vol. 22 issue 9 mumbai suptember 2017 pages 80 price 20

Printer & Publisher – Smita Prakash Mavinkurve on behalf of Kanara Saraswat AssociationPrinted at SAP PRINT SOLUTIONS PVT. LTD., Shankarrao Naram Path, Lower Parel, Mumbai - 400013, Maharashtra. www.sapprints.comPublished at Kanara Saraswat Association, Association Building, 13/1-2, Talmakiwadi, Near Talmaki Chowk, J.D. Marg, Mumbai 400007Editor – Smita Prakash Mavinkurve RNI 61765/95

A MONTHLY MAGAZINE OF KANARA SARASWAT ASSOCIATION

Vol. 22 Issue 9 Mumbai Suptember 2017 Pages 80 Price ` 20/-

Our Budding Artists

Can you see the love? - Aditi Mohan Ullal

Mystic Nights - Anusha Santosh Nagarkar

Dream Mom - Samiksha Satyendra

Kumble

IN THIS ISSUE....

Kanara SaraswatA Monthly Magazine of the

Kanara Saraswat AssociationOffice: 13/1-2, Association Building,Talmakiwadi, Near Talmaki Chowk,

J.D. Marg, Mumbai 400007Website: http://www.kanarasaraswat.in

Vol. 22, No 9, September 2017e-mail:[email protected][email protected]

(For Publication in the Magazine)e-mail: [email protected]

(For administrative matters)President: Praveen P. Kadle

Vice President: Geeta V. YennemadiChairman: Rajaram D. Pandit

MEMBERS OF THE EDITORIAL COMMITTEEManaging Editor: Gurunath Gokarn

Editor: Smita MavinkurveAssociate Editor: Uday A. Mankikar

Editorial Committee:Usha K. Surkund

Computer Composing: Sujata V. Masurkar

KSA Telephone: (022) 2380 2263Telefax: (022) 23805655

KSA Holiday Home, Nashik: Tel: 0253-2580575 / 0253-2315881

From the President’s Desk 5Letters to the Editor 6Our Cover : Our Budding Artists ... Anusha Santosh Nagarkar, Samiksha Satyendra Kumble Aditi Mohan Ullal 7Tributes to Suresh Hemmady A Pocket Sized Dynamite ... Gurunath S Gokarn 8 Suresh Hemmady’s times at the helm of KSA ... Raja Pandit 9

Our Friend Suresh ... Sadhana Kamat 10Extraordinary People A Visionary and an Inspiring Personality Kudmul Ranga Rao ... Praemi M. Row 16Kanara Saraswat Association Annual Report 2016-17 18Notice of the 105th AGM 19Financial Statements, Schedules 44Auditor's Report 59Parisevanam: On Foot From Kalady to Kashmir! - a tableau ... Ujjwal Honnaver Moodbidri Guruseva Sadaa Kuru! (Poem) 62 ... Students of Prarthana Varga 63

Tattvabodha - Part 11 ... Dr. SudhaTinaikar 65Personalia 66Time... (Poem) ... Kedar Kate 66Kiddies Corner: Drawings: A boat ride to an island ... Arush Ullal Dancer ... Soumya Sirur Towards my village home and temple ...Gopal Baindur 70 The English Teacher ... Ishaan Sameer Mavinkurve; Red and green (Poem) ... Jyotirmay Pandit 71nwñVH$ n[aM¶ ... CX¶ ‘§{H$H$a 72EH$ AVyQ> JmoS> ZmV§ ... pñ‘Vm ~idùir 73Pasayadana: A prayer par excellence by Saint Jnaneshwara-3 ... Krishnananda Mankikar 74H$b H$aogmo AmO H$a! ... S>m°. gwZ§Xm H$ZmªS> 75 Here & There 76Our Institutions 77Classifieds and Domestic Tidings 78

Spend your Diwali vacation in

KSA’s Nashik Holiday HomeYour Home Away From Home

• Serene Atmosphere in Prime location of Nashik• Easily accessible by regular mode of transport• Clean and inexpensive accommodation including

AC Units with Garden for relaxation.• Morning refreshments, Lunch and Dinner provided

at reasonable cost.• Excellent for Family Get-together• Good Sight Seeing sites as well as many Holy

Shrines• Can make daily up down trip from various Industrial

locations.

Hon. Secretary Kishore A. SurkundFor Booking Please Contact: KSA Office, Talmakiwadi, Tel: 022-23802263 23805655

Nashik Office- Manager Mrs Ravikala Prakash Koppikar, Tel No 0253-2580575/25315881,Mobile No – 09623788879

September 2017 KANARA SARASWAT 3

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September 2017 KANARA SARASWAT 4 September 2017 KANARA SARASWAT 5

From the President’s Desk ....

Dear Friends,

In one of the motivational lectures that I attended recently, the speaker was emphatically explaining why going to office every morning in a happy state of mind is so important for the concerned employee and the organisation to improve the employee engagement and therefore the overall work environment and productivity. The speaker went on to say that the day on which an employee wakes up in the morning and dreads the thought of going to office and if this happens frequently, he should look for a job change.

The thought of going to office will evoke different responses from different people. Some will look forward to meeting their colleagues who are their good friends; whereas some will dread to think of the painful experience of dealing with difficult bosses, unfriendly colleagues and maybe even of bad infrastructure at the office.

I also came across some statements made by a couple of famous personalities of the last century. The first one was from the renowned Henry Kissinger, the famous US diplomat and political scientist who once said "The longer I am out of office, the more infallible I appear to myself".

The other was from the famous poet of the last century, Robert Frost who said "The brain is a wonderful organ; it starts working the moment you get up in the morning and does not stop until you get in to the office".

It is very clear from the statements of both Henry Kissinger and Robert Frost that, for both of them, the very thought of getting up in the morning and going to the office was a dreadful experience. While for Henry Kissinger it was not just his physical presence in the office which was dreadful, but even the thought of accepting any official position was also a scary proposition. Whereas for Robert Frost it was the very thought of attending office which was scary, and according to him, perhaps obstructed his creative thinking in writing great poetry.

But in today's modern world is there anything called a physical office where you need to go every morning? In this global village, so well-connected through technological innovations in communication, we work continuously, even if we are not physically present in a brick & mortar office space.

I get up in the morning, open my laptop and find fresh instructions from my boss for the day's work, when I am still at home. Even when I am on vacation, I get mail from my colleagues about some complicated issues at work place which I need to attend to on priority. So, in today's virtual world, there is no physical distinction between office place and non-office place. The whole world is now one globally connected virtual office space. In this new world, I cannot even think of making a distinction between the physical and virtual office. What if Henry Kissinger and Robert Frost were to be born today, working in a 24 x 7 virtual office environment? Would Kissinger, recognised by history as a successful diplomat, been less successful? Would Robert Frost, acknowledged for his creative prowess as a great poet, remained an ordinary poet whom this new world would not have recognised?

In my personal opinion, great personalities like Henry Kissinger and Robert Frost would have still excelled in their respective diplomatic and literary fields in this modern world, where thanks to new technology there are no boundaries between physical and virtual office space!

So, going back to this motivational speaker, maybe he now needs to change his presentation in-line with this globally connected virtual office space which works 24 x 7.

Regards, Praveen P. Kadle

With best compliments from:

STANDARD GREASES & SPECIALITIES PVT. LTD.

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ROYAL CASTOR PRODUCTS LTDan ISO 9001 : 2000 Company

Manufacturers /Exporters of Hydrogenated Castor Oil, 12 Hydroxy Stearic Acid

101, Ketan Apartments,233, R.B. Mehta Marg, Patel Chowk, Ghatkopar (E),

Mumbai - 400 077.Tel: 25013641-46 Fax: 25010384

Email: [email protected]: www.standardgreases.co.in


Letters to the Editor

DONATION RECEIVEDKanara Saraswat Association is grateful to the following donors:

MEDICAL RELIEF FUNDGokul Manjeshwar Rs 10000/-(in m/o father Muralidhar Manjeshwar)

SCHOLARSHIP FUND (Current Year Disbursement)

Gautam G Hemmady Rs 10000/-(in m/o wife Sunila G Hemmady)

EMERGENCY MEDICAL RELIEF FUNDJayant D Burde Rs 10000/-(in m/o parents Leela Burde and Dattatraya Burde)

DISTRESS RELIEF FUNDChandrakant L Basrur Rs 10000/-(in m/o mother Smt Ramabai L Basrur)

Dear Editor, This is with reference to Gauripachi Mudbidri’s article titled “Dwarka - the abode of Lord Krishna in your June edition. While I apologise for the late response, it is due to the fact that we got the magazine late. If someone else has already written about it subsequently, I apologise for the duplication.

The said article on page no. 20 of the June edition, is really informative. But a small error has crept into the article. She speaks of the four Shaktipeethas established by Adi Shankaracharya where she mentions that the south peetha is at Rameshwaram. But it is a well established history and fact that it is at Shringeri, which is also called Dakshinamnaya Peetham. In Sringeri, there is also a samadhi of Sureshwaracharya (Shishya of Adi Shankaracharya) who was the first Guru of that Peetham.

Archana Hemmady

Dear Editor, The letter by Dr. Hemang D. Koppikar, addressed to you in the August 2017 K.S. issue, is very interesting and elaborately informative on Snakes.

The reference made in the letter to articles by Mr. Parag Nagarkatti and Ms. Shailaja Vaidya with sharp conflicting views on Snakes in the July 2017 K.S. issue, as intriguing, due to their being in the same issue. I feel that remotely diversified views, on any given subject in a single issue, may

lead to easy ready reference of the views in a comparative debatable perspective and may make the subject more interesting and informative for the readers.

Satish G. Burde, Mumbai.


It has been about 3 years since we started a column called “Kiddies’ Corner”. We invited children to share their work with us – be it paintings, sketches, poems, short stories and essays – so that we could publish these in our magazine. It was wonderful that the mails which came a little hesitantly at first soon became a regular flow!

In 2013 November, Late Shri Ramesh Nadkarni donated an amount to the KSA in memory of his departed wife and expressed the wish that this amount be kept as a deposit and the interest be utilized to give prizes to the best among the children whose work is published every year. We have been doing this on our Foundation Day November 26th 2013 onwards.

Once every year around Diwali, our cover page carries a painting from a renowned Bhanap artist. This year the honour of adorning the cover page goes to three young ladies. Their parents share some insights into the children’s passion for art.

Anusha Nagarkar, aged 12 years, is currently studying in Class 7. She is an avid reader of books and a foodie at heart. She loves drawing, acting, dancing and holiday travelling to offbeat destinations. Anusha has dabbled with mixed media in this picture titled Mystic Night.

Our Cover

Our Budding ArtistsSamiksha Kumble - Samiksha is a 13 years old

studying in the 9th standard! We discovered her liking for drawing and painting when she was 8 years old in 3rd standard, as she drew and painted a parrot beautifully. She is learning from Mr. Sohankumar Choudhary, a graduate from J.J. School of Arts since the last four years. One of her paintings got printed in Robinage (A weekly Children’s newspaper) in March, 2015. Samiksha’s paintings have also been displayed at two exhibitions, one at Bajaj Art Gallery (2016) and the other one at Cymroza Art Gallery this year. Apart from painting, she has a liking for dancing, singing and athletics. Samiksha is the daughter of Meenakshi and Satyndra Kumble of Mumbai.

Aditi Mohan Ullal an 11 year old, has always been a very creative person, whether it is painting, singing, dancing or even acting. And she has been blessed with extremely talented guides in each of these fields. She simply adores animals and this love comes across in most of her paintings. She excels in her academics and has been a star pupil through her school life. Her note books are mini art books in themselves with lots of illustrations and colour. Aditi was part of the recently staged Konkani play Naad Ninaad. She is the daughter of Swati and Mohan Ullal of Bangalore.


It was Sunday July 9, Guru Purnima day, I got a call at about 6 pm informing that Suresh Hemmady is no more. It was indeed a shocking news and a personal loss of a very dear and close friend.

Born on 13th December 1937, Suresh completed his B.E.(Mech. Engg.) from Bombay University in 1961 and M S (majoring in Industrial Engineering) from Bucknell University (USA) . A fellow of the Institution of Chartered Engineers, he had hands-on working experience of 5 decades in varied fields ranging from Technical to Financial to Administrative and Banking.

Suresh was the Managing Director of Thana Electric Supply Company Ltd. (Tesco Ltd). He served the SVC Co-operative Bank Limited in the capacities of Vice Chairman and Chairman. Affable and dynamic by nature, Suresh Hemmady was elected as Vice President of KSA from 1991 to 1994. In the years 1998-2000 he was elected as President of the Association and again in the years 2010 to 2015. He was a warm person – a people’s person - who liked to mingle and made friends easily. He won the respect of all and was devoted to the duties of high offices in an exemplary manner.

He was a member of the prestigious Bombay Gymkhana.

It was while Suresh embellished the office of the SVC Coop Bank Limited that the bank made rapid progress and grew enormously. He even created a new name and logo for the bank – a crisp one to suit modern times. Those associated with him in the bank recall his quick grasp of situations leading to quick-silver decision making.

No customer or problem was too small for Suresh to solve. A customer of the Bank had some technical difficulty in making online transfers. Suresh heard him talking to the staff explaining his difficulty. He intervened, heard out his problem and immediately called an important official of the bank to get the issue resolved!

Suresh’s tenure as President of The Kanara Saraswat Association began in 1998. Since then, through the columns of KS, he reached out to readers, far and wide, with his articles titled “From the President’s Desk” which he used to write every month.

Readers everywhere looked forward to his column. Some even expressed a hope that these mini sermons

TributesSuresh Hemmady – A Pocket Sized Dynamite

May His Memory Live LongGurunath S Gokarn

should be compiled for publ icat ion in a book form and requests came in the form of letters to the Editor. This became a reality and a book was published in 2016 which drew articles contributed by him in the KS. He dedicated the book to his parents Shripad L Hemmady and Shrimati Shripad Hemmady. The contents of the column expressed profound truths coupled with years of practical experience without seeming to sermonize. The advice was practical, not preachy. It was coached in easy to understand language. The universal appeal lay in the very simplicity of style and content.

A well-wisher while reviewing wrote: “We applaud the publication from the President’s Desk in the Kanara Saraswat magazine compiled as a book. It is a good reminder to look on the philosophical and humorous side of our daily challenges. View points on the variety of subjects were really clear and relevant. These articles penned in such a lucid and candid manner, will surely be a treat to read”.

Suresh Hemmady took keen interest in various projects which were carried out by by KSA

The Kanara Saraswat Magazine started in 1919 continues to record the various activities of the members of the community spread over different areas. It serves as the mouth-piece of the community. Suresh Hemmady wanted to improve the quality of this magazine and make it comparable with the magazines of today. He personally contacted many advertisers and secured colour advertisements which made the magazine attractive. He encouraged the Editorial Committee to establish better rapport with the readers and this resulted in continuous flow of articles of good quality from contributors both in India and abroad. The printing of the magazine was done by a reputed Printer. Suresh used his good offices to see that the printing charges were substantially reduced.

The KSA Kala Vibhag which used to organize Music


festivals used to heavily depend on the good offices of Suresh to arrange advertisements and funds and his contribution towards fund raising to ensure that the Music festival did not stop was monumental.

The “Anand Chhaya” Project - “A Senior Citizen’s Retreat” , the Census of the Community, KSA Holiday Home Redevelopment project at Nashik were some of

the projects he took up towards the end of his tenure. He personally visited the areas where the projects were located and took keen interest in ensuring road blocks were removed.

KSA offers its deepest condolences to Shaila, his wife and the family members Nandita and Nikhil.

May his soul rest in peace.

Suresh Hemmady, former President of Kanara Saraswat Association & Former Chairman of SVC Cooperative Bank expired on 9th July 2017.

I and many people younger to him used to call him by first name & he used to like it. The KSA Centenary year in 2010-11 was a watershed moment for the KSA in the service of the Community. The Managing Committee of KSA wanted to make it a memorable year. The leadership of Suresh Hemmady, then President of KSA made it truly so. He managed to raise a Centenary Fund of Rs 1.30 Crs, the single highest fund in the history of KSA by persuading many philanthropic members of our Community. It was his suggestion to form a Centenary Fund Management Committee consisting of eminent persons to monitor the Centenary Fund. You will see in what gigantic proportion this Fund will help students to meet their Education expenses for studies in India or abroad in future. As on 31.3.2017, the Fund granted Refundable Education Grants of Rs 48,29,930.00 to 46 students. As they are interest free grants with very flexible repayments , we expect that the Fund will rise to very great height due to repayments as well as interest accrued on it. The same fund has helped 28 patients with Medical Aid of Rs 18,42,000.00 who were suffering from major illnesses.

When we decided to celebrate the entire Centenary Year from 26.11.2010 to 26.11.2011 with memorable programs, the Committee was clueless. It was Suresh’s idea to form a separate Centenary Program Committee under the Chairmanship of Bipin Nadkarni, noted Film Maker & Director. It was decided to make a Documentary Film on 100 years of KSA, publish a unique & novel pictorial Diary encompassing 100 years, publish the Souvenir “100 Years of Footprints” and organizing a grand inaugural program on 26th November 2010 with Dr Subir Gokarn, then Deputy Governor & presently Executive Director of IMF as the Chief Guest.

The icing on the cake was the Closing Ceremony on 26th November 2011 in the Blissful Presence of H.H.Sadyojat Swamiji. There were many more programs

Raja Pandit, Chairman KSA reminisces Suresh Hemmady’s times at the helm of KSA

in between like Sangeet Sammelans etc. The Film Documentary on KSA was directed by Amit Masurkar, another noted Film Maker & Director. Suresh Hemmady assured us that he will raise funds as per budget given to him. He was so meticulous that he personally conducted many trials of Inaugural & Closing Ceremony functions so that everything would go smoothly. It was his idea to come on the stage , donning the attire of the Founder of KSA Late Shri S.S. Talmaki, at the Inaugural Function . Later Suresh regretted that he was too small a person to emulate a person like Talmaki.

The Chitrapur Saraswat Censusnity was another Project of the Centenary Year. We appointed advisers Dr. Sudha Deshpande (nee Gangolli), qualified Demographer & her Husband Prof Lalit Deshpande, Economist. The Census Report published in 2015 was the most scientific, demographic & Economic analysis of our Community.

The monthly Column written by Suresh in KS magazine under “President’s Desk” was very popular. He used to say that it is not easy to write the column in one stroke. He had to rewrite many times and once he was satisfied he would send it for printing.

I want to quote an excerpt from one of his columns titled “Swami Dayya Pampa”. He shared the story his daughter Nandu told him when the chips were down :

“God, you once said when I decided to follow you that you would walk with me all the way. But I noticed that in the most troublesome period in my life there is only one set of Footprints ———— I do not understand why in times when I needed you most, you would leave me” — God replied to me “ My Precious child, I love you and never leave you during your times of trials and sufferings. When you see only one set of footprints, it was then that I was carrying you”.

Alas, there are no Footprints now. I pray to God that Suresh’s soul may rest in peace & give his family the strength to bear the loss.


Rates for Classified Advertisements in Kanara Saraswat w.e.f. Feb 2014

For the first 30 words: Rs. 650/- for KSA Members and Rs. 700/- for Non-members.For every additional word, thereafter: Rs. 25/-Postal charges for Kanara Saraswat:Rs. 2000/- p.a. for overseas Members. Overseas Members are requested to make payments in Rupees only owing to exchange difficulties.All remittances are to be made by D.D. or cheque, in favour of ‘Kanara Saraswat Association’.

Suresh was born immediately after our Housing Society was inaugurated by H.H. Anandashram Swamiji. The story goes that his ‘coming home ‘from the hospital was specially postponed so that he could be brought straight into the new flat. Anandashram Society completes 80 this year and we would have celebrated Suresh’s 80th birthday which coincides with our Foundation Day in December. But that was not to be!

I was born slightly later and we had grown up together. But in those days, boys and girls were so shy that as children, we never spoke to each other. He was an enthusiastic sportsman, and we used to appreciate his participation in the badminton tournaments and cricket matches. He was very particular about physical exercise and even in later years, never missed his evening walks or jogs in the Bombay Gymkhana.

He was a good leader and a wonderful organizer. He had an eye for discovering talent, which was apparent when he formed various committees. Once having assigned the responsibility to a deserving committee member, he never interfered in the execution of the plans. He was magnanimous in his attitude and was always ready to lend a helping hand to everyone.

Shaila, his wife and I were childhood friends in Anandashram and after marriage continued to stay here. But when our children were small, we were busy with family chores and did not meet very often. Later on, my husband Narendra and Suresh got to know each other and became close friends. They used to sit and chat in our Society-garden and both our families, with Dr. Ajit and Neena Pai used to spend pleasant evenings together.

Suresh was a stickler for punctuality. Once, he was to address a gathering, There were a few people seated in the hall. Suresh started delivering his speech exactly on time. Those who were rather slow, hurriedly joined the audience and it was a ‘full house’ soon.

I remember the Children’s Day, when we had invited him as Chief Guest. He was to be welcomed by the students who played lezim and the procession was to proceed towards the hall. He came at the stipulated time and was about to enter. We requested him to wait at the entrance and told him how excited the kids were about performing to welcome him. He appreciated that. We gathered the children hurriedly and the procession started as planned earlier.

He was fond of percussion instruments and liked to attend tabla recitals. He enjoyed light music too. Long ago, when we had gone for a picnic from Anandashram,

Our Friend SureshSadhana kamat

he sang “Louella” the Pat Boone song. I think it was specially meant for Shaila, whom he was courting then!

He was a great Cricket fan, and would watch all the matches with keen interest. And then would discuss them with his sister Sudha, who is also a cricket lover.

During our family get-togethers, Suresh used to entertain us with funny anecdotes from our childhood in Anandashram. He had a great flair for this and our children would be in splits. They coaxed him to repeat them every time. He was tired of telling the same stories again and again, but ultimately used to give in, leading to much merriment!

