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Spiritual Ideas Sore At The World Hindu Congress

A moment comes, which comes but rarely in history, when we step out from the old to the new -- when an age ends, and when the soul of a nation, long suppressed, finds utterance.

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Hinduism
Government invites entries for first National CSR Awards VOA

At its best, speeches at the recently concluded World Hindu Congress echoed the soaring spiritual ideals evoked by Swami Vivekananda in Chicago 125 years ago.

Even Mohan Bhagwat, Sarsangchanalak of the Rashtriya Swayamsevak Sangh (RSS), focused essentially on the need for unity and patience among Hindus while fighting obstacles, of which, he said, there would be many. The burden of excavating implied accusations in Bhagwat’s speech fell to his critics.

At the plenary session, the moderator requested speakers to address issues of conflict without naming the speakers or their organisations in the interest of harmony. Other speakers sought to unite the followers of all the great religions that took birth in India — Hinduism, Sikhism, Buddhism and Jainism.

Some of the speakers from Bhagwat to Swami Swaroopananda of the Chinmaya Mission, framed the issues before Hinduism in a moral paradigm. Ashwin Adhin, the Vice President of the Republic of Suriname, began his speech in chaste Hindi, later quoting cognitive scientist George Lakoff: “Facts matter immensely. But to be meaningful they have to be framed in terms of their moral importance.”

Hinduism
Buddhism relates sins to the characteristics one adopts. Pixabay

The dissonances, between the spiritual and the mundane, were to emerge later on the fringes of the seminars which were part of the Congress. Many of the delegates appropriated to themselves the mantle of a culture besieged by proselytising faiths. There were speakers who urged Hindus to have more children to combat their ‘dwindling population’. Posters warned Hindus of the dangers from ‘love jihad’ (Muslim men ‘enticing’ Hindu women).

In one of the sessions on the media, filmmaker Amit Khanna noted that religion had always played a prominent part in Indian cinema, starting with the earliest mythologicals. “Raja Harishchandra”, the first silent film, he said, was made by Dadasaheb Phalke in 1913. He sought to reassure the audience on the future of Hinduism. “Over 80 percent of Indians are Hindus,” he said adding: “Hinduism has survived many upheavals for thousands of years. Hinduism has never been endangered.”

Other speakers, lacking spiritual and academic pedigrees, drew on an arsenal of simulated anguish and simmering indignation.

The nuances of history pass lightly over the ferociously devout and it took little effort to pander to an aggravated sense of historical aggrievement.

Hinduism
Swami Vivekananda used to stress upon the universal brotherhood and self-awakening. Wikimedia Commons

At one of the debates, the mere mention of Jawaharlal Nehru, India’s first Prime Minister, elicited sniggers and boos. The speaker hinted at ‘Nehruvian socialism’ which had made the Indian economy a non-starter. He concluded with a coup de grace, to a standing ovation: “Nehru did not like anything Indian.”

The poet Rabindranath Tagore, who composed the Indian national anthem, had spoken of his vision of a country where the “clear stream of reason had not lost its way”. At some of the discussions, even the most indulgent observer would have been hard put to discern the stream of reason.

The image of a once great civilisation suppressed by a century of British rule and repeated plunder by invaders captured the imagination of many in the audience. Hanging above it all, like a disembodied spirit, was the so-called malfeasance of Nehru, the leader who had won the trust of Hindus only to betray them in the vilest manner.

These tortured souls would have been well advised to adopt a more holistic approach to Hinduism, and history, looking no further than Swami Vivekananda, who once said: “The singleness of attachment (Nishtha) to a loved object, without which no genuine love can grow, is very often also the cause of denunciation of everything else.”

Hinduism
The Hindu population in Pakistan is about 1.8% according to the 2018 census, 0.2% more than that of the 1998 and the 1951 figures.

Historians have informed us that Nehru preferred his father’s intellect over his mother’s tradition but he was never contemptuous of religion. While he undoubtedly felt that organised religion had its flaws, he opined that it supplied a deeply felt inner need of human nature while also giving a set of values to human life.

