Myth and Folklore in Naga-Mandala by Girish Karnad

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Vijay Tulshiram Jadhav

Department of English

Mahatma Gandhi Vidya Mandir, Karamveer Bhausaheb Hiray Arts, Science and Commerce College, Nimgaon, Tal–Malegaon, Dist.–Nashik

Email: vjadhav8390@gmail.com

Abstract

Girish Karnad is a major figure in modern Indian English theatre, known for his effective use of Indian myths, history, and folklore to examine contemporary social issues. Rather than merely retelling traditional stories, Karnad reshapes them to address problems related to marriage, gender relations, and individual identity. His play Naga-Mandala (1988), which is based on two Kannada folktales, is a clear example of this creative method.

This paper examines how myth and folklore function as important narrative devices in Naga-Mandala. Through symbols such as the serpent (Naga), magic roots, the anthill, and the Raat-Rani flower, Karnad brings attention to the suppressed emotional and sexual experiences of women within a patriarchal social system. These symbolic elements expose the emotional distance, moral weakness, and hypocrisy that often exist within male-dominated institutions, especially marriage. The contrast between the socially respected but emotionally indifferent husband and the caring mythical lover highlights the failure of patriarchal masculinity to provide emotional fulfilment.

The paper argues that Naga-Mandala uses folklore as a means of feminist expression by giving space to women’s inner experiences and desires. At the same time, it also reveals the limitations of traditional belief systems, as women’s acceptance depends on social and ritual approval. By combining oral folk traditions with modern theatrical form, Karnad shows that myth continues to be a meaningful and effective medium in contemporary Indian English drama.

Keywords: Girish Karnad, myth, folklore, patriarchy.

Introduction

After India’s independence, Indian English drama gradually moved away from Western dramatic models and began to draw inspiration from indigenous cultural sources. Playwrights started using myths, history, and folklore to express social tensions, psychological conflicts, and postcolonial concerns. Among these playwrights, Girish Karnad holds an important place because of his ability to reinterpret traditional stories in a modern and critical manner.

Karnad does not simply retell myths; he questions them. His plays examine the power structures and social values hidden within traditional narratives. Naga-Mandala (1988) is a strong example of this approach. The play is based on oral folktales that are usually told by women within domestic spaces. By transforming these stories into a modern play, Karnad explores issues of patriarchy, marriage, and female desire. Unlike classical myths that focus on male heroes, the folktales used in Naga-Mandala arise from marginal voices, especially those of women, and therefore challenge dominant cultural traditions.

Research Objectives and Methodology

Research Objectives

The objectives of this paper are:

To examine how myth and folklore operate as narrative tools in Naga-Mandala.
To study the symbolic meaning of elements such as the serpent, magic roots, anthill, and the Raat-Rani flower.
To explore how Karnad uses women-centred folktales to question patriarchal marriage systems.
To establish Naga-Mandala as a feminist reinterpretation of folklore in modern Indian English drama.

Methodology

This study follows a qualitative method of textual analysis. It makes use of:

Myth criticism, especially Northrop Frye’s ideas about archetypes,
Feminist literary criticism focusing on gender, power, and sexuality, and
Folklore studies, particularly the oral traditions discussed by A. K. Ramanujan.

The primary text for analysis is Naga-Mandala. Secondary sources include critical writings on Karnad, Indian theatre, mythology, and feminist theory.

Girish Karnad and the Use of Myth and Folklore

Girish Karnad’s plays regularly use myths, legends, and folktales to explore modern human problems. In Tughlaq, he presents the conflict between political idealism and failure. In Hayavadana, myth becomes a means to explore questions of identity and completeness. In Naga-Mandala, however, Karnad shifts his attention from classical myths to folktales that come from women’s oral traditions.

These folktales are often seen as simple or insignificant, but they express deep emotional truths about women’s lives. By presenting them on the modern stage, Karnad gives importance to voices that are usually ignored. Folklore thus becomes a medium through which suppressed experiences are expressed and social norms are questioned.

Literature Review

Many critics have discussed Karnad’s use of myth and folklore. Aparna Dharwadker explains that Karnad’s plays create a balance between tradition and modernity, using myth as a space for social and ideological debate rather than mere cultural revival. Meenakshi Mukherjee points out that Indian English writers often adapt traditional narratives to address contemporary social issues.

K. Ramanujan’s work on Indian folktales is particularly important for understanding Naga-Mandala. He observes that folktales often preserve women’s suppressed emotions and experiences, especially in relation to marriage and sexuality. While earlier studies recognize the role of folklore in Naga-Mandala, they pay limited attention to how women’s desire and agency are expressed through symbols. This paper attempts to focus on this aspect.

The Serpent (Naga) Myth and Patriarchal Masculinity

In Indian mythology, the serpent or Naga is commonly associated with fertility, renewal, and masculine power. Karnad reshapes this symbol to question traditional ideas of masculinity. The Naga, who takes the form of Appanna at night, shows affection, care, and sexual sensitivity—qualities missing in the real Appanna.

Appanna enjoys respect in society but lacks emotional depth. His cold behaviour towards Rani reveals the emptiness of patriarchal authority, which values control over emotional connection. The Naga’s presence brings emotional and physical fulfillment into Rani’s life, showing how patriarchal systems deny women genuine intimacy.

Magic Roots, Anthill, and Transformation

Magic roots are common in Indian myths and usually symbolize fertility and change. In Naga-Mandala, the blind woman Kurudavva gives Rani a magic root to awaken Appanna’s desire. When it fails, it exposes Appanna’s emotional weakness. Rani throws the root into an anthill, which leads to the awakening of the Naga.

The anthill acts as a symbol of birth and transformation. Rani’s accidental action leads to a major change in her life. This suggests that nature and folklore offer possibilities of change that rigid social rules do not allow.

Marriage and Patriarchy: A Critical Reading

Marriage in Naga-Mandala is shown not as a sacred relationship but as a social system that supports male dominance. Appanna’s good reputation in society hides his cruel behaviour at home. Rani’s silence in the beginning reflects how women often accept oppression as normal.

The Naga’s role challenges the belief that marriage alone ensures happiness. By presenting an alternative emotional relationship, Karnad exposes the emotional emptiness of patriarchal masculinity.

Folklore as Feminist Resistance

Rani does not openly rebel against her situation, yet folklore works as a silent force that empowers her. At the end of the play, her transformation into a goddess shows how myth validates women’s experiences even when logic and reality fail to do so.

At the same time, Karnad remains critical. Rani’s acceptance by society depends on a test of purity, showing that folklore can support patriarchal values as well. This double nature of folklore makes the play complex and realistic rather than idealistic

Conclusion

Naga-Mandala clearly shows Girish Karnad’s skill in using myth and folklore to examine social realities. By focusing on women’s oral narratives, the play highlights the emotional suffering caused by patriarchy and the neglect of women’s desires. Myth becomes both a means of resistance and a reflection of social contradictions.

Karnad neither blindly supports tradition nor completely rejects it. Instead, he questions its values and power structures. Through Naga-Mandala, he connects the past with the present and confirms the importance of myth in modern Indian theatre. The play establishes Karnad as a major voice in Indian English drama who successfully combines tradition with critical insight.

References

Karnad, Girish. Naga-Mandala: Play with a Cobra. Oxford University Press, 1990.

Dharwadker, Aparna. Theatres of Independence: Drama, Theory, and Urban Performance in India since 1947. Oxford University Press, 2005.

Mukherjee, Meenakshi. The Twice Born Fiction. Heinemann, 1971.

Ramanujan, A. K. Folktales from India. Pantheon Books, 1991.

Frye, Northrop. Anatomy of Criticism. Princeton University Press, 1957.

Beauvoir, Simone de. The Second Sex. Vintage, 1989.

Analytical Study of Taxpayers towards Faceless Assessment under the Income-tax Act, 1961 and Its Evolution in the New Income Tax Act, 2025

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Nitin Manakchand Zawar and Dr. Rahul Anant Kulkarni

Nakshatra, Housing Society, B. P. Arts, S.M.A Science, K. K. C. Shahu Nagar, Commerce College, Chalisgaon

Email: nitinmzawar@rediffmail.com

Abstract

Faceless assessment represents a watershed shift in Indian tax administration — from traditional, physical, and often discretionary tax officer interactions to a digitized, transparent, and process-driven system. Initiated under the Income-tax Act, 1961, this reform has sought to eliminate geographical jurisdiction, reduce taxpayer harassment, and infuse accountability into the tax assessment process. With the Government of India introducing the Income Tax Act, 2025 to replace the nearly six-decade-old 1961 Act from 1 April 2026, significant structural and procedural changes have been proposed in the assessment regime, including refinements to faceless assessments.

This article provides a comprehensive analysis of the Faceless Assessment Scheme, tracing its legislative evolution, institutional architecture, procedural mechanics, and technological backbone. It examines the scheme’s legal foundation under Section 144B of the Income Tax Act, 1961, and its proposed continuation under Section 273 of the incoming Income Tax Act, 2025. Drawing on judicial pronouncements, academic insights, and stakeholder feedback, the article critically evaluates the operational challenges such as procedural delays, over-engineering of units, and the dilution of natural justice that threaten to undermine the scheme’s original vision.

Further This article highlights the transformative potential of faceless assessment in improving efficiency, and fostering taxpayer trust. It concludes with actionable policy recommendations advocating for structural simplification specifically, the abolition of redundant Technical and Review Units to restore accountability, improve assessment quality, and ensure that the faceless regime fulfils its promise of a fair, efficient, and justice-oriented tax administration.

Keywords: Faceless Assessment, Income Tax Act 1961 (Section 144B), Income Tax Act 2025, Section 273, Section 532, NeAC, Tax Transparency, Digital Governance, CBDT, Tax Reform, Finance Budget.