Cheerful, friendly, fun loving, compassionate, large hearted, ambitious, and hard working, may his happy memories stay with us forever!

<<<>>>

Suresh Hemmady contributed An Author’s note in the publication “President’s Desk” which reads as follows:

QuoteI am an avid reader along with being avid net surfer.

Trust me, the variety of topics and articles and posts and emotional outbursts…. both happy and painful that I have come across have always inspired me in many ponderings. To those who know me, I am also a keen people reader and people’s reaction and expressed thoughts, to various situations and experiences, interest me. The numerous hues of people in varied circumstances has always made me more insightful and attuned to human psychology. The various “President’s Desk” articles that you read have been an outcome of the same.

Thank you for liking my articles and giving some candid reviews. Your reviews of each article further inspired me to pen the next article. Unquote


Chitrapur Heritage Foundation711 Daylily Court, Langhorne, Pennsylvania, USA

Connecting US Amchis to Chitrapur MathFounded in 2005, Chitrapur Heritage Foundation (CHF) is a Section 501 (c)(3) not-for-profit charitable organization. The mission of CHF is to provide a vital link for Amchis in the US to stay actively connected with our Chitrapur Math and our Guruparampara. Currently, CHF Chapters are located in four main regions across the US. Over the past decade, Amchis in the US have supported students’ education, temple restoration & cladding, and promoted women’s empowerment in the villages of Chitrapur and Shirali. The activities of CHF include: • Facilitate the collection of annual “Vantiga” payment from every earning Saraswat in the US - “Vantiga” supports and maintains the upkeep of our spiritual centers in Bengaluru, Gokarn, Mallapur, Mangaluru, and Shirali;• Promote cultural heritage by supporting temple restoration projects and maintenance of Chitrapur Museum archives;• Support education of 100 students at the Srivali High School through the “Sponsor-A-Student” Scheme; and • Preserve the rich cultural heritage of the Chitrapur Saraswat community in the US through Monthly Satsang and Prarthana Varga for children, and by celebrating festivals like Yugadi, Ram Navami, Gokulashtami, Ganesh Chaturthi, Navratri, Diwali.

Be a part of CHF by volunteering in Prarthana Varga classes for teaching our Amchi children in the US how to chant shlokas, sing bhajans, and the tenets of our Sanatana Dharma. Volunteers are also required for CHF’s other activities such as website maintenance, writing blogs to communicate with the US laity, helping raise funds for women’s empowerment projects in Chitrapur and Shirali.

For more information, please contact Arun Heble ([email protected]) Tel: +1-215-666-3200or Pramod Mavinkurve ([email protected]). Tel: 908-616-1497.


What an amazing milestoneYour love for each other,

Is an inspiration and a great example of Commitment for everyone around you

We wish you

“HAPPY GOLDEN WEDDING ANNIVERSARY”And many more years of togetherness

Mugwes, Nadkarnis, Nayaks & Shettys,

Byndoors, Bantwals, Ubhaykars, Ulpes & Hattangadis.


What an amazing milestoneYour love for each other,

Is an inspiration and a great example of Commitment for everyone around you

We wish you

“HAPPY GOLDEN WEDDING ANNIVERSARY”And many more years of togetherness

Mugwes, Nadkarnis, Nayaks & Shettys,

Byndoors, Bantwals, Ubhaykars, Ulpes & Hattangadis.

50 YEARS OF TOGETHERNESS(13.07.1967 – 13.07.2017)

Sri Mangesh D Mugwe & Smt Uma M MugweMysore


Celebrating your centenary:

Bharati Karnad (daughter) Sadanand Naimpalli (son) Late Mohan Naimpalli (son)

Late Durgadas Karnad Aruna Naimpalli Purnima Naimpalli

Children: Children: Children:

Manoj Karnad Sameer Naimpalli Bhavani Masurekar

Maithili Karnad Swati Naimpalli Riyaz Masurekar

Amar Karnad Shwetambara Naimpalli Sandeep Naimpalli

Aparna Karnad Grandchild: Manali Naimpalli

Grandchildren: Swaraa Naimpalli Grandchildren:

Siddhant Karnad Meha Masurekar

Rhea Karnad Neev Masurekar

Dinker Sadashiv Naimpalli


A Bright Star – Dinker Sadashiv Naimpalliby Sadanand Naimpalli

It was a clear, starlit night. Young Dinu, all of seven, was lying on his mat awake, staring at the stars in the firmament, wondering what he had to do to please his uncles and their domineering aunts who ruled the roost. Nothing that he did seemed to get their approval. What if my mother were alive? Would she have been as demanding and forbidding as these grand aunts? How was my mother? I don’t seem to have an inkling of her. These people blame me for Fate snatching her away within 3 months of my birth. Am I responsible for her death? Is that why I am looked down upon as an unwanted burden on the family? Where is my father? Oh God! Only till a few months ago, I remember him as a shadow that seemed to be with me. And suddenly one day I hear that he is gone to be with God!

One bright star seemed to beckon young Dinu. He was fascinated by it and stared at it, forgetting his travails. Is that my mother and father? Can I meet them there? I must reach the star – even if it takes me a lifetime! The bright star remained his constant companion in the years to come.

The one bright spot in Dinu’s young life was his bonding with the Kodkani family of Belgaum. Ramabai Kodkani, his elder maternal aunt, realizing the child’s predicament had him come and stay with her periodically. She and her children gave him the affection of a mother and siblings – something that Dinu enshrined in his otherwise pitiful young life. He in turn called her “Aai” just like her children and continued to look upon her as his mother.

Despite insurmountable odds, Dinu passed his board exams and was wondering what was to follow. Providence for once was beneficially inclined toward him. His maternal uncle Shri Anant Nadkarni (Badaa Bhoot), invited Dinu to Bombay to pursue his future. But his uncles, bid him farewell with a “glowing” recommendation letter, requesting Shri Nadkarni not to waste any time or money on the worthless brat who was no good at studies.

Dinu, at the age of 16, landed in Bombay and started a new life with his uncle, who employed him to do odds and ends at his tailoring establishment. Within a few years, Shri Nadkarni, fell on bad times and had creditors queuing up outside his establishment. Partly, in order to clear debts, Anantmaam borrowed Rs. 3000/- from Dinu. This amount was got by pledging some shares which Dinu had inherited as his father’s dying wish. When the time came for Anantmaam to step down, he handed over the reins to young Dinu, who became the sole propreiter of the tailoring establishment which he promptly named “Bright Star Trading Co.”

From then on, good days started coming Dinu’s way. He got engaged to and married a young girl Meera Karanje, from Moodbidri. He procured a two-room tenement in the newly formed Talmakiwadi and dreamt of a new, happy future! Meera and Dinu’s life indeed, turned out to be a welcome change for Dinu, who till then, had no good memories of the earlier years of his life. His business started prospering and his domestic life was brimming with love and expectations. The two – Meera and Dinu – had three precocious children viz., Bharati, Sadanand, and Mohan, who made their family life complete and wholesome.

A modest, self-effacing man, Dinu dedicated a substantial portion of each day in developing his business. His amiable persona and sweet, though persuasive, conversations attracted a clientele that was a veritable who’s-who of Bombay city. The business prospered and his children started acquitting themselves creditably in their academic and artistic pursuits. Life was indeed a bed of roses for a child who knew of nothing but thorns. Dinu was on his way now – especially that people started recognizing him as “Bright Star.”

The children were raised in the best tradition of a Chitrapur Saraswat family with equal accent on education and artistic freedom, coupled with a strong religious ethos. Dinu saw to it that his children were not deprived of anything that they wanted, be that food or entertainment, things that he had only dreamt of in his childhood!

After playing the roles of husband, father, and a doting grandfather, Dinu diverted his attention from business to yoga and meditation. He became a follower of Swami Poornanand Saraswati and thoroughly immersed himself in a soul-enriching quest. Through his long stints of meditation, he acquired a radiant glow on his face, prompting even unknown people to touch his feet in veneration. To the disciples of Swami Poornanand Saraswati, Dinu was the next most revered after Swamiji.

Dinu became one with the Almighty on 23rd November, 1987. He left behind a legacy that his children continue. In his life, he had fulfilled his childhood dream and acquired the status of a Bright Star – The Sun – which his name, Dinker, stood for.

We, his progeny, feel privileged to honor his memory on his hundredth birth anniversary and hope that we continue to make him proud.


Proudly, we can talk about a stalwart of our community, who changed the lives of so many in South and North Kanara in the late 19th Century and early 20th Century — Kudmul Ranga Rao.

He was born in a poor family to Shri Devapayya, who was a clerk to a Muslim landlord, and Shrimati Rukmini, a home maker, in the village of Kudmul. His father died when he was sixteen, leaving him to look after the young family. He had to give up his studies to do this. Later on, when he could, he studied law and became a pleader. He had to tour the district, where he saw and realised the miserable and hopeless conditions of the “mhars” and the “Koregas” and wanted to reach out to them. At the age of 34, he gave up his lucrative career to concentrate only on pursuing his dreams, which were revolutionary for the times.

His aspirations were threefold:= Amelioration of the suffering of the “untouchables”= Empowerment of women, mainly child widows

and destitute women, and prevention of child marriages= Universal education for all, providing them with

skills to make them employable.It was not easy to approach these Dalit communities;

they were suspicious and scared of being punished for talking to high caste people. He felt the only way to overcome their fear and build their trust was to encourage the idea that they could have a better future and something to look forward to for themselves and their children. He went to their homes and lived with them so they began to believe in him and trust him. He was then able to persuade them to send their children to schools.

K. R. Rao, much before his times, believed that women needed to be empowered and that the only way was through education and skill development.

Being a firm believer in education for all, he opened primary schools and later high schools in Mangalore and villages in the districts. Along with this, he started industrial training centres where the young students were taught skills to earn a decent living.

He also opened hostels where girl children and destitute women were given a place to stay and learn, irrespective of class, creed, caste and community. They, too, were educated and later on taught skills like embroidery, weaving etc, empowering them to take care of their needs and earn.

Extraordinary People

A Visionary and an Inspiring PersonalityKudmul Ranga Rao (1859 - 1928)

By Praemi m. row

He encouraged widow remarriage, especially for child widows. He almost became a one man marriage bureau.

Though he opened schools for all, children f r om t he “ uppe r classes” would not attend them. He also found it difficult to find teachers to come and teach in these schools. He did not give up, he recruited Christian teachers to come and teach. All this was done keeping in mind, education for all, and income generating skills and instilling self respect among those who had none.

There were times when there was no money to feed the children. His only recourse was to appeal to the Almighty. Being an ardent believer in the Almighty, he felt He would cater to his needs. At times of need, provisions would arrive. He also got financial help from people who had heard of his work. Eventually, when he could not handle the work anymore he gave all to the depressed class mission.

When Gandhiji came to Mangalore in 1934, he wanted to visit all the schools and homes started by K.R.Rao. After seeing them, at the public meeting organised for him, Gandhiji said “K.R.Rao is my guru and I have learnt much from him”.

Unfortunately, since his ideas and work were not in keeping with the times, he was excommunicated by the then Head of our community, and was disallowed from visiting temples, etc. Later, however, he was honourably reinstated by His Successor.

About this time he and a couple of other friends, brought the Brahmo Samaj movement to Mangalore. With its liberal ideas of no class, creed and caste distinctions, it was in keeping with K.R.Rao’s beliefs and he became a Brahmo. Later on, he gave up all and took sanyas and was given the name of Swami Ishwarananda.

Though all these ideas must have gone totally against her upbringing and beliefs, Rukmini Bai supported her


husband completely.Kudmul Ranga Rao passed away ironically on 30

January 1928, the same day as Gandhiji did a few decades later. He left a very unusual request in his will. He expressed his desire that his bier be carried by people of every caste and religion. This raised an uproar, so a compromise was reached, where the bier was lowered every furlong and raised again by a different set of people, with no thought of caste, religion, community etc. So, all who wanted to had a chance to assist.

His greatest wish however remained unfulfilled in his lifetime. He wanted the dust raised by a car ridden by a dalit to fall on him. That was not to be.

In recognition of his yeomen’s service the Mangalore Corporation named a road after him in the heart of the city, which runs from the Bunts Hostel to the P V S Circle. Later the Corporation also named the 50-year old Town Hall after him.

A great soul, a luminary, a human being our community can truly be proud of.

(Praemi M. Row is the great granddaughter of Kudmul Ranga Rao. She is the wife of the late Gangolli Manohar Row, who was a Rotarian and was actively connected with the hospice for terminally ill cancer patients ‘Karunashraya’, of which he was the Honorary Treasurer)

Vinay V GangavaliPhone: 2380 0460Mobile: 9892407934

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Sarvashri Rao Bahadur Shripad Subrao Talmaki, Durgaram M. Amlady, Dattaram M. Balwalli, Ramkrishna N. Kalbag, Sheshgiri N. Kalbag, Sanjiva Rao Kundapur, Datta Bhat Mangalore, Venkat S. Marballi, Mangesh M. Mugve, Ganesh P. Murdeshwar, Laxman M. Nadkarni, Raghuram M. Shirali, Ganpat V. Shirur

OFFICE BEARER 2016-2017

1. President – Shri Praveen P Kadle

2. Vice-President – Smt. Geeta V. Yennemadi

3. Ex-Officio-(Immediate Past President) Late Shri Suresh Hemmady

MANAGING COMMITTEE

1. Chairman – Shri Rajaram D. Pandit

2. Hon. Secretary – Shri Shivshankar D. Murdeshwar

3 Hon. Treasurer – Shri Aditya Mankikar (Resigned on 01.01.2017 Shri Vandan Shiroor (Co-opted on 04.02.2017

4. Jt. Hon.Treasurer Shri Dilip P. Sashital

5. Hon. Secretary, Fund Management Shri Yatin Mavinkurve

6. Hon. Secretary, Health Services – Dr. Prakash S. Mavinkurve

7. Hon. Secretary, Building - Shri Jairam Khambadkone (w.e.f 18.09.2016)

8. Hon. Secretary, Holiday Home & Bhandardara – Shri Kishore A. Surkund

9. Hon. Secretary, Magazine Circulation & Marriage Bureau Shri Anand Nadkarni

10. Hon. Secretay, Sports & Socials – Shri Sunil G Ullal

11. Hon. Secretary, Website & Knowledge Centre – Shri Amol R. Pandit (Resigned on 23.09.2016)

12. Hon Secretary, Marriage Bureau Smt Usha K.Surkund

13. Hon. Secretary, Public Relations Shri Shailesh V Bijoor

MEMBERS OF THE EDITORIAL COMMITTEE

Managing Editor : Shri Gurunath S. Gokarn

Editor : Smt. Smita P. Mavinkurve

Associate Editor: Shri Uday A. Mankikar

Member : Smt. Usha K Surkund

Ms. Shruti S. Gokarn

Statutory Auditor : M/s. SCA and Associates,

Chartered Accountants

Hon. Auditor: Shri Hattanagadi Premanand Bhat

(Resigned in October 2016) Shri Vandan Shiroor, (From Oct 2017 to Dec 2017) & Shri Aneesh Hosangadi from (January 2017 onwards)

THE KANARA SARASWAT ASSOCIATION(REGD)13/1-2, Association Building, Talmakiwadi, J.D.Marg, Mumbai – 400007

Tel No.: - 022-23802263 / 022-23805655 Tele Fax-022-23805655Website: http://www.kanarasaraswat.in Email id: [email protected]

FOUNDED ON 26TH NOVEMBER 1911

105th ANNUAL REPORT FOR THE YEAR 2016-2017

FOUNDER MEMBERS


Sarvashri Rao Bahadur Shripad Subrao Talmaki, Durgaram M. Amlady, Dattaram M. Balwalli, Ramkrishna N. Kalbag, Sheshgiri N. Kalbag, Sanjiva Rao Kundapur, Datta Bhat Mangalore, Venkat S. Marballi, Mangesh M. Mugve, Ganesh P. Murdeshwar, Laxman M. Nadkarni, Raghuram M. Shirali, Ganpat V. Shirur

OFFICE BEARER 2016-2017

1. President – Shri Praveen P Kadle

2. Vice-President – Smt. Geeta V. Yennemadi

3. Ex-Officio-(Immediate Past President) Late Shri Suresh Hemmady

MANAGING COMMITTEE

1. Chairman – Shri Rajaram D. Pandit

2. Hon. Secretary – Shri Shivshankar D. Murdeshwar

3 Hon. Treasurer – Shri Aditya Mankikar (Resigned on 01.01.2017 Shri Vandan Shiroor (Co-opted on 04.02.2017

4. Jt. Hon.Treasurer Shri Dilip P. Sashital

5. Hon. Secretary, Fund Management Shri Yatin Mavinkurve

6. Hon. Secretary, Health Services – Dr. Prakash S. Mavinkurve

7. Hon. Secretary, Building - Shri Jairam Khambadkone (w.e.f 18.09.2016)

8. Hon. Secretary, Holiday Home & Bhandardara – Shri Kishore A. Surkund

9. Hon. Secretary, Magazine Circulation & Marriage Bureau Shri Anand Nadkarni

10. Hon. Secretay, Sports & Socials – Shri Sunil G Ullal

11. Hon. Secretary, Website & Knowledge Centre – Shri Amol R. Pandit (Resigned on 23.09.2016)

12. Hon Secretary, Marriage Bureau Smt Usha K.Surkund

13. Hon. Secretary, Public Relations Shri Shailesh V Bijoor

MEMBERS OF THE EDITORIAL COMMITTEE

Managing Editor : Shri Gurunath S. Gokarn

Editor : Smt. Smita P. Mavinkurve

Associate Editor: Shri Uday A. Mankikar

Member : Smt. Usha K Surkund

Ms. Shruti S. Gokarn

Statutory Auditor : M/s. SCA and Associates,

Chartered Accountants

Hon. Auditor: Shri Hattanagadi Premanand Bhat

(Resigned in October 2016) Shri Vandan Shiroor, (From Oct 2017 to Dec 2017) & Shri Aneesh Hosangadi from (January 2017 onwards)

THE KANARA SARASWAT ASSOCIATION(REGD)13/1-2, Association Building, Talmakiwadi, J.D.Marg, Mumbai – 400007

Tel No.: - 022-23802263 / 022-23805655 Tele Fax-022-23805655Website: http://www.kanarasaraswat.in Email id: [email protected]

FOUNDED ON 26TH NOVEMBER 1911

105th ANNUAL REPORT FOR THE YEAR 2016-2017

FOUNDER MEMBERS

NOTICE OF THE 105th ANNUAL GENERAL MEETING OF THE KANARA SARASWAT ASSOCIATION (REGD)

Notice is hereby given that the 105th Annual General Meeting of the Kanara Saraswat Association will be held on Sunday 17th September 2017 at 10.00 a.m. in Shrimat Anandashram Sabhagriha (Ground Floor), Association Building, Talmakiwadi, Javji Dadaji Marg, Mumbai – 400 007 to transact the following business:

1. Reading of the notice convening the meeting.

2. Confirmation of the minutes of the 104th Annual General Meeting held on 18th Sept 2016 (The Minutes of Meeting published in December 2016 issue of KS Magazine). The Members are requested to carry December 2016 issue of Kanara Saraswat Magazine.

3. Adoption of the Committee’s Report and Audited Statement of Accounts for the year ended 31st March 2017

4. Election of President and Vice President for the years 2017-2019 (Both President and Vice President have already been elected in 103rd AGM for the period of two years i.e. 2015-2017)

5. Declaration of the results of the elected 4 members on the Managing Committee.

6. Election of Honorary Auditors for the F.Y. 2017-2018

7. Election of Statutory Auditors for the F.Y. 2017-2018

8. Any other business that may be brought before the Managing Committee with the consent of at least two-third of the members present as laid down in Rule No 36.

(Subject to the provisions of Rule 33(b) no business other than specified in the Notice convening the meeting shall be transacted at any General Meeting, except with the consent of at least two-thirds of the members present)

Note: Members desiring to bring forward any questions are requested to give notice of the same in writing to the Hon. Secretary at least 7 days before the Meeting. The Annual Report and the Statement of Accounts for the year ended 31st March 2016 will be published in the September 2017 issue of “Kanara Saraswat” Magazine. The report will also be uploaded on our Website www.kanarasaraswat.in for the benefit of Members.

By order of the Managing Committee

Shri Shivshankar Murdeshwar

Hon Secretary


105th Annual Report of Kanara Saraswat Association ( F.Y. 2016-17)

Dear Members

We have pleasure in placing the Annual Report for 2016-2017 along with the Audited Statement of Accounts for the year ended 31st March 2017 at the 105th Annual General Meeting of the Kanara Saraswat Association (KSA). While doing so, we pay tribute to our Past Presidents, Vice-Presidents, Members of the Managing Committee, Members of KSA, donors, employees and well wishers of KSA, deceased or alive and salute their perseverance, dedication and selfless service without which we would not have reached this milestone of 105 years.

We fondly remember our Thirteen Founder Members including our first President Late Rao Bahadur S. S. Talmaki, a pillar of strength to the KSA and the Community.

Please note that F. Y. means ‘Financial Year’ – April to March

MEMBERSHIP

The number of persons admitted to different classes of Membership during the Financial Year 2016-17 are as follows:

Total Membership LIFE PATRON **SPOUSE ORD ***BENEFACTORAs on 31/03/2016 5603 303 33 1 46During F.Y. 2016-2017 24 02 10 _ _Up-gradation from Life Members to Patron Members

-30 30

As on 31/03/2017 5597 335 43 1 46

* 5975 Members ( Patron+ Life+ Spouse ) includes deceased Members.

