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Why “Jo Jeeta Wohi Sikandar” is still relevant in 2018

When a lot of us were growing up, one of the first things we imbibed from Western History is the usage of the acronyms BC and AD. The reason revolves around how Christianity is so deeply embedded in a lot of the Western powers and thus, their religion’s pre-eminence to denote a ‘before’ and an ‘after’ Christ. But beyond definition, the idea of BC and AD is also embedded in the psyche because it represents a marker in history.
Cut to 70mm, the movie Godfather represents a before and after in their cinematic experience; for Indian cricket, the year 1983 represents the dividing line between a game the nation took an interest towards and the game that became an obsession; in the storied career of Sir Alex Ferguson, the clock ticking down at the Camp Nou in 1999 was, for many, a before and an after. These experiences in history are unique because it constitutes those rare instances when one can truly feel that they were a part of history, that the experience is so special that repeating their own versions of it are considered almost natural.

And for Sport on India’s 70mm, the nation will unanimously agree that 1992’s Jo Jeeta Woh Sikander represented a before and an after.
Let’s give it some historical context. When the Mansoor Khan directed movie was making its debut, across the country, India had already been enamoured by Cricket for well over a decade. In fact, a few months prior to Jo Jeeta’s release, a precocious young Mumbaikar had played in his first Cricket World Cup and added to an already burgeoning list of superlatives. So, wouldn’t it make all the sense of the world grand climax on the Cricket field? Shouldn’t Sanju Sharma have practised his right-arm fast-medium instead of speeding downwards on a mountain pass?
But it didn’t and we are all glad it didn’t.
This nonconformist take echoed throughout the movie – symbolized by the lyrics, ‘jo sab karte hain yaaron vo kyon hum tum karein” – is a take that would’ve ushered millions of likes from today’s millennial. The protagonist isn’t your do-gooder living by some code, nor is he the quintessential all-rounder that academic institutions treat like gold dust; instead, a carefree lad who lives life as he pleases and in all honesty, he is the black sheep in the family. But where it evolves into the sporting narrative is as it is in innumerable sports stories – both in fiction and in real life – there is always that moment when someone changes their errant ways and focuses on Sport, dedicates their mind and soul to the craft and makes something happen that remains etched in everyone’s minds.
For Sanju, that moment to reflect and change boiled down to his brother Ratan’s accident.
The other aspect of the movie which will resonate powerfully with any football fan in 2018 is the fight against those who’ve always had the resources – mostly money – and those who’ve always had the heart. This plays out wonderfully in the foothills of the Himalayas as the intensity of inter-college competition is brought to the fore but in the backdrop, it is quite clear that the narrative of rich vs resourceful is playing out seamlessly in the narrative. The students from Rajput are every bit the super club, rich, arrogant and very aware of how society perceives them; the students from the Model school are from modest backgrounds, and they are always on the lookout to get one over the ‘aristocracy’.
In two separate incidents, this plays out wonderfully. In the first race, Ratan loses a right race against his bête noire, Shekhar, not because he was inferior as a racer, not because of poor preparation, instead, it was because of a failed bike. Not the lesser man, just the man on the lesser machine.
But the greatest achievement of the Jo Jeeta team, cast, director, et al, managed is in managing to tell a story that was set in 1992 but in a microcosm represents a growing India breaking free of its shackles, breaking free of the status quo and not falling prey to formulaic storytelling, especially when seen through the lens of Sport. Whilst some people will see Jo Jeeta as more drama than Sport, the argument can be made here that Jo Jeeta told a sporting story that would resonate with almost any Sports fan belonging to any age, the triumph of a good for nothing over the powers-that-be; where all the grit and determination is to beat your opponent but each time the wheel turns, it is also for something better, something bigger, for a different tomorrow.
This is why as Sports fans; it makes all the sense in the world to revisit this timeless film and acknowledge the tremendous contribution it made towards bringing together Sport, School, and Society. The year 2017 was the 25th anniversary of Jo Jeeta and in this ensuing period, there have been excellent successors in the form of Lagaan, Dangal and Chak De India, but if there is one thing that half a century hasn’t done is displace Jo Jeeta’s unique position as a marker in both cinematic and sporting history.
First, there was Jo Jeeta Wahi Sikander. Then there was everything else.