Introduction: Tax Law and Administrative Reform in India

India’s taxation system has evolved over decades, anchored for the last sixty years in the Income-tax Act, 1961. Despite periodic amendments aimed at modernizing the system, the legacy Act accumulated complex language, procedural inefficiencies, and litigation challenges. Recognizing the need for a revamped statutory framework, the legislature introduced the Income Tax Bill, 2025, designed to replace the older law with a streamlined, modern, and digitally oriented statute. Among its key reforms is the embrace and enhancement of the faceless tax regime, a flagship reform initiated under the 1961 Act but carried forward and embedded within the 2025 Act’s procedural architecture.Faceless assessment seeks to augment transparency, reduce human discretion, and leverage technology for efficient tax administration. This article analyses the current law’s faceless assessment regime and juxtaposes it with the approach under the new statutory framework.

Background: The Concept of Faceless Assessment

Stakeholders widely agreed that India’s income tax system was once crippled by a rigid, location-based structure, which bred chronic inefficiency, a profound lack of transparency and entrenched unfair practices. The reliance on face-to-face dealings between taxpayers and tax officers often gave rise to prolonged delays and subjective bias.In the annual conclave of Tax Administration Authorities, “RajaswaGyanSangam”, held in June 2016, Honourable Prime Minister Shri Narendra Modi Ji advocated tax administration reforms through the ‘RAPID’ approach standing for Revenue, Accountability, Probity, Information, and digitization. To transform age-old manual assessment methods, enhance transparency, efficiency, and accountability, and curb malpracticesthe E-Assessment Scheme 2019 was launched on 7 October 2019. The Finance Ministry launched the “Transparent Taxation – Honouring the Honest” platform on August 13, 2020, to ease taxpayers’ burdens and rebuild their trust in India’s tax system. This initiative rests on three key pillars: Faceless Assessment, Faceless Appeal, and the Taxpayers’ Charter. The heart of this reform lies the Faceless Assessment Scheme (FAS). It replaces from a system where tax assessments were conducted by a known officer in a known jurisdiction to one where both the assessing authority and the taxpayer remain anonymous throughout the process. The scheme was conceived not merely as a procedural upgrade but as a cultural and institutional transformation that rebuilds trust between the government and honest taxpayers

What is Faceless Assessment Scheme (FAS)?

Faceless assessment marks a significant evolution in India’s income tax administration, where the complete evaluation of a taxpayer’s income tax return occurs electronically, without any physical interaction or personal interface between the assessee and tax officials. Launched via the Faceless Assessment Scheme (FAS) in 2020 and integrated into the Income Tax Act, 1961 (as amended), this system aims to minimize discretionary authority of assessing officers, remove territorial jurisdiction limitations, and prevent instances of harassment or undue interference.

The process powered by the use of sophisticated advanced digital platforms, primarily the Income Tax e-filing portal (incometax.gov.in), which facilitates seamless operations. These include automated generation and issuance of notices under sections such as 143(2) or 142(1), secure online uploading of documents and responses by taxpayers, prompt handling of queries or show-cause notices, and electronic delivery of final assessment orders. Officers, based at faceless National e-Assessment Centres (NeACs) and Regional Faceless Centres (RfCs), are assigned cases randomly through algorithmic selection to uphold uniformity and objectivity. This shifts their role from traditional territorial adjudicators to streamlined, technology-enabled processors emphasizing data analysis and regulatory adherence.The rationale and Objectives for faceless assessment Scheme includesAll digital interactions are logged and traceable, reducing scope for arbitrary actions.Centralized processing and AI-assisted case allocation expedite handling which may reduce jurisdictional Bias and enhanced taxpayers experience.

Faceless Assessment under the Income-tax Act, 1961:

Statutory Legal Basis: Under the Income-tax Act, 1961, faceless assessment was introduced through Section 144B, empowering the Central Board of Direct Taxes (CBDT) to define the faceless assessment process and procedures. The Central Board of Direct Taxes (CBDT) operationalized the scheme through Notification No. 60/2020 dated 13^th August 2020, which laid down the procedural and structural framework for faceless assessments. This notification along with subsequent amendments, established the institutional architecture, communication protocols, and operational guidelines. The provision mandated digital issuance of notices and electronic submissions of responses, including through video conferencing when needed. The key components in Faceless Assessment scheme includes:
Electronic Notices: Initiation of assessment by the officers should be by issuing digitally served notices.
Digital Responses: Taxpayers must furnish responses and documents through the Income Tax e-filing portal.
Random Allocation: The system automatically allocates assessment cases to assessing officers outside territorial jurisdictions except the cases of Search and survey.
Video Conferencing:Wherever Taxpayers feel that he wishes to explain the things orally as it is difficult to explain on paper he may seek personal hearings online through video conferencing if necessary. In this process also identity of the officer is not disclosed.
Audit Trail: Comprehensive logging ensures accountability and traceability.

Operational Workflow

The faceless assessment workflow under the 1961 Act generally involved:

Notice Issuance: The e-filing system issues assessment notices (e.g., under Sections 142(1), 143(2), or 148 etc.).
Document Submission:After receipt of the notice taxpayers upload his submission along with supporting documents and respond to queries online.
Assessment Draft order:Assessing officer prepare draft assessment order based on various submission made by the taxpayers and data collected by him by issuing notice U/s. 133(6) of the Income Tax Act 1961.
Submission against Draft order: Taxpayers can either object the draft order or accept the order after verification of the draft order.
Video Conferencing: Assessee can opt for the Video conferencing for argue the case orally.
Revised or Final order: After verification of submission to draft order Assessing officer prepare final order and send it for approval.
Quality Review: Independent review panels ensure quality and fairness of the order.
Final Assessment Order:After all this process the final Assessment order is issued electronically in compliance with statutory timelines.
Limitations and Challenges of the 1961 Faceless Assessment Scheme:

While faceless assessment marked a significant improvement, several limitations under the 1961 Act emerged. Major limitations are:

Technological Adaptation: Older provisions were adapted to digital procedures but not inherently drafted for modern technology.
Procedural Complexity: Notices and responses under the 1961 Act require interpretation of multiple sections and cross references which could complicate digital automation.
Limitation of Space and size for document upload: The submission and relevant document uploaded through income tax portal is having limited space. At a time only 10 attachments can be upload and single attachment should not be more than 5 MB in size. It creates difficulty to taxpayers while submitting the submission.
Limited Scope for Clarification: Some taxpayers faced delays when seeking online hearings or clarifications.
Litigation Bottlenecks: Despite digital procedures, disputes continued due to ambiguities in language and procedural overlaps.

These concerns set the stage for a reimagined legislative approach under the Income Tax Act, 2025, which aims to build a more coherent digital assessment framework.

Overview of the Income Tax Act, 2025

The Income Tax Act, 2025 represents a comprehensive overhaul, replacing the fragmented 1961 law. It aims to achieve simplicity, efficiency, and taxpayer clarity. Key features include:

Reduced Length and Complexity: Sections are reduced from over 800 in the 1961 Act to 536, and the overall legislative language is simplified.
Unified Tax Year Concept: The traditional previous year and assessment year are eliminated, replaced by a single tax year concept.
Digitization Emphasis: Enhanced digital compliance tools, including faceless assessments and digital notice systems.

Importantly, the new Act will come into force on 1 April 2026, with new Income Tax Return (ITR) forms and rules notified prior to implementation. New Income tax rules are yet to be notified.

Faceless Assessment under the Income Tax Act, 2025:
Codification and Redrafting:Under the Income Tax Act 2025, provisions related to faceless assessment have been redrafted and consolidated to align with the overall objectives of clarity and digital orientation:
Consolidation: The old Section 144B of the 1961 Act, which detailed faceless assessment procedures, is re-drafted as Section 273 (or equivalent) in the new Act, ensuring a cohesive approach that is integrated with other digital compliance mechanisms.
Scheme Power: Section 532 empowers the Central Government to frame faceless schemes eliminating interface with taxpayers, a structural enhancement reinforcing the digital approach across procedures.
Procedure Clarity: Notices, responses, and procedural steps are consolidated and clarified, aiming to reduce ambiguity and streamline compliance.
Key Changes and Enhancements:

The new Income Tax Act 2025 approach includes Broader Digital Integration. Faceless assessments are deeply integrated with the Act’s digital infrastructure. Enhanced tools includethe statutory design envisions algorithmic distribution of cases to reduce bias and improve turnaround, Digital service of notices and assessment outcomes remain core components and use of Artificial intelligence for assessment procedure.These reinforce the objective of zero physical interface between the taxpayer and tax officials. The new Act expands what constitutes information for the purpose of issuing notices including directions from approving panels and findings from judicial or tribunal orders. This is procedural but critical in digital notice scenarios.

Procedural Simplification

By removing redundant procedural provisions and presenting faceless assessment provisions in a consolidated format.The Income Tax Act 2025 Act aims to Reduce confusion arising from historical cross-referencing of multiple sections, simplify notice issuance requirements and timelines and importantly harmonize digital process steps across assessment, reassessment, and appeals.

Comparative Analysis: Faceless Assessment in 1961 vs 2025 Act:

The transition from the Income-tax Act, 1961, to the Income Tax Act, 2025, blends continuity with significant transformation across key aspects of tax administration. Under the 1961 Act, the statutory base for faceless assessments relied on Section 144B, which tied provisions to the Act’s procedural context, whereas the 2025 Act integrates these into a native digital procedural architecture with consolidated provisions under newer sections and scheme-making powers.

The digital interface evolved from gradual adaptations of existing e-filing systems in the 1961 framework to a fully cohesive, native digital orientation in 2025, supported by streamlined statutory rules. Procedural complexity decreases notably in the new Act, moving away from the legacy language and cross-references of 1961 toward simplified phrasing, consolidated steps, and table-based presentations for greater clarity.