** Spouse of Member can become Life/ Patron Member by availing concession of Rs 2000/-

*** Benefactor Category discontinued as per Resolution passed in AGM held on 26th September 2010

RESERVE FUND – GENERAL FUND

The Reserve Fund of the Association increased from Rs 50,97,367.65 as on 31.3.2016 to Rs 53,51,368.65 as on 31/03/2017 due to fees of Rs 1,66,500.00 received from Life & Patron Members and a sum of Rs 87,501.00 received on account of up-gradation of Membership during the FY 2016-17.

CORPUS FUNDS AND DONATIONS AND FIXED DEPOSITS

SR. No.

Name of the Fund Amt as on 31.03.2016

Donations recd during April 16 to Mar 17

Total Fund as on 31/03/2017

F 1 CENTENARY FUND 1,35,89,472.00 NIL 1,35,89,472.00CORPUS FUND:

F 2 DISTRESS RELIEF FUND 23,44,240.00 80000.00 24,24,240.00F 3 SCHOLARSHIP FUND 37,40,624.64 35000.00 37,75,624.64F 4 MEDICAL RELIEF FUND 21,14,817.00 1,75,000.00 22,89,817.00F 5 EMERGENCY MED REL FUND 48,47,944.00 1,82,000.00 50,29,944.00F 6 SUB TOTAL (F 2 TO F 5) 1,30,47,625.64 4,72,000.00 1,35,19,625.64

OTHER CORPUS FUNDSF 7 KONKANI BHASHA 1,51,557.42 ------------- 1,51,557.42F 8 PRIZE FUND 5,15,896.18 -------------- 5,15,896.18 F 9 COMMUNITY CHEST FUND 6,61,954.00 ------------- 6,61,954.00F 10 KALA VIBHAG FUND 1,41,122.00 ------------- 1,41,122.00F 11 MAGAZINE FUND 4,07,695.00 4,07,695.00F 12 NRK MEMORIAL (LIBRARY) 21,064.56 ------- 21,064.56


F 13 NHH MAINTAINANCE FUND 2,00,000.00 -------- 2,00,000.00F 14 SUB TOTAL (F 7 TO F 13) 20,99,289.16 20,99,289.16F 15 GENERAL FUND * 0.00 * 3,44,784.00 * 3,44,784.00F 16 GRAND TOTAL (F 1+F 6

+F 14+F 15) 2,87,36,638.80 8,16,784.00 2,95,53,170.80

Total Amount of FDR with Bank Annexure A-5 to Balance Sheet

2,87,36.386.80 8,16,784.00 2,95,53,170.80

FDR made out of Surplus Cash Flow

15,50,000.00

Total 3,11,03,170.80

We had encashed FDR of Rs 20,68,702.00 under General Fund for adjusting Overdraft availed for Renovation of Marriage Halls in FY 2015-16 with a condition that it will be recouped within 6 years in equal installment from Revenue Receipts. Out of Rs 20,68,702.00, we have recouped amount of Rs 3,44,784.00 in FY 2016-17 by investing in FDR as per our Commitment to General Body. The Balance is Rs 17,23,918.00.

DISBURSEMENT OF AID

The prime and important objective of Kanara Saraswat Association is to provide relief to the poor & needy, educational aid & grants to students, medical relief to the sick & ailing, and to undertake charitable causes. The Association continuously strives to fulfill these important objectives of financially helping the needy persons.

The following chart shows the amount disbursed to needy persons out of interest received on Investment of Corpus Funds for the last 5 years

Nature of Aid Amount to be disbursed in 2017-2018

No of benefi-ciaries in FY

2016-17

Amount Disbursed in

F.Y. 2016-2017

Amount Disbursed in F.Y. 2015-16


Amount Disbursed in

F.Y. 2013-14


*** Scholarship 235000.00 24 2,64,000.00 2,54,000.00 2,39,000.00 2,48,000.00 2,35,000.00

*** Distress Relief 140000.00 25 1,58,000.00 1,58,000.00 1,37,000.00 1,39,000.00 1,33,000.00

*** Medical Relief 125000.00 05 96,000.00 1,31,000.00 87,000.00 85,000.00 76,000.00

Emergency Medical Relief Fund

290000.00 23 3,17,885.00 3,15,000.00 3,31,000.00, 3,10,000.00 3,09,000.00

Aid to BPL Families 0.00 10,000.00 12,000.00 ---------- 15,000.00

Centenary Educational Refundable Grant

16 12,81,000.00 11,33,000.00 8,87,430.00 11,78,500.00 3,50,000.00

Centenary Medical Aid

10 4,70,000.00 3,00,000.00 2,50,000.00 4,00,000.00 4,22,000.00

TOTAL AMOUNT 25,86,885.00 24,03,052.00 19,43,430.00 23,60,500.00 15,40,000.00

*** The above Interest on Corpus is disbursed to needy persons based on their applications. The Co-ordination Committee of Aid Giving Institutions assesses the applications and recommends deserving persons for receiving aid. The aid giving Institutions are: 1) Kanara Saraswat Association 2) Chitrapur Saraswat Educational Relief Society 3) Saraswat Educational and Provident Co-op Society, Grant Road, 4) Saraswat Mahila Samaj, Gamdevi 5) Shrimat Anandashram Ordination Golden Jubilee Fund, Shri Chitrapur Math, Shirali, 6) Swami Parijnanashram III Education and Charitable Trust, Virar. The Co-ordination Committee invites applications from needy persons and after scrutinizing the applications, it sanctions the quantum of aid based on individual needs and sends recommendations to the Kanara Saraswat Association for disbursing Scholarship, Medical Aid and Distress Relief to selected persons.


KSA CENTENARY CORPUS FUND

The Centenary Fund was started during our Centenary Year 2010-2011. A Centenary Fund Raising Committee (CFRC) was formed under the leadership of our then President Shri Suresh Hemmady the other two Members being Mr. Ratnakar Gokarn and Mr. Dilip Sashital. Similarly a Centenary Fund Management Committee (CFMC) consisting of Mr. Vinod Yennemadi, Mr. Praveen Kadle, and Mr. Uday Gurkar was formed to monitor the Fund. Mr. Yatin Mavinkurve manages the Fund and Disbursement under direction of CFMC. Dr. Prakash Mavinkurve scrutinizes the applications received under Centenary Medical Aid as per guidelines. Members of both committees take keen interest in progress of Centenary Fund. The details of Centenary Fund are as under:-

Centenary Fund as on 31.03.2017 Rs 1,35,89,472.00 Total DisbursementDisbursementsEducational Refundable Grant disbursed 28 students up to 31.03.2016 Rs 35,48,930.00Educational Refundable Grant disbursed 18 students during F.Y. 2016-17 Rs 12,81,000.00 Rs 48,29,930.00Less: Refund up to 31.3.2017 Rs 4,67,250.00 Rs 43,62,680.00Centenary Medical Aid Disbursed to 28 needy patients up to 31.03.2016 Rs 13,72,000.00Centenary Medical Aid disbursed to 10 beneficiaries during F.Y 2016-2017 Rs 4,70,000.00 Rs 18,42,000.00

Out of total number of 46 Students who have availed Grants of Rs 48,29,930.00, Due amount was Rs 3,12,250.00. Students paid Rs 3,07,250.00 before due date and balance Rs 5000.00 was overdue as on 31.3.2017 which has been recovered in FY 2017-18. One Student repaid entire grant of Rs 1,60,000.00 before it became due for repayment.

FUND RAISING UNDER CORPUS ENHANCEMENT FUND & ADJUSTMENT OF OVERDRAFT

As mentioned in Annual Report FY 2015-16, Rs 46.75 Lakhs was collected under the leadership of our President Mr Praveen Kadle towards the Corpus Enhancement Fund as on 31.3.2016. The main objective of the Fund was to repay Overdraft of Rs 1 Crore taken by pledging our FDRs for renovating the Hall in 2010 and also to gradually bring down accumulated loss of Rs 32,57,318.93 as on 31.03.2016. We had appealed to Members and well-wishers to contribute to naming of rooms in KSA Hall in memory of person/s as per Donor’s wish. The Donations received up to 31.3.2017 are as under:-

Sr. No. Names of Donors Donation Amount1 Mr. Praveen Purushottam Kadle RS 17.50 lakhs2 Mr. Mohan Anand Chandavarkar Rs 15.00 lakhs3 Dr. Prakash Shantaram Mavinkurve & family Rs 11.50 lakhs4 Mr. Ram Savoor Rs 10.00 lakhs5 Mr. Anil Bhatkal Rs 3.00 lakhs

Total Rs 57.00 lakhs

The entire Overdraft is now adjusted & we have cancelled OD limit taken against FDs by releasing Banks lien.

INCOME AND EXPENDITURE ACCOUNT

There was a surplus of Rs 4.14 lacs in FY 2009-10 ( i.e. before Renovation of Hall and when there was no OD). After Renovation, though there was an increase in Hall Revenue, it was offset by the Interest on Overdraft. The major contributor to the deficit was very marginal surplus or Loss from Nashik Holiday Home activity and perennial deficit in our Health Center activity. In previous FY i.e. 2015-16, there was an actual loss of Rs 6 lakhs without written Off entries as against loss of Rs 6.34 lakhs in FY 2014-15. As we had written off old entries of Rs 6,81,699/-, the loss was increased to Rs 12.34 Lakhs in FY 2015-16.

In current year 2016-17, Donations from above Donors towards ‘Naming of Rooms’ helped in wiping off the OD. The net Surplus in FY 2016-17 is Rs 1,21,493.39 after writing off old entries amounting to Rs 14,42,048/- ( Pl refer Schedule 13). However operational deficit in FY 2016-17 would have been Rs 1,61,441.06 if not for surplus of Rs 15,63,541.39 generated from Music Event held on 13th & 14th April 2016 at Nehru Center, and brought back amount of Rs 1,71,250.50 to income account from Census Fund Balance (Refer ‘Other Income’ of Schedule 17). The main reason


for operational deficit is due to lower Occupancy Rate of Marriage Halls & Nashik Holiday Home and deficit in Health Center. On the positive side the KS magazine achieved net surplus of Rs 1,83,589.90 due to substantial reduction in Printing Expenses even though there is a very nominal decrease in Advertisement revenue (Pl refer Schedule no 17). The monthly Rent from 6 Tenants of KSA Building has been increased from 9387.72 p.a. to Rs 75030.84 p.a. due to long pending revision of Rent, effective from 1.4.2016.

Increase of Rentals of Tenants : Mr. Jairam Khambadkone, Building Secretary, took long pending issue of increasing Rent of 6 Tenants staying in KSA Building. He examined Rent Control Act, Structure of Municipal & Water taxes before finalizing Rent Structure. The meeting with Tenants were held on number of occasions. The Annual Rent of all six flats were increased from Rs. 9700.00 (Appr Rs 135 p.m. per Tenant) per annum to Rs. 76,500.00 per annum (Rs 1062 p.m. per Tenant), effective April 2016 onwards. This was done by collecting the Municipal Taxes at actuals, Water Charges based on a formula and security charges, common electricity charges, sweeper charges etc based on an agreed formula with the tenants.

The accumulated loss of Rs 32,57,318.93 as on 31.03.2016 has been reduced to Rs 31,35,825.54 due to net surplus of Rs 1,21,493.39 in FY 2016-17. When Mr Praveen Kadle took over as a President of KSA, he had kept three important goals in mind 1) To adjust Overdraft bringing KSA into ‘Surplus mode’ 2) Cleansing of Balance Sheet by doing away with old entries in the Balance Sheet and 3) Strict adherence to statutory compliance All goals except wiping off Accumulated Loss of Rs 31,35,825.54 have been achieved but important thing is to keep the tempo alive by strict vigil on recoveries, control on expenditure and increasing revenue in the four Verticals viz.. Marriage Halls, Nashik Holiday Home, KS Magazine & Health Center. It will be our endeavor to see that all four Revenue verticals will be self reliant without compromising on our objectives so that we shall make our accumulated deficit NIL in next few years. The below mentioned table shows Surplus/Deficit for last 7 years :-

PRESIDENT AND VICE-PRESIDENT

Mr. Praveen Kadle & Mrs Geeta Yennemadi were elected for the 2 year terms as a President and Vice-President of KSA respectively for the years 2015-16 & 2016-17.

MANAGING COMMITTEE

At the close of the Financial Year 31.03.16, there were three vacancies on the Managing Committee of Kanara Saraswat Association caused by retirement of three Members under Rule 13. The nominations for 3 vacancies were invited. The Managing Committee of Kanara Saraswat Association had appointed Mr. Srikar Balsavar as Returning Officer to conduct elections. As we had received three nominations, there was no election. The Returning Officer declared the following as elected in 104th Annual General Meeting held on Sunday, 18th September 2016 :-

1) Mr. Jairam Khambadkone 2 ) Mr. Kishore Surkund 3 ) Mr. Rajaram D Pandit

At the close of the F.Y. 31.03.2017 there are 4 vacancies for the year 2017-2018 due to retirement of 3 Committee Members 1) Mr. Dilip Sashital 2) Dr Prakash Mavinkurve 3) Mrs. Usha Surkund under rule 13 and Co-opted Member Mr. Vandan Shiroor under rule no 16 (A). Nominations from Members of KSA were invited to fill up the four vacancies. The last date of receiving applications was 9th June 2017 and for withdrawal of applications was 15th June 2017

MANAGING COMMITTEE MEETINGS

During the year under reference viz from 1st April 2016 to 31st March 2017, the Managing Committee met 13 times.

NAME OF MEMBER NO. OF MEETINGS MEETINGS ATTENDED

Shri Rajaram D. Pandit 13 13

Shri Shivshankar D. Murdeshwar 13 12

Shri Yatin S. Mavinkurve 13 06

Shri Aditya U. Mankikar 6 02 Resigned on 1.1.2017

Shri Gurunath S. Gokarn 02 0 Retired on 12.06.2016

Shri Anand R. Nadkarni 13 12

Dr. Prakash S. Mavinkurve 13 09

Shri Kishore A. Surkund 13 12


Shri Dilip P. Sashital 13 9

Shri Amol R. Pandit 07 4 Resigned on 23.09.2016

Ms. Usha K. Surkund 13 10

Mr. Sunil G. Ullal 13 8

Mr. Shailesh V. Bijoor 13 5

Mr. Jairam Khambadkone 07 7 Joined on 18th Sept 2016

Mr. Vandan Shiroor 02 02 Co-opted on 4.2.2017

Statutory Auditor and Publishing of Annual Report & Accounts in KS Magazine

In the previous Annual General meeting, Members had given authority to the Managing Committee of KSA to appoint the Statutory Auditor in place of M/S Saraf, Gurkar & Associates who had decided to close down their Partnership Firm. Accordingly, the Managing Committee of KSA has appointed SCA and Associates, Chartered Accountants as Statutory Auditors of KSA for F.Y. 2016-17. Our audit will be handled by Mr. Kiron Mallapur, Partner, SCA and Associates. He has experience of over 33 years.

We have decided to publish the 105th Annual Report and Financial Statements in the September 2017 issue of KS magazine. As per their rule, the postal authorities did not allow publishing the Financial Reports in Magazines enjoying postal concession. Therefore, we were separately mailing the Annual Report to Members in Mumbai and simultaneously uploading the same on the website for information of all Members. However the Postal rule is now amended to allow the same, subject to the weight of the Magazine not exceeding 200 gms as in the case of KSA. To meet this requirement, the accounts this year have been presented in a concise manner but still adhering to the format prescribed under the Bombay Public Trust Act, without compromising on quality of information furnished to Members. We have decided not to publish Schedules mentioning names of all Donors and amount donated towards various funds on the liability side. Also list of FDR’s on the Asset side have not been given. Hitherto we were showing depreciation under ‘reserve for depreciation’ account. However, under the Statutory auditor’s advice, this time the amount under ‘reserve for depreciation’ has been squared off to assets.The list of donors from inception of KSA has been uploaded on the KSA Website. The pages of the Annual Report will therefore be substantially reduced.

We shall be posting the magazine at concessional rate of Rs 0.70 through Indian Post instead of spending Rs 30/- to Rs 50/- per Annual Report on courier charges. Those who opted for Green Initiative can access on KSA Website. We shall be saving substantially on printing and postage charges.

SHRIMAT ANANDASHRAM HALL (GROUND FLOOR)

and SHRIMAT PARIJNANASHRAM HALL (UPPER FLOOR )

The Occupancy Rate of two halls is still low. We are giving below Comparative Chart of Occupancy of Shrimat Anandashram Hall (ground floor) and Shrimat Parijnanashram Hall (upper floor) :-

Year Full Day Half Day InstitutionalBooking

Free Total Vacant Days

2010-2011 12 60 19 09 100 265

2011-2012 10 90 28 11 139 227

2012-2013 06 87 27 10 130 235

2013-2014 06 79 26 10 121 244

2014-2015 08 56 27 08 104 261

2015-2016 08 56 18 10 92 274

2016-2017 03 52 45 10 120 245

The occupancy rate of Hall was reduced from 10 % in F.Y.2015-2016 to 8% in 2016-2017. However there is good turnaround of Bookings in Current F.Y. i.e. in 2017-18 thanks to the Jain Community who have booked Hall for almost 54 Half Days for their Chaturmas. Though we have given concession, we shall be getting substantial revenue. Our Budgetary figures submitted to Charity Commissioner in respect of Revenue income from Hall for F.Y. 2016-17 is Rs 11,50,000.00. Looking into present trend, we are hopeful of exceeding the budgeted revenue income from Hall.


Shri Dilip P. Sashital 13 9

Shri Amol R. Pandit 07 4 Resigned on 23.09.2016

Ms. Usha K. Surkund 13 10

Mr. Sunil G. Ullal 13 8

Mr. Shailesh V. Bijoor 13 5

Mr. Jairam Khambadkone 07 7 Joined on 18th Sept 2016

Mr. Vandan Shiroor 02 02 Co-opted on 4.2.2017

Statutory Auditor and Publishing of Annual Report & Accounts in KS Magazine

In the previous Annual General meeting, Members had given authority to the Managing Committee of KSA to appoint the Statutory Auditor in place of M/S Saraf, Gurkar & Associates who had decided to close down their Partnership Firm. Accordingly, the Managing Committee of KSA has appointed SCA and Associates, Chartered Accountants as Statutory Auditors of KSA for F.Y. 2016-17. Our audit will be handled by Mr. Kiron Mallapur, Partner, SCA and Associates. He has experience of over 33 years.

We have decided to publish the 105th Annual Report and Financial Statements in the September 2017 issue of KS magazine. As per their rule, the postal authorities did not allow publishing the Financial Reports in Magazines enjoying postal concession. Therefore, we were separately mailing the Annual Report to Members in Mumbai and simultaneously uploading the same on the website for information of all Members. However the Postal rule is now amended to allow the same, subject to the weight of the Magazine not exceeding 200 gms as in the case of KSA. To meet this requirement, the accounts this year have been presented in a concise manner but still adhering to the format prescribed under the Bombay Public Trust Act, without compromising on quality of information furnished to Members. We have decided not to publish Schedules mentioning names of all Donors and amount donated towards various funds on the liability side. Also list of FDR’s on the Asset side have not been given. Hitherto we were showing depreciation under ‘reserve for depreciation’ account. However, under the Statutory auditor’s advice, this time the amount under ‘reserve for depreciation’ has been squared off to assets.The list of donors from inception of KSA has been uploaded on the KSA Website. The pages of the Annual Report will therefore be substantially reduced.

We shall be posting the magazine at concessional rate of Rs 0.70 through Indian Post instead of spending Rs 30/- to Rs 50/- per Annual Report on courier charges. Those who opted for Green Initiative can access on KSA Website. We shall be saving substantially on printing and postage charges.

SHRIMAT ANANDASHRAM HALL (GROUND FLOOR)

and SHRIMAT PARIJNANASHRAM HALL (UPPER FLOOR )

The Occupancy Rate of two halls is still low. We are giving below Comparative Chart of Occupancy of Shrimat Anandashram Hall (ground floor) and Shrimat Parijnanashram Hall (upper floor) :-

Year Full Day Half Day InstitutionalBooking

Free Total Vacant Days

2010-2011 12 60 19 09 100 265

2011-2012 10 90 28 11 139 227

2012-2013 06 87 27 10 130 235

2013-2014 06 79 26 10 121 244

2014-2015 08 56 27 08 104 261

2015-2016 08 56 18 10 92 274

2016-2017 03 52 45 10 120 245

The occupancy rate of Hall was reduced from 10 % in F.Y.2015-2016 to 8% in 2016-2017. However there is good turnaround of Bookings in Current F.Y. i.e. in 2017-18 thanks to the Jain Community who have booked Hall for almost 54 Half Days for their Chaturmas. Though we have given concession, we shall be getting substantial revenue. Our Budgetary figures submitted to Charity Commissioner in respect of Revenue income from Hall for F.Y. 2016-17 is Rs 11,50,000.00. Looking into present trend, we are hopeful of exceeding the budgeted revenue income from Hall.

We have given the Hall to various organizations on 45 occasions at concessional rate of Rs 1500/- per half day and free of cost on 10 days - 8 days in December 2016 for Datta Jayanti in the presence of H.H. Sadyojat Shankarashram Swamiji, one day each for Talmakiwadi CHS AGM and Anant Chaturdashi (performed by Shri Savkur Mohan Rao,) respectively.

KSA has introduced an Institutional Booking Policy for Hiring Halls, which has brought uniformity in Booking the Hall by Chitrapur Saraswat Institutions and Association of Persons (AOP) at very reasonable cost. There is no loss of Revenue for KSA as, in case of a regular booking, the Institution/ AOP who have booked the Hall are shifted to the Mezzanine Floor.

