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Sayambachiwadi in Baramati tehsil in Pune district, once stricken with drought, is now a picnic spot with a large lake and thriving agriculture. The vision of local elected representatives and aid and expertise from the Paani Foundation has helped transform this village into a water surplus one.
At the epicenter of this transformation is the village lake, spread over 6 acres of land. Manicured lawns slope down the embankment beyond which lies a massive water body in which boating activities were held before the lockdown. Crash guard and drains abutting the asphalted road, fencing, walking track, an open-air gym, and benches give this tank bund a plush, well-maintained look.
Located some 60 km from Pune and 30 km from Baramati, the village is spread over 1,403 hectares with a population of 1,800. The village receives moderate rain even during the monsoon and could harvest only the Kharif crop. Post the monsoon, the villagers had to rely on water tankers even to meet their drinking water needs. Four defunct lakes in the village only worsened the issue. Sayambachiwadi had to shed many inhibitions to bring about this change, driven by an outlook of villagers not to be tied down by the vagaries of nature, in general, and the southwest monsoon, in particular.
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The Water Cup
A gram panchayat decision to participate in the Satyamev Jayate Water Cup organized by the Paani Foundation ushered a turnaround. The competition was hosted annually from 2016 to 2019 and thousands of villages in Maharashtra took part in it. Shramadaan or donation of labor is the key point of this contest in which the villagers put into practice what they learned in the training.
The idea to pitch their names into the ring came from Sunanda Rajendra Pawar, chairperson, Sharadabai Pawar Girls' College in Malegaon, Baramati. For seven years, NSS students from the college had been undertaking camps in Sayambachiwadi. As part of these annual camps, the students had constructed seven bunds (an earth bank used to regulate the flow of water) in the village from 2011 to 2017.
In 2018, when the gram panchayat first considered taking part in the competition, they faced a mental roadblock. The condition that an equal number of contestants had to be women who needed to undergo six-day training for the competition outside their village was met with disapproval and the proposal fell through in the gram sabha.
Taking note of villagers' objection to the participation of rural women in community outreach initiatives, especially the need to undergo training in a different district, Sunanda took the lead to convince them. Her intervention on the importance of water conservation increased women's participation in the project through meetings, study tours, and this collective hard work helped the village overcome their reservations.
When the proposal was again tabled in 2019, Jaywant Bhapkar and his two friends from the village volunteered. Jaywant told 101Reporters, "At the gram sabha with my friends when no one volunteered for training, we registered our names seeing it as an opportunity for an outing. Since the rule mandated we needed an equal number of women - friend's wife, a GP member, and a 65-year-old tagged along."
"The training was in Bichkool, a village in Satara district, where the welcome overwhelmed me. Different water conservation structures were built there. They helped us understand how these structures worked through demonstrations. We witnessed how a drought-stricken village was now water surplus. All of this changed my casual attitude," Jaywant said, remembering the training days.
The returnees shared their Bichkool experience at the gram sabha. But septuagenarian Parubai Narayan Bhapkar remembered that residents of Sayambachiwadi were lukewarm initially to the idea and didn't commit to participating in the work, believing it would not change things. Prithviraj Lad, the coordinator of Paani Foundation Baramati taluk, helped turn their reluctance into enthusiasm by showing them films of villages that had benefited from the training.
Participants gradually increased in number. On the eve of work, a torchlight march was taken in the village. Everyone took an oath before the Swayambhu (village deity) to work honestly in the competition. The village ultimately lost out in the competition, but they won in the long term.
Out of 19 types of structures that could be built as taught in the training, the local geographical conditions permitted only seven of them to be built. Groups were formed and each group was assigned a task. Villagers built continuous contour trenches (CCT) in the barren areas and revived natural water stream paths. Mud from all four defunct ponds was removed and dumped in 50 hectares of fallow land. Absorption pits were built in every house to retain water. Eleven interlinked farm ponds were created which filled up during the monsoon.
The CCTs, around 6 feet wide and 3 feet deep, which if laid out side to side would stretch out to 9 km, have helped increase the water storage capacity of the lake. Overflow from two such CCTs during the monsoon feeds the lake and the rest recharges the groundwater, which has helped increase the irrigated area to almost three and half times what was before.