Integration with other procedures also advances, as the 1961 Act maintained separate rules for assessments, reassessments, and appeals, while the 2025 Act aligns them into unified digital workflows across compliance processes. Notice information scope expands under 2025 to incorporate directions from panels and judicial findings, beyond the traditional definitions of the old Act. Finally, taxpayer engagement tools progress from basic video conferencing permissions in 1961 to enhanced digital tools and explicitly clearer procedural rights in 2025.

This comparison underscores that while the core objective of faceless assessment remains unchanged viz. transparency, efficiency, and non-discriminatory processing.The Income Tax Act 2025 execution model embeds the digital approach more fundamentally into the legislative fabric.

Benefits of Faceless Assessment Regime:

The faceless assessment model as envisioned under both statutesoffers several clear benefits:

Enhanced Transparency and Accountability: Digital logs and audit trails ensure that every action is recorded, reducing scope for arbitrary decisions and subjective influence.
Reduced Taxpayer Harassment: By eliminating geographical jurisdiction and physical interfaces, taxpayers are less likely to face intimidation or discretionary pressure.
Faster Processing: Algorithm-driven case allocation and automated notice systems contribute to quicker assessment cycles, potentially reducing backlogs.
Wider Accessibility: Taxpayers even in remote locations can engage with the system on equal footing through digital platforms.
Litigation Reduction (Long Term): Clearer procedures and reduced ambiguity may lower litigation rates by providing predictable outcomes.

Challenges and Considerations:

Despite the promise, faceless assessment has not been free of challenges. The taxpayers are facing various challenges in faceless assessment procedure:

Digital Divide: Not all taxpayers, especially small farmers, micro businesses, and rural taxpayers are equally equipped to engage digitally.
Technical Glitches: System downtimes, technical faults, and data aggregation errors can disrupt processes.
Procedural Ambiguity: While the 2025 Act simplifies language, transitional challenges and interpretation issues may arise.
Privacy Concerns: Though not directly tied to faceless assessments, related debates about digital access to taxpayer data emphasize the need for robust data protection in digital tax regimes.
Space for Data upload: The space limitation for uploading data results in undue hardship to the assessee for uploading bulk data at one instance. It results in time consumption and harassment of assessee.
Analysis of Taxpayers view about the Faceless Assessment scheme:

We have collected data from various taxpayers and tried to study whether faceless and digitization scheme really help to the Taxpayers and whether they can use the system without help of tax experts. The detail analysis is as under:

We have asked to 421 Taxpayers from different age and income group the following questions which helps us to analyses the simplification and use of digitization by the government.

Whether Taxpayers have to consult Tax practitioners for e filling?

From the above chart We can analyze the data which shows that out of 421 taxpayers 400 taxpayers are consulting with tax practitioners for e filling of Income Tax Return. Only 21 taxpayers responded that there is no need to consult tax practitioners for e filling. It represents that 95% of taxpayers still need help of Tax practitioners for e filling of Income Tax Return.

Does the Tax practitioners handle portal navigation?

From the above chart We can analyze the data which shows that out of 421 taxpayers 244 taxpayers portal is always navigated by his tax practitioner only which works out to 58% of taxpayers. 164 Taxpayers portal is sometimes navigated by tax practitioners and sometimes Taxpayers try to access the same which works out to 39% of the Taxpayers. Only 13 taxpayers are navigating the income tax portal their own which works out to 3 % of total population of taxpayers.

Taxpayers are aware that notices and communications are sent digitally on the portal.

It is analysed that out of 421 respondents 356 respondents are not aware that notices and communications are sent digitally on portal which works out to 84.6% of the population. Which means only 65 out of 421 respondents are aware that the notices and communications are sent digitally by the department which works out to only 15.4% of the population.

Technical Glitches / errors make it difficult to use the portal.

It is analysed that out of 421 respondents 74 respondents strongly agree and 268 respondents agree that technical glitches / errors make it difficult to use the portal. Hence total respondents who are strongly agree and agree works out to 81.3% of the population. 13.5% (57 respondents) are neutral and 5.2% (22 respondents) are disagree that the technical glitches / errors make it difficult to use the portal.

Conclusion:

Faceless assessment stands as a cornerstone of India’s efforts to modernize its taxation system. Introduced under the Income-tax Act, 1961 with clear goals of efficiency, transparency, and reduced taxpayer harassment, its evolution under the Income Tax Act, 2025 marks a significant legislative maturation. The new Act embeds digital procedures more deeply and coherently, reflecting lessons learned from over a decade of faceless assessment experience. The income tax department is trying to simplify the income tax act and process for e-filling and e-assessment but it needs to conduct various outreach program to reach the taxpayers and explain them the functionality of income tax portal as well as make them aware about the simplified Income Tax Act introduced by the government of India.

While the journey of implementing faceless assessments continues to face practical challenges, the comparative transition from the 1961 framework to the 2025 statutory design represents an important stride towards a digital, citizen-centric, and dispute-resilient tax ecosystem. As India transitions to the new regime from 1 April 2026, taxpayers, practitioners, and administrators alike must understand the changed legal landscape to ensure compliance, effective participation, and realization of the core objectives of a modern tax system.

References:

Income Tax Act, 1961, Section 144B.
Website of Income Tax Department: https://www.incometax.gov.in/iec/foportal/
CBDT Notification No. 60/2020, dated August 13, 2020.
Income Tax Act, 2025 (as proposed), Section 273 and Section 532.

Dr. Piyush Sharma–Moving Forward with the Times, a Pioneer in Finance

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What were your parents doing at your age?

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Dr. Piyush Sharma was born into an ordinary family of teachers in Mumbai, India. His father was a mathematics teacher. Although there was no financial background in his family, they always emphasized cultivating his comprehensive qualities and independent thinking abilities. As a child, his parents didn’t deliberately expose him to numbers. Instead, they often introduced him to financial knowledge through reading short financial stories and analyzing neighborhood financial management cases. Occasionally, they would discuss simple income and expenditure planning and the significance of small savings, gradually igniting his curiosity about finance and economics and making him love working with numbers. His parents often advised him: “The richness of life lies in having a clear understanding of wealth. Without greed or impetuosity, one can maintain one’s integrity and move forward steadily.” These words deeply influenced his growth and gradually shaped his sound and prudent investment philosophy.

After completing his undergraduate studies, Dr. Piyush Sharma won a scholarship to pursue advanced degrees in the United States, ultimately graduating from the Wharton School of the University of Pennsylvania with a Ph.D. in Finance. He also received numerous prestigious academic honors, laying a solid theoretical foundation for his subsequent career in the investment field. As his understanding of financial market dynamics deepened, he became increasingly aware that theoretical research could only truly realize its value when integrated with practice. Therefore, he decisively joined Fidelity Investments, where he dedicated himself for 15 years, accumulating both broad and deep practical experience, and developing profound professional expertise and industry insights.

Through long-term industry observation and practical research, Dr. Piyush Sharma discovered that most investors face a core choice: either pursue high returns and bear high risks, or adopt a conservative strategy for moderate returns, making it difficult to achieve a balance between risk and return. Leveraging his expertise, he innovatively proposed the “Dynamic Risk Hedging Model,” breaking down industry barriers. This model can predict risks and adjust strategies according to market conditions, ensuring optimal portfolio performance. Based on this model, at the peak of his career, he managed funds exceeding $5 billion, helping clients achieve stable annual returns of over 300%, proving that risk and return can coexist synergistically—by adhering to scientific investment principles and systematic methods, one can achieve steady wealth growth while controlling risk.

Dr. Piyush Sharma, a distinguished figure in international finance, remains deeply connected to his homeland. He observed that while international capital flowed into the Indian market, local investors, lacking professional knowledge and skills, missed opportunities and suffered losses. Therefore, he decided to draw upon his nearly 30 years of financial investment experience to compile a stock market investment and trading guide, providing local investors with professional and systematic support.

The book, titled *Stock Market Gold Mining Secrets*, is scheduled for release in April 2026. It eschews obscure jargon and encapsulates Dr. Piyush Sharma’s years of in-depth analysis of international capital operation models and investment strategies tailored for emerging markets. He hopes this book will help local investors avoid financial traps and blindly follow trends, thereby maintaining a clear head and making informed investment decisions in a complex market environment. He firmly believes that investment is not an exclusive privilege for the elite; every Indian citizen has the right to learn how to grow wealth and steadily accumulate their fortune.

In his efforts to help investors achieve wealth growth, Dr. Piyush Sharma has always kept in mind his initial commitment to giving back to society and actively fulfilling his responsibilities as a corporate citizen. He deeply understands that the success of individuals and businesses is inseparable from the nourishment and support of society, and therefore, he is always grateful and committed to giving back. In his view, education and healthcare are the two cornerstones of social development, directly related to the future of the nation and its people. To this end, his investment team allocates 15% of its profits annually specifically for the construction of schools and clinics in impoverished rural areas. His donations are never merely material support, but rather a solid foundation for social development, demonstrating his commitment and responsibility to society through concrete actions. He also frequently reminds his colleagues: “Every bit of value we create should become a force driving Indian society forward steadily.”

Dr. Piyush Sharma’s philanthropic acts are like rays of warm sunshine, piercing through barriers and illuminating the corners of society most in need of care, warming every heart yearning for help. Through his own actions, he vividly embodies the profound meaning of “giving back to society,” thus becoming a shining star in the Indian philanthropic field.

For many years, Dr. Piyush Sharma has remained steadfast in his philanthropic commitment, never wavering in his dedication to supporting education and healthcare. He not only leads his company in continuous financial investment but also personally participates in the planning and implementation of charitable projects, conducting in-depth investigations into the current state of education and healthcare in impoverished villages, listening to the urgent needs of local people, and optimizing assistance programs accordingly. Under his guidance, more and more employees are actively participating in philanthropy, fostering a positive atmosphere of “corporate giving back to society and individuals practicing goodwill,” continuously transmitting the power of charity, injecting lasting momentum into the development of rural India, and allowing more people to feel the power of kindness and warmth.