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6 reasons to buy a credit card for your business

Although SMEs and large corporations use business credit cards for their business purposes, these cards can be used by anyone who needs a separate business account. Using a credit card for your business needs can help you track business expenses and keep them separate from any personal account. Furthermore, using a credit card for business also helps in monitoring transactions and at the same times gives you the benefit of owning a credit card and various rewards associated with it. Here are the reasons how your business will benefit from owning a credit card:

  1. Financial Flexibility: Regular cashflows can be an issue for business owners, especially when the work is slow or when you are waiting for your clients to make payments. Having a credit card can provide a revolving line of credit that you can use to make an important business-related purchase. Sometimes, businesses may be faced with a shortage of funds or cash. A credit card for your business gives you access to emergency funds to keep the business afloat.
  2. Separate Business and Personal Expenses: Having a credit card for business allows you to keep track of your business and personal spending. The same makes record-keeping easier. With business credit cards, you can easily track your expenses, understand overheads and itemize essential and non-essential purchases. With a credit card statement, you can easily gauge how many expenses have been made towards your business or personal expenses, thereby helping with better informed financial decisions.
  3. Better Cash Flow: Whether you have just started your business or have been around for a while, it will take your business some time to get off the ground. A credit card provides great advantages. It can improve your cash flow when a client invoice is due. You can also limit the spending on your card if there are multiple users on your credit card. Since you can track all the expenses with credit card statements, you can limit any unnecessary spending made towards your business, thereby improving the cash flow even further.
  4. Offers & Rewards: Credit cards often come with extensive reward programs. Rewards such as rebates on airline tickets, fuel purchases, hotel bookings, etc. are provided to credit card users. Not only these, but you can also avail cashback options on various purchases from select partners. You can avail such rewards and offers with every card swipe and enjoy various discounts that come your way. Furthermore, rewards issued on employee credit card also go towards the business.
  5. Low Line of Business Credit: If you are in the initial phase of trying to set up your business, you need to consider building a good line of credit to bring credibility to your business. Running a business is always a risky affair, and there may be chances that market fluctuations will not necessarily work in favour of your business. In situations like these, having a financial cushion is necessary, and applying for a loan could be necessary. In such a situation, having a good line of credit will come handy as it could work in the same way as a credit score works. A lender is more likely to approve your business loan if there is a good line of credit through your credit card statement.
  1. Accounting Features: One of the best features of a credit card for your business is that it comes with accounting features such as downloadable purchase report, expense report, monitoring, account tracking, etc. These will let you take care of your business account in a more efficient way.

It is clear that having a credit card could be a great investment option for your business. With the option of availing various rewards and benefits and choosing from different credit cards, you can opt for the one that is best suited to your business requirements. For instance, IndusInd Bank’s Platinum Credit Card offers many privileges on fine dining, travel and lifestyle. As a Platinum Credit Cardholder, you can also enjoy a host of rewards along with quick redemption options. So, apply for a credit card for your business today with IndusInd Bank.

 

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5 tips to use your credit card wisely

Most of us would have experienced the joy of owning a credit card for the first time. And we all know how great a financial backup a credit card can be if used in the right manner. If used smartly, a credit card helps you manage your monthly expenses. Apart from being a powerful financial tool, a credit card also brings in numerous benefits like discounts, bonus, exclusive offers, and reward points. Here are the top 5 tips and tricks to use your credit card wisely:
1. Have a proper understanding of the billing cycle of your credit card. The interest rate charged on a credit card is around 20–30% per annum. All the banks offer an interest-free credit period, which varies from bank to bank. The interest-free credit period is not calculated from the time you buy any commodity, but according to your billing cycle. For example, if your credit card bill is generated on the 20th of every month and you purchase an LED TV on the 15th, then you will only get 5 days of interest-free credit period. However, if you buy the same TV on the 21st, then it will be billed in your next cycle. So, always plan your purchase according to your billing cycle to enjoy a maximum interest-free period.