We have received Rent of Rs 9,36. 500.00 and Rs 67,500.00 from Hall Booking & Institutional Booking in F.Y. 2016-17 as against Institutional Bookings of Rs 9,49,000.00 & Rs 27750/- in 2015-16. The Hall Rent includes Rs 2,57,000/- in 2016-17 & Rs 2,33,000/- in FY 2015-16 from booking for Religious Functions. Further we have received Commission of Rs 2,91,900.00 from 3 Caterers in F.Y. 2016-17 as against Commission of Rs 2,42,265.00 received in 2015-16 due to increase in number of guests served by Caterer. Commission received from Decorator was Rs 67,106.00 in F.Y. 2016-17 against Rs 61,575.00 in F.Y. 2015-16.

NASHIK HOLIDAY HOME

The Occupancy rate of Holiday Home has come down sharply from 29% to 17%. In the previous FY our higher occupancy rate was mainly due to booking of Units during Kumbh Mela in Nashik. The total Rent received from Nashik Holiday Home has decreased from Rs 6,98,504.00 in F.Y. 2015-16 to Rs 4,92,250.00 in FY 2016-17. Expenses have decreased from Rs 6,98,605.50 in F.Y 2015-16 to Rs 5,62,456.00 in FY 2016-17. The deficit has been increased from Rs 101.50 in F.Y. 2015-16 to Rs 70206.00 in F.Y.2016-17. All Units of Nashik Holiday Home are in urgent need of repairs like Plastering, Painting, Repairs to Doors & Windows. The managing Committee is proposed to undertake extensive Renovation of NHH to attract more visitors and also exploring avenues for expansion of NHH in future.

The Occupancy Rate of Nashik Holiday Home for last 5 years are as under:-

YEAR UNIT 1 UNIT 2 UNIT 4 UNIT 5 UNIT 6 UNIT 7 UNIT 8 TOTAL OCC RATE

2012-2013 29 72 61 166 154 122 95 699 27%

2013-2014 30 85 46 167 163 117 97 705 28%

2014-2015 14 63 28 138 91 86 43 463 18 %

2015-2016 51 106 61 160 117 142 98 735 29%

2016-2017 23 61 37 113 68 67 53 422 17%

KANARA SARASWAT MAGAZINE

KS magazine is rendering yeomen service by fulfilling the important objective of fostering Brotherhood and Cooperation amongst members of the community. There is a radical change in the get-up, layout and design of the magazine, and youngsters & children are encouraged to contribute articles.

The Magazine is being printed by SAP Print Solutions Pvt. Ltd . The total advertising revenue from KS Magazine has marginally reduced from Rs 16,93,669.00 in FY 2015-16 to Rs 16,92,561.00. However expenditure is substantially reduced from Rs 19,41,751.30 in FY 2015-16 to Rs 16,09,126.10 in FY 2016-17 resulting iin a surplus of Rs 1,83,589.90 as against deficit of Rs -154,701.30 in F.Y. 2015-16.

The reduced expenditure in Magazine Vertical is mainly due to implementing the suggestions made by Mr Jairam Khambadkone for reducing the Font Size in printing. This has resulted in reducing average number of pages from 77 per magazine in FY 2015-16 to 66 per magazine in FY 2016-17, without compromising on quality of Articles and the content. In addition to this, the Editorial Committee has strictly controlled printing of coloured pages on selective basis, which also has helped in bringing down the cost. The “Green Initiative” of KSA of requesting members to read soft copy on line, started from January 2017 onwards was not a big success. However, if this was accepted by more members in India and abroad, the savings would have been much more.

Many of our Members / Readers are in influential positions. We appeal to them to help in getting advertisements for KS magazine which reaches appr 4000 Members all over world and is very popular among Members.

The Managing Committee of KSA in consultation with Editorial Committee of KS Magazine has introduced Refundable


Deposit Scheme for our Members residing abroad so that interest earned on the Deposit will be used to Airmail Magazine to their doorstep without interruption. The Deposit will be returned once Membership ceases to exist We request all Members who are residing abroad to opt for Refundable deposit scheme by paying Rs 25000/- instead of paying Rs 2000/- every year. We have found that many Members residing abroad forget to pay yearly Airmail Charges resulting in discontinuation of posting of Magazine. We assure such Member that they can receive the magazine again by mailing their request with payment to [email protected] or [email protected] . We will provide you all information about your Membership.

HEALTH CENTRE

The KSA Health Centre continues to provide quality health care to Members of all communities particularly the poor, at very affordable rates. The Services of the Heath Center is subsidized by KSA.

The 3537 patients took the benefit of the services during F.Y 2016-17 as against 2634 patients in previous FY 2015-16. This indicate popularity of Health Center. Dr. Vasanti Balvalli, Dr. Sunil Vinekar provided medical consultations on a daily basis, whereas Dr. Gaurang S. Muzumdar (Dermatologist), Dr. Swati Puthli (Physiotherapist), Dr. Tejaswini Kulkarni (Homoeopathic Consultant), Dr. Pranav Chickermane (Paediatrician), Dr. Subodh Sirur (Dermatologist ), Dr Shweta Kallianpur- Naimpally (Opthalmologist) attend the clinic regularly on their scheduled days. Dr. Swati Puthli, runs the Physiotherapy Center at the Clinic by appointments. We regret that we lost Dr. Harish Kodial (Opthalmologist), Ex-President of KSA,on December 4th. Till a few weeks before passing away, he used to attend the clinic on his scheduled time.

The Swami Parijnanashram Pathology Laboratory was shifted to the garage of the Popular Ambulance Association in 2001 as the place was vacant. Subsequently the set-up of Swami Parijnanashram Pathology Laboratory was changed and it now offers as many as 300 investigations, along with comprehensive packages. The Health Centre activities were also moved there by making an arrangement with the Popular Ambulance Association. The ‘D’ Ward of Municipal Corporation of Greater Mumbai was kind enough to classify the premises as Health Center in Municipal Tax Bill of Popular Ambulance Association.

Though Ambulance services had to be discontinued due to various problems, the Popular Ambulance Association has continued to serve the community by giving Medical Aid to the needy from the interest gained on their Corpus.

To meet rising cost, charges had to be raised from January 2017 but they still remain lower than most Charitable Centers in the vicinity without compromising on quality of service. The total receipts from Health center is Rs 1,76,740.00 in FY 2016-17 as against total receipts of Rs Fees & Charges received during F.Y. 2015-16 is Rs 2,67,390.00. The Receipts from Doctor Consultancy charges increased from Rs 1,21,110/- to Rs 1,54,240/- but Pathology Receipts were substantially reduced from Rs 1,46,280/- to Rs 22500/- as we had to close services during illness of our Lab Techncian Mrs. V.R. Joshi who has served our Association for last many years. We are taking steps to increase revenue in current year. Our deficit from Health Canter increased from Rs 1,36,011/- to 1,67,092/- in FY 2016-17. We have increased charges from January 2017 and this will help us to nullify or reduce losses in FY 2017-18.

FCRA ACCOUNT

Status of Donations Received from Person of Indian Origin under Foreign Contribution (Regulation) Act 2010 and

Foreign Contribution (Regulation) Rules, 2011 & Utilization Amount during 1st April 2016 to 31st March 2017

The Kanara Saraswat Association has been permitted to receive Foreign Contribution under FCRA Act. 2010. The Registration Number is 083720152R and certificate has been renewed for the period of 5 years from 1.11.2016 to 31.10.2021.

Given below are details of Foreign Contribution and Amount Utilized & Invested in Bank Fixed Deposit Receipt from beginning i.e. 30.06.2011 to 31.03.2017

Amount Received Name of Donor Amount Spent -Rs

Remark

Date USD Rs


28.10.2011 $2500 122072.00 Saraswat Foundation USA

100000.00 Purchase of Eye Refractometer at the cost of Rs 1,22,072.00


-------------------

-----------


36000.00 Purchase of Tonometer on 10.12.13


21.06.2012 22072.00 Balance amount for Eye Refractometer

28.10.2011 16.00 Bank Charges09.04.2014 --- --- --- 16000.00 Purchase of ECG MachineSub-Total 427338.00 Saraswat Foundation

USA174088.00

17.03.2012 $ 1000 500838.00 Mr. Ashok Kulkarni 500838.00 Fixed Deposit Receipt2011-2012 893.00 SB Interest16.01.2013 NRE A/C 50000.00 Mrs. Rekha Vokketur 50,000.00 Fixed Deposit Receipt24.09.2013 NRE A/C 50000.00 Hemu Kalle 50,000.00 Fixed Deposit Receipt2012-13 & 2013-2014

17896.00 Int on Saving Bank

2012-20132013-2014

51332.0055238.00

Interest on FDRInterest on FDR

25.09.2013 100.00 Bank Charges12.11.2014 -- -- --- 35000.00 Educational Grant to One

beneficiary18.11.2014 -- -- -- 20000.00 Medical Aid to One Beneficiary05.12.2014 USD 500 30775.00 Vanita Ashok Balvalli2014-2015 56947.00 Int Recd on FDR ------- ---------2014-2015 14133.00 Int Recd on SB A/c ------------ -----------2014-2015 -- --- 482.00 Bank Charges10.04.2015 30775.00 Fixed Deposit Receipt27.10.2015 100000.00 Educational Grants3.11.2015 160.00 Bank Charges1.2.2016 Usd 2000 135160.00 Konkani Charitable Fund1.2.2016 356.0022.3.2016 198.0028.3.2016 79967.00 TDS2015-16 62829.00 Interest on FDRInt on SB 13660.0005.03.2015 USD 2000 124160.00 Konkani Charitable Fund USA 124160.00 Invested in FDR on 24.03.201531.03.2015 1591199.00 1166124.00 Rs.4,25,075.00 (Balance as on

31.03.2016as per Bank Pass Book)

2016-17 56548.00 Int on FDR


2016-17 8236.00 Int on SB2016-17 370715.00 Amount Spent on Health Center

for Repairs & Renovation, Electric Installation & Furniture for newly opened Physiotherapy Unit.

Balance as on 31.3.2017 in FCRA SB a/c with SVC Cooperative Bank

Rs 1,19,144.00 (Balance as on 31.03.2017 as per Bank Pass Book)

In previous year we had unutilized Balance of Rs 3,88,410.00 ( Rs 2,53,250.00 of Saraswat Foundation, U.S.A. & Rs 1,35,160.00 of Konkani Charitable Fund, Inc U.S.A.) which were non-corpus in nature. as mentioned in last year’s report, We had already started utilizing amount in FY 2016-17. We spent Rs 3,70,715.00 on upgrading the Health Center premises, carrying out extensive repairs to Roof , Plastering & Tiling of walls, Electric Installations making new Furniture & Bed for the newly opened Physiotherapy Unit etc. The unutilized Balance is Rs 17695.00 as on 31.3.2017.

We are regularly filing Annual Returns & Quarterly Returns on-line. We have renewed FCRA Certificate and now it is valid for the period of 5 years from 1.11.2016 to 31.10.2021.

MARRIAGE BUREAU

The Bureau gives opportunity/platform to marriageable youngsters of our community including those born to Chitrapur Saraswat females married into other communities, to find a suitable match. The Marriage Bureau operates daily from Monday to Saturday from 5.00 p.m. to 7.30 p.m. in the Conference Room of KSA Building in Talmakiwadi thanks to Ms. Geeta Kulkarni (daily), Mrs. Usha Surkund (Monday and Wednesday), and Mr. Dilip Sashital (Monday and Wednesday) They can be approached on their mobile nos. (Ms. Geeta Kulkarni – 9969552759, Mrs. Usha Surkund – 9969552764 & Mr Dilip Sashital - 9920132925 ) for any advice. We give below data of marriageable persons available with us.

BOYS

Age Year of Birth

No. of Boys

Undergraduate

Grad PostGrad

Engg Doctor Lawyer M.B.A. Widower Divorcee

42-46 1971-75 48 5 21 3 6 2 2 5 437-41 1976-80 72 10 28 10 13 1 5 532-36 1981-85 72 7 21 15 15 2 1 10 127-31 1986-90 51 18 15 10 824-26 1991-93 1 1TOTAL 235 23 86 36 40 7 2 30 11

GIRLS

Age Year of Birth

No.of Girls

Undergraduate

Grad PostGrad

Engg Doctor Lawyer M.B.A. Widow Divorcee

41-45 1971-75 63 3 28 7 1 7 4 1 2 1436-40 1976-80 86 1 33 20 13 8 2 2 431-35 1981-85 99 4 26 26 13 19 826-30 1986-90 96 2 25 31 13 13 3 11 124-25 1991-93 12 7 3 2 1TOTAL 356 10 119 83 42 47 7 14 4 20

We request Parents of marriageable children and also marriageable boys & girls to register themselves with us & take benefit of our Marriage Bureau.


KSA REFERENCE LIBRARY

The Reference Library is a unique project undertaken as part of the KSA Centenary Year. The main objective of the library is to preserve books for posterity such as 1. KS Magazines, Annual Reports and Souvenirs published by KSA since inception. 2. Scripts of Konkani Dramas and Souvenirs 3. Family Tree. 4. Books written by Chitrapur Saraswats in any Language. 5. Books written on Chitrapur Saraswats in any Language.

We have included books and 119 Konkani Dramas and 504 family trees in the Library. The work of indexing has been progressing satisfactorily. Recently KSA published” Autobiography of Late Shri D.A. Bijoor “ who was instrumental in getting employment for many youngsters during 1956-1971, & “Konkani Proverbs and Idioms” with English translation penned by Late Shri S.S. Talmaki and edited by Shri Raghunath Gokarn.

FAMILY TREE

The Family Tree Project is a part of the Reference Library. The objective of KSA’s Family Tree Project is best stated in the preface of the “Saraswat Families Part I by Rao Bahadur S.S. Talmaki”, About Shri Talmaki it says” As a part of this effort, he collected genealogical information about Chitrapur Saraswats and concluded that there were 504 families in our community.” This information was published in three parts in the book titled ‘Saraswat Families’.

Subsequent Volunteers have updated the Family Tree of many families and this information is stored as a soft copy. Members interested in updating their family tree may please contact Dr. Sudhir Moodbidri, Res No.-022-26518882 and mobile no. 9820369258, email id is - [email protected] or Mr. Raghunath Gokarn. Res No.-022-24305388 and his email id is – [email protected].

ChitarpurEbooks.com

Chitrapurebooks.com website is a creation of Mr. Jaishankar Bondal & Mr. Shantish Nayel from Delhi. The Website is dedicated to Chitrapur Saraswat Community by offering a spectrum of writings (ebooks, articles, commentaries) that are iconic in the collective memory of the Chitrapur Saraswat Community and forms a corpus of heritage thought. The purpose is to provoke and sustain reader interest over time and space, and refresh memories across communities and people.

Chitrapurebooks.com has reproduced in digital formats many old vintage books written by Chitrapur saraswats and on Chitrapur Saraswat Community. The Kanara saraswat Association has given blanket permission to them to reproduce any articled from our Magazine published from the year 1919. We are also giving them permission whenever they approach us to reproduce any of our publications.

We are quoting following para from their Website :-

Quote“ We do not tell stories, we let the stories speak for themselves. Over a hundred years ago, the ”Social Club” of our community in Bombay started a broadsheet - the ‘Kanara Saraswat Quarterly’ which soon became the ‘Kanara Saraswat’ Monthly ... and many eager opinions were expressed on paper. The ambit of ideas expanded from local to provincial to National. As education spread, so did the mobility of people, and of ideas. Women contributors of articles increased, as did the subjects on which people expressed opinions. We have dipped into this cornucopia of heritage thought to bring you the very best of these unique writings.

We operate the website on a strictly non profit, non commercial basis. Our aim, like that of KSA, is to disseminate knowledge about our heritage and history, both religious and secular, especially to the GEN-Now and those in the future, by putting these works in cyberspace, where (unlike physical books) they need no inventories, do not degrade and can be viewed at will using the latest communication technology : Computers, Tablets, Smartphones and a gamut of handheld devices. eBooks would be also be easy for the yuva (and their parents) outside India to access---as for many within our country.” Unquote

The website has published many articles from KSA Archives and also reproduced many rare books authored by community members. We appeal to all members of KSA to visit site regularly as there is frequent additions of books. We also salute efforts of Mr. Jaishankar Bondal & Shantish Nayel for their perseverance & self less work undertaken by them.


KSA WEBSITE

The KSA website http:/www.kanarasaraswat.in was inaugurated by Dr. Harish Kodial, the then President of Association on 15th August 2009. The main purpose of the Website is to become a repository of information about Chitrapur Saraswats in general and the KSA in particular. We have focused on activities of KS and tied up with other Chitrapur Saraswat Institutions in India and abroad for linking with their websites and sharing information. KS magazines are uploaded on Website regularly. We thank our WEB Provider Shri Shuklendu Baji and Nitin Ruge of Sentient Systems Pvt Ltd. for their efforts in launching the Website successfully.

KSA CENTENARY CENSUS 2011

The final Census Report & Directory consisting of 5000+ households was released at the August Hands of H.H. Shrimat Sadyojat Shankarashram Swamiji on Gurupurnima, 19th July 2016. Dr. (Mrs) Sudha Deshpande (nee Gangolli) eminent demographer & her husband Prof Lalit Deshpande, eminent economist shouldered the responsibilities of publishing the final Report.

We are grateful to the following Donors for their Donations towards the KSA Centenary Census 2011 project.

Shri Durgesh Chandavarkar Rs. 1,50,000.00Entod Pharmaceuticals Rs. 1,50,000.00Shri Praveen Kadle Rs. 1,50,000.00Shri Anil Bhatkal Rs. 1,50,000.00Shri Vinod Yennemadi Rs. 1,50,000.00The SVC Cooperative Bank Ltd Rs. 1,50,000.00Total Rs. 9,00,000.00

The sale proceeds of Census Directory was Rs 18150. The total expenses incurred on the Census Publication was Rs 7,46,899.50. The surplus amount of Rs 1,71,250.50 has been credited to Income & Expenditure account.

CHARITY COMMISSIONER

We have been filing Financials Reports along with Audited Report & Change Reports with the Charity Commissioner regularly. We are also filing Budget to Charity Commissioner regularly before end of February.

Talmakiwadi Co-operative Housing Society Ltd. (TCHS)

The Kanara Saraswat Association (KSA) purchased two adjacent plot no. 11 and plot no. 13 in the then Dubhashwadi (now Talmakiwadi), from The Saraswat CHS Ltd, Gamdevi in the year 1939. Simultaneously Talmakiwadi CHS Ltd TCHS) also purchased other plots from same Society. The Association Building stood on plot no. 13 and plot no. 11 is an open plot. Late Shri S.S. Talmaki played a major role in giving birth to both Institutions which incidentally belong to Members of Chitrapur Saraswat Brahmin Community.

The KSA has a cordial relationship with TCHS.The following arrangements have been approved by both Institutions:-

1) KSA to bear 1/10th of the Security Bill of TCHS. Accordingly Rs. 1,09,871.80 has been paid for the F. Y. 2016-2017 as against Rs 90,561.60 paid for previous FY 2015-16.

2) KSA to pay one Full Day Rent applicable to Non Members as Annual compensation to TCHS (The Full Day Rent of Rs 24,000/- has been paid to TCHS).

3) KSA to share parking charges equally when hirer books KSA Hall. (Rs 71000.00 has been paid to TCHS for the bookings in the F.Y. 2016-2017).

4) KSA to pay Rs 100/- per full day booking and Rs 50/- for half day booking as a Compensation when Hall is booked by the Hirer. Rs 4800.00 has been paid to TCHS.

5) TCHS to pay 50% from Casual Parking of cars on D.N. Sirur Square. Rs 13350.00 has been received during FY 2016-17 from TCHS.

6) We are recovering Rs 10 p.m. from 6 Tenants for use of Garden of TCHS and amount of Rs 720/- has been paid to TCHS.


Givien below is a summary of amount paid by KSA to TCHS during F.Y. 2016-2017

Share of Sirur Square : Rs. 71000.00

One day Annual Compensation: Rs. 24000.00

Compensation for Hall booking Rs. 4800.00

Garden Maintenance Rs. 720.00 ____________

Rs. 1,00,520.00

10 % Security Services Rs. 109871.80 _____________

Total Rs. 2,10,391.80

SOCIAL, CULTURAL AND OTHER EVENTS ORGANISED DURING THE YEAR :-

03.04.2016 : Senior Citizens Get-together – Chief Guest Smt. Muktabai Chandavarkar

Dance by Smt. Sheela Shirali, Music programme by Jayant Hattangadi, Deepak Hemmady, Manohar Dhareshwar, Dilip Kumar Rao, Magic by Dr. Prakash Mavinkurve, Western Dance Session by Anoop Surkund.

13.04.2016 * 14.04.2016 –FUND RAISING HINDUSTANI CLASSICAL MUSIC EVENT AT NEHRU CENTRE

KSA in collaboration with Rithwik Foundation and with the support of several noteworthy sponsors from the corporate sector presented a two days’ programme on Hindustani Music at the Nehru Centre on the 13th and 14th of April 2016. This two day concert featured a mix of well-known young and senior artists and accompanists of International repute – On DAY -1- 13.04.2016 Bansuri by Pt. Pravin Godkhindi accompanied by Pandit Satyajit Talwalkar on Tabla. and Vocal Recital by Pandit Jayateerth Mevundi accompaniment by Pt. Omkar Gulvady on the tabla and Pt. Sudhir Nayak on the harmonium. On DAY – 2 - 14.04.2016 Sitar Recital by Pt. Niladri Kumar with Pt. Vijay Ghate provided tabla accompaniment and Vocal Recital by Padmashri Pt. Ulhas Kashalkar with Taalyogi Pt. Suresh Talwalkar on the tabla and Pt. Sudhir Nayak on the harmonium. Shri Shashi Vyas anchored the festival eloquently with interesting inputs and anecdotes about the artists. KSA earned an surplus of Rs. 15.54 Lakhs from this Hindustani Classical Music Event.