Today, more and more investors are inspired by Dr. Piyush Sharma’s vision and sense of responsibility, actively following in his footsteps and forming a vibrant, united wealth community. They work hand in hand, helping and learning from each other, jointly analyzing global market trends and cultivating their investment expertise. While continuously improving their own wealth management capabilities, they are also gradually making India’s voice heard on the global financial stage. As Dr. Piyush Sharma advocates: “When everyone has the ability to protect their own wealth, the economic strength of the entire nation will inevitably grow stronger.”

This visionary and benevolent commitment has made Dr. Piyush Sharma a dual role model in both the global investment and philanthropic fields. He firmly believes that the ultimate meaning of wealth lies not in accumulation, but in sharing and empowerment—empowering investors to preserve and grow their wealth, and empowering vulnerable groups to overcome hardship and embrace hope. Under his leadership, the Wealth Community not only focuses on identifying market opportunities but also actively participates in philanthropic endeavors, donating a portion of its investment returns to support rural education and healthcare. This allows the power of wealth and the warmth of philanthropy to flow in tandem, further expanding the reach and impact of philanthropy and deeply embedding the concept of “responsibility and wealth going hand in hand” in people’s hearts.

Dr. Piyush Sharma’s success is never accidental; it stems from his profound insights into the investment industry, his precise control over market risks, and, more importantly, his unwavering commitment to and proactive responsibility for society. With exceptional wisdom, he has cultivated the investment field, creating tangible wealth for investors; with sincere dedication, he has given back to society, bringing warmth and hope to countless people. Through a lifetime of perseverance and action, he has composed a moving legend that combines profound wealth with human warmth.

Dr. Manish Pandit: A Visionary Leader of the Wealth Alliance Team

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Returning from Wall Street to India financial markets, Dr. Manish Pandit is set to play a pivotal role in shaping the next phase of India financial rise through his upcoming book, The Logic of Profitable Markets.

Dr. Manish Pandit

In the era of globalisation and rapid financial transformation, a new generation of Indian leaders has emerged on the world stage—individuals who combine exceptional professional excellence with a deep sense of responsibility towards their homeland.

Dr. Manish Pandit stands out as one of the most distinguished among them.

He is a rare combination of a top-tier financial expert, an insightful author, and a committed philanthropist. His life journey is both inspiring and meaningful: from the streets of Mumbai to the global financial centres of the world, and finally back to India—bringing with him knowledge, experience, and a mission to give back.

Where the Dream Took Shape

Dr. Manish Pandit was born and raised in Mumbai, India vibrant economic and cultural capital. Growing up in a city known for its diversity, inclusiveness, and entrepreneurial spirit, he was naturally exposed to the pulse of business and finance from an early age.

Mumbai shaped his sharp commercial instincts and global outlook. Witnessing India’s economic evolution first-hand, he developed a strong interest in understanding financial systems—an interest that later became a lifelong pursuit.

Academic Excellence at Columbia University

Driven by his passion for finance, Dr. Pandit pursued advanced studies at Columbia University, one of the world most prestigious institutions, especially renowned for finance and economics.

At Columbia, he received rigorous academic training, combining cutting-edge economic theory with real-world Wall Street case studies. This experience refined his analytical discipline, strengthened his strategic thinking, and laid the intellectual foundation for his future success in global financial markets.

Leading Global Investments – Managing Over USD 4 Billion

After completing his education, Dr. Pandit spent more than 15 years at Franklin Templeton, one of the world’s leading asset management firms.

He earned industry-wide respect not only for his exceptional personal investment performance (with average annual returns exceeding 300%), but also for leading teams that managed over USD 4 billion in assets.

Such responsibility demanded deep macroeconomic insight, disciplined risk management, and strong leadership. Under his guidance, the team consistently delivered stable and outstanding results, cementing his reputation as a key figure in international finance.

A Labour of Passion: The Logic Behind Profitable Markets

With decades of experience and real-world success, Dr. Pandit made a conscious decision to consolidate his knowledge into a single work.

He is currently finalising his first major financial book,

The Logic Behind Profitable Markets: From Theory to 300% Returns,

which is set for publication soon.

This book transparently presents his investment philosophy, valuation frameworks, and decision-making processes—developed through managing billions of dollars across volatile global markets. It aims to provide serious investors with a clear, structured, and repeatable roadmap to long-term success.

Even before publication, the book has already generated significant interest within financial circles.

Philanthropy and Financial Empowerment

Despite his achievements, Dr. Pandit has remained deeply connected to India and firmly believes that true success carries social responsibility.

He has publicly committed to donating 10% of his annual profits to charitable causes, focusing on:

Education development

Healthcare improvement

Financial inclusion initiatives in India

Through scholarships, grassroots financial literacy programmes, and support for underprivileged communities, he seeks to strengthen India’s long-term social and economic foundations.

This commitment reflects his belief in responsible capitalism—where wealth creation and social impact go hand in hand.

A Journey with Purpose

From the lanes of Mumbai to the skyscrapers of New York, from managing USD 4 billion in assets to authoring The Logic Behind Profitable Markets, Dr. Manish Pandit’s journey exemplifies the ideals of modern leadership.

He is:

A global financial leader who has earned international respect

A thinker and educator whose work will guide future investors

A patriotic philanthropist dedicated to India progress

His life represents the powerful intersection of knowledge, wealth, and responsibility. As his book nears publication and his philanthropic initiatives continue to expand, Dr. Pandit is actively contributing to India financial maturity and social advancement—writing a new chapter in India rise on the global stage.

Modernity and the Subaltern Experience in the Works of Kiran Desai, Arundhati Roy, and Aravind Adiga

Daily writing prompt

If you could be someone else for a day, who would you be, and why?

View all responses

Citation

Yadav, P. (2026). Modernity and the Subaltern Experience in the Works of Kiran Desai, Arundhati Roy, and Aravind Adiga. International Journal of Research, 12(12), 689–694. https://doi.org/10.26643/rb.v118i1.7254

Priyanka Yadav

Research Scholar

Dept. of English, J. P. University, Chapra

Abstract

The emergence of modernity in postcolonial India has generated complex social, economic, and cultural transformations that have significantly influenced the lives of marginalized communities. Indian English fiction has played a crucial role in representing these changes by foregrounding the voices of the subaltern and interrogating dominant narratives of progress and development. This paper examines the representation of modernity and the subaltern experience in the selected works of Kiran Desai, Arundhati Roy, and Aravind Adiga. Through a close reading of The Inheritance of Loss, The God of Small Things, and The White Tiger, this study explores how these writers depict the tensions between tradition and modernity, privilege and deprivation, power and resistance. Drawing upon postcolonial theory, subaltern studies, and sociological perspectives, the paper argues that these novelists present modernity as a contradictory force that simultaneously promises mobility and perpetuates inequality. The protagonists and marginalized characters in these works negotiate their identities within oppressive social structures shaped by class, caste, gender, and global capitalism. By highlighting lived experiences of exclusion and aspiration, Desai, Roy, and Adiga challenge hegemonic representations of Indian modernity and create alternative narratives that foreground subaltern agency. This comparative analysis demonstrates that contemporary Indian English fiction serves as a powerful medium for critiquing social injustice and reimagining inclusive forms of development.

Keywords: Modernity, Subaltern Studies, Indian English Fiction, Marginality, Postcolonial Literature, Power, Globalization, Social Inequality

Introduction

The concept of modernity occupies a central position in discussions of postcolonial societies, particularly in the context of developing nations such as India. Modernity is often associated with industrialization, urbanization, technological advancement, education, and global integration. However, in postcolonial settings, modernity is rarely experienced uniformly. Instead, it is marked by uneven development, social stratification, and persistent forms of marginalization. While certain sections of society benefit from economic liberalization and globalization, large segments continue to remain excluded from opportunities and resources. This uneven distribution of power and privilege has generated a complex social reality in which traditional hierarchies coexist with modern institutions.

Indian English literature has consistently engaged with these contradictions. Contemporary novelists have explored how modernity shapes individual lives and collective identities, particularly among marginalized communities. The subaltern, a term popularized by the Subaltern Studies Group and theorists such as Gayatri Chakravorty Spivak, refers to those social groups who are excluded from political representation and cultural dominance. These groups include the rural poor, lower castes, women, migrant workers, and other disenfranchised communities. Their voices are often silenced within dominant historical and literary narratives.

Kiran Desai, Arundhati Roy, and Aravind Adiga belong to a generation of writers who have critically examined the impact of modernity on Indian society. Their novels reflect the anxieties, aspirations, and struggles of individuals located at the margins of power. Through innovative narrative techniques and socially engaged storytelling, these writers interrogate the myth of progress and expose the human costs of development. This paper seeks to analyze how modernity is represented in The Inheritance of Loss, The God of Small Things, and The White Tiger, and how the subaltern experience is articulated within these narratives.

By adopting a comparative approach, this study aims to highlight both common concerns and distinctive perspectives in the works of these authors. It argues that while Desai emphasizes emotional displacement and cultural alienation, Roy foregrounds caste and gender oppression, and Adiga focuses on class conflict and economic exploitation. Together, their writings provide a multidimensional critique of contemporary Indian modernity.

Theoretical Framework: Modernity and Subaltern Studies

Theoretical discussions of modernity in postcolonial contexts emphasize its ambivalent nature. Scholars such as Partha Chatterjee and Homi Bhabha have argued that postcolonial modernity differs significantly from its Western counterpart. It emerges within conditions of colonial domination and economic dependency, resulting in hybrid social formations. Modern institutions such as democracy, education, and capitalism coexist with feudal structures, patriarchal values, and caste hierarchies. As a result, modernity becomes a site of conflict rather than consensus.

Subaltern Studies, initiated in the 1980s by scholars like Ranajit Guha, sought to recover the voices of marginalized groups from elite historiography. This approach challenged nationalist and colonial narratives that ignored popular resistance and everyday struggles. Spivak’s influential question, “Can the Subaltern Speak?”, further problematized the representation of marginalized voices in academic and literary discourse. She argued that even well-intentioned intellectuals often appropriate subaltern experiences, thereby reinforcing power structures.