Also, bunds were constructed on 250 hectares of land. With the village receiving copious rainfall in 2019 and 2020, all the old and new water sources in the village started overflowing creating an abundance of water in this once water-scarce village. The area under cultivation in the village was 80 acres in 2017 and this went up to 300 acres in 2020, including 250 acres under sugarcane, a notoriously water-intensive crop.
"Living in a drought-affected area, I had never cultivated cash crops. But in 2012, I started planting an acre of sugarcane. At that time I had some water in the well, so I added drip irrigation. All the while I was scared about the scarcity of water. After the water conservation work was done for the foundation, my well is full of water. Now I have five acres of sugarcane crop, in which four acres are under drip irrigation. And I don't worry about water anymore, but I know the value of water," Appasaheb Bhapkar, a farmer from the village, told 101Reporters.
An era of abundance
Manohar Bhapkar, a former GP member, said that currently there is plenty of water in the village, which is a great relief to the villagers even during the pandemic. During the competition, he was responsible for managing the suction pits, 260 of which were being constructed in the village. This initiative helped treat wastewater from every household there.
Suman Suresh Kamble, a former sarpanch said, "Now my village is not drought-prone. In the past, we had to undertake a long trek every day for water and rely on tankers for water. Now our wells are full in summer also. From the gram panchayat fund, we started boating activities in the lake, created a garden around it, a track for exercise, and an open gym for citizens. This now attracts people from Baramati and Pune." Bamboo is also being grown on the embankment and it is expected that these activities will increase the panchayat income.
The efforts have also helped the village to improve groundwater levels. Lad talks about the village's water budget which was calculated by accounting for and averaging water use in every household and for each activity. "Sayambachiwadi requires 269 crore liters of water. Before the water conservation in 2018-19, the village had a water deficit of 163 crore liters. After the competition in 2019, the village is left with 53 crore liters of surplus water and water available in wells at 3 meters," Lad said.
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"This has created a peculiar problem in that farmers have turned to water-intensive sugarcane. Proper planning of available water is essential. Meanwhile, due to the pandemic and lockdown since March 2020, we could not carry out water budgeting at Sayambachiwadi. Water conservation work will be beneficial only if farmers plan their crops by available water according to budget," Lad added.
"As part of water budgeting, we are educating farmers to opt for drip irrigation and grow crops with less water. We have drawn up a five-year plan using various sources of funds under which bunds will be constructed on 200 to 250 hectares each year and 2000 saplings planted and nurtured every year, said Pramod Jagtap, who was the interim sarpanch."
Sayambachiwadi is now a model for other drought-hit villages with villagers from outside the Pune district undertaking study tours. Rohit Pawar, MLA of Karjat Jamkhed, who visited the village said, "I will strive to implement this project in my constituency. Two groups from Karjat-Jamkhed visited Sayambachiwadi. I like the dedication of villagers, who invest government funds properly." (IANS/JC)
By- Blogger Indifi
EMI is known as equated monthly installments. It is a fixed payment made by the borrower each month to repay the loan amount. The EMI is divided into two loan components. One is the principal amount, and the second is the interest amount. Whether you are applying for a personal loan, business loan, home loan, car loan, or education loan, EMIs are easy to calculate using the EMI loan calculator.
Three parameters based on which EMI calculator works:
- Loan amount.
- Repayment tenure.
- Rate of interest (offered by the lender).
Factors that affect the Loan EMIs
Above, we have discussed the main parameters on which loan EMI is based. Here are the factors that affect the EMIs.
Changes in the loan interest rate: There are three loan interest rates -- fixed, floating, and hybrid.
When an interest rate offered on a loan is fixed, in that scenario, there are no changes in the EMIs.
A floating interest rate is linked to the marginal cost of the fund-based lending rate and can change the loan EMIs. As the rate is flexible, it keeps changing per the repo rate.
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If you have taken the loan on a hybrid interest rate, the interest rate is fixed only for a particular tenure. After that, it is on MCLR to decide the interest rate, and based on the determined interest rate, the EMI changes.