19.07.2016 : Release of Census Report and Directory at the August Hands of HH Shrimat Sadyojat Shankarashram Swamiji at Shirali

15.08.2016 : Independence Day- Flag Hoisting & Naming of Rooms in Hall

22.10.2016 – Saraswat Students Convocation to felicitate Successful Saraswat Students

“At Home” by Smt. Geeta Yennemadi, Vice President

Dr. Aruna Narayanan (nee Udyavar) was the Chief Guest

Annual Diwali Socials:

Friday, 28th October 2016

Story Telling Competition (children below 8 yrs, between 8-12 yrs and 12-16 yrs)

Music competition (below 16 year and above 16 years)

Saturday 29th October 2016

Variety Entertainment programme by Saraswat Club, Santacruz

Sunday 30th October 2016

1 Sports for Children

Variety Entertainment – Vocal by Dhruv Dhareshwar, Instrumental – Harmonica by Anil Kudva & Dilip Kumar Rao


Monday 31st October 2016

Fancy Dress Competition

26th November 2016: Foundation Day of Kanara Saraswat Association

1. Honouring of Late Shri Suresh Shankar Chandavarkar (Posthumously) - Eminent Table Tennis Player, for Selfless Service to KSA,

2. Shri V.C.S. Rao (Posthumous)- Selfless Service to community,

3. Shri Raghunath Nagesh Gokarn- Editor and writer, Dedicated Volunteer of the KSA Family Tree Project.

4. Dr. Sudhir Moodbidri- Dedicated Volunteer and tireless campaigner for Saraswat Family Tree,

5. Cdr. Shrirang Nagesh Bijur (Retd)- working with NGOs dedicated to Welfare and rehabilitation of Persons with intellectual and Development disability and destitute girl children.

9th January 2017- Health Lecture Series

Audio-Visual Presentation & Lecture by Dr. Swati Puthli on “The When, Why and How of Physiotherapy

1. Building Repairs:

Building Repairs were carried out to the entire structure after long period as there were genuine demands from many tenants. This includes structural repairs of columns and beams, water proofing of Chajjas, civil repairs like plastering of walls wherever they were weak, plumbing, other minor repairs based on needs & Painting of Association Building. The work is going on and will be completed by end of August 2017.

2. Connected Load for Commercial Consumption :

We have increased the connected load of KSA’s Commercial Consumption from 35.00 KW to 53.00 KW. This will help us in reducing the high charges towards “Demand Charges” and reducing “Penalty for increasing Maximum Demand Charges”. Though the spade work for this was initiated before 31.03.2017, the actual benefit will be available to KSA only during the year 2017-2018. This should help us in saving approximately Rs. 40,000.00 in a year.

3. Naad Ninaad :-

It was Mr. N. Jayavanth Rao email to our President Mr. Praveen Kadle which started ball rolling for staging of very popular show ‘ Naad Ninaad’ ( Konkani adaptation of all time hit English Musical Film Sound of Music) produced by Canara Union, Bangalore, very prominent old institution of Amchi’s. Mr. Sunil Ullal, Secretary, Social of KSA held first meeting in February 2017 with Committee Members of KSA in presence of our President Mr. Praveen Kadle and Vice President Mrs. Geeta Yennemadi, Prof Sadhana Kamat of Saraswat Mahila Samaj, It was decided to invite Naad Ninaad troupe to Mumbai for staging two shows on 13th May & 14th May under joint auspices of KSA & Saraswat Mahila Samaj, Gamdevi. As expected both shows were full and response of audience was excellent. The acting of Children was superb & beyond imagination. We are grateful to Shashank Sanade, Gautam Ubhaykar, and Uday Bhatkal for their efforts to make the show a success.

Acknowledgements

The Kanara Saraswat Association has gone through several developmental phases in the past few decades and has now emerged as a major institution of Chitrapur Saraswats. Innumerable individuals and institutions have contributed towards the successful working of institution.

We express our gratitude to H.H. Shrimat Sadyojat Shankarashram Swamiji, for his blessings and guidance from time to time.

We thank the Editorial Committee Shri Gurunath Gokarn, Smt. Smita Mavinkurve, Shri Uday Mankikar, Ms. Shruti Gokarn, Smt. Sujata Masurkar, Shri Atul Joshi for graphic works, M/s SAP Prints Solutions Pvt. Ltd., for printing of Magazine and maintaining the time schedule and M/s Golden Publicity. Among the institutions we thank The Talmakiwadi CHS Ltd, The Shamrao Vithal Co-op Bank Ltd, The Popular Ambulance Association, The Popular Co-op. Buying Club, Saraswati Volunteer & Athletic League, Saraswat Mahila Samaj, Gamdevi, All Chitrapur Saraswat Youths Trust, and Balak Vrinda Education Society, the Advertisers, The Donors, and Hon. Correspondents of KS Magazine.


Smt. Ravikala Koppikar, Caretaker Nashik Holiday Home, M/s Central Excelleancy, our Monopoly Caterers, M/s. Arpita Decorators, Mrs. Meera Wagle of Lily Caterers, Shri Vinay Gangavali of Guruprasad Caterers, Shri Jaipal Mallapur of Annapurna Caterers, Mrs Rohini Mallapur of Suruchi Caterers. Sub-Committee of Reference Library Smt. Rekha Pandit, Ms. Geeta Kulkarni, Family Tree Volunteers Dr. Sudhir Moodbidri and Shri Raghunath Gokarn.

Mr. Deepak Azgaonkar of Devyani for excellent sound system provided for all social programmes Mr. Umesh Shigwan and Ms. Kanika Nadkarni for photography. We thank Smt. Usha Surkund for conducting Marriage Bureau. We thank M/S. Saraf Gurkar & Associates our previous Statutory Auditor for giving valuable advise from time to time. M/S Saraf Gurkar & Associates were our Statutory Auditor for last 35 years. Both Mr. Subhash Saraf & Uday Gurkar had given valuable advise to KSA from time to time. The both partners decided to part ways mutually. The KSA and particularly Members of M.C. of KSA who have associated with them for a long time, will miss them. Similarly Shri Hattangadi Premanand Bhat Internal Auditor resigned in the month of October 2016 due to ill health. Mr Bhat served our institution for a very long time. We wish him good health & happiness. Mr Vandan Shiroor did audit from October 2016 to December 2016 before he was co-opted in Managing Committee of KSA in the month of January 2017. Now Mr. Aneesh Hosangadi is our internal Auditor from January 2017. We are thankful to both Internal Auditors. We are thankful to our new Statutory Auditor Kiron Mallapur of SCA & Associates.

We also thank Shri Dilip Burde for allowing us to keep our old records in his house during renovation of our Hall & afterwards. We appreciate the hard work put in by the staff Members & thank Smt Shobhana Dilip Rao, Smt. Swati Sharad Nadkarni, Smt. Vaidehi Joshi (Pathologist),Smt Usha Kavathkar & Shri Ram Padarath Jha. Our thanks are also due to the doctors and others attending the Health Centre.

Shivshankar D, Murdeshwar Rajaram D. Pandit

Hon Secretary Chairman

Place: MumbaiDate : 19th August, 2017

DETAILS OF REGISTRATION NUMBERS

THE KANARA SARASWAT ASSOCIATION1) Certificate of Registration of Societies Registration No. 736 of 1934-35 (Act XXI of 1860)

2) Certificate of Registration under Public Trust Act, 1950 (Bom XXI of 1950) F 41 (B) dated 10.04.1953

3) Permanent Account Number (PAN) : AAATT0071E

4) Tax Deduction and Collection Account Number (TAN) : MUMT11392D

5) Office of the Director of Income Tax(Exems) Registration u/s 12A of the Registration No. IMS/1326 dated03.02.1976Income Tax Act, 1961

6) Tax Identification Number (TIN) for Professional Tax :- 99160153484P

7) Office of the Registrar of Newspapersfor India (Ministry of Information & Registration No 61765/95 dated 06.07.1995 Broadcasting)

8) Exemption Under Section 80 G of Income Tax:- 80 G Certificate No /DIT(E)/ITO(TECH)/80G/498/2010-2011 is Valid till it is rescinded by Income tax Authority

9) FCRA Registration No : 083720152R and renewed Certificate valid for the period of 5 years from 1.11.2016 to 31.10.2021.

10) Insurance details:


Insurance for Pathological Laboratory

Standard Fire and Special Perils Policy No OG-17-1901-4001-00001547

Insurance Policy: - valid till 27-08-2017

Issued by Bajaj Allianz General Insurance Co. Ltd.

- Insured Sum on Plant Machinery & Accessories Rs. 8,94,450.00

Premium paid Rs. 945.00

Association Building & Nashik Holiday Home: Insurance Details

Standard Fire and Special Perils Policy No OG-17-1901-4001-00001548

Insurance Policy: - valid till 29-07-2017

Issued by Bajaj Allianz General Insurance Co. Ltd.

- Insured Sum on Building & Superstructure at Talmakiwadi & Nashik: Rs.1,23,80,000.00

- Insured Sum on Plant Machinery & Accessories Rs. 3,00,000.00

- Insured Sum Furniture & Fixtures Rs. 6,00,000.00 _____________________

Total Rs 1,32,80,000.00

Premium Amount Paid Rs. 9,776.00

Burglary Insurance Policy Policy No OG-17-1901-4010-00000520

Valid till 27-08-2017

Insured Sum on Plant Machinery & Accessories : Rs. 8,94,450.00 (Assn Building)

Rs. 3,88,446.00 (Path Lab)

Premium Paid Rs. 1,033.00

12) Registration Number under Foreign : Registration No. 083720152 dated 30/6/2011 under Foreign Contribution & Regulation Act [FCRA] 2010 valid for 5 years upto 30/06/2016. Applied for Renewal of registration on-line on 14th March 2016 & also filed newly introduced quarterly FCRA Returns within stipulated dates.

THE PROPERTY DETAILS OF KANARA SARASWAT ASSOCIATION (KSA)I :-IN TALMAKIWADI C.H.S. LTD (TCHS)

LOCATION AREA STRUCTURE LAND COST SOURCE1 Plot no 11

Cadastral SurveyNo 1A/312 inTalmakiwadiTardeo Division

415.67 sq.yards355.35 sq. mtrs

Open to sky except for TemporaryStructure like pendals for common use of Vendor or Purchaser as per their agreed termsAnd No Compound wall to be erected around plot no. 11

Rs. 5692.27Conveyance Deed dated 4th April 1955 between The Saraswat Coop. Hsg. Society and The Kanara Saraswat Association Registered under Sr. No. 4457/55 of Book No. 1 dated 24th June 1957 with Sub-Registrar, Bombay.


2 Plot No 11Cadastral SurveyNo. 1A/312In TalmakiwadiTardeo Division

5.16 sq. yards4.31 sq.mtrs

Area used forKSA Building

Rs. 515.47 Conveyance Deed dated 4th April1955 between The SaraswatCoop Hsg. Society and TheKanara Saraswat AssociationRegistered under Sr. No. 4457/55of Book No 1 dated 24th June 1957 with Sub-Registrar, Bombay.

3 Plot no. 13Cadastral SurveyNo 1A/312In TalmakiwadiTardeo Division

516 sq.yards431.45Sq. mtrs

KSA building withGround andMezzanine Floor +3 Storeys (TwoTenants on eachFloor) The heightOf the buildingShould not beMore than 54 ft.

Rs. 11868.00Conveyance Deed dated 4th April1955 between The SaraswatCoop Hsg. Society and TheKanara Saraswat AssociationRegistered under Sr. No. 4457/55of Book No. 1 dated 24th June 1957 with Sub-Registrar, Bombay.

The Kanara Saraswat Association had decided to renovate Ground Floor hall (Shrimat Anandashram Hall) and Mezzanine Floor in the year 1974 by shifting existing staircase to un-built open land of Plot no. 11 known as D.N. Sirur Square and further to build an additional staircase also on the same un-built land on plot no. 11. The Kanara Saraswat then entered into an Agreement on 18-05-1974 with The Talmakiwadi CHS Ltd., which is the successor society of Original Vendor The Saraswat CHS Ltd, Gamdevi, for shifting staircase to portion of Land on Plot no. 11 admeasuring about 10 sq. yards on following conditions:-

1) KSA to pay compensation of Rs. 300/- p.a. in the month of January every year From June 1974 (Increased to Rs. 24000/- being one day rent charged to Non Member for Shrimat Anandashram Hall from 2011)

2) KSA shall collect from each party booking of Anandashram Hall a sum of Rs. 10/- and pay to The Talmakiwadi CHS Ltd (presently increased to Rs. 100/- for each for full day booking and Rs. 50/- for half day booking)

3) In addition we are paying Rs. 1000/- per Ground Hall Booking (When Pendal is not erected) as a share of Parking Charges of D.N. Sirur Square to TCHS

II - PROPERTY DETAILS OF LAND AT NASHIK HOLIDAY HOME

1) Plot No. Survey No. 659/6, Plot 41 & 42.

New Pandit Colony, T.P. Scheme, Nashik No II,

Sharanpur Road, NASHIK 402 002

2) Conveyance Deed Registered on 13th January 1965 under Serial No.

NSK 52/1965 of Bk No. 1 with Sub-Registrar- Nashik

3) Area of Plot No. 41 & 42 7647.50 sq.ft + 7647.50 sq. ft = 15295.00 sq.ft

III – PROPERTY DETAILS OF LAND AT BHANDARDHARA

1) Plot Details Plot No. 41, Survey No. 169, Village Murshet, Bhandardara Hills

Taluka Akole, Dist: Ahmednagar

2) Details Of Deed Allotment letter Resha / 274 / 1999 dated 08/03/1999

Issued by PWD

3) Area of Plot 27000 sq. ft.


With Best ComplimentsFrom

Precomp Tools Pvt. Ltd.Precomp Gears Pvt. Ltd.

Metform Vacutreat (I) Pvt. Ltd.

Plot No. 108 D, At Post Ranje;Kondhanpur Road, Tal - Bhor,

Dist.: Pune - 412205.Telephone: (02113) 305600, 305701

Fax: (02113) 305610Mob: 9922937301/02

Email: [email protected]


Ganesh V Nadkarni Ansuya G Nadkarni (26-08-1917 to 08-06-1986) (02-07-1925 to 11-09-1979) We the Children of our beloved ANNA along with the entire NADKARNI family would like to express our deepest Gratitude and Thanks for the wonderful life You provided us along with our Dear AMMA on the auspicious occasion of Your 100th Birthday which falls on the 26th of August.

We still possessively cherish the many happy moments of togetherness we spent with each other even today and will get inspired by those sweet memories throughout our lives’.

May LORD BHAVANISHANKAR and Our GURUPARAMPARA shower their Blessings on YOU forever

FONDLY REMEMBERED BY

Son/Daughter in law Late Vinod & Aruna V Nadkarni,Daughter / Son in law Vanita & Ashok Balwalli, Vandana & Shirish BaindurGrand Children Mrunal Nadkarni / Kushal & Archana Nadkarni, Shruti (nee Balwalli) & Shashank Udyavar Mihir BaindurGreat Grand Children Aadit & Divya Nadkarni

Brothers & Sisters in law Sadanand & Late Krishna / Mohan & Madhuri / Raghuvir & Sita & Families.Late Murlidhar & Durga (Duggi) / Late Suresh & Shaila & Families.Late Madhukar & Late Rama / Late Nandan & Late Shalini & Families.Sisters & Brothers in law Shalini (Babyakka) & Girish Kodkani & Family.Late Vatsala & Late Amritrao Saukur / Late Leela & Late Narahari Nalkur, Family.Also Remembered by Nadkarnis, Murdeshwars, Balwallis, Baindurs, Haldipurs, Gokarns and others.


To Pappa - Ramdas Mahabaleshwar NadkarnyAs we celebrate your hundredth birthday, we take a step back in time to try to remember the milestones

in your life. Born on 18th September, 1917 in Bhatkal, you had an absolutely pampered life for about 14 years as you were the only son amongst five children. I say pampered because of your childhood exploits narrated to us by “Hodi Akka,” your aunt.

In Ankola, you would often visit your neighbor Pundalik Mahale (a great artist) to watch him make Ganpati idols. Sensing the wishful longing in your eyes, Pundlikmaam decided to spring a surprise. One Ganesh Chaturthi, at dawn, he quietly deposited a small Ganpati idol on your doorstep and burst crackers to wake you all up. The family elders were of the opinion that the puja should be done on the doorstep itself and that the idol should be immersed that very day. But you threw such a tantrum that the idol was brought into the house with due fervour. Thus, the tradition of celebrating Ganesh Chaturthi in the Nadkarny family started and continues to this day.

At the age of 8, you were sent to stay with relatives in Karwar as there were no English-medium schools in Ankola. You cried bitterly and eagerly awaited your vacations when you could go home. Ajja sent a postman to bring you home. But due to some unforeseen circumstances, you missed the connecting bus to Ankola and were forced to spend the night at the bus stand.

Some time after midnight, you woke up, and seeing your companion fast asleep, you decided to head out on your own. You walked the whole distance through wooded areas and reached your house in the wee hours. When your worried parents asked as to how you managed to walk home all alone in the dead of the night, you nonchalantly answered that it wasn’t night at all as it was very bright. Apparently it was a full moon night.

After passing your matriculation exam in 1936, you came to Bombay and enrolled for Arts in Wilson College. You graduated in 1940 with Economics as your special subject and kept terms for M.A. But you had to give up midway as Ajja passed away and you felt duty bound to take up the family’s responsibility.

You joined the Accountant General’s office as a junior auditor. After a year, you joined the Central Bank of India for better prospects. Here you worked for about 6 years and rose to the position of Officer. While in service at this bank, you did your diploma in Accounting and Secretarial Practice from Sydenham College, the Associate Exam of the Indian Institute of Bankers and the CAIIB exams. In March 1949, you joined Reserve Bank of India, from where you retired as the deputy chief officer in 1975.

During your tenure, you were transferred to quite a few places.When in Madras, you would be away touring 15-20 days in a month. But when you were home, you

would take us for movies, the zoo, the seashore, etc. During our vacations, we also got to travel with you and in the process saw most of South India.

You instilled in us the value of education and encouraged us to go for professional courses. I remember Pappa how elated you were when Uday got admission to study Medicine as it was a long cherished dream of yours that at least one of us should take up this noble profession. When I wanted to take up a job after my BSc, you motivated me to do my Masters inspite of family dissent.

Pappa you were very fond of Indian classical music, be it vocal or instrumental, and would attend concerts whenever you had the time. In fact, you purchased a bulbul tarang and tried to teach us to play Hindi film songs on it, but to no avail. Always you ended up playing it yourself. You were good at playing the harmonium also, but we never got to hear much because of your busy schedule.

You were liberal minded and always went by the letter even if it meant being alienated from friends and family. I remember how you stood firmly behind your young widowed sister when she wanted to remarry. This at a time (early 1950s) when there was stiff opposition in the family and widow remarriage was still frowned upon by society.

You were so meticulous about all your things. Sometime back, when clearing out an old trunk, I came across two envelopes neatly labelled. They contained your degree and diploma certificates and testimonials by esteemed people like S.K. Patil, Rao Bahadur D.V. Nadkarni, H. Shankar Rao, etc.

Pappa, if we have managed to inculcate even a small percentage of your attributes in our children, then the credit goes to you.


Celebrating your centenary:

Aruna Naimpalli (daughter) Uday Nadkarny (son)

Sadanand Naimpalli Kanchan Nadkarny

Children: Children:

Sameer Naimpalli Nikhil Nadkarny

Swati Naimpalli Neeta Nadkarny

Shwetambara Naimpalli Jon Morris

Grandchild: Grandchild:

Swaraa Naimpalli Soraya Morris

To Pappa - Ramdas Mahabaleshwar Nadkarny


12th September 1932 to 12th August 2017

Though we can’t see you,You live in us today,

Guiding us to be honestAnd work hard every day.

To make our country proud,And in adversity be calm,

We miss your jokes, ready wit and laugh,We miss you all the time.

Deeply mourned by

Wife – Malati (Malu)

Children : Nitish – Suchitra (Suchu) Kati, Smita – Prakash MavinkurveGrand children : Naishad, Sanjna, Aditya, Kedar, Ipshita, Ketaki

Relatives and Friends

Suresh Laxmanrau Kati

Nilawars, Masurkars, Mankikars, Kodikals, Mudurs, Shiralis, Koppikars Family & Friends


Mrs Lila D Nilawar21.11.1920 to 16.08.2017

May the endless love for your family, your everlasting smile right till the end and your zeal for life inspire the loved ones you have left behind.

Rest in Peace.

Deeply mourned by:

Suresh Nirmala Poulomi Shoma Chirag Rahul Bron

Gia Veer and Dylan

Rita KishoreNikhil Anjula Namita

Aanya Anaaya

Nilawars, Masurkars, Mankikars, Kodikals, Mudurs, Shiralis, Koppikars Family & Friends


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On his 68th Birthday, 14th September,remembering my husband,

Shri. Arvind Krishnamurthy Nadkarni

Arvind wrote ‘Ek Nayee Disha’ in 1996, during one of his “The Art of Talkamatics” workshops. A participant asked him, “what is the purpose of changing our posture, smile, style of presentation, etc? We are fine; doing what we have, all these years. Why is it so important that we bring about a change in ourselves now?”

The question compelled him to think not only about the participant’s query but also, the purpose of his own Learning & Development company ‘The Silent Message’. Arvind wrote this poem overnight and it has been the philosophy of all his workshops; even his way of life.

As a tribute to his legacy, I’d like to share the poem and I hope that anyone who reads it, will share his vision too.

– Rama Nadkarni


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On his 68th Birthday, 14th September,remembering my husband,

Shri. Arvind Krishnamurthy Nadkarni

Arvind wrote ‘Ek Nayee Disha’ in 1996, during one of his “The Art of Talkamatics” workshops. A participant asked him, “what is the purpose of changing our posture, smile, style of presentation, etc? We are fine; doing what we have, all these years. Why is it so important that we bring about a change in ourselves now?”

