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It was at the peak of the Mumbai riots of 1992-1993 when my boss at The Indian Express, D. K. Raikar (now, Group Editor, Lokmat Media Pvt. Ltd.), saw that I was 'underemployed' and called me.
"Get Dilip Kumar's reactions. Quick!" he ordered softly.
With mild trepidation, I dialled Dilip Saab's number - and he answered. I reeled off my questions in a single breath, and he started his replies.
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There was a long pause, a short sentence, another long pause, a brief reply, one more long halt and a tiny reaction, each word measured before he uttered it. And so it went on for an hour.
In between the mega-pauses, a couple of times when I couldn't even hear him breathe, I would blurt out anxiously: "Dilip Saab...?"
And he would shoot back in chaste Urdu: "Intezar kijiye. Main aapse mauve guftagu hoon!" (I am with you, please wait!). I almost fainted.
After a weary hour, the marathon call ended, and I secured five or six sentences of invaluable, well-thought-out reactions.
As I replaced the warm receiver, Raikar mischievously remarked: "So, you got a full-fledged interview, huh?" I just smiled and trudged back to my workstation.
That was the legend - Dilip Kumar, who had a phenomenal rise from the son of a Pathan horticulturist to canteen manager to India's first and ever-green superstar adored across generations, besides being a shining example of a great actor, good human being and an intellectually sensitive person.
The death of the 'Tragedy King' has orphaned his teary-eyed kingdom of fans, followers and admirers, both in India and abroad. The much-revered Koh-i-Noor (Mountain of Light) of Mumbai's film industry has stopped glowing forever.
Born to Lala Sarwar Ali Khan and Ayesha Begum on December 11, 1922, Mohammed Yusuf Khan was one of 12 children. His father owned orchards in Peshawar, then a part of undivided India, and Nashik, was fondly groomed to take over the family business.
The tall, fair, dreamy-eyed handsome boy, who went to school at Deolali, the military cantonment town in Nashik, however, was impatient to script a different story for his life.
Later, the Khans shifted to Chembur in Mumbai, but in 1940, following differences with his family, he walked out of home and went to Pune, where he became a canteen contractor at the local army club.
In 1943, Devika Rani, owner of the famed Bombay Talkies, took a snack break at the canteen and was impressed by the courteous behaviour of the young Khan and asked him if he would like to act in films. He said he would if his "father permitted".
A few months later, after saving Rs 5,000 (a fortune in those days), he returned home to assist his father with the family's finances. When he broached the subject of a career in films, his father quietly but firmly said: "NO."
Undeterred, the young Yusuf Khan approached his father's old neighbour from Peshawar, Prithviraj Kapoor, who was by then a well-known actor, for help. It was only when Kapoor intervened that the senior Khan reluctantly relented.
Devika Rani kept her word, asked him to change his name to 'Dilip Kumar', offered him a job as an actor on a magnificent monthly salary of Rs 1,250 and cast him in 'Jwar Bhata' (released in 1944).
Over decades of unceasing popularity, the untrained but natural actor earned the respect of audiences and critics worldwidePhoto by Wikipedia
The film was a dud and it seemed as if the newly rechristened Dilip Kumar's starry ambitions would come crashing down. Two subsequent films, 'Pratima' and 'Milan' (both in 1945), featuring the fledgling actor, also flopped, but neither Dilip Kumar nor Devika Rani gave up.
Finally, it was 'Jugnu' (mid-1947), where he paired with the legendary singer-actress Noorjehan, that gave Dilip Kumar's career the push it needed. The young silver screen pair, who played college friends, became the heartthrobs of millions and the film grossed over Rs 50 lakh by the time India became Independent.
Post-Partition, Noorjehan migrated to Pakistan and Dilip Kumar continued in Mumbai. He gave other mega-hits such as 'Shaheed' and 'Mela' (1948), 'Shabnam' and 'Andaz' (1949), the latter with the formidable pair of Raj Kapoor and Nargis.
"He had this royal persona, always smiling but rarely guffawing, composed and soft-spoken. He chose each word carefully before uttering it, even as his audiences remained mesmerised. He grew in popularity and stature with each film," the head of Tina Films International, the 94-year old but sprightly A. Krishnamurthi said in a conversation with IANS.
An old friend of Dilip Kumar, Krishnamurthi made it a point to visit and greet the superstar every year on Eid. "Though in recent years, he failed to recognise even me, he would quietly stare at me, and grip my hand tightly for long, without a word, as Saira Banu hovered around caringly."
Over the years, Dilip Kumar earned the sobriquet of The Tragedy King for his memorable portrayals in films such as 'Andaz' and 'Jogan' (1950), 'Deedar' (1951), 'Damage (1952), 'Devdas' (1955), the epic 'Mughal-E-Azam' (1960), 'Gunga Jumna' (1961) and 'Aadmi' (1968), and many of the roles did affect his sensitive personality.
After professional psychiatric counselling, he tried to balance the image with light and airy roles in films such as 'Sangdil' (1952) and India's first full-colour film, 'Aan' (1952), 'Naya Daur' (1957), 'Kohinoor' and 'Azaad' (1960), and 'Ram Aur Shyam' (1967).
Years later, he returned to full-time acting, essaying multi-hued character roles in 'Kranti' (1981), 'Vidhaata' and 'Shakti' (1982), 'Mashaal' (1984), 'Karma'(1986), 'Saudagar' (1991), and his swansong, 'Quila' (1998).
"Over decades of unceasing popularity, the untrained but natural actor earned the respect of audiences and critics worldwide," says veteran Bollywood journalist, Jivraj Burman, who knew Dilip Saab well.
"He developed flawless acting skills, infused realism into every role in that informal era, attempted perfection in every shot/scene, and left an everlasting impression on the viewers, both with his dialogues and expressions. He was an institution of drama and a textbook of acting," Burman added.
ALSO READ Casting can make or break films
Citing an example of how he would immerse himself in each role/character, Burman remembers how Dilip Kumar arrived on the sets of 'Kohinoor' with bandaged fingers. The reason? He had hurt himself while practising to play the sitar for the immortal song, 'Madhuban me Radhika panache re' (sung by Mohammed Rafi).
Dilip Kumar has left an indelible mark on the Hindi film industry. The Koh-i-Noor may not be physically around, but it will shine bright in our hearts and memories. (IANS/AD)
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