Tenure: When you opt for a loan transfer from one lender to another, there may be a possibility of change in the loan tenure. It will also bring changes in the EMI calculations. If the tenure increases, it will decrease the EMI. In case the tenure is reduced, EMI will increase.
Sample loan chart of a business company Image source: wikimedia commons
The loan amount of repayment is also a reason that affects a loan's EMI. If you make a loan prepayment, it reduces the outstanding principal amount, based on which the EMI amount or tenure is changed.
Benefits of using an online EMI calculator:
- Find out exact EMIs to be paid monthly for any loan.
- Saves time.
- Get a detailed overview of loans applied using the amortization schedule.
- Plan your monthly finances well in advance.
You can set multiple schedules and loan tenures. After a detailed schedule comparison, choose the one that suits well with your financial requirements.
Significance of loan amortization schedule in EMI calculator
A loan amortization schedule data shows the EMI break-ups. It shows how much EMI you need to pay for interest and what you will pay as the principal amount. It is one of the most significant advantages of using the EMI calculator. The EMIs that you pay as principal will keep reducing the loan's principal amount. It will also result in decreasing the interest amount. You will get to know all these things when you use the EMI loan calculator frequently. The amortization schedule is one of the essential features of an EMI loan calculator that helps design the proper prepayment schedule.
The different types of EMI calculators
Home loan EMI calculator
Home loans are one of the most popular and common loans applied for in India. It has a long tenure and a sizable principal amount. Whenever you apply for a home loan, it is essential to do all the EMI calculations in advance. There are various home loan EMI calculators available online with every home loan provider. All that is required to calculate the EMI is the loan amount, tenure, and interest rate. Using a home loan EMI calculator can help you easily plan your finances.
Business loan EMI calculator
Like home loans, business loans also come with a massive principal amount and longer tenures. So, using the business loan online EMI calculator is a smart way to calculate the business loan EMIs. Requirements are the essential loan details, such as repayment tenure, interest rate, and the loan amount. Online, equated monthly installment is automatically calculated at the lender's website.
Personal loan EMI Calculator
Personal loans are multipurpose. It is the reason they are considered as the most applied loan to meet immediate financial requirements. For choosing the right loan amount, you must use the personal loan EMI calculator. It will help you to choose the best interest rate loan offer and tenure. Try to go with the shorter term to pay less interest on the principal amount.
Sample of External Loan amounts Image source: wikimedia commons
Education loan EMI calculator
Education costs increase each year and can cause financial strains on a family. If you are planning to send your child overseas for higher education by applying for an education loan, at that time, the EMI calculator proves to be the best online financial tool. It will help you to decide the right EMI amount where your daily expenses remain unaffected.
Simple interest loan EMI calculator
An EMI calculator is used to calculate the simple interest applicable on the loan amount for a specified tenure. It is one of the most accessible financial tools. All that is required is tenure, a simple interest rate, and the borrowed amount. After that, click on 'calculate' to know the exact EMI to be paid.
Loan against property EMI calculator
If you have any residential or commercial property registered in your name, you can apply for a loan against the property. It is a kind of secured loan, where the property is kept as collateral. To understand how EMI works under this loan scheme, use the loan against the property EMI calculator.
Overall, EMI loan calculators are one of the best financial tools to compare varied loan offers. It provides a clear picture of the total cost of the loan and respective EMIs to be paid monthly. Online EMI calculators are available on every lender's website; whether you are applying for a business loan online, home loan, car loan, personal loan, or any other loan, using the online EMI calculator can help. Just with a click of a mouse, you can keep control of your financial life.
The online EMI loan calculator has been programmed with the formula based on the loan applied. There is no need to worry about the accuracy of the result. All that you are required to share for the calculator to do its job accurately is the right amount, tenure, and interest rate offered by the lender.
Disclaimer: (This article is sponsored and include some commercial links)
The symbol of Swastika is known to signify peace, prosperity, and good fortune in the religious cultures of Eurasia. In fact, this symbol is considered very significant in Hinduism, Buddhism, and Jainism. But, at the same time, it has become one of the most misunderstood religious symbols and has been globally banned in many countries.
The reason why the symbol of Swastika is banned in many countries is because of its association with Adolf Hitler's extreme political ideology, Nazism, as Swastika as its official symbol.