2. Think before you opt for a cash advance: Many of us are attracted by the cash advance feature of a credit card. There may be times when you would want to avail the cash advance facility, but this should be your last option. A high interest rate is charged on cash withdrawals using the credit card. Also, the interest rate on cash advance starts from the day of withdrawal and is compounded until it is paid in full. Therefore, avail this facility only during emergencies.

3. Pay the total due amount: Every credit card bill mentions two payable amounts: (a) total amount payable and (b) minimum amount payable. A new credit card owner often gets confused and pays the minimum amount due instead of the total amount. Although you have paid the minimum amount due, you will be charged an interest rate on the entire amount due. By paying the minimum amount due, you will be exempted only from late payment charges.
So, always pay the total amount due.

4. Avail maximum benefits: Credit cards have several benefits attached to them. Each transaction done through a credit card can fetch you reward points. These points can be used to get discounts while shopping at specific shops and websites. Also, there are credit cards that give you access to lounges, golf course, extra baggage allowance, cheaper insurance, etc. You can choose a credit card based on the type of transactions you make. For example, if you often dine out, choose a credit card that gets you discounts or higher reward points on dining, or if you travel a lot, opt for a credit card that fetches you air mileage and lounge access. Use your credit card judiciously while shopping and dining to earn maximum reward points.

5. Understand charges and penalties: With a long list of benefits and bonus come some charges and penalties. Before signing up for any credit card, go through the company’s charges and penalties section, to know about late payment charges, annual maintenance charges, balance transfer fees, over-limit fees, cash advance fees, and foreign transaction fees.Read and understand the fee and charges section carefully before signing the application form.
A delayed credit card payment affects your credit score.Timely payment will lead to a better credit score. Also, depending on your usage and disciplined payment, your bank may even decide to increase your credit limit. A good credit history will help you get other loans easily and at a better interest rate.

So, gather information about various credit cards available and apply for the best possible card for you depending on your usage and requirement. First-time credit card holders should be extra cautious while using their card. They tend to get tempted by offers and discounts and land up in debt. Set a monthly budget and stick to it. Continuously monitor your expenditures through mobile app or internet banking so that you do not exceed the budget.

Another important thing beginners need to take care of is the security of the credit card. Credit card theft and fraud have become common. Keep your credit card PIN and CVV number safe and do not disclose them to anyone including the bank’s personnel. Before making any online payments, check if the website is secured.
With these tips, you can make the best use of your credit card to fulfil all your needs.

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Indian sporting system has come a long way, yet the nation seems to lack collective sports culture at times

