logo
Lunch dabbas, late nights, and a nation at No. 4

Lunch dabbas, late nights, and a nation at No. 4

Time of India01-06-2025
Barsha Nag Bhowmick has an opinion on anything and everything. A scribe for more than two decades, she writes on various topics including art, literature, relationships, lifestyle and anything that arouses her interest from time to time. When not into writing, she paints. Follow @barshanag on Twitter LESS ... MORE
When I was growing up, India's economic rank wasn't something we spoke about at the dinner table. We had other numbers to worry about, like school marks, electricity bills, and the queue number at the gas agency. Yet, somewhere along the way, without much fuss, the country kept changing… quietly, steadily, and with surprising consistency.
Last week, that quiet shift turned into a headline. India has overtaken Japan to become the fourth-largest economy in the world. It's more than just a number. It shows years of people's grit, homegrown jugaad (our clever fixes), big dreams, tough changes, hard work, and yes, a bit of chaos too. We have always done things our own way… a bit messy, unplanned, but it somehow works. And still, here we are.
There's something about this that quietly touches the heart. We just didn't wake up one morning and find ourselves in fourth place.
This was no overnight change. It grew from countless mornings full of hope. Parents saving for their child's engineering degree, women starting home businesses with WhatsApp catalogs, students burning the midnight oil in their hostels for exams like UPSC or CAT. It happened because people believed their tomorrow could be better, and did something about it.
I still remember the afternoon, way back, when the long-awaited black rotary phone arrived at our Kolkata home. We had waited years, and our number finally came. That phone, with its heavy receiver and soft click, sat like a prize in our modest drawing room. In our middle-class world, progress wasn't loud. It was a landline. It was a scooter. It was the first family trip to Puri by car.
Just a few lanes away, our local tailor in Delhi-NCR, who once stitched school uniforms and simple salwar-kameez sets, now takes orders through WhatsApp. His son, a first-generation college graduate, taught him how to use UPI. 'Bas phone hilao, paisa aa jaata hai,' he laughed when I asked him how it worked. That little moment stayed with me. Because the real India's growth isn't just numbers on paper, it lives in people like him.
And now, the credit card is our new wallet. What was once seen with caution is now understood as a form of earning too, through points, rewards, and cashback. Whether it's school kids buying books online or busy executives booking flights abroad, we have all figured out how to keep up with this new way of spending. It's a small shift, but it says a lot. Yes, the economy is growing… not just in numbers, but in how we think, spend, and plan.
We once gave long, landmark-based directions: 'Bhaiya, left after the temple, then ask anyone.' Now, we just say, 'I've pinned the location on Maps.'
Cassettes and DVDs once filled our shelves with pride. Today, even our elders say, 'Alexa, play Hanuman Chalisa.'
And remember birthday cards and long phone calls? Now, a tagged story, a reel, or a short video does the job… quick, creative, and gone in 24 hours.
A few decades ago, economic stories were tucked away in the business section… pages that most readers often skimmed past. They were filled with jargon and distant figures, disconnected from our lived realities. Today, a college student speaks of GDP rankings with the quiet confidence of a news anchor. We are talking bigger dreams now, and more of us believe we deserve to be part of the world's big conversations.
Of course, there's more to do. Inequality is real, infrastructure still needs support, and the divide between aspiration and access must narrow. Maybe it's time to stop for a second. Just breathe it in. Not to boast, but quietly feel thankful.
We didn't announce our arrival. We just showed up. With lunch dabbas and laptops. With late-night shifts at work and lines of code. With millet festivals and Make in India booths.
Germany is next on the list, and sure, there are hurdles ahead. The real question isn't 'Can we do it?' — we already showed we can. It's 'How will we do it?' Will we grow kindly, with care and conscience?
That is the next story. But for today, maybe we just whisper to ourselves: Chalo, kuch toh sahi kiya.
Facebook Twitter Linkedin Email Disclaimer
Views expressed above are the author's own.
Orange background

Try Our AI Features

Explore what Daily8 AI can do for you:

Comments

No comments yet...