Austria, France, Latvia, Spain, Germany, and Russia are amongst the many countries that have banned the display and use of the Swastika.
Moreover, last week Victoria in Australia is preparing to become the first-ever state to ban the public display of the Swastika. This is a step towards an expansion of anti-vilification laws in the state.
Representation of the Swastika on the flag of Adolf Hitler's Nazi Movement.Photo by Flickr.
Now, we must know and understand what went wrong with this symbol, which is sacred and signifies all-good things.
For a very, very long time, in India, the Swastika is the first emblem that is worshipped or even drawn before any sacred and auspicious ceremonies as this symbol in Sanskrit represents 'well-being'. But, the Swastika lost all its credibility when it was wrongfully used by Adolf Hitler.
In fact, it is believed that if this symbol is worshipped properly, then it gives positive results. But if it is abused, then it gives negative results. So, when Adolf Hitler rotated the Swastika at 45 degrees, it slowly and steadily brought misery not only to Adolf Hitler and his theory of Nazism but also to all the people who were associated with him.
Therefore, in order to give the kind of respect and credibility which the Swastika deserves, World Interfaith Harmony Week which was held in New York in February this year, interfaith groups appealed to the United Nations to recognize and acknowledge the Swastika as an important and peaceful symbol. In fact, they also differentiated it from the Hakenkreuz or "Hooked Cross" of Adolf Hitler.
Keywords: Swastika, Symbol, Nazism, Hinduism, Adolf Hitler, United Nations, Buddhism, Jainism
India celebrated a historic day on August 7, as 23-year-old Neeraj Chopra became the first Indian to win an Olympic gold medal in athletics. In the men's javelin throw event, he achieved his greatest triumph, throwing the javelin 87.58 meters on his second try.
Neeraj Chopra was born on December 24, 1997, in Khandra village in Haryana's Panipat district. He grew up in a Haryanavi family of farmers. He is the brother of two sisters. He graduated from Dayanand Anglo-Vedic College in Chandigarh and is now enrolled in Lovely Professional University in Jalandhar, Punjab, pursuing a Bachelor of Arts degree. Chopra was bullied due to his obesity as a kid, which prompted his father to enroll him in a nearby gym. He then joined a gym in Panipat, where Jaiveer Choudhary, a javelin thrower, noticed his potential and coached him. When the 13-year-old Chopra finished training under Jaiveer for a year, he was enrolled at the Tau Devi Lal Sports Complex in Panchkula, where he began training under coach Naseem Ahmed.
In 2018, he broke the world record in the javelin throw and became India's first-ever gold medalist in the javelin throw. He is also a laureate of the Arjuna Award for 2018. | Wikimedia Commons
Chopra's first international medal came in 2014, as he took home a silver medal at the Youth Olympic Qualification Tournament in Bangkok. In 2015, he set a world record in the junior category of 81.04 meters in the 2015 All India Inter-University Athletics Meet.
Since emerging into the public eye with a historic gold medal at the junior world championships in 2016, he has maintained a high level of performance, setting an Under-20 world record of 86.48m, which still stands. Gold medals in both the 2018 Commonwealth Games and the 2018 Asian Games are among his other accomplishments, including a first-place in the 2017 Asian Championships. In 2018, he broke the world record in the javelin throw and became India's first-ever gold medalist in the javelin throw. He is also a laureate of the Arjuna Award for 2018.
Chopra has also had his share of bad events in life. In 2019, he underwent surgery on the elbow of his right throwing arm, which kept him out of the game for almost a year. However, he returned more robust than ever. In November 2019, he went to South Africa to train from Klaus Bartoneitz. He spent the following year in India training at the NIS Patiala because of the COVID-19 pandemic. He was allowed to go to France with his coach after weeks of trying to get a travel visa.
Neeraj Chopra made history in the 2020 Tokyo Olympics by becoming the first Indian to win a gold medal in athletics. Also, it is worth mentioning that after Abhinav Bindra, Chopra is only the second Indian to win an individual gold medal.
Keywords: Neeraj Chopra, Olympics, Tokyo2020, Gold medal, javelin, India, Haryana