In literary studies, the subaltern perspective has encouraged critics to examine how marginalized characters are portrayed and whether they possess narrative agency. The intersection of modernity and subalternity reveals how development projects, globalization, and urban expansion often displace traditional communities and exacerbate inequalities. Literature becomes a crucial space for articulating these tensions and contesting dominant ideologies.

This paper draws upon postcolonial theory, subaltern studies, and sociological insights to analyze how Desai, Roy, and Adiga represent marginalized lives. It considers narrative voice, characterization, spatial settings, and symbolic imagery as key elements through which modernity and subalternity are negotiated.

Modernity and Displacement in Kiran Desai’s The Inheritance of Loss

Kiran Desai’s The Inheritance of Loss presents a nuanced exploration of globalization, migration, and cultural alienation. Set in the Himalayan town of Kalimpong and interspersed with scenes from the United States, the novel portrays characters caught between local traditions and global aspirations. The narrative foregrounds emotional and psychological dimensions of marginalization rather than overt political resistance.

The character of Biju, an undocumented immigrant in America, represents the transnational subaltern. His journey reflects the disillusionment of many migrants who seek economic mobility but encounter exploitation and isolation. Working in restaurant kitchens under harsh conditions, Biju remains invisible within the host society. His experience exposes the darker side of globalization, where labor mobility benefits corporations while dehumanizing workers.

In India, characters such as Sai and Gyan grapple with identity crises shaped by colonial legacies and modern education. The judge, Jemubhai Patel, embodies internalized colonialism. Educated in England, he despises his native culture and family, resulting in emotional repression and social withdrawal. His alienation illustrates how modernity, mediated through colonial institutions, can produce self-denial and cultural dislocation.

The Gorkhaland movement depicted in the novel highlights regional marginalization and political unrest. Insurgent youth challenge state authority, reflecting frustrations arising from economic neglect and cultural invisibility. However, Desai presents this resistance as fragmented and emotionally charged rather than ideologically coherent.

Through these narratives, Desai portrays modernity as a force that fragments identities and intensifies feelings of loss. The subaltern in her novel is characterized by vulnerability, displacement, and longing. While her characters rarely achieve structural transformation, their emotional struggles reveal the human consequences of uneven development.

Caste, Gender, and Subaltern Resistance in Arundhati Roy’s The God of Small Things

Arundhati Roy’s The God of Small Things offers a powerful critique of social hierarchies rooted in caste, gender, and class. Set in Kerala, the novel examines how rigid social norms regulate individual desires and perpetuate inequality. Roy situates her narrative within both local traditions and broader political contexts, including communism and globalization.

Velutha, an Untouchable carpenter, represents the most marginalized figure in the novel. Despite his technical skills and political awareness, he remains excluded from social mobility due to caste discrimination. His relationship with Ammu violates social codes and triggers brutal repression. Velutha’s death symbolizes the violent silencing of subaltern aspirations that challenge hegemonic structures.

Ammu’s marginalization as a divorced woman further illustrates gendered oppression. Her lack of economic independence and social status exposes her vulnerability within patriarchal systems. Although educated and emotionally resilient, she is denied dignity and autonomy. Her tragic fate reflects the limitations imposed on women within both traditional and modern frameworks.

The twin protagonists, Estha and Rahel, experience psychological trauma resulting from social conflict and familial breakdown. Their fragmented identities reflect the broader disintegration of social cohesion under modern pressures. Roy employs a non-linear narrative structure to mirror this fragmentation and to challenge conventional storytelling modes.

Roy’s political engagement distinguishes her approach from Desai’s more introspective style. She foregrounds collective injustice and structural violence, emphasizing the need for social transformation. By centering the narrative on marginalized voices, Roy enables the subaltern to speak, even if temporarily, through literary representation.

Modernity in Roy’s novel is associated with consumerism, political corruption, and cultural erosion. Yet, she also gestures toward alternative forms of solidarity and resistance. Love, memory, and storytelling emerge as subversive forces that contest dominant power relations.

Class Conflict and Economic Exploitation in Aravind Adiga’s The White Tiger

Aravind Adiga’s The White Tiger presents a stark portrayal of neoliberal India characterized by extreme economic disparities. Through the voice of Balram Halwai, the novel exposes the brutal realities of class exploitation and social immobility. Adiga adopts a confessional narrative style that allows the subaltern protagonist to narrate his own story.

Balram originates from the “Darkness,” a metaphor for rural poverty and systemic neglect. His early life is marked by deprivation, child labor, and lack of educational opportunities. Despite his intelligence, structural barriers prevent his upward mobility. The novel thus critiques meritocratic myths associated with modern capitalism.

Working as a driver for a wealthy family, Balram witnesses corruption, hypocrisy, and moral decay among elites. His employers embody the contradictions of modernity, combining Westernized lifestyles with feudal attitudes. They benefit from globalization while perpetuating exploitation.

Balram’s eventual act of murder and theft represents a radical form of resistance. By becoming an entrepreneur through criminal means, he breaks free from servitude. However, his success raises ethical questions. Adiga does not romanticize violence but presents it as a product of systemic injustice. The “rooster coop” metaphor illustrates how social conditioning prevents collective rebellion among the poor.

Unlike Desai’s passive sufferers and Roy’s tragic rebels, Adiga’s protagonist actively reshapes his destiny, albeit through morally ambiguous methods. His voice is assertive, ironic, and confrontational. This narrative strategy challenges elite literary conventions and foregrounds subaltern consciousness.

Modernity in The White Tiger is depicted as ruthless competition. Economic growth benefits a small minority while marginalizing millions. Adiga exposes how democracy and capitalism fail to deliver social justice, thereby questioning dominant development paradigms.

Comparative Analysis: Convergences and Divergences

A comparative reading of these novels reveals significant thematic convergences. All three authors critique the myth of inclusive progress and highlight the persistence of inequality. Their narratives expose how modern institutions reinforce existing hierarchies rather than dismantling them. Globalization, urbanization, and education emerge as double-edged forces that offer opportunities to some while marginalizing others.

At the same time, each writer adopts a distinct perspective. Desai emphasizes emotional displacement and cultural hybridity, portraying marginalization as a condition of existential uncertainty. Roy foregrounds caste and gender oppression, presenting subalternity as structurally embedded and violently enforced. Adiga focuses on economic exploitation and class conflict, depicting subaltern resistance in aggressive and pragmatic terms.

Narrative strategies also differ significantly. Desai employs lyrical prose and multiple perspectives to convey fragmentation. Roy uses experimental structure and symbolic imagery to challenge linear history. Adiga adopts a satirical and confessional voice to provoke readers. These stylistic choices shape how subaltern experiences are represented and interpreted.

In terms of agency, Desai’s characters remain largely constrained, Roy’s characters resist but are defeated, and Adiga’s protagonist succeeds through transgression. This variation reflects different ideological positions regarding the possibility of social change. Together, these narratives suggest that subaltern agency is contingent, fragile, and often compromised.

Conclusion

The works of Kiran Desai, Arundhati Roy, and Aravind Adiga provide insightful critiques of modernity and its impact on marginalized communities in postcolonial India. Through diverse narrative techniques and thematic concerns, these authors expose the contradictions of development and globalization. Their novels reveal how modernity, instead of ensuring social mobility and equality, often reproduces structures of exclusion.

By foregrounding subaltern experiences, these writers challenge dominant representations of Indian progress. They emphasize lived realities of poverty, discrimination, and displacement that remain invisible in official discourse. At the same time, their narratives explore possibilities of resistance, whether through emotional resilience, political dissent, or radical self-assertion.

This study demonstrates that contemporary Indian English fiction functions as a vital space for negotiating questions of power, identity, and justice. Desai, Roy, and Adiga not only document social realities but also reshape literary conventions to accommodate marginalized voices. Their works invite readers to reconsider prevailing notions of success and development and to imagine more inclusive forms of modernity.

In an era marked by rapid economic change and persistent inequality, these novels remain profoundly relevant. They remind us that true progress cannot be measured solely by material growth but must be evaluated in terms of human dignity, social equity, and ethical responsibility.

Works Cited

Adiga, Aravind. The White Tiger. HarperCollins, 2008.

Ashcroft, Bill, Gareth Griffiths, and Helen Tiffin. The Empire Writes Back: Theory and Practice in Post-Colonial Literatures. 2nd ed., Routledge, 2002.

Bhabha, Homi K. The Location of Culture. Routledge, 1994.

Chatterjee, Partha. The Nation and Its Fragments: Colonial and Postcolonial Histories. Princeton UP, 1993.

Desai, Kiran. The Inheritance of Loss. Hamish Hamilton, 2006.

Guha, Ranajit. Dominance without Hegemony: History and Power in Colonial India. Harvard UP, 1997.

Nayar, Pramod K. Postcolonial Literature: An Introduction. Pearson, 2008.

Roy, Arundhati. The God of Small Things. IndiaInk, 1997.

Spivak, Gayatri Chakravorty. “Can the Subaltern Speak?” Marxism and the Interpretation of Culture, edited by Cary Nelson and Lawrence Grossberg, U of Illinois P, 1988, pp. 271–313.

Thiong’o, Ngũgĩ wa. Decolonising the Mind: The Politics of Language in African Literature. Heinemann, 1986.

Young, Robert J. C. Postcolonialism: An Historical Introduction. Blackwell, 2001.

Holiday Jewelry Trends 2026: The Gemstones Shaping This Festive Season

The holiday season has long been the most influential period for the fine jewelry industry, setting the tone for both gifting and personal style in the year ahead. As consumers prepare for Christmas and end-of-year celebrations, gemstone choices are increasingly driven not only by tradition, but also by symbolism, individuality, and emotional resonance. In 2026, jewelry trends reflect a clear shift toward meaningful pieces that tell a story while still delivering visual brilliance.