The question compelled him to think not only about the participant’s query but also, the purpose of his own Learning & Development company ‘The Silent Message’. Arvind wrote this poem overnight and it has been the philosophy of all his workshops; even his way of life.

As a tribute to his legacy, I’d like to share the poem and I hope that anyone who reads it, will share his vision too.

– Rama Nadkarni

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ther

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heet

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ank

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n Cu

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ith M

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--

SCH

EDU

LE V

III

[Vid

e Ru

le 1

7(1)

]N

ame

of t

he P

ublic

Tru

st:

Kana

ra S

aras

wat

Ass

ocia

tion

Bala

nce

Shee

t as

at

31st

Mar

ch, 2

017

SCH

EDU

LE I

X[V

ide

Rule

17(

1)]

Nam

e of

the

Pub

lic T

rust

: Ka

nara

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at A

ssoc

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lanc

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as a

t 3

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arch

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com

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ture

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ount

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the

yea

r en

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arch

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7


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at

31

.3.2

01

6`

FUN

DS

& L

IAB

ILIT

IES

Sche

dule

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at

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7

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--

Yea

r en

ded

31

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01

6`

EXP

END

ITU

RE

Sche

dule

Yea

r en

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31

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7`

Yea

r en

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31

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01

6`

INC

OM

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1.3

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resp

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the

head

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nter

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mou

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llane

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from

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cit c

arrie

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er to

the

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nce

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tTo

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ount

s tr

ansf

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erve

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endi

ture

on

obje

cts

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ligio

us

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atio

nal

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edic

al R

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) O

ther

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ritab

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bjec

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0

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urpl

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rried

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r to

the

Balan

ce S

heet

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9.12

TOTA

L47

,10,

653.

1940

,65,

719.

12TO

TAL

47,1

0,65

3.19

SCH

EDU

LE I

X[V

ide

Rule

17(

1)]

Nam

e of

the

Pub

lic T

rust

: Ka

nara

Sar

asw

at A

ssoc

iatio

nBa

lanc

e Sh

eet

as a

t 3

1st M

arch

, 201

7In

com

e &

Exp

endi

ture

Acc

ount

for

the

yea

r en

ded

31st M

arch

, 201

7


KA

NA

RA

SA

RA

SWA

T A

SSO

CIA

TIO

NSC

HED

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S FO

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ING

PAR

T O

F TH

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LAN

CE S

HEE

T AS

AT

31st

MAR

CH, 2

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SCH

EDU

LE 1

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S FU

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D O

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MAR

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OF

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FUN

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ribut

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ng t

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557.

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T AS

AT

31st

MAR

CH, 2

017

SCH

EDU

LE 3

- I

MM

OVE

ABLE

PRO

PERT

IES


Bal

ance

as

on

3

1.3

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15

`

Cont

ribu

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s re

ceiv

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the

year `

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KANARA SARASWAT ASSOCIATION

SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31st ARCH, 2017

SCHEDULE 2 A - LIABILITIES FOR EXPENSES

AS AT 31.3.2016 PARTICULARS

AS AT 31.3.2017 Rupees Rupees

163,901.00

34,550.009,800.00

Bills payable at TalmakiwadiBills payable at NashikTDS on Professional Charges

71,588.0013,626.00

-

208,251.00 Total Rs. 85,214.00

SCHEDULE 2 B - LIABILITIES FOR ADVANCES

AS AT 31.3.2016 PARTICULARS AS AT 31.3.2017 Rupees Rupees

137,290.00 Hall Hire amount received in advance 144,660.00

- Tenants Advance received 25,270.62 12,000.00 Rent ( NHH ) amount received in advance 1,800.00 41,000.00 Advertisement received in advance 2,700.00 232,333.00 Advance Contract Advertisements 191,917.00 55,925.00 Advance Classified Advertisements 88,550.00

478,548.00 Total Rs. 454,897.62

SCHEDULE 2 C - LIABILITIES FOR RENT & OTHER DEPOSITS

AS AT 31.3.2016 PARTICULARS AS AT 31.3.2017 Rupees Rupees

9,694.00

21,000.00350.00

500,000.00 150,000.00 150,000.00 255,604.00

10,000.00 - -

NHH DepositTenant DepositParijnanashraya DepositCentral Excellency DepositGuruprasad Caterers DepositsLily Caterers DepositsAir Mail DepositsDeposit from Ravikala KoppikarEMD received Retention Money

- 21,000.00 - 500,000.00 150,000.00 150,000.00 333,012.00 10,000.00 25,000.00 25,000.00

1,096,648.00 Total Rs. 1,214,012.00


SCHEDULE 2 D - LIABILITIES FOR SUNDRY CREDIT BALANCES AS AT 31.3.2016 PARTICULARS AS AT 31.3.2017

Rupees Rupees

317,885.00264,000.00158,000.00

96,000.0038,000.00

101,066.00

750,000.0048,662.00

823,500.00

Undisbursed Funds1) Emergency Medical Fund :2) Scholarship Fund3) Distress Relief Fund4) Medical Relief Fund5) Aid to BPL Family6) Community Chest Fund Census 2011 Project DonationsProjector DonationKSA Hindustani Classical Music EventNaad Ninaad Receipts (net of expenses of Rs 1,92,067.84)

290,000.00225,000.00140,000.00125,000.00

38,000.00101,066.00

- - -

205,132.16

2,597,113.00 Total Rs. 1,124,198.16

SCHEDULE 4 - INVESTMENTS AS AT 31.3.2016 PARTICULARS AS AT 31.3.2017

Rupees Rupees 20.00 20.00 2,500.00

1 Share of Talmakiwadi Housing Society Ltd.1 Share of Sarawat Housing Society Ltd.100 Shares of SVC Bank Ltd.

20.0020.00

2,500.00

2,540.00 Total Rs. 2,540.00

SCHEDULE 5 - EDUCATIONAL LOAN SCHOLARSHIPS GIVEN AS AT 31.3.2016

PARTICULARS AS AT 31.3.2017

Rupees Rupees 2,415,930.00 1,133,000.00

Opening BalanceAdd: Granted during the year

3,388,930.00 1,281,000.00

3,548,930.00 160,000.00 Less: Repaid by Students

Closing Balance

4,669,930.00 307,250.00

3,388,930.00 4,362,680.00

SCHEDULE 6 - ADVANCES - OTHERS - DEPOSITS & PREPAID EXPENSES AS AT 31.3.2016


Rupees Rupees

44,906.50

Deposits with Govenrment Departments & OthersSecurity Deposit with BEST

93,906.50


2,910.00 4,500.00 2,200.00 15,000.00 1,350.00 5,500.00 8,000.00 5,000.00 6,000.00 95,366.50

Security Deposit with MSEB (Nashik)Security Deposit with MTNL, Mumbai TelephonesSecurity Deposit with Nashik TelephoneSecurity Deposits with Postal Dept.Nashik Gas DepositDeposit with Bhatia HospitalDeposit with Ambika Tdg. Co. for Leasing A.C. MachinesDeposit with Pandit Dinanath SabhagrihDeposit with Mahanagar Gas Ltd. Prepaid ExpensesPrepaid Rates & Taxes (NHH)Prepaid InsurancePrepaid Computer ExpensesPrepaid Building Repairs & Maintenance Prepaid Air Conditioner MaintenancePrepaid Fax Machine MaintenancePrepaid Pest Control Charges Prepaid Website Development ChargesPrepaid Magazine ExpensesPrepaid Garden Maintenance Census 2011 ProjectNasik Redevelopment ProjectIncome tax Refund DueKSA Hindustani Classical Music AdvanceKSA Structural Repairs

2,910.00 4,500.00 2,200.00 15,000.00 1,350.00 - - - 6,000.00

125,866.50 3,213.00 3,835.00 330.00 596.00 5,965.00 15,597.00 20,000.00 500.00

- 3,986.00 3,750.00 1,500.00 14,400.00 596.00 5,520.00 35,428.00 25,000.00 90,180.00 501,555.50 1,183,580.00 495,606.00 150,513.00

50,036.00 - 725,994.00 - 51,750.00

2,516,801.00 Total Rs. 953,646.50

SCHEDULE 7 - INCOME OUTSTANDING - RENT & OTHERS

AS AT 31.3.2016 PARTICULARS

AS AT 31.3.2017 Rupees Rupees

27,400.00 9,000.00

For RentSundry Debtors-Hall Booking AmountSundry Debtors-Rent (NHH) For OthersSundry Debtors-AdvertisementSundry Debtors-Retention Money

3,590.00 6,050.00

36,400.00 531,431.00 93,067.00

9,640.00 255,450.00

624,498.00

255,450.00

660,898.00 Total Rs. 265,090.00


SCHEDULE 8 - CASH BALANCES AS AT 31.3.2016


Rupees Rupees

7,500.85

Cash on Hand at Talmakiwadi

130.85

7,500.85 Total Rs. 130.85

SCHEDULE 9 - BANK BALANCES AS AT 31.3.2016


Rupees Rupees

14,935.08 6,600.05 425,075.00 514.50 515,289.20 151,258.00

SVC Bank - (KSA Holiday Home A/c.) SB A/c. No. 376Union Bank of India - Tardeo Branch A/c. 3429SVC-Slater Road Br. SB A/c. No.37373 (FCRA)SVC Bank Nashik - SB A/c. 3942SVC Bank - OD A/c. 69SB Bank Balance - Centenary FundSVC SB Account 96969

13,819.08 328,991.55 119,144.00 149.50

23,456.81 266,857.00 97,574.56

1,113,671.83 Total Rs. 849,992.50

SCHEDULE 10 - FIXED DEPOSITS AS AT 31.3.2016


Rupees Rupees

12,947,625.64 2,099,289.16 13,589,472.00

FDs against Corpus FundsFDs against Other Earmarked FundsFDs against Centenary Fund

13,519,625.64 2,494,073.16 15,089,472.00

28,636,386.80 Total Rs. 31,103,170.80


SCHEDULE 11 - EXPENDITURE IN RESPECT OF PROPERTIES

YEAR ENDED 31.3.2016 PARTICULARS

YEAR ENDED 31.3.2017

RUPEES RUPEES RUPEES

89,644.00 8,459.00

228,350.00 (18,235.04) 24,000.00 90,561.60 500.00

108,465.00 34,700.00 679,706.00

- 26,804.00

Rates & TaxesInsurance PremiumElectricity ChargesCompensation paid of Hires of Hall to Talmakiwadi CHS Ltd.One Day Compensation paid to Talmakiwadi CHS Ltd.Security Charges paid to Talmakiwadi CHS Ltd.D.N. Shirur Statue MaintenanceBuilding Repairs & MaintenanceAir Conditioners Maintenance ChargesInterest on Bank O/DRepairs to Fire ExtinguisherPest Control Charges

60,413.00 10,546.00 239,990.00

- 24,000.00 109,871.80

- 186,776.00 43,166.00 22,894.00 15,019.00 4,501.00

1,272,954.56 Total Rs. 717,176.80

SCHEDULE 12 - ESTABLISHMENT EXPENSES


PARTICULARS YEAR ENDED 31.3.2017


230,050.008,850.00

23,686.0024,996.0053,005.00

66,205.007,032.867,041.00

- 78,000.0070,750.00

10,600.00

1,704.0017,500.00

5,625.00 22,800.00 24,383.00 16,070.00

Salaries and WagesStaff WelfarePostage and Courier ChargesTelephone ChargesPrinting and Stationery (including Annual Report printing charges - Rs 68,000 - previous year Rs 27,200)Miscelleneous ExpensesBank ChargesConveyance ExpensesSecurity ChargesAccounting ChargesLegal & Professional ChargesContribution to Charity CommissionerComputer ExpensesFax Machine/EPBAX Maintenance ChargesProfessional TaxInterest on Professional TaxTelephone & Conveyance Expenses for StaffWebsite Development ExpensesGeneral Body Meetings ExpensesLate filing Fees - TDS

299,250.00

15,130.0038,859.0025,498.0090,401.0063,153.00

3,523.007,080.00

78,000.0073,189.00

17,313.00

1,500.002,500.00

37,900.0019,831.00

9,135.0033,840.00

668,297.86 Total Rs. 816,102.00


SCHEDULES FORMING PART OF INCOME & EXPENDITURE ACCOUNT FOR YEAR ENDED 31st MARCH, 2017


SCHEDULE 13 - AMOUNTS WRITTEN OFF




187,400.00 107,550.00 95,922.00 200,000.00 275,000.00

(184,173.00)

Debtors for AdvertisementsRetention Money - Buildiing RepairsDeposits Nasik Redevelopment ProjectsDesigners CollectiveAdvance for Computer SoftwareAdvance to Saraswat Welfare Association -VirarX-Ray Machine ( Virar )Less: Depreciation

146,901.00 93,067.00 18,500.00 1,183,580.00 - - - - -

1,442,048.00

681,699.00 Total Rs. 1,442,048.00

SCHEDULE 14 - EXPENSES ON OBJECTS OF THE TRUST




69,865.00128,750.00

20,580.00132,426.00

17,950.001,400.00

24,360.008,070.00

-

HEALTH CENTRE PROJECTExpenses & Fees PaidSalaries & WagesHealth Centre ExpensesPathological Consultanct Charges Printing & StationeryRepairs & MaintenanceElectricity ChargesTelephone ChargesTelephone & Conveyance Expenses for Staff

97,900.00144,200.00

27,695.0032,643.0013,450.00

314,175.0010,714.00

3,880.0013,350.00

403,401.00121,110.00146,280.00

Less: Consultation Fees Recd.Less: Pathological Laboratory Receipts NASHIK HOLIDAY HOME EXPENSESRates & TaxesSalary & Wages & AllowancesElectricity ChargesMisc. ExpensesBank ChargesPrinting & Stationery

658,007.00154,240.00

22,500.00136,011.00

18,082.00272,550.00

53,320.003,760.00

740.004,851.00

481,267.00

16,011.00259,300.00

98,680.00 1,888.50

215.004,991.00


3,000.00 16,581.00

1,280.004,800.004,313.00

450.0030,653.00

- 208,526.00

47,917.00

Telephone & Conveyance Expenses for StaffTelephone ChargesCourier ExpensesStaff Welfare ExpensesNews Papers & Periodical ExpensesLocal ConveyanceMaintenance of GardenPest Control ChargesRepairs & Maintenance- OthersRepairs & Maintenance- ElectricalsMaintenance of Aqua Guard ANNUAL & MONTHLY SOCIAL GATHERINGExpenses on ASG & Distribution of Prizes (Including Drama, Foundation Day, Social Gathering, Diwali Drama, Diwali Sports)Suresh Hemmady’s Book Launch ExpensesConvocation Expenses Less: Prize Fund Investment - InterestLess: Family Tree Project Receipt

READING ROOM AND LIBRARYSalary, News Papers and Periodical Expenses MARRIAGE BUREAUExpenses IncurredLess: Membership - Marriage Bureau

14,500.0022,116.001,085.004,400.003,223.00

12,115.0027,850.00

2,290.00112,336.00

5,188.004,050.00

562,456.00

152,499.00

3,191.00

4,025.00

698,605.50

90,769.00

33,250.00

141,855.00

19,100.0028,050.00

124,019.00

36,000.00 1,180.00

189,005.00

30,000.006,506.00

86,839.00

45,293.00

12,000.007,700.004,300.00

3,191.00

12,000.007,975.00

971,048.50 Total Rs. 1,203,438.00

SCHEDULE 15 - RENT RECEIVED




9,387.72 698,504.00 233,000.00 716,000.00 27,750.00

From Residential TenantsNasik Holiday Home Religious FunctionsHallInstitutional Booking

75,030.84 492,250.00 257,000.00 679,500.00 67,500.00

1,684,641.72 Total Rs. 1,571,280.84

SCHEDULE 16 - INTEREST RECEIVED





2,738,816.00

158,000.00131,000.00315,000.00254,000.00

10,600.0028,000.0036,000.0015,000.00

764,000.00412,052.00

Total Interest received during the year (a)Less:Utilised/To be utilised

Distress ReliefMedical ReliefEmergency Medical ReliefScholarshipMagazine - Konkani Basha Prasar NidhiMagazinePrizesNNH MaintenanceCentenary FundCentenary Medical Aid

Total Interest Utlised/To be utilised (b)Interest - Balance (a-b)Interest of Savings Bank AccountsInterest on IT Refunds

2,473,677.00

140,000.00125,000.00290,000.00235,000.00

9,000.0024,000.0030,000.0012,000.00

686,465.00369,635.00

552,577.00 45,999.00 6,821.00

2,123,652.00 1,921,100.00 615,164.00 43,340.00

-

658,504.00 Total Rs. 605,397.00

SCHEDULE 17 - INCOME FROM OTHER SOURCESYEAR ENDED

31.3.2016PARTICULARS YEAR ENDED 31.3.2017


61,575.00212,300.00

19,840.0010,125.00

SHRIMAT ANANDASHRAM HALLCommission on Pendal and Loud SpeakersCommission on Catering from Central ExcellencyCommission on Catering from GuruprasadCommission on Catering from Lily Caterers

NASHIK HOLIDAY HOMEAdvertisement IncomeInterest on BankInterest on NHH - Maintenance FundMiscellaneous Income

MAGAZINE ACCOUNT

Advertisements ReceivedInterest on Magazine FundRecovery of Airmail ChargesInterest on Konkani Basha Prasar Nidhi Fund

67,106.00241,600.00

42,300.008,000.00

48,000.00790.00

12,000.0010,435.00

359,006.00

71,225.00

303,840.00

48,000.002,574.00

15,000.000.00

1,692,561.00

65,574.00

1,693,669.0028,000.0054,781.0010,600.00

24,000.0067,155.00

9,000.00


1,787,050.001,941,751.30 Less: Magazine Expenses

OTHER INCOMESubscriptionsStudents Membership Recd.DonationsMisc. IncomeDefence Convention Fund KSA Hindustani Classical Music Event Sangeet Sammelan ReceiptsLess Expenditure D.A.Bijoor Autobiography Sale Konkani Proverbs & Idioms Book ReceiptsLess Expenditure

Census Project DonationsCensus Book SaleLess: Expenditure

Sub-total - Other Income

1,792,716.001,609,126.10

183,589.90

1,919,854.45

-154,701.30

7,350.002,400.00

52,662.00130,260.00 -

1,553,731.95 - -

-

600.00

1,600.00 -

1,600.00

-

4,360.00 15,000.00 127,964.00 108,709.36

423,800.00 (420,595.00) 3,205.00

15,750.00 1,000.00 14,750.00

273,988.36

900,000.00

18,150.00 746,899.50 171,250.50

488,701.06 Total Rs. 2,533,675.35


Report of the Auditor relating to the accounts audited under sub-section (2) of Section 33 and 34 and Rule 19 of the Bombay Public Trusts Rules, 1951

Registration No: INS 1326Name of the Public Trust: KANARA SARASWAT ASSOCIATIONFor the year ending: 31st March, 2017

a. Whether accounts are maintained regularly and in accordance with the provisions of the Act and the Rules:

Refer Notes on Accounts in Schedule 18

b. Whether receipts and disbursements are properly and correctly shown in the accounts Yesc. Whether the cash balance and the vouchers in the custody of the manager or trustee on the date

of audit were in agreement with the accountsYes

d. Whether all books, deeds, accounts, vouchers or other documents or records required by the auditor were produced before him

Yes

e. Whether a register of movable and immovable properties is properly maintained, the changes therein are communicated from time to time to the regional office and the defects and inaccuracies mentioned in the previous audit report have been duly complied with.

No

f. Whether the manager or trustee or any other person required by the auditor to appear before him did so and furnish the necessary information required by him

Yes

g. Whether any property or funds of the Trust were applied for any object or purpose other than the object or purpose of the Trust

None noticed

h. The amounts outstanding for more than one year and the amounts written off, if any. See Schedule 13i. Whether tenders were invited for repairs or construction involving expenditure exceeding

Rs. 5,000/-No. However, quotations have been invited for major building repairs

j. Whether any money of the public trust has been invested contrary to the provisions of Section 35. Nok. Alienations, if any, of the immovable property contrary to the provisions of Section 36 which have

come to the notice of the auditor.None noticed

l. All cases of irregular, illegal or improper expenditure, or failure or omission to recover monies or other property belonging to the public trust or of loss or waste of money or other property thereof and whether such expenditure, failure, omission, loss or waste was caused in consequence of breach of trust or misapplication or any other misconduct on the part of the trustee or any other person while in the management of the trust.

None

m. Whether the budget has been filed in the form provided by rule 16A. Yesn. Whether the maximum and minimum number of the trustees is maintained. Yeso. Whether the meetings are held regularly as provided in such instrument. Yesp. Whether the minutes book if the proceedings of the meeting is maintained. Yesq. Whether any of the trustees has any interest in the investments of the trust. Nor. Whether any of the trustee is debtor or creditor of the trust. Nos. Whether the irregularities pointed out by the auditors in the accounts of the previous year have

been duly complied with by the trustees during the period of audit.No

t. Any special matter which the auditor may think fit or necessary to bring to the notice of the Deputy or Assistant Charity Commissioner.

See Notes on Accounts in Schedule 18

For SCA and Associates Chartered Accountants Firm Registration No 101174W

Kiron MallapurPlace : Mumbai Partner Date : 22nd July, 2017 Membership No: 036336



SCHEDULES FORMING PART OF THE ACCOUNTS AS AT 31st MARCH, 2017

SCHEDULE 18 : NOTES ON ACCOUNTS

A Significant Accounting Policies:

1. Basis of Accounting:

The Financial Statements are prepared under the historical cost convention on an accrual basis, except in case of Subscriptions which are accounted on cash basis.