In private conversations some delegates spoke of how their America-born children had helped persuade them to drop their pathological aversion to gays and lesbians. Despite their acute wariness of perceived cultural subjugation, the irony was obviously lost on them that Article 377 of the Indian Penal Code,(which criminalises gay sex) recently overturned by the Indian Supreme Court, is a hangover from the Victorian British era-embodied in the Buggery Act of 1533.

In the face of the upcoming elections in the US, Congressman Raja Krishnamoorthi’s decision to speak at the conference was a political risk. With a newly energised political Left, even the perception of being linked with “fascist” or sectarian forces could be political suicide in the critical November elections. Despite vociferous appeals to disassociate himself from the Congress, Krishnamoorthi chose to attend.

“I decided I had to be here because I wanted to reaffirm the highest and only form of Hinduism that I have ever known and been taught — namely one that welcomes all people, embraces all people, and accepts all people, regardless of their faith. I reject all other forms. In short, I reaffirm the teaching of Swami Vivekananda,” Krishnamoorthi said.

Given the almost pervasive abhorrence of anything remotely Nehruvian among a section of the delegates, it was a revelation to hear the opinion of Dattatrey Hosable, the joint general secretary and second-in-command in the RSS hierarchy. Speaking on the promise of a newly-resurgent India, Hosable said in an interview to Mayank Chhaya, a local journalist-author-filmmaker: “A moment comes, which comes but rarely in history, when we step out from the old to the new — when an age ends, and when the soul of a nation, long suppressed, finds utterance.”

Also Read: Triple Talaq Now Banned in India

The quote is from Nehru’s famous Tryst with Destiny speech delivered to the Indian Constituent Assembly on the midnight of August 14, 1947 — proof, if any is needed, that the force of Nehru’s ideas can transcend one’s disdain of him. (IANS)

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Top Investment Options for Beginners in India

The most important thing that guarantees high returns on your assiduous earnings is safety

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Time and Money
"Money can't buy happiness". A group of researchers believes the opposite with scientific backing. Pixabay

Investing your savings is a good idea. You just cannot keep saving money because of two main reasons.

Firstly, the savings will not grow. Most of the times they stay the same unless you count the nominal savings account your bank keeps adding half-yearly or yearly. Secondly, some need or the other arises, and you will be inclined to spend the money out of your savings than going for a loan.

We cannot stop some need. Now and then, some appliance in your house needs a repair or replacement, same goes good with your vehicles, kids, spouse and so on.

So locking away your savings so that you will not use them at convenience and letting them grow in the meanwhile is a good strategy.

Only if you knew how, when and where?

Most of us are good at working hard, slogging it out and earning the few extra bucks, but when it comes to investing and make money grow, we have neither the expertise nor the time for it.

As the famous billionaire and investor, Warren Buffet put it – “Unless you are making money while you are sleeping, you will keep working till you die”.

Safety First

Let us explore some of the investment options for people who are planning to invest.

  1. Public Provident Fund (PPF)

For a change, the Public provident fund or PPF as it is more popularly known as needs no introduction. Every employee working in a limited company or a governmental organization knows of this.

PPF is also one of the main reasons behind most of the Indians growing lazy and not trying to look for other investment options unless your wall in the above average or the top bracket. At an interest rate of 7.9% and dual contribution from the employee and the employer, PPF is the lifeline for all employees, especially if they keep contributing until retirement without withdrawing.

There is a facility to withdraw the money if you are jobless for a particular time or you can even avail three-year loans. However, mostly PPF is looked at as a post-retirement benefit than an investment option during your working years.

But an investment nonetheless.

You can save anywhere between ₹ 500 to ₹ 1.5 lakhs a year, and we all know why it is the favorite – These savings exempt from tax, However, if you choose to invest more than ₹ 1.5 lakhs a year in your PPF, the excess amount will neither earn interest or tax benefits. Minimum lock-in period is 15 years.