Related Articles

Here's why you should apply for a RuPay credit card
Here's why you should apply for a RuPay credit card

Time of India

time12 minutes ago

  • Time of India

Here's why you should apply for a RuPay credit card

Academy Empower your mind, elevate your skills Network Merchant discount rate (approx.) RuPay 0.45% - 0.9% Visa 1% - 3% Mastercard 1% - 3% Make credit card payments using simple UPI QR codes Enjoy cashback benefits while using UPI Avoid carrying physical cards Access credit at millions of UPI-enabled merchants Pro tip: If you frequently shop at local stores that accept UPI but not traditional card payments, a RuPay credit card can significantly expand your payment options while still earning rewards. Check your eligibility: Most banks require a minimum income of ₹2-3 lakh annually and a CIBIL score above 700. You can check your credit score before applying. Compare options: Different banks offer various RuPay card variants with unique benefits. Gather documents: Typically, you'll need: PAN card Aadhaar card Income proof Address proof Passport-sized photograph Submit application: Use the Airtel Thanks app to apply digitally. Verification: The bank will verify your details and approve your application based on eligibility. RuPay: Excellent for domestic transactions, especially with UPI integration Visa/Mastercard: Better international acceptance Higher cashback on domestic e-commerce platforms Special discounts on Indian festivals Rewards on everyday spending categories like groceries and fuel ET Spotlight Credit cards for spends Did you know: RuPay accounted for half of all new credit cards issued in India in June 2024, highlighting its growing dominance in the market. Can I apply for a RuPay credit card with a low credit score? While a score above 700 is ideal, some banks offer secured RuPay credit cards against fixed deposits for those with lower scores or no credit history. How does UPI integration work with RuPay credit cards? After receiving your RuPay credit card, you can link it to your UPI ID through your banking app or UPI app, enabling QR code payments directly from your credit line. Are there annual fees for RuPay credit cards? Many RuPay credit cards come with zero or minimal annual fees compared to international cards, making them cost-effective for regular users. Can I use RuPay credit cards internationally? Yes, RuPay cards are accepted in Singapore, the UAE, Bhutan, and several other countries with expanding global acceptance through partnerships. Is it safe to apply for a RuPay credit card online? Yes, applying through authorised apps like the Airtel Thanks App ensures secure processing of your application with encryption protection. RuPay credit cards are transforming India's payment landscape with UPI integration, lower fees, and widespread acceptance. This guide explains their unique benefits, how they compare to international cards, and the simple process to apply for a RuPay credit card online through trusted credit card market in India is witnessing a significant shift, with RuPay cards gaining tremendous momentum. Recent data shows that RuPay now accounts for 16% of all credit card spending in India, with nearly half of these transactions happening through UPI. This indigenous payment network, launched by the National Payments Corporation of India (NPCI), has become a formidable alternative to international giants like Visa and makes RuPay credit cards particularly appealing to Indians? For starters, they're the only cards that can be linked directly to UPI for payments, a feature that has revolutionised how we make transactions. Whether you're a young professional in Mumbai or a small business owner in Jaipur, understanding the RuPay ecosystem can help you make informed decisions when you apply for a RuPay credit card growth isn't just a coincidence. It's backed by several compelling advantages:RuPay typically charges lower processing fees compared to international networks:This means businesses pay less when accepting RuPay payments, often resulting in better deals for is currently the only card network allowed to process credit card transactions through UPI. This integration has been a game-changer for users who want to:This integration means you can apply for a RuPay credit card and access both traditional card payments and UPI's convenience, truly getting two payment methods in RBI has actively promoted RuPay's growth through favourable regulations. This support has helped RuPay capture 16% of all credit card spending in India, with nearly half occurring through UPI-linked for a RuPay credit card online is straightforward:Many banks now offer completely paperless applications, making it easier than ever to apply for a RuPay credit card online . The entire process typically takes less than 30 minutes, with minimal documentation deciding whether to apply for a RuPay credit card or international alternatives, consider these factors:RuPay cards often offer tailored rewards for Indian consumers:With NPCI setting up a large R&D centre and expanding international partnerships, RuPay's future looks promising. The network is already accepted in Singapore, the UAE, and several other countries, with plans for further tech-savvy consumers, the Airtel Axis Bank credit card offers a compelling RuPay option with digital-first features and exclusive credit cards represent a significant shift in India's payment ecosystem, offering unique advantages through UPI integration, lower fees, and tailored benefits for Indian you're a first-time credit card user or looking to expand your wallet options, applying for a RuPay credit card online is worth to experience the benefits of India's native payment network? You can explore RuPay credit card options through Airtel Finance and join the millions of Indians embracing this digital payment revolution.