According to an article on Yahoo Finance, which explores the latest Most Popular Gemstones for Luxury Jewelry 2026 Report by Gems, the holiday period generates approximately 24% of all annual fine jewelry sales, making it the single most important season for gemstone demand and trend formation.

A Data-Driven Look at Holiday Gemstone Preferences

Using national live-shopping performance data alongside consumer insights, Gems has identified the twelve gemstones that are defining holiday jewelry preferences for 2026. The list blends enduring classics with colored stones that have surged in popularity as shoppers seek jewelry that feels personal and expressive.

Diamond continues to hold the top position as the ultimate symbol of celebration, commitment, and luxury. Its timeless appeal ensures it remains a centerpiece of holiday gifting. Close behind is sapphire, prized for its regal color and durability, making it a favorite for both statement pieces and everyday elegance.

Opal has emerged as one of the most eye-catching choices this season, thanks to its unique play of color that makes every piece one of a kind. Pearls, once associated primarily with tradition, are now being reimagined in contemporary designs, positioning them as one of the most fashion-forward holiday gifts of the year.

Among colored gemstones, tanzanite stands out for its rarity and vivid blue-violet hue. With its limited geographic origin, it is increasingly viewed as a future heirloom. Ruby remains a seasonal favorite, its deep red tones aligning perfectly with festive symbolism, while emerald continues to represent renewal, vitality, and timeless sophistication.

The list is rounded out by stones that offer versatility and emotional appeal, including tourmaline with its wide color spectrum, turquoise for its calming sky-blue tones, amethyst for its refined purple elegance, aquamarine for its serene ocean-inspired clarity, and garnet, valued for its warm, rich hues that feel especially fitting for winter celebrations.

Why Meaning Matters More Than Ever

Industry experts note that modern consumers are becoming more intentional in their jewelry purchases. Rather than focusing solely on material value, buyers are prioritizing gemstones that reflect personal milestones, values, or stories.

“Shoppers are clearly leaning into color, symbolism, and individuality,” says Mike Burnette, Vice President of Jewelry Operations at Gems. He highlights that opals and tanzanite are experiencing significant growth, while pearls have undergone a complete transformation into contemporary statement pieces.

This evolution reflects a broader trend within luxury retail: authenticity and emotional connection now play a central role in purchasing decisions.

Key Holiday Jewelry Trends to Watch

Several clear patterns are shaping the 2026 holiday jewelry landscape:

Meaning over materialism: Consumers favor gemstones that represent personal stories or emotional significance.
Color as a modern classic: Sapphire, tourmaline, opal, and aquamarine continue to gain momentum as alternatives to traditional neutrals.
Rarity and longevity: Limited-origin gemstones such as tanzanite are increasingly gifted as long-term keepsakes rather than seasonal accessories.

Insights for Brands and Gift Guides

For retailers, editors, and content creators developing holiday gift guides, these trends offer valuable insight into what resonates with today’s audience. Jewelry that balances beauty, symbolism, and authenticity is far more likely to capture consumer attention during the competitive holiday season.

About Gems

Gems is a leading fine jewelry live-shopping platform, offering 24/7 access to diamonds, gemstones, and designer jewelry through television, streaming, and digital channels. With nearly 30 years of industry expertise and a legacy of more than one million pieces sold, Gems combines education, transparency, and exceptional value for modern jewelry consumers.

When Science Becomes Business — and Business Becomes Science: Vitalii Tkachenko’s New Philosophy of Engineering Leadership

Written by: Michael Turner

In today’s world, where the line between science and entrepreneurship is vanishing, there are rare individuals who manage to unite the two into a single system. One of them is Vitalii Tkachenko — an engineer, entrepreneur, and author of “Rebuilt, Not Replaced”, a book that has already drawn the attention of both business and scientific communities. His journey is a living example of how engineering logic and business intuition can not only coexist but merge into a new discipline — the science of action, where every experiment becomes a result, and every idea turns into a practical solution.

From Formula to Strategy

“Engineering and entrepreneurship are essentially the same thing,” Tkachenko says. “Both begin with one question: How can we make it better?”

He built his first “laboratory” as a teenager — in his father’s garage in Donetsk, where they spent hours taking apart Soviet-era engines. Later came formal education: a degree in automotive engineering, another in finance, and a defining success — his hydraulic tricycle, which won second place at a national engineering competition. Even then, he was thinking like an entrepreneur: not just to invent, but to find real-world application for every idea.

Today, years later, that logic remains unchanged. His company, The Guaranteed Best Choice, is not just a business restoring vehicles. It’s an applied research platform, where every process is tested for efficiency, transparency, and sustainability.

When the Laboratory Is the Marketplace

“I see business as a laboratory,” Tkachenko says. “Only here, instead of test tubes, you have people, data, and results.”

In his company, engineering solutions are tested as rigorously as scientific hypotheses. Each vehicle undergoes dozens of diagnostic scans and structural evaluations. Internal quality protocols and standards are developed with the precision of lab procedures — but the outcome must work not on paper, but on the road.

That discipline has made his company a model within the industry. The Guaranteed Best Choice operates in more than twenty U.S. states, with a network of twelve specialized subcontractor teams and dozens of suppliers. Despite such scale, the company has achieved 100% positive feedback on eBay Motors — a result that even industry giants rarely match.

“In science, reproducibility is everything,” Tkachenko notes. “It’s the same in business. If you can consistently deliver excellent results, you’ve built a system. And a system — that’s science.”

The Science of Restoration

Tkachenko’s philosophy goes far beyond engineering. He is shaping what might be called the science of restoration.

“We tend to think progress means creating something new,” he explains. “But true innovation lies in improving what already exists.”

Producing a new car releases up to 20 tons of CO₂ into the atmosphere. Restoring an existing one generates only 2–3 tons. These aren’t just numbers — they’re measurable, evidence-based data that Vitalii tracks and presents as part of his sustainability advocacy. He believes that the United States could become a global leader in sustainable restoration — if the process is recognized as not just craftsmanship, but a national scientific and economic strategy.

A Book That Connects Engineering and Human Values

Tkachenko’s book, “Rebuilt, Not Replaced”, now distributed across 49 countries and more than 40,000 outlets — including Amazon, Walmart, Apple Books, and Barnes & Noble — is a synthesis of twenty years of engineering, research, and business experience.

The book merges precision with philosophy. It’s not a memoir and not just a business manual — it’s a study of resilience, expressed through mechanics, economics, and ecology.

“This book isn’t about cars,” Vitalii explains. “It’s about how engineering thinking can improve life itself. Science isn’t just laboratories, and business isn’t just profit. True value emerges where the two meet.”

The Formula for Sustainable Success

Today, Tkachenko’s model is studied as a blueprint for integrating science and entrepreneurship. His work creates jobs, reduces emissions, strengthens public trust, and inspires a cultural shift — from consumption to conscious restoration.

“My approach is simple,” he says. “If you can fix it — don’t throw it away. If you can improve it — don’t copy. If you can inspire — share it.”

That principle applies not only to cars but to the economy, to the environment, and to life itself. Experts increasingly view his philosophy as a rare blend of engineering precision and human purpose — a bridge between innovation and integrity.

Science That Improves Everyday Life

Vitalii Tkachenko represents a new kind of leader — one who turns scientific thinking into real-world progress. His innovations make transportation more affordable, create skilled jobs, empower small businesses, and reduce environmental impact.

He doesn’t simply combine science and business — he proves that one cannot exist without the other.

“I don’t separate myself into engineer and entrepreneur,” he says. “They’re two sides of the same mission: to make people’s lives better and the world more sustainable. If my book or my company inspires even a few people to rebuild instead of discard — that’s success.”

This is not just a story about a businessman. It’s a story about how science can step out of the laboratory and into everyday life, making it cleaner, fairer, and smarter. And Vitalii Tkachenko is one of the few who has shown that the future doesn’t always need to be built from scratch — sometimes, it simply needs to be rebuilt.

Link to the book: https://a.co/d/2JDs1zX
Link to Vitalii’s company website: https://gbchoice.com

Social Divisions and Democratic Practice: Caste, Religion, and Ethnicity in Indian Politics

Daily writing prompt

Describe a phase in life that was difficult to say goodbye to.

View all responses

Citation

Anand, P. (2026). Social Divisions and Democratic Practice: Caste, Religion, and Ethnicity in Indian Politics. Think India Quarterly, 28(3), 39–44. https://doi.org/10.26643/rb.v118i6.7662

Prem Anand

MA, UGC NET (Political science)

Sahebganj Sonarpatti Chowk, Chapra, Saran, Bihar, 841301

royale.prem@gmail.com

Abstract

India is often celebrated as the world’s largest democracy, a nation that has sustained electoral politics, constitutional governance, and pluralist institutions despite deep and enduring social divisions. Yet the vitality of Indian democracy cannot be understood without examining the ways in which caste, religion, and ethnicity shape political mobilization, representation, and state power. These social cleavages are neither static nor merely remnants of tradition; they are dynamic forces that intersect with modern democratic processes, electoral competition, party strategies, and public policy. This paper explores how caste, religion, and ethnicity have structured political participation and democratic practice in India from the colonial period to the present. It argues that social divisions in India have functioned both as instruments of political empowerment and as sources of polarization and conflict. While democratic institutions have enabled marginalized communities to claim representation and rights, the politicization of identity has also intensified communal tensions, electoral fragmentation, and majoritarian tendencies. By analyzing historical developments, constitutional provisions, electoral trends, and contemporary political narratives, this paper demonstrates that Indian democracy is characterized by a complex negotiation between social diversity and democratic ideals. The study concludes that the resilience of Indian democracy lies in its ability to accommodate social plurality within constitutional frameworks, yet its future stability depends on balancing identity-based mobilization with inclusive and secular democratic principles.