2. Use of Estimates:

The presentation of financial statements requires estimates and assumptions to be made that affect the reported amount of assets and liabilities on the date of financial statements and the reported amount of revenues and expenses during the reported period. Difference between the actual results and estimates are recognised in the period in which the results are known / materialised.

3. Income:

Interest income on Fixed deposits is recognised on time proportion basis taking into account the amount outstanding and the rate applicable.

Income from Rent is recognized based upon the rights given to the tenants against payment of Rent / Lease Fee. The same is recorded on accrual basis in the books.

4. Fixed Assets:

a. Fixed Assets are stated at cost of acquisition / construction and inclusive of all direct and incidental expenses related to such acquisition / construction.

b. Cost relating to acquisition of Computer Software are capitalised.

5. Depreciation:

Depreciation has been provided on straight line method at the rates decided by the Management. Computer Software is amortised on straight line basis over a period of five years.

6. Foreign Currency Transactions:

Transactions arising in foreign currency during the year are recorded at the exchange rates prevailing on the date of the transaction.

7. Contingent Liabilities & Provisions

The Trust recognises a provision when there is a present obligation as a result of a past event that probably requires an outflow of resources and a reliable estimate can be made of the amount of the obligation. Provisions are not discounted to its present value and are determined based on best estimate required to settle the obligation at the balance sheet date. These are reviewed at each balance sheet date and adjusted to reflect the current best estimates. A disclosure for a contingent liability is made when there is a possible obligation or a present obligation that may, but probably will not, require an outflow of resources. Where there is a possible obligation or a present obligation that the likelihood of outflow of resources is remote, no provision or disclosure is made. Contingent assets are neither recognised or disclosed.

B The figures of previous year have been regrouped / recast wherever necessary, to confirm to current year classification.

C The Association has, from March 2017, undertaken major repairs and renovation of its buidling at Tardeo, Mumbai. The estimated share of the Association is expected to be Rs 14.10 lakhs (including contingencies), with an equal share being borne by the tenants. The contract has been awarded after due process of calling for tenders and evaluation.

D The Association has not maintained the Fixed Assets Register as per the requirements of Section 36B and Rule 24A of the Bombay Public Trust Act, 1950. The Association has however, maintained a list of assets.

E Depreciation has not provided on assets of the Associatiion at Shirali and Books at Mumbai even in the current year.


F The Fixed Deposits with Banks have to be earmarked towards the Funds against which they have been deposited.

G The Association had started a census project in the year 2011. The Trust had received donations aggregating Rs 9,00,000 and incurred expediture aggregating Rs 7,46,899.50. The Census Report was released in July 2016 and hence the net surplus of Rs 1,53,100.50 has been credited to Other Income during the year.

H Tax at Source has not been deducted in respect of professional fees of Rs 71,750/-

For Kanara Saraswat Association For SCA and Associates Chartered Accountants Firm Registration Number 101174W Kiron MallapurHon. Chairman Hon. Treasurer PartnerDate: 22nd July, 2017 Membership No 36336 Date: 22nd July, 2017 Hon. Secretary Trustee Date:

A Name that spells its class!

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Mobile: 98208 43392 Ph: (022)2618 2689


On Foot From Kalady to Kashmir!Ujjwal Honnaver Moodbidri’s lively report on Shri Shankara Pra-

darshanam – a tableau presented by the Prarthana Varga during the Shankara Jayanti celebrations at Shri Chitrapur Math, Bengaluru

Initially, the air was abuzz with news and whispers of some unconfirmed news! A little later, in the first week of April, it was finally confirmed that Bengaluru Sabha was in for a special treat on the occasion of Shankara Jayanti.

Yes, Parama Pujya Sadyojat Shankarashram Swamiji was going to be in Bengaluru on that auspicious day.

W i t h t h e n e w s sp read ing joy and excitement, and thanks to techno logy, our phones began bursting w i t h i d e a s b e i n g exchanged on what spec ia l programme Prarthana Varga could stage before the laity and His Holiness.

An announcement w a s m a d e u s i n g email, WhatsApp, sms informing parents about a small and simple idea of having a tableau before Swamiji. With more discussions came more ideas. Slowly and steadily we could see the idea taking akaar– a wonderful shape. With His Grace as aadhar - was born – SHRI SHANKARA PRADARSHANAM.

Saturday and Sunday meetings at 3 pm became a norm for all the Malleswaram teachers and with each passing day,

everyone could feel the energy levels slowly and steadily increasing.

On Friday 28th April, a beautiful lotus-shaped invite was presented to Parama Pujya Swamiji by the teachers and children extending a warm welcome to view – SHRI SHANKARA PRADARSHANAM - on Shankar Jayanti itself – which fell on Sunday, 30th April!

30 th Apr i l , 2017 began early for the 40-plus children, parents and teachers who were all at the Math by 8:30 am. Rooms were filled with smiles, electric excitement and subtle chitter-chatter. Views and suggestions flew around as the children were being dressed up. Parents and teachers went around applying tilak and vibhuti on the foreheads of the little artistes. Our characters were coming alive!

A sea of miniature orange angavastram-s could be seen running a c r o s s t h e h a l l . Yuvadhara and parents also provided additional assistance to set the

space around the display area, making the task so much simpler for the teachers. Children were busy

Children from Bengaluru’s PrarthanaVarga who took part in the tableau- Shri Shankara Pradarshanam

Lord Shiva as Chandala

~~~~~~ Parisevanam~~~~~~

Prasannostu Guru sadaa


~~~~~~Parisevanam~~~~~~

Just One Point

Harin Hattangadymam (Parisevanam, August), who is teaching the school children of Srivali High School the basics of plumbing, carpentry and electrical work would like to acknowledge the immense help he has received from Dilip Padukonemam and Ganesh Bankeshwarmam without which, he feels, this ‘seva’ he is offering would have been far more difficult.

seeking approval from their teachers and appreciation from their Amma-s and Pappa-s for their ethnic costumes. Distributing colourful masks, head gears, danda-s, rudrakshamala-s and other props kept everyone around on their toes.

The children stood around in the 11 groups that they were divided into, according to the scene they were portraying from the “Birth of Shankara” to “Acharya ascending the Sarvajnya Peetha” at Kashmir.

Laughter and excitement filled the air. Every child, parent and adult was looking into the finer points of each scene to check if anything important was amiss. Placards in the hands of the teachers had a word or two in Sanskrit and English for the benefit of the audience. A look around the gathering endorsed that the children truly looked divine!

With the clicking sounds of our Guru’s khadava-s, accompanied by jaijaikaar-s and sounds of the children being hushed, small smiles began to appear on the faces of all gathered. Shhhh! Parama Pujya Swamiji’s paduka-s were coming closer - His Holiness had arrived!

Being a tableau, the still scenes were speaking for themselves! Yet, as His Holiness asked the children about each scene, the complete scene came even more alive for all the excited onlookers.

Small incidents like little Shaurya Kallianpur, who was depicting the newborn Bal Shankar (and coincidentally) was lying fast asleep in the cradle and Parama Pujya Swamiji’s Divine rendering of Totakashtakamstotra, enhanced the Pradarshanam immeasurably. As His Holiness moved from one group to another, the teachers and children felt truly blessed to have been given a chance to be part of such a glorious moment.

Swamiji’s Blessings and remark that if Acharya Shankara Himself had been present, He would have been so happy to see this tableau, filled our hearts with joy! Our tiny and humble attempt to showcase the great saint Adi Shankaracharya’s life in a glimpse had become saarthak!

Eleven scenes with 40-plus children and 11 teachers had attempted to recreate the entire story of Adi Shankaracharya at Shri Chitrapur Math, Bengaluru for our 11th Mathadipathi on Vaishakha Shukla Panchami this year…

Guruseva Sadaa Kuru!O Guru! You are resplendent like the Sun!You also make our life fun!We are at Your Lotus FeetYou shelter us from tremendous heatYou can calm the wildest of the wildTo make them mildest of the mildYou are as pure as fireWith you we never tire!

You give us a lot of preetiYou give us strength to follow neetiYou have Divine HandsTheir touch can make fertile the most barren landsIn front of you the harshest weatherFlies away, as light as a featherWhen You, our Guru speaks the WordEach one of us feels light as a bird

Our motto is – Guruseva Sadaa KuruWith the Best Name on our lips –Our Swamiji! Our Guru!

Offered with bhakti-bhavana at the Lotus Feet of our Beloved Guru Parama Pujya Sadyojat Shankarashram Swamiji by the senior students of the Prarthana Varga of JAYNAGAR, BENGALURU


(Son of late Smt Shanthabai and late Shri Anand Rao Betrabet of Brahmavar)

Passed away peacefully at Udupi on 6th July, 2017

Deeply mourned by:

Wife:

Shaila

Son: Pranam

Sisters: Prema Manel; Sheetala Aldangadi; Surekha Katre; Nirmala Udiaver and their families

and all relatives and friends

RAMACHANDRA RAO BETRABET


After having explained the saUxma SarIrma\ with all its 17 integral components, now the third of the three bodies the karNa SarIrma\ or the causal body is going to be described. We should remember here the question asked by the disciple was - “What is Atma”? The teacher replied that it is other than the three bodies - the gross, the subtle and the causal.

karNa SarIrM ikma\ ÆAinavaa-cyaanaad\yaivad\yaaÉpM SarIrd\vayasya karNamaa~M sa%svaÉpa&anaM

inaiva-klpkÉpM yadist t%karNaSarIrma\ ÈWhat is the causal body?That which is inexplicable, that which is without a

beginning, that which exists in the form of ignorance, that which is the seed cause of the other two bodies, that which is ignorant of its own nature, that which is free from any duality is the causal body.

The gross body is the most gross ‘evidence’ of our identity, which is visible to oneself and others and it has a very short life span. The subtle body is felt or sensed only by oneself and is not available for recognition by others. The causal body, however, is the most subtle of all the three bodies. It is not recognizable by oneself or others and can be concluded only by inference.

Now let us see what each word in the description of the causal body means -

Ainavaa-cyaanaad\yaivad\yaaÉpM : avidyâ is Self-ignorance. It means that one does not know the true nature of oneself. The scriptures say that this Self-ignorance does not begin any time. It is without a beginning. The only relief is that it can be ended when one realizes one’s true nature. If it was without beginning or end, then there was no chance for the human being to know his True Self. Then the entire process of Self -enquiry and our scriptures, which only talk about the true nature of every one of us as “Atmaswaroopa”, would be useless. Self-enquiry itself begins because I do not know who I am; I am constantly identifying myself with the body- mind- sense complex which I am truly not. This ignorance is called sa%svaÉp A&anama\ È