At the heart of the Indian sporting scene is a contradiction. On one hand, you have seen India’s sports story weaving many a unique tale where it’s not all about eleven men on a cricket field, where corporates have come on board — in their various capacities — in increasing numbers to provide investment and opportunities. This has given rise to a plethora of leagues wherein Indians are able to consume sport that is decidedly diverse and engaging at the same time.
On the other hand, the captain of your nation’s football team, Sunil Chhetri, is asking fans for support before a match.
Whilst the truth of the matter is that the nation’s sporting scene has grown by leaps and bounds, why is it still in a state where such an anomaly — the Chhetri message — can exist in plain sight? The reason has to come down to a lack of sporting culture. Now, this isn’t to state that there is a complete absence of culture everywhere, as that is simply untrue. West Bengal and Goa have a rich history of producing footballing talent; Punjab has always been a hotbed for hockey; the North-Eastern states produce champions from across the aisle, be it football, wrestling, boxing; Tamil Nadu has been a conveyor belt for Grandmasters.
No, the absence here is that of a collective sporting culture where we don’t just get behind our teams but more broadly, we get behind sport itself; where our outpouring of joy isn’t restricted to the Olympics or the World Cup. Rather, it is shared throughout the year.
In order to instill this, we need to encourage sport at a grassroots level. Brands have always got behind athletes from a marketing point of view — brand endorsements, event promotions, cause-marketing — as this feels like smart investing, but thankfully, they’ve also come to the realisation that getting behind the ecosystem is even smarter investing. At the confluence of sport and society is the veritable sweet spot but in order to capitalise, corporates have to show ample patience and — as the Philadelphia 76ers preach so passionately in the NBA — they have to ‘trust the process’.
But for the doubters, the primary questions are always, ‘But can it work?’ and ‘Can we get together and help the sporting scene even if the immediate signs aren’t reassuring?’
To answer these questions, let’s look at two unique instances. The city of Bengaluru has never been known for its exploits in football. Through the 90’s and early 2000’s, the city’s football was represented by Hindustan Aeronautics Limited. Yet, it is in this city that India’s most interesting football experiment is paying huge dividends. Bengaluru FC is not just the best football club in the country, it is also the best managed.  But on their journey, BFC has also elevated the footballing ecosystem in the city — from the fans to the stadium, the training and right down to their approach to grassroots.
The other unique instance was brought about thanks to India’s entrepreneurs wanting to make a difference. When Mark Dharmai — a para-badminton shuttler — wanted to take part in an international event in Thailand, he was short of funds and needed help. This is where Mark was able to team up with Fueladream — a crowdfunding platform — and raise awareness around para-sports whilst also making a plea to him raise funds. The campaign proved to be a tremendous success as Indians got together to help Mark and for his part, the shuttler didn’t disappoint, winning a silver medal. The burgeoning entrepreneurial ecosystem has played the key-role of a problem solver but it also comes down to providing that tiny bit of support, which to you and I might feel tiny, but to the athlete, our gestures, support, could magnify exponentially. Today, Mark is one of the best para-badminton players on the planet and maybe, brands need to help more Marks.
With the Olympics in Tokyo only two years away, the glare of the cameras will focus on our athletes and rightfully so. But let us not forget the ones who don’t make it as their stories are just as much a part of the Indian sporting story for their stories are a better representation of what happens in sport: an incredibly crystalised version of survival of the fittest. When we think of an improvement, it could be in these stories — defeat at the eleventh hour, lack of funding, impatience in the face of a genuine talent — that we can really learn and build our culture and in the process, our sporting future.
And it can be bright, very bright.

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Encouraging Sports at nascent stage

Sport is unique in the sense that it can mould itself into a teacher, an intrinsic quality that should make it essential as a tool for education. In the course of one competitive match, a child can learn to take responsibility, to respect an opponent and to also play the role of a leader. But sport does this in a competitive landscape, thus making it more engaging than the everyday lesson in the classroom.

As a country that prioritizes academic success with such intensity, the need of the hour is for education to evolve outside of a ‘classroom-driven mindset’. The windfall from incentivising sport as an educative tool will not only allow parents and students to understand Sport at a core, it will also set in motion the desperate cultural shift that is at the centre of any sporting powerhouse.

In this regard, the Government of India’s Khelo India initiative has the potential to be a game-changer for the country not just from a cultural standpoint – encouraging ‘play’ as a daily activity for kids – but also from an education standpoint where parents and students can learn and understand sport as an educative experience. This will also drive home the potential for success on the field, acting as a precursor to the success in the classroom and even life.

Since sport can be utterly transformative and double-up as a powerful agent of empowerment, it’s important to encourage more children to pick up a sport. We, at IndusInd Bank, have realized the importance of encouraging sport at an early stage where apart from supporting sporting talent, we believe in the holistic development of a child.

IndusInd Bank Girl Power Programme is one such initiative. The programme, in association with Inspire Institute of Sports – the sporting arm of JSW, identifies young budding female athletes, spread across the country, across 6 sport disciples and provides a tailor-made programme that includes high-level coaching, intense education curriculum and holistic strength and conditioning programme which helps the athletes to evolve into a confident sportswoman with an aim to #WinLikeAGirl.

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