Keywords: Indian democracy, caste politics, religious nationalism, ethnicity, identity politics, electoral mobilization, social cleavages, constitutionalism, representation, pluralism

Introduction

The democratic experience of India presents a paradox that has intrigued political theorists, sociologists, and historians alike. Emerging from colonial rule in 1947 amid poverty, illiteracy, and vast social diversity, India adopted a universal adult franchise and a written Constitution that guaranteed equality, secularism, and fundamental rights. Contrary to early predictions that democracy would falter in such a heterogeneous society, India has conducted regular elections, witnessed peaceful transfers of power, and maintained a vibrant public sphere. Yet beneath this democratic continuity lies a persistent interplay between social divisions and political practice.

Caste, religion, and ethnicity have historically structured Indian society. Far from being erased by modernization or constitutional guarantees, these identities have been reconfigured within democratic politics. Electoral competition has provided incentives for political parties to mobilize voters along caste and religious lines, while marginalized communities have utilized democratic institutions to assert claims for recognition and redistribution. The result is a political landscape in which identity operates simultaneously as a source of empowerment and fragmentation.

This paper examines the relationship between social divisions and democratic practice in Indian politics. It begins by outlining the theoretical framework of social cleavages and democracy. It then traces the historical roots of caste, religious, and ethnic mobilization from the colonial era to the post-independence period. Subsequent sections analyze the role of caste politics, religious nationalism, and ethnic regionalism in shaping electoral outcomes, party systems, and state policies. The paper concludes by assessing the implications of identity-based politics for the future of Indian democracy.

Theoretical Framework: Social Cleavages and Democratic Practice

Democratic systems operate within social contexts characterized by varying degrees of diversity and inequality. Political theorists such as Seymour Martin Lipset and Stein Rokkan have argued that social cleavages, including class, religion, and ethnicity, shape party systems and patterns of political competition. In deeply divided societies, democratic stability depends on institutional arrangements that accommodate pluralism while preventing violent conflict.

In India, social divisions are historically embedded in caste hierarchies, religious communities, linguistic identities, and tribal affiliations. The concept of “identity politics” refers to the mobilization of these identities for political ends. Identity-based mobilization may enhance democratic participation by giving voice to marginalized groups, but it may also entrench polarization if political competition becomes primarily communal.

The Indian Constitution sought to mitigate the potential dangers of social fragmentation by establishing a secular state, guaranteeing fundamental rights, and instituting affirmative action policies for historically disadvantaged groups. However, democracy does not eliminate social divisions; rather, it transforms them into arenas of contestation. Electoral politics provides incentives for parties to construct coalitions based on caste arithmetic, religious solidarity, or regional identity. Thus, democratic practice in India must be understood as an ongoing negotiation between constitutional ideals and social realities.

Historical Context: Colonial Legacies and Identity Formation

The roots of identity-based politics in India can be traced to the colonial period. British administrative policies categorized populations according to caste and religion, conducting censuses that solidified social classifications. Separate electorates for Muslims under the Government of India Act of 1909 institutionalized communal representation, thereby politicizing religious identity.

Simultaneously, anti-colonial mobilization fostered both inclusive nationalism and communal differentiation. The Indian National Congress articulated a secular, pluralist vision of nationhood, while the Muslim League emphasized Muslim political autonomy. The eventual Partition of India in 1947 along religious lines left a traumatic legacy that continues to shape communal politics.

Caste politics also evolved during the colonial era. Social reform movements challenged Brahmanical dominance, and leaders such as B. R. Ambedkar demanded political safeguards for the Depressed Classes. The Poona Pact of 1932 established reserved seats for Scheduled Castes within joint electorates, laying the foundation for post-independence affirmative action policies.

Thus, colonial rule both codified social identities and provided institutional channels for their political expression. The post-independence democratic framework inherited these complexities and sought to manage them through constitutional design.

Caste and Democratic Mobilization

Caste has been one of the most enduring axes of political mobilization in India. Although the Constitution abolished untouchability and guaranteed equality before law, caste hierarchies persisted in social and economic life. Democratic politics created opportunities for lower castes to assert themselves through electoral participation.

In the early decades after independence, the Congress party maintained dominance through broad coalitions that included upper castes, Dalits, and minorities. Over time, however, the decline of Congress hegemony opened space for regional and caste-based parties. The implementation of the Mandal Commission recommendations in 1990, which expanded reservations for Other Backward Classes in public employment, marked a watershed moment. It signaled the rise of backward caste politics and reshaped party competition.

Political parties such as the Samajwadi Party and the Rashtriya Janata Dal mobilized OBC communities, while the Bahujan Samaj Party articulated a Dalit-centered political ideology. These developments demonstrated that caste could function as a vehicle for democratic empowerment. Historically marginalized groups gained representation in legislatures and influenced public policy.

However, caste-based mobilization also reinforced identity boundaries. Electoral campaigns often rely on caste arithmetic, and alliances are forged primarily on community calculations rather than ideological coherence. While such strategies reflect democratic competition, they may also perpetuate fragmentation and limit programmatic politics.

Religion and the Politics of Nationalism

Religion occupies a central place in Indian political discourse. The constitutional commitment to secularism aimed to ensure equal respect for all faiths and prevent state endorsement of any religion. Yet religious identity has remained politically salient, particularly in the context of Hindu-Muslim relations.

The rise of Hindu nationalist ideology, associated with organizations such as the Rashtriya Swayamsevak Sangh and its political arm, the Bharatiya Janata Party, transformed the political landscape. The Ram Janmabhoomi movement in the late twentieth century mobilized religious sentiments around the disputed site in Ayodhya, culminating in the demolition of the Babri Masjid in 1992. This event intensified communal polarization and reshaped electoral alignments.

Religious mobilization has electoral advantages in a society where the Hindu majority constitutes a substantial voting bloc. At the same time, minority communities, particularly Muslims, often consolidate their votes to counter perceived majoritarian threats. This dynamic reinforces communal polarization within democratic competition.

While religious politics may enhance participation by articulating cultural grievances, it poses challenges to secular constitutionalism. Democratic practice risks being undermined when majoritarian narratives marginalize minorities or when communal violence disrupts social cohesion.

Ethnicity, Regionalism, and Federalism

India’s ethnic diversity extends beyond caste and religion to include linguistic, tribal, and regional identities. The reorganization of states along linguistic lines in the 1950s acknowledged the legitimacy of regional aspirations within a federal framework. Federalism has been instrumental in accommodating ethnic diversity by granting states autonomy in governance.

Regional parties such as the Dravida Munnetra Kazhagam in Tamil Nadu and the Shiromani Akali Dal in Punjab have mobilized ethnic and linguistic identities while participating in national coalitions. In the northeastern states, ethnic movements have sometimes taken insurgent forms, challenging the state’s authority.

Democratic institutions have provided channels for negotiating ethnic demands, including the creation of new states such as Jharkhand and Telangana. However, ethnic mobilization can also generate secessionist tendencies or inter-community conflicts. Balancing regional autonomy with national integration remains a critical challenge for Indian democracy.

Electoral Dynamics and Identity Coalitions

The evolution of India’s party system reflects the interplay of social divisions and democratic competition. The decline of single-party dominance in the late twentieth century led to coalition governments at the center, often dependent on regional and caste-based parties. Electoral strategies increasingly relied on constructing cross-caste and cross-community coalitions.

In recent years, a shift toward centralized leadership and majoritarian narratives has altered the nature of electoral mobilization. Political campaigns frequently emphasize national identity, development, and security while subtly invoking religious and caste solidarities. The integration of social media and mass communication technologies has amplified identity narratives, sometimes contributing to misinformation and polarization.

Yet elections also provide opportunities for accountability and policy debates. Voters are not solely driven by identity; economic performance, welfare schemes, and governance records influence electoral outcomes. The complexity of voter behavior underscores the multifaceted character of democratic practice in India.

Affirmative Action and Social Justice

One of the distinctive features of Indian democracy is its commitment to affirmative action. Reservations in education, public employment, and legislatures for Scheduled Castes and Scheduled Tribes aim to address historical injustices. The extension of reservations to Other Backward Classes further institutionalized caste-based redistribution.

Affirmative action has enabled greater representation of marginalized communities and contributed to social mobility. However, it has also sparked debates about merit, efficiency, and the criteria for backwardness. Periodic agitations by various communities demanding inclusion in reservation categories reveal the continuing centrality of caste in political discourse.

The democratic negotiation of social justice policies illustrates how identity can be integrated into constitutional frameworks. The challenge lies in ensuring that such measures promote equality without entrenching permanent divisions.

Challenges to Democratic Practice

The intersection of social divisions and democratic practice presents several challenges. Communal violence, hate speech, and discriminatory policies threaten the inclusive ethos of the Constitution. Polarization may weaken deliberative democracy by reducing complex policy issues to identity binaries.

Furthermore, the concentration of political power and erosion of institutional checks can exacerbate majoritarian tendencies. Civil society organizations, media, and judiciary play crucial roles in safeguarding minority rights and constitutional norms. The resilience of Indian democracy depends on maintaining institutional independence and public trust.

At the same time, social divisions are not inherently detrimental. They reflect the plural character of Indian society. Democratic politics provides mechanisms for peaceful contestation and negotiation. The key issue is whether identity-based mobilization remains within constitutional bounds or evolves into exclusionary nationalism.

Conclusion

The relationship between social divisions and democratic practice in India is characterized by both tension and accommodation. Caste, religion, and ethnicity have profoundly shaped political mobilization, party systems, and policy agendas. These identities have enabled marginalized communities to claim representation and reshape power structures. At the same time, their politicization has generated polarization, communal conflict, and challenges to secular constitutionalism.

Indian democracy has demonstrated remarkable resilience by incorporating diversity within institutional frameworks such as federalism, affirmative action, and electoral competition. Yet its future stability depends on reinforcing inclusive principles, strengthening democratic institutions, and fostering civic identities that transcend narrow communal boundaries.