Fixed Deposit Scheme, India
Fixed Deposits are one of the more common and preferable investment schemes in India. Pixabay
  1. National Savings Certificate (NSC)

At an interest rate of 8% per annum, backed by the Government of India and the convenience of obtaining one (your nearby post office), a National savings certificate or an NSC can be not ignored.

Though it has a minimum lock-in period of 5 years, (the other option is 10-year lock-in period), the guaranteed good yields make it a preferred investment option by quite a few. But this is also the most ignored option by many for some reason.

Investment up to ₹ 1.5 lakhs is exempted from tax. The interest rate is revised quarterly, and the amount is compounded annually.

Another advantage is that the investments in NSC are accepted as collaterals by many banks and NBFCs (non-banking finance corporations). However, you cannot touch your amount for a minimum period of 5 years.

  1. Equity Linked Saving Scheme (ELSS)

Shorter lock-in periods and high-interest rates are the USP of the equity-linked saving schemes (ELSS).

In the ELSS, the minimum lock-in period is three years, and you can choose to make your earnings as regular dividends through the three years or receive a lump sum at once after your lock-in period ends. Therefore, this is a plan that lets you draw the amount within your investment period and gives you a chance to earn more than the rest – 15-18% returns. A near 11% interest offered by NPS (the national pension scheme) is a distant second. In addition, you do not need to invest the entire amount at once. You have an option called SIPs (systematic investment plans) by way of which you can invest as low as ₹ 500 a month.

Investments up to ₹ 1.5 lakhs are exempt from taxation, but returns are taxable. The LTCG or long-term capital gains from ELSS are taxable if they are above ₹ 1 lakh.

There is a fair amount of risk involved, and your investment may not end profitable every time. However, you can take the help of fund managers (or mutual funds) and play it safe.

  1. Recurring and Fixed deposits

Most of the nationalized and private banks offer you this facility at different interest rates and deposit lock-in periods.

In a fixed deposit (FD) scheme, you make a deposit lump sum, which will mature at the end of the pre-determined period, and if you do not have the capital to start with, you can choose a recurring deposit (RD), where you can add a fixed amount every month, which can be withdrawn at the end of the maturity period.

The interest earned with a recurring deposit may be less than that of a fixed deposit, but in case of an RD, you are creating an investment with your savings. Not all of us may have the luxury of investing a lakh or five lakh rupees to start with.

Again, investments up until ₹ 1.5 lakhs in 5 years fixed deposits are exempt from taxation, but returns are taxable. Recurring deposits and fixed deposits for a period of less than five years are not exempt from income tax.

  1. National Pension Scheme (NPS)

Many, after the introduction of 2-tier system, look upon another government-backed scheme, NPS, as a useful option.

Under the Tier I NPS, one has to contribute a minimum of ₹ 6,000 per year to keep the account active. The money cannot be withdrawn till you reach 60 years of age (partial withdrawal allowed in exceptional cases) and if you choose to exit the scheme mid-way, 80% of your savings have to be invested in an annuity plan (which will be returned to you as monthly pension payments after retirement).

The Tier II NPS is a non-retirement scheme, which is more like a savings account and allows you to withdraw money when you want. There is no lock-in period, but government employees can avail tax exemption if they lock-in their savings for a minimum period of 3 years. You need to have an active Tier I account to open a Tier II account. However, this scheme is not looked at as a long-term investment due to certain limits on investments, as you cannot invest more than 50% of your savings in stock markets, etc.

Interest rates are high at 12-14% and investments up to ₹ 1.5 lakhs a year and an additional ₹ 50,000 per year can be exempted under subsection 80 CCD.

Also Read: Online Games: What Risks Do They Pose To Children?

Though there are many more private and non-governmental schemes whit flexible options which offer you a lot of conveniences and promise higher returns, it is always wise to think about safety first when it comes to investments.

It is hard-earned money, and we cannot earn it again. So, it is always safer and wiser to go with a trustworthy scheme which may offer fewer returns than a fancy scheme which gives you a lot more.

The most important thing that guarantees high returns on your assiduous earnings is safety.