by day.

CP

Friends

Positive vibrations of year 2014 have started generating which may wipe out the pains of 2013. Year 2013 should be named as year of Knowledge and Experience. It broke the established business trends, old financing products virtually failed or slow down. Finance syndication activities had not only passed through a turbulent time, it has been redefined in 2013. Consultants were passed throughout tough churning filtering largely the small and new players out of the market.

Fortunately, initial vibrations are quite positive and after learning from 2013, finance consultants would make up the set back of 2013. While the entrepreneur or self employed professionals have to wait patiently for the right time, I noticed that employees or the professionals in job segment get impatient very soon. They get panicked and start leaving the organisations quickly without thinking for a moment that tough time never lasts but tough people do. I have seen lot of people leaving the organisation in 2013 without genuine reasons or under immense pressure of career. They did not even thought for a moment that employer has much more at stake than themselves and would definitely try his best to come out of such temporary situations.

In my view patience is one of the key factor along with the knowledge, attitude, behaviour and dreams.Without Patience nothing can be achieved and without achievement no Dream can be fulfilled.

I wish great year ahead for all my friends, relatives , peers, colleagues and family members.

CP

Friends
When ever there is challenging time, new inventions take place. The struggle to survive, sustain and grow takes us to new heights. In between we use all tactics of the game but it is always very long and cumbersome before we see the light. I'm talking about the Economic and Political turmoils our country facing. Last 2-3 years were not good for economy due to policy paralysis in the Government. This also resulted into political turmoils and various incidences like corruption, scams, arrogance, cheap language etc.
Being a finance consultant I have felt the impact of economic slow down directly. The advisory services has changed drastically in last 3 years. General finance products have changed and has been replaced more by the products commonly used in crisis. We need to be very much attentive and flexible in adapting the changing environment to sustain and grow. In my view coming six months would be more challenging and market will see lot of players going in hibernation. Also we may see some new financing products more convenient and comfortable to the financing needs. Let's prepare ourself and do the best. After all "this too would pass".
CP