Credit on UPI; Amazon rushes into quick commerce
Credit on UPI; Amazon rushes into quick commerce

Time of India

time3 hours ago

  • Time of India

Credit on UPI; Amazon rushes into quick commerce

Credit on UPI; Amazon rushes into quick commerce Also in the letter: Banks keen on credit via UPI for small ticket loans Driving the news: How it works: A bank disburses a small-value loan to a credit account linked with a UPI app. The user then pays merchants or shops online using that UPI-linked credit. But why? Also Read: Eyeing leadership quick commerce and other formats: Samir Kumar, Amazon India chief Tell me more: What rivals are doing: Flipkart jumped in with Flipkart Minutes in 2024 and is targeting 800 dark stores by year-end. Blinkit leads with 1,544 dark stores as of June 30. Swiggy Instamart and Zepto each run over 1,000 stores, making competition intense. Also Read: Quote, unquote: By the numbers: Amazon's Prime Day hit 18,000 orders per minute at peak, up 50% year-on-year. Nearly 70% of new Prime signups came from smaller towns, underscoring demand beyond metros. The billion-dollar AI blueprint awaits: Five days to ET Soonicorns Summit 2025 Tell me more: Muted IT hiring with focus on in-demand skills in H2 Driving the news: Lateral hiring will remain selective, while fresh recruitment could hinge on new deal wins. Sharma expects hiring growth of only 3–5% in H2, mainly driven by roles in artificial intelligence, cloud, and platform engineering. Bucking the trend: Hiring targets: TCS: 40,000 40,000 Wipro: 12,000 12,000 Cognizant, Infosys: 15,000–20,000 Also Read: Keeping Count Other Top Stories By Our Reporters Protest against data centre certification scheme in vain: Third tender for IndiaAI Mission GPU cluster: New Artha Venture for top portfolio startups exceeds target: Global Picks We Are Reading Banks are finally looking to disburse loans via UPI, with initial trials in progress. This and more in today's ETtech Morning Dispatch.■ IT hiring in H2■ Data centre certification■ IndiaAI GPU tenderSeveral top banks are planning to extend credit lines via Unified Payments Interface (UPI), targeting users who have never taken a bank loan before, a fintech founder told loans, a recent innovation (less than two years old), come with an interest-free window post-disbursal. The Reserve Bank of India (RBI) has now cleared the air on key questions, enabling early pilots to take off.'RBI has given clarifications to some banks on how they can run it, and this would be around the likely treatment of the outstanding, interest-free periods, and reporting to the credit bureaus,' another fintech founder familiar with the development credit lines are typically secured against gold, fixed deposits, or offered as unsecured personal or consumer loans. Here's the flow:India has roughly 300 million UPI users, according to industry estimates, with 150–200 million considered active or power users. For banks, offering credit via UPI unlocks a sizable, ready market. For UPI, it may mark the next growth leap, mirroring the RuPay credit card Kumar, country manager, Amazon IndiaDespite being late to India's competitive quick commerce race, Amazon is gunning for the top spot. India country manager Samir Kumar told ET the company is building its 10-minute delivery play , Amazon Now, around customer inputs and sees 'multiple winners' in ecommerce.'Ecommerce is still early, and quick commerce is part of that; it's just faster delivery for us. It's still early days, so it's not like it's late. I believe there will be multiple winners, but at the same time, we are building it based on our customer inputs,' Kumar told said Amazon's recent sales indicate demand was strong among countdown has begun! Five days to India's most definitive congregation of unicorns of tomorrow! The fourth edition of the ET Soonicorns Summit will feature a keynote address by Dr. Sharan Prakash Patil, Minister of Medical Education & Skill Development, Government of Karnataka, outlining the state's vision for an AI-first will also unveil the ET Top Soonicorns and Minicorns of Karnataka | Priority Sectors 2025 report, produced in collaboration with Tracxn, spotlighting emerging hubs in Mysuru, Manipal, and Dharwad beyond report also highlights Karnataka's priority startup sectors—from fintech and digital commerce to EVs, HRTech, and EdTech—showcasing the state's dual strength of broad-based innovation and category-defining the theme 'From Research Labs to Revenue Models: The Billion-Dollar Blueprint for Scaling Indian AI Startups', five power-packed pre-lunch panels will map India's AI playbook—on capital flows, scaling, AI moats, foundation models, and the future of jobs—setting the stage for an unmissable gathering on August 22 in top IT services firms are set to dial down mid- and senior-level hiring in the second half of the year, turning instead to freshers armed with the right skills , as job security jitters linger across the hiring in the April-June quarter across the top five Indian IT firms is likely to continue, unless client spending picks up, said Neeti Sharma, chief executive of mass staffing firm Teamlease not all gloom, however. Demand is expected to stay firm for skills in AI and machine learning, cybersecurity, cloud engineering, and digital consulting. These hires will be targeted, not in bulk, said Aditya Narayan Mishra, chief executive of recruitment firm CIEL the slowdown, IT majors are sticking to their campus commitments for government is likely to proceed with plans for establishing data centre certification guidelines , despite the industry questioning the necessity for India-specific data centre standards and 3,850 GPUs will be added through the third round of the IndiaAI Mission graphics processing units (GPU) tender, according to the project's chief executive, Abhishek Singh. In this round, for the first time, IndiaAI has acquired 1,050 Google Trillium Tensor Processing India Ventures has successfully closed its new Artha Select Fund at Rs 432 crore, with plans to invest in 12–14 startups over the next four years across spacetech, fintech infrastructure, premium consumer goods, and applied AI.■ Startup down rounds are at a 10 year high, according to PitchBook data ( Fortune ■ Did the system update ruin your boyfriend? Love in a time of ChatGPT ( The Guardian ■ Apple finally destroyed Steve Jobs' vision of the iPad. Good ( Wired