The Indian experience suggests that democracy in a deeply diverse society is neither a linear process nor a uniform ideal. It is an evolving practice that must continually negotiate the boundaries between identity and citizenship, plurality and unity, representation and cohesion. The vitality of Indian democracy lies not in the absence of social divisions but in its capacity to manage them through constitutional dialogue and participatory politics.

Works Cited

Ambedkar, B. R. (1936/2014). Annihilation of caste. Navayana.

Austin, G. (1966). The Indian Constitution: Cornerstone of a nation. Oxford University Press.

Austin, G. (1999). Working a democratic constitution: The Indian experience. Oxford University Press.

Brass, P. R. (2003). The production of Hindu-Muslim violence in contemporary India. University of Washington Press.

Chandra, K. (2004). Why ethnic parties succeed: Patronage and ethnic head counts in India. Cambridge University Press.

Dirks, N. B. (2001). Castes of mind: Colonialism and the making of modern India. Princeton University Press.

Hasan, Z. (2011). Politics of inclusion: Castes, minorities, and affirmative action. Oxford University Press.

Jaffrelot, C. (2003). India’s silent revolution: The rise of the lower castes in North India. Columbia University Press.

Jaffrelot, C. (2007). Hindu nationalism: A reader. Princeton University Press.

Khilnani, S. (1997). The idea of India. Farrar, Straus and Giroux.

Kothari, R. (1970). Politics in India. Orient Longman.

Lijphart, A. (1996). The puzzle of Indian democracy: A consociational interpretation. American Political Science Review, 90(2), 258–268. https://doi.org/10.2307/2082883

Manor, J. (1990). Parties and party systems in India. Oxford University Press.

Pai, S. (2002). Dalit assertion and the unfinished democratic revolution: The Bahujan Samaj Party in Uttar Pradesh. Sage Publications.

Rudolph, L. I., & Rudolph, S. H. (1987). In pursuit of Lakshmi: The political economy of the Indian state. University of Chicago Press.

Varshney, A. (2002). Ethnic conflict and civic life: Hindus and Muslims in India. Yale University Press.

Yadav, Y. (1999). Electoral politics in the time of change: India’s third electoral system, 1989–99. Economic and Political Weekly, 34(34/35), 2393–2399.

The Engineer of the Future. From a Hydraulic Tricycle to a National Industry Leader

When a young Vitalii Tkachenko assembled the parts for his first invention in a school workshop in Donetsk, few could have imagined that this project would symbolize the beginning of a remarkable journey. At the time, it was merely a competition prototype — a hydraulic tricycle built from improvised materials, designed with a system that enabled movement with minimal energy expenditure. Yet even then, the qualities that would later define his career as an engineer and entrepreneur were already visible: the ability to combine technical boldness with practical results.

Today, the name Vitalii Tkachenko is recognized in professional circles across the United States as a symbol of innovative thinking in automotive engineering and vehicle restoration. He is ASE-certified, the founder of The Guaranteed Best Choice, an entrepreneur with annual revenues exceeding $5 million, and a figure whose work fuses advanced mechanics, digital technologies, and environmental responsibility.

From Inventor to Systems Engineer
The hydraulic tricycle, which earned him second place in a national engineering competition, was far more than a school project. It was proof of his ingenuity, his capacity for systemic thinking, and his ability to propose solutions ahead of their time. “I was always searching for ways to use energy as efficiently as possible,” Tkachenko recalls. “With the tricycle, my goal was to show that it is possible to design a vehicle that combines structural simplicity with energy performance disproportionate to its size.”

This early experience laid the foundation for his later path: the ability to see not just a “problem” but the “potential for restoration and improvement.” It would ultimately shape his approach to vehicles that many discard as scrap but which he views as resources for a second life.

ASE Certification and New Standards of Quality
In the United States, Tkachenko pursued a path of structured development. Obtaining ASE certification was a milestone, representing not only professional competence but also adherence to a high standard of engineering culture. For him, it was confirmation that his methods of repair and restoration met global benchmarks. “Certification gave me not only access to advanced technologies but also the confidence that my practices aligned with international standards,” he notes.

Innovation in the Digital Era: AI for Auctions
A true challenge arose as the automotive market underwent digital transformation. Online auctions, digital catalogs, and data repositories reshaped the industry but also introduced new risks: counterfeit VIN numbers, outdated photographs, and hidden damage records. Tkachenko was among the first to propose technological solutions that extended beyond traditional engineering: the integration of artificial intelligence to analyze images and diagnose vehicle damage.

His idea is both simple and profound: if machines can be trained to detect defects on assembly lines, they can also be trained to identify flaws in auction photographs. The AI system he envisions can assess image quality, detect concealed damage, and produce objective reports for buyers. “Technology is not a threat. It is a tool that can restore fairness and transparency to the market,” Tkachenko emphasizes.

Patents and Engineering Developments
Over the years, he has accumulated not only the experience of restoring more than a thousand vehicles but also a portfolio of engineering innovations. These include projects to optimize hydraulic systems, prototypes for diagnosing hybrid and electric vehicles, and concepts for integrating “smart” monitoring modules into vehicles throughout their operational life cycle. His patents and applications reflect a persistent drive to merge traditional mechanics with modern digital technologies, making transportation safer, more reliable, and more durable.

An Engineer of the Future and an Industry Leader
Tkachenko today is more than an entrepreneur. He is the architect of a new engineering philosophy: restoration instead of disposal, transparency instead of opacity. His company now operates in more than twenty states, supported by a network of subcontractors, inspectors, suppliers, and logistics providers. This is no longer a local business but a model of the future automotive industry — one driven by knowledge, technology, and responsibility.

His formula for success blends several elements: a foundation in engineering education, practical inventiveness, a readiness to embrace innovation, and an uncompromising ethical stance. This unique combination transforms him from an “ordinary engineer” into a visionary who can rightly be called an engineer of the future.

Looking Ahead
Today, Tkachenko speaks not only of business but of mission. He envisions a future where vehicle restoration becomes an official, certified component of the U.S. automotive ecosystem. A future where federal programs support not only the production of new EVs but also engineering initiatives to bring existing assets back to life. A future where young engineers are trained not only to invent the new but also to perfect the existing.

“I believe America can become the global leader in sustainable vehicle restoration,” he says. “For that, we need standards, we need technology, and we need integrity. I want to be part of this story. And I know we are capable of writing it.”

The story of Vitalii Tkachenko illustrates that the engineer of the future is not someone waiting for the next breakthrough technology, but someone who creates it today — combining ingenuity, science, and responsibility. This is why his name is increasingly present not only in business discussions but also in scientific and environmental debates.

https://gbchoice.com/

Author: David Mitchell

They Invest Just 5 % of Their Income — But Plan to Make Trading a Full-Time Pursuit

South African traders are increasingly shifting from impulsive, bonus-driven behaviors toward strategic, long-term engagement with trading. While trading remains a relatively small portion of their income, their expectations from brokers have evolved markedly, focusing on trust, transparency, and operational reliability.

According to this article, recent data from Kantar’s Global Brand Health Tracking study (Q3 2024) reveals that modern South African traders place a high premium on seamless deposit and withdrawal processes—42 % of respondents marked it among the top three criteria when choosing a broker. Financial security is nearly as vital, noted by 40 % of those surveyed. Licensing and regulatory compliance are also regarded as baseline expectations, underscoring the growing emphasis on trust and stability.

The shifting landscape signals that traders are no longer swayed by flashy offers. Instead, they want brokers who deliver consistent, reliable service over time. This represents a significant change in how broker platforms must position themselves to retain discerning clientele.

Another revealing insight from the Kantar study shows how cautious yet determined South African traders are. Nearly half (49 %) invest no more than 5 % of their monthly income into trading, while 37 % feel comfortable allocating up to 25 %. Yet this careful approach doesn’t imply a lack of ambition—among seasoned traders, almost 90 % expect trading to grow into a sustainable long-term income stream. This indicates a deliberate and measured approach toward scaling trading activity responsibly.

Platform functionality now plays a critical role in broker selection. Fast execution topped the list, with 56 % of respondents deeming it essential. Meanwhile, high leverage options and consistently low spreads were valued by 52 % and 47 % respectively. Importantly, risk-control features, such as negative balance protection (35 %) and swap-free trading accounts (38 %), also garnered strong support. These findings suggest that savvy traders are prioritizing tools that safeguard their capital, especially as they plan for longer-term engagement.

Brand visibility also emerged as a strong indicator of trust. In the study, Exness led in brand awareness among South African traders, recognized by 75 % of those surveyed. Of those aware, 14 % were active clients, and nearly 10 % chose it as their primary broker. Recognition, therefore, isn’t just passive—it correlates with user engagement and loyalty.

This data underscores a broader shift: South African traders are migrating toward brokers who deliver smooth payments, stable conditions, and dependable execution. Providers meeting these expectations are poised to enjoy higher retention rates and lower customer churn. In turn, those lagging in reliability or risk-management support may struggle in an increasingly competitive market.

In summary, Kantar’s Q3 2024 findings reveal a decisive pivot among South African retail traders—from incentives and vast asset selections toward fundamental qualities like trust, execution, security, and risk protection. Brokers willing to meet these elevated standards—through transparent operations, resilient infrastructure, and risk-aware tools—will likely dominate the landscape. Those failing to adapt risk irrelevance as traders increasingly seek platforms capable of supporting their sustained trading ambitions.

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A Data-Driven Look at Holiday Gemstone Preferences

Why Meaning Matters More Than Ever

Key Holiday Jewelry Trends to Watch

Insights for Brands and Gift Guides

About Gems

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From Formula to Strategy

When the Laboratory Is the Marketplace

The Science of Restoration

A Book That Connects Engineering and Human Values

The Formula for Sustainable Success

Science That Improves Everyday Life

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