How to set up auto debit for your SIPs and utility bills: A step-by-step guide
How to set up auto debit for your SIPs and utility bills: A step-by-step guide

Time of India

time4 hours ago

  • Time of India

How to set up auto debit for your SIPs and utility bills: A step-by-step guide

Setting up for mutual fund SIPs For utility bills Auto-debit mandates using UPI Managing instructions Academy Empower your mind, elevate your skills Points to note Always ensure that there is sufficient balance in the bank account before the autodebit date. It is a good idea to set up alerts for transaction tracking. Always cancel or update mandates in advance when switching accounts or services. While registering for a systematic investment plan (SIP), investors can authorise the fund house to debit a fixed amount periodically by submitting a National Automated Clearing House (NACH) mandate. This can be submitted physically or electronically, depending on the fund house. Online platforms and apps linked to bank accounts or UPI offer a quick e-mandate set up an auto-debit facility for utility payments, users can log in to their bank's Internet or mobile banking platform, navigate to the 'Bill Pay' or 'Auto Pay' section, and register their service provider as a biller. Verification is done through OTP authentication . Once it's set up, payments are debited automatically as per the billing have the option to use UPI for auto-debit mandates. While initiating an SIP or bill payment set-up, select UPI as the payment mode and enter the UPI ID. A mandate approval request is sent to the UPI app for authentication. Once approved, the amount is auto-debited on the scheduled date without requiring manual mandates can be tracked, modified, or cancelled via the bank's portal. Banks and financial institutions are mandated by the RBI to send pre-debit notifications to customers 24 hours before executing any recurring transaction. This notification is typically sent via SMS, e-mail, or app on this page is courtesy Centre for Investment Education and Learning (CIEL).Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.

DOWNLOAD THE APP

Get Started Now: Download the App

Ready to dive into a world of global content with local flavor? Download Daily8 app today from your preferred app store and start exploring.
app-storeplay-store