Now the Tattvabodha teacher says that this avidyâ is anirvâchyam. Anirvâchyam means that which appears to be true, but upon investigation is not really there; seems to exist, but upon enquiry, you find it is really not there; it is experienced and yet, not really there! Such a thing, which cannot be said to be definitely present or absent, is experienced by us daily as a dream which appears to be so true when

~~~~~~~Parisevanam~~~~~~~Tattvabodha

Here is the eleventh instalment of Dr. SudhaTinaikar’s absorbing de-mystification of a small, but very comprehensive, spiritual text

we experience it, but has no reality. What a magician weaves in his magic is also a similar thing inava-@tuma\–Ayaaogyama\ or sadasad\Baama\ Ainava-canaIyama\ is the apt term used by the scriptures to indicate - what cannot be explained accurately in words is neither true nor false.

SarIrd\vayasya karNamaa~M Á the kâranasharîram is the seed from which both the gross and the subtle bodies emerge. How does it happen? When I do not know my true nature, I project something which is not true and the scriptures say that both the gross and subtle bodies are the projections out of this ignorance and they are not the true Self or Atma’. The very purpose of the scriptures is to show that all the three bodies are nothing but projected attributes or ]paiQa -s.

sa%svaÉpa&ana MÁ I do not know who I am. I may wonder how such a statement can be made by the scriptures. It is true that I know who I am only from the standpoint of my gross body, my relationship with reference to some other gross bodies, or what this gross body engages itself in. For example, “ I am 5 feet tall, I am the son, husband or father of such and such a person, I do this particular job” and so on….

At the most, I may know myself from the attributes of my subtle body with reference to the sense organs or mind as in “I am blind, or hard of hearing, or intelligent, or confused…”

The scriptures say that “All these are mere attributes or ]paiQa-s. They are not your true nature. It is because you do not know your true nature or sa%svaÉpma\ À Aa%masvaÉpma\ that you project everything else as You”.

inaiva-klpkÉpMÁ Ignorance is a homogenous mass. It has no divisions and gradation. Ignorance cannot be divided as “your ignorance” and “my ignorance”. The object of ignorance may vary, but the nature of ignorance, which is - “I do not know” is the same indivisible one. Knowledge can be graded but not ignorance.

Ignorance is also called “error”, where one is mistaken for the other. When there is ignorance of “what is”, one thing is mistaken for something else. This is the exact mechanism of self-ignorance. The typical example used by the scriptures is that of the rope-snake.

Ignorance can be destroyed by knowledge. Therefore, the causal body is not eternal. It vanishes upon knowing the true “Self”.

(To be continued….)


PERSONALIA

Aakrati Sirur daughter of Shri Kiran Sirur and Smt.Anita Sirur came first in merit at national level in woman’s category and created history by becoming the first lady candidate in Bhopal to secure AIR 1 in two SSB (Services Selection Board) entries for Indian Army. She will be joining Officer’s Training Academy, Chennai in October and after training will become a commissioned officer and will join Army as a lieutenant. Her father Mr. Kiran Sirur cleared SSB in June 1987 and topped the merit but couldn’t join the forces. After 30 years Aakrati got recommended for the same post and fulfilled her father’s dream. We are proud of her and wish her good luck for her training and all future endeavors.

Aashita Nadkarni, daughter of Ravindra and Anuja Nadkarni currently residing in Singapore and studying in GIIS Queenstown 6th grade bagged the 2nd prize and

Silver Medal in the 1st National Yoga Sports Competition 2017 conducted by Yoga Sports S i n g a p o r e o n 28/5/2017 in the Artistic pair yoga age group below 17 years. Aashita and her partner

Aarohi Pingle were encouraged and guided by their Yoga teacher Ms. Deepshikha Tripathi.

The Federation announced that all the winners would officially be affiliated members of the Singapore National team and represent Singapore for the 7th Asian Yoga Sports Championship held from 28/7/2017 to 30/7/17. Indeed it was a proud moment for her parents and also grandparents Maruti Nadkarni & Anuradha Nadkarni and Shivanand & Amita Nagarmath.

Nidhi Philar, 11 years, daughter of Nikhil and Shantal Philar in Charlotte, North Carolina.U.S.A., has won the President’s Education Award for Outstanding Academic Excellence in 2017 and acing all her state exams with flying colours. She won the first place for designing the school’s logo that was then printed on all T-shirts given to every 5th grade student, by the School

authorities. The attached photo shows her wearing the logo design t-shirt.

Drawing pa int ing and reading are her favourite hobbies. Nidhi has keen interest in Weather Predictions and likes to apply Mathematics to solve Puzzles! Her recent hobby is photography and she attended a camp where she has cl icked beautiful pictures.

Time...It’s running away,I can barely catch it,I try to cope up,To be with it.

They say its precious,No one can buy it,Whatever it is,I still waste it.

Intristic worth it has,No one values it,The day it slips away,They beg for it.

It’s an illusion,It seems as its more,In contrast reality,Is a truth, sore.

Everywhere it is,On walls or wrists,Scaring me all while,Prancing on the streets.

I try to forget it,It’s memory doesn’t erase,Reminds me of its existence,I’m a slave in its maze.

I keep it with me,To match its pace,Constant checks on it,But I lag in my race.

It sprints faster,Leaving me behind,Not a chance I get,To overtake time.

- Kedar Kate


Suman Shirali22-05-1937 to 25-07-2017

We miss your smile when we enter your room now; the warmth that made everyone feel so welcomeWe miss your twinkling eyes when you filled us in on the latest gossipWe miss the funny expressions you made when you watched your beloved TV shows; every dialogue, every situation on TV had to be accompanied by your reactions! We miss the dramatic background music of those serials, but above all we miss you judging the lead character! TV shows are not the same anymore without you!We miss your joyful battle cry of “Mogambo Khush Hua!!!”, whenever you got to enjoy your favourite food (especially desserts!)We miss the wonderful aroma from your kitchen, of all kinds of food, and moreover you trying recipes from Mejwani and Food Food! We miss how you would take your little bag and make impromptu plans with anyone and everyone. Everybody was family to you, and little did you know, that you were family to them too! We miss everything about you. You are one special person, who could lose everything, but never her smile and strength. Thank you Amma, For all the great times and, for all those lovely memories, which taught us so much about life.

FromShefali, Girish, Raena, RohanMedha, Shailesh, PoojaSabiha, Rajesh, Samara


Shri. Satish Ramdas Nadkarni(13th July 1942 – 9th August 2017)

We love you and miss you dearlyYou brought joy and sweetness to all those who came in your life.

Your energy, exuberance and encouragement will continue to live in our heart.

Fondly remembered by :Nadkarnis, Ubhaykars, Kalbags, relatives and friends.

Birthday Remembrance

Ramesh Raghavendra Basrur02.09.1937 – 04.01.2017

On 2nd September we would have celebrated your 80th birthday,You are gone but not forgotten, we miss your presence every day,

Fondly remembered by wife Shalini (Vijayalakshmi), Sister Chitra & family, Brother Dhananjay & family,

Relatives and friends.


On 2nd September we would have celebrated your 80th birthday,You are gone but not forgotten, we miss your presence every day,

Fondly remembered by wife Shalini (Vijayalakshmi), Sister Chitra & family, Brother Dhananjay & family,

Relatives and friends.

This is a poem to celebrate Hemkar Kalavar’s extraordinary life. During his time with us, he managed to uplift and inspire many. His compassionate, radiant personality along with his iron resilience will be missed always. Tatay Hiana Jueeli – he stood against the

wind.As a child, my parents told me the tale of the oak tree. They mentioned how it would hold its branches so high; it could kiss the summer sky. During the monsoons, the old oak stood firm on the ground with its roots digging deep beneath the earth. Its sweet scent tickled the blazing sun and lifted even fountain grass. But, the oak’s most salient feature of all was that it could stand tall and strong against the mighty wind. Its leaves would ruffle, its branches would shake, but the old oak would not fall or even bow to the wind. Till this monsoon, I thought the old oak was just a tale - a figment of my parents’ imagination, which they conveyed to me when I was a child. But, what if I told you that I saw him. I saw him let out a few chuckles. I saw him grounded – as always – and down-to-earth. I saw him lifting people up, even when he was at his worst. I saw him brave the storm and win. He is tatay hiana jueeli. He is my grandfather – Hemkar Kalavar – he, who stood against the wind.

Fondly remembered and dearly missed by:Nirmala Kalavar

Anantika and Harish Narekuli Anandita and Nihal KodikalAlisha and Devisha Narekuli Chikita and Vidyut Kodikal

Prashant and Shweta KalavarAhren and Ayaan Kalavar

HEMKAR KALAVAR(3rd April 1934 – 2nd August 2017)

Varsha Kulkarni

Dear Varsha

What can we say about you?An affectionate sister, caring wife, doting

mother, obedient daughter, loving daughter in law, friendly sister in law

You exceed in every relationshipA friend in need, ever helping colleague,

good painter, exceptional cook, melodious singer to name a few

Ever smiling & most wonderful person rushing to help anyone in trouble

Celebrating our good times & sharing our bad times, always a pillar of strenth

when neededLived to the saying help ever, hurt never

You were the tree which gave shelter even to the wood cutter who cut her

branchesWe just can’t believe that you are no

longer physically with us, a nightmare which can’t be forgotten

There are no words to express youWe thank God that we were very

very fortunate to have you with us for sometime in our life.

From all your near & dear ones


Lakshmibai Subray Balwalli

A boat ride to an island

Dancer

Gopal Baindur - 10 yrs

Arush Ullal - 7yrsSoumya Sirur - 4 and half yrs

Towards my village home and temple

Kiddies’ Corner

12/07/1931- 27/07/2017

Deeply mourned bySons : Atmaram (Dattanand) & Deepa,

Gajanan & Shantala, Daughter - Kshama (Mangala) Mavinkurve

Grandchildren – Kanchan & Girish Mallapur, Archana & Abhishek Balwalli,Ashish & Trupti Mavinkurve,

Akshata Mavinkurve, Great Grandchildren – Laksh Mallapur,

Ahan Mavinkurve,


The English Teacher-Ishaan Sameer Mavinkurve, Pune

(14 years)“Hello! How is you? Forgiving my English

haa, but from today I is becoming your English teacher. I is named Sachit”.

What? Who was this? I was in school, in class-in ninth standard to be precise. And this man with his horrible English and his small moustache was going to teach me- the whole class- ENGLISH? I looked over to see a midget of a man with a cheesy smile struggling to reach the top of the board. He finally stood on a chair, and wrote “English” in shabby handwriting. How was he even selected in the school?

“I is teaching us some Grammars today” he said, and adjusted his pants. He then rumbled off into some strange non-existent language- gibberish, I should call it- out of which some words were-”the”, “speak” and “direct”.

“You is understanding what I is meaning to speak, right?” he said at the end of the class. As if we could understand! We nodded anyway, and then, the bell rang.

Over the next few weeks, we decided to have some fun with this man. We put water on his chair or sometimes we used to pull his chair back. He would topple on the floor, look at the chair and say, “How on world has the chair goes here?” and sit back up. We would then explode into fits of laughter. He would look around and give a cheesy grin and say-”why is you shrieking with happiness?” And that would make us laugh even more.

Over the next few days he singled me out saying- “I is the bestly at English”. I was his favourite student, and he selected me for the ‘National Elocution Competition’. This competition was countrywide and only around hundred participants were taking part. They, along with their teachers, then gave a collaborated speech on a given topic. I had no problem in attending as I had already participated twice before, but, I had not won till now. This time I was going to give my best. But the thought of our English teacher blabbering in front of the whole nation in a live televised national competition made me feel sick.

Soon the dreaded day came. I was sweating like crazy. But my Sir seemed completely calm. Of course he was calmly going to embarrass

the entire school and I was going to watch it in close up.

Our chance came, and I went up on stage. When the audience saw the midget man beside me with a cheesy smile on his minute face giggles and laughs echoed from the crowd. I went first and said my part fluently and clearly, trying to make the impact of embarrassment reduce after his part.

After I was done, Sachit Sir came up on stage. I held my breath. The few seconds of silence were deadly.

Then Sachit Sir- the same man who spoke all that gibberish in class started to speak the most beautiful language one has ever heard. The gibberish had somehow converted to pure, melodious English. He had the whole audience spellbound. That speech was one of the most wonderful speeches I had heard.

“And I would like to quote Gandhiji on the rightly said thought - ‘An eye for an eye makes the whole world blind’, he said-and the audience erupted into applause.

When I won the second prize I handed it all over to Sir. After all, he proved to me that some people come into your life for a reason……

Red and green Red and green across the black,The Rebels flee without looking back.Over the planet of Tatooine,They fight a fight they cannot win.Onboard are stolen Death Star plans,That cannot fall into wrong hands.Imperials attack,Their ships flying across the black.The Rebels fight back,But the odds stack,Against them as they try to flee,Far below is the dune sea,An escape pod launches,Like the roar of a beast on its haunches,Tearing through the dusty skies,It comes to a stop and there it lies,Out the pod two droids emerge,And are swallowed by a sandy surge,One blue and white the other gold,Though they do not know it yet, they are part of a story that lies untold.

Jyotirmay Pandit, 11years NSW, Australia

Kiddies’ Corner


nwñVH$ n[aM`CX` _§{H$H$a

dmMH$m§H$ A§V_w©I H$V©cmo H$Wmg§J«h""VmocñVmo`mÀ`mo H$mU`mo''

AZwdmXH$ (AUH$ma) … àm. Ho$. ~r. amd ^«_UÜdZr … 9922233795

àH$meH$ … g§OZm npãcHo$eÝg, gm§Jo-Jm|`.n¥ð> g§»`m … 106, _m°c … é. 120/-

{cAmo Q>m°cñQ>m°` hmo gm{hË`joÌm§Vwcmo gwà{gÕ a{e`Z coIHw$. "gd©H$m{cZ loð> gm{hpË`H$' åhmoUw Zm§dnm{dcmo gm{hpË`H$. AZoH$ dmMH${à` H$Wm, H$mX§~è`mo VerMr cKwH$Wm§Mmo OZH$. Hw$_ma gm{hË`m§Vw VmJoc| AË`§V _hÎdnyU© ̀ moJXmZ Amñg. VmÞo VmJoë`m à{V EH$ H$mU`|WmìZw dmMH$m§Joco _Zmoa§OZ Ho$ë`m§, _mÌ Ýh§{` à~moYZmMo H$m`© gwÔm§{` Ho$ë`m§. gmZo JwéOtZr åhù`m§, ""H$ar _Zmoa§OZ Omo _wcm§Mo OS>oc ZmVo à^wer V`mMo.'' Ë`m{_Vt Q>m°cñQ>m°`mH$ XodXyVwMr åhmoUòX.

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H$Wmg§J«hmMr gwédmV OmÎmm "^waJt Amd`-~mnm` nag emUt'' øm H$mUòZo. MoS²©dm§Joë`m PJS>çm§Vw åhmcJS>çm§Zr cj Kmë`m[a H$ñc| OmÎmm? Var, MoS²>©d§MoS>²>©d§ PJS>VmVr Am{Z _mp½Jar dQw>_oiZw IoiVmVr, Omë`m[a, åhmcJS>çm§Vw dm`Q>nU òÎmm. Ë`m{_Vr MoS²>©dm§Joë`m PJS>çm§Vw åhmcmJS>çm§Zr {deof cj KmcwH$ ZÁO hmo øm H$mU`|WmìZw K|dMmo ~moYw.

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H$aVm. Omë`m[a, H$m§{` Cn`moJ Om`Zm. AmIo[aH$, EHw$ àm` Om„ocmo _Zwfw AmnUmJoë`m ~mngyH$ KodZw òVm. Vmo Am{Z àm` Om„ocmo. Omë`m[a, X¥ï>r g_{M, hmÎmm§Vw ~È>r KoZmñVZm gQ>gQ>r M_Hw$Zw òÎmm. Ë`m XmÊ`mMmo EHw$ gmZ Hw$S>H$mo ImdZw amæ`mH$ gm§JVm, ""Am_Joë`m doimar Agcmo XmUo ni{`cmo, VmÁOoCàm§Vo AmÎm§ nio{`cmo. Am_Joë`m gmZnUm§Vw Amå_r Agco XmUo d`Vmco Am{Z Agë`m XmÊ`mMo nrH$ H$mÊUy ImÎmmco.'' Vmìdir am`w {Z_{JVm, ""AmÎm§ h| dÅx> BË`mH$ Om`Zm?'' Vmo d¥Õ, amæ`mH$ CÎmamXmIc gm§JVm, ""Am{O _Zwî`w namdc§~r Om„m. Amå_r XodmZo {X„oë`m§Vw{M g_mYmZr Ampíeco. Xwgamo H$ñc| H$Vm© hmÁOmo Amå_r {dMméMr H$aZo gJimo XodmJocmoMr Ý`m`w Aer _mZVmct. hmo ""Vm§V`m òXmo XmUmo'' øm H$mUòMmo _{VVmWw©.

^md Vmo{M Xod, Xod ^mdmMm ^wHo$cm, Xodw MamMam§V Amñg, gd© àmUr_mÌm§Vw Xodw Amñg \$º$ Vm¸$m nmoim|dMr Ñ{ï> Om{` hr ""àrV Amgm W§` Xod Amgm'' øm H$mUòMr {eH$dU.

E¸$m XoemÀ`m amæ`mH$ VmJoë`m amOXa~mam§Vw gwYma H$moaMoIm{Va VrZ àým§Mr CÎma§ Om`{ect- ho VrZr àý åhù`m[a H$ñc|{` H$m_ H$moê$H$ ~amo doiw I§Mmo? _Zwî`m§Vw H$moUmH$ _hÎd qXdMo? Am{Z I§Mo H$m_ _hÎdmM|? ht CÎma§ _oim|dMo Im{Va Vmo am`w VmJoë`m amÁ`m§Vwë`m {dÛZm§H$, AmMm`mªH$, n§{S>Vm§H$ Xa~mam§Vw Amno{`Vm. EH$imo åhUVm, ""H$m_ gwê$ H$moaMo EH$imH$ n{ÌH$m V`ma H$moH$m©O. Xwgamo åhUVm, ""Ver n{ÌH$m V`ma H$moaM| Ag§^d.'' AmZoH$imo åhUVm, ""`mo½` doimar H$m_ gwê$ Ho$ë`m[a è _oiVm.'' _mp½Jar _hÎdmM| H$m_ I§Mo hmÁOoar MMm© OmÎmm. EH$ù`mJoë`m Ñï>rZo {dkmZ _hÎdmMo, Xwgamo åhUVm Xodm Jocmo nyOmnmR> _hÎdmMmo Var {Vgè`m Joë`m X¥ï>rZo XodmJoc| kmZ _hÎdmM|. dÅ>mòar øm CÎmam§Zr amæ`mJoc| g_mYmZ Om`Zm, AmIo[aH$ amæ`mH$ øm àým§Mr CÎma§ _oiVmVr do? Ë`mIm{Va dmMH$m ""VrZr àý'' hr H$mUr.

_Zwî`mH$ JaOonwaV| OodU-ImU _où`m[a VmJocmo OrdZm{XH$mH$ nmoim|dMmo Ñ{ï>H$moZw ~amo AmgVm, AmMaU ~a| AmgVm. Omë`m[a Vm¸$m JaOoner MS> _où`m[a Vmo A{YH$ AmZ§X _oim|dMmo à`ËZ H$aVm Am{Z h|{M Vm¸$m Ho$S>mH$ am~Vm. H$íer åhmoUw H$moiH$mO Omë`m[a dmMH$mO ""eoVH$ma Am{Z g¡VmZ'' hr H$m{U.

lr_§V OmZ§ gwIrMr Aer gd©gm_mÝ`m§Jocr EH$s g_OyVr. Omë`m[a, lr_§V _Zwî`m§ner gmYmaU/_Ü`_dJu` OmZ§ MS> AmZ§Xr Am{Z gwIr AmgVmVr hmÁOmo n[aM`w OmÎmm "E{c`mg'


øm H$mU`|Vw. E_oë`mZ Zm_H$ EH$ Jar~ eoV_OyamJocmo eoVm§Vw H$m_ H$V©Zm E¸$m _m§S>H$mMo[a nm` nS>Vm. Vmo _m§Sw>H$ CS>Š`mo _maV{M W§{`WmìZw YmdZw dÎmm. Ë`m{M doim[a E_oë`mZmH$ H$moUoH$s Amno{`codm[a OmÎmm. K§wdZw nio{`ë`m[a EH$s Jmo_Q>r M„r. Vr E_oë`mZmH$ AmnUmdQw> c½Z OmÎmm H$s åhmoUw {Z_{JVm. Vmo Om`X åhUVm. b¾mCàm§Vo Vt Xmo½J§{` hm°È> eham§Vw òìZw gwImZo g§gma H$moéH$ gwédmV H$Vm©{V. EH$ {Xgw Ë`m XoemÀ`m amæ`mJocr {VÁOoar X¥ï>r nS>Vm Am{Z {VOodQw> c½Z Om§dH$mO Aíer BÀN>m Vm¸$m OmÎmm. amæ`mJoco _§Ìr Vm¸$m gm§JVm{V H$s, E_oë`mZmH$ Xa~mam§Vw Zm¡H$ar {XìZw Vm¸$m Aíer XUy Om§ìdMr H$m_§ Xr H$s, Vt H$m_§ VmÁOo{_Vt H$moê$H$ OmdZòVr AmZr Ë`m{_Vt Vm¸$m _¥Ë`y òËcmo. _mp½Jar Vw¸$m VmJoë`m ~m`codQw> cJZ H$moéH$ OmËc|. h| gmÜ` H$moZw© K|dÀ`mH$ am`w H$ñc| H$Vm©? VmJocmo hoVw gmÜ` OmÎmm do? h| dmMH$mO ""[aVmo Ymoc'' øm H$mU`|Vw. EH$s J_VrXma H$m{U.

EH$ Kae| Ampíect XmoZr Hw$Qw>§~§. AJXr jw„H$ H$maUmZo Vm§À`m§Vw {dVwï> òÎmm. gmZgmÞ H$maUm§Zr PJS>t gwê$ OmÎmm{V AJXr {dn`m©g OmÎmm. åhmcJS>çm§Zr gm§{Jco MoS²>©d§ Am`H$Zm{V. gmÞ CÁOmH$sQ>r{_Vt Vm§Vwco EH$ù`mJoc| Ka cmñgwZy dÎmm. _wIm[a H$ñc| OmÎmm? dmMH$mO ""CÁOm {H$Q>r H$S>oZ AmS>ZXma Ho$ë`ma Ka cmgVm'' hr H$mUr.

_Zwî`mH$ VmJoco OrdZm§Vw H$ñco{` H$ï> Am`ë`m[a, dm±Q> Omë`m[a, EHo${` I§{M{` BÀN>m nyU© Om`Zo åhmoUw Omë`m[a, Ë`m H$ï>m§Mo {ZdmaU H$ar, AmnUmJocr BÀN>m nyU© H$ar åhmoUw Vmo Xodmcm½Jr àmW©Zm H$aVm Am§JdU gm§JVm. Vr Am§JdU nyU© Ho$ë`m[a XodmH$ IwerMr. _mÌ OmZm§cmJr {àVrZo-X`m_mòZo Mcë`mar XodmH$ VmÁOmner MS> Iwer OmÎmm hmo ~moYw {XËcr. ""XmoJ VrW©`mÌr'' hr H$m{U.

gdmªZr ~ao[aVrZo, EoŠ`mZo am~H$m, EH$Xwgè`mH$ àg§JmMo[a AmYma qXdH$m, {àVrZo AmgH$m hrMr XodmJocr BÀN>m. OrdZm§Vwcr ht gË`§ {deX Ho$ë`m§{V ""VrZr gË`m§'' øm H$mU`|Vw. BVa H$mU`mo gwÔm§{` AË`§V dmMZr` Amñg{V.

àËòH$ H$mUòMmo {df`w, Ame`w AË`§V àJë^ Amñg. AUH$mamZo CÎm_ H$m|H$UtVw Vmo dmMH$m§H$ nmdo{`cm. Ë`m{_Vt dmMH$ A§V_w©I OmÎmm{VAm{Z EH$ CÎm_ gm{hpË`H$ _yë`§ Am{eë`m H$mU`m§Mmo AmñdmXw Ko{Vë`mMmo AmZ§Xw Vm§H$m _oiVm. _wIn¥ð>mMo[a {cAmo Q>m°cñQ>m°`mJoc| g§wXa {MÌ Amñg. CËH¥$ï> Am{Z {ZXm}f N>nmB© h| øm nwñVH$mM| d¡{eï>ç åhUmoòX.

AUH$mamZo ~ao{`ë`m§ - ""Vw_H$m§ Oa Ë`mo H$mU`mo AmdS>ë`mo Omë`ma VmocñVmo`mMo Am^ma _mZmV. AmdS>ë`mo ZmV Omë`ma V| åhO| Xw~i|nU Ae| g_OmV.'' Q>m°c ñQ>m°`mJoco

Am^ma _mZMo{M. AUH$mamJoco{` Am^ma. H$mU`m§{M {ZdS>, CËH¥$ï> AZwdmX, g_¥Õ ^mg hmÁO| lo` AUH$mamH${M. CÎm_ gm{hË`mMr AZw^y{V {X„ocIm{Îma amd_må_mH$ YÝ`dmX! VmJoë`m hmÎmmZo {dnwc coIZ Omdmo hr g{XÀN>m!

EH$ AVyQ> JmoS> ZmV§........

gd© ZmË`m§da aMbr H$mìò, AmB©, ~m~m, AmOr, AmOm nU EH$ ZmVo Agohr Amho, Á`m{edm` OrdZmV Zmhr _Om

gm§Jy H$m Ë`mM§ Zmd?

~S>~S>JrVo åhUVm åhUVm Ë`mÀ`mM Jmdmbm Om`M§ AgV§ Ë`mÀ`m{edm` gwQ²>Q>çm§Zm CYmU H$Yr Amb§M ZgV§

_m_m eãX CƒmaVmo ~mbH$ C{eam nU ho ZmV§ Vmo _mÌ {Z^mdVmo Iam

_m_m åhUVmM Moha²`mda òV§ hgy Ë`mZo {MS>db§ H$s _mÌ Amåhr égw~mB© égy

gJio bmS> nwadVmo Vmo ^mMr ^mÀ`m§Mo gXm H$aVmo ~agmV nwñVH$, IoiUr, Mm°H$boQ> øm§Mo

Ë`mÀ`mgmo~V _Zgmoº$ {\$aÊ`mV AmnU a_Vmo Amnbr EHo$H$ AmdS> {ZdS> Vmo OnVmo

Oam {Xgbmo CXmg AmnUVa h_r XoVmo _r H$aVmo` Zm amIU

~mbnUmV ømM§ _mobM g_OV Zmhrb¾ H$ê$Z Xya Joë`mda AmR>dV§ gd© H$mhr

nU Vmo Amnë`mbm H$aV Zmhr Xya Omd`mbmM Odi H$am`Mm AgVmo Ë`mMm gya

g§gma \w$bVmo, {H$b{~bmQ> hmoVmo Vmo gdmªZmM Amnë`m KaQ>çmV gm_mdyZ KoVmo

Ë`m KaQ>çmV gmdbr XoUmar Ë`mMr Vr gmWrXma øm _m_tÀ`m ào_m_wio KaQ>o ~ZVo C~Xma

_bm _m_m§Mo ào_ {_imbo nmoQ>â _ZmV EH$ {dMma Ambm jUâ

Xodm, gdmªZm XoVmog EH$ AmB© Agm EH$ Var _m_m gdmªZm {_iy Xo, Aer àmW©Zm VwÂ`mR>m`r

pñ‘Vm ~idùir


Stanza 5Mbm§ H$ënVê§$Mo Amad& MoVZm qMVm_UtM| Jmd&~mobVo Oo AU©d& nr`yfmMo&&5&&Word by word meaning:Mbm§ Moving (not stationary) H$ëVVê§$Mo Of the

wish fulfilling tree Amad forests MoVZm Consciousness qMVm_UtM| wish fulfilling gemstone Jmd abodes (literally settlements, towns villages).

~mobVo Talking Oo ones AU©d Oceans. nr`yfmMo of Nectar &&5&&

Translation:These (saints ) are verily the walking gardens of

the wish fulfilling celestial Tree Kalpataru, they are the abodes of the (Supreme) Consciousness which verily is the gemstone Chintamani that removes one's all worries (qMVm), they are the Oceans of Nectar, (capable of) talking (to us). &&5&&

Comment:Now, Jnanadeva describes the saints. He says

they are the Mb meaning moving about (not AMb like Trees and mountains), wish fulfilling trees. Such trees are the legendary trees in the heavens. If one sits under a Kalpataru, whatever one wishes comes true.

Here, again there is a caveat. One should be pure in thoughts (which is alluded to in stanzas 2 and 3 above). There is a story that goes as follows. A person unknowingly sat under a Kalpataru. He was very thirsty and wished for a glass of cool water. Lo and behold ! A glass full of water appeared before him! Surprised, he whished for some food too, that too materialised. He then started worrying whether there was some demon (~«÷amjg) who was doing all this and would he appear before him and would he then eat him? Instantly the ~«÷amjg materialised and the end came of our hero of the story!

This story, in a way illustrates that, we should approach Guru with pure thoughts. Coming back

to the subject on hand, over and above being Kalpataru, these saints are verily the Chintamani, which is nothing but their consciousness. Now, Chintamani is a gemstone which takes away all our worries, they say. Thus it cornes to pass that when we meet our Guru, the evolved saint, or even when we contemplate upon Him, our worries disappear. Moreover, as the Kalpataru analogy above states that they are the gardens of Kalpataru, so are these saints the abodes of MoVZm qMVm_{U. Just see what an exalted a position is given to the saints, the sadgurus, by Jnaneshwara.

Beyond this, Jnaneshwara says they (the saints) are verily the talking oceans of Nectar i.e. when they talk, the nectarine words are issued from them. This is what we call A_¥VdmUr or dMZm_¥V. Is this not what we eagerly await when we look forward to the Amerd©MZ, by our PP Swamiji?

Jnaneshwara further elaborates in the following stanza,

Stanza 6:M§Ð_o Oo Abm§N>Z& _mVªS> Oo VmnhrZ&Vo gdmªhr gXm g‚mZ& gmo`ao hmoVw&&6&&Word by word meaning:M§Ð_o the Moons Oo which Abm§N>Z are without

blemish. _mVªS> the Sun Oo who are VmnhrZ without scorching heat.

Vo they (are the ones) gdmªhr to everyone to all gXm always g‚mZ good natured. gmo`ao dear relatives hmoVw will be.&&6&&

Translation:They are like the Moons without the blemish,

like the Suns without the scorching heat (and) may they become (like) near and dear relatives (through marriage) who are good natured, && 6 &&

Comment:Further, Jnaneshwara elaborates on the nature

of the saints. He says they are like the Moons, without their blemish (Please note the plural

Pasayadana: A prayer par excellence by Saint Jnaneshwara-3

kriShnananda mankikar


here, as Jnaneshwara refers to all the saints.). Seen from the Earth, the moon is seen with spots and shadows. Imagine if the moon were totally without a blemish, and we saw the full moon ever shining in her fulness on the full moon night, without the proverbial blemish of the moon, what a wonderful sight that would be! Thus is the quality of Saints. In keeping with the excellent similes that Jnaneshwara is famous for, he says (Imagine) the Sun without its heat but with all the brightness and light. We cannot withstand the Sun on a scorching afternoon summer's day, can we? Thus, is the quality of the saints- unblemished and cool, but radiating their lustre all around them.

While concluding the praises of the saints, Jnaneshwara says, the saints are like the near relatives who are good natured. Here the word used by Jnaneshwara is gmoào i.e. those who become your relatives through marriage. There is of course a qualifying adjective gÁOZ good natured. (May be,

he too was aware in his times of the relatives who were not so good as in-laws!) During the marriage ceremony and the relationships built thereafter, the good-natured families strive to ensure that the other side is well taken care of, all their needs are met and no inconvenience befalls them. They are extra solicitous, so to say. So are the saints to their devotees.

It is to be noted that out of the nine stanzas, three are devoted to the nature and the goodness of the saints, by Jnaneshwara. His basic prayer is over in the first two stanzas alone!

Two out of the concluding three stanzas are in the nature of \$blw{V, and the last one is the benediction by his Guru. We shall see these in our concluding instalment.

(To be continued....)

Comments/corrections most welcome on [email protected]

H$c H$aogmo AmO H$a!S>m°. gwZ§Xm H$Zm©S>, nwUo.

H$moUË`m{h H$m_mcm doioM§ Am¡{MË` AgV§, Oo H$am`cm hd§ Vo Ë`mMdoir Ho$c§ Va Ë`m§V {_iUma§ g_mYmZ H$mhr doJi§M AgV§. _Z{h {ZYm©ñV hmoV§. nU H$mhr OUm§Zm AmOM§ H$m_ CÚmda T>H$cÊ`mMr gd` AgVo. Ho$di Amig! Vmo Q>rìhrda AmdS>rMm H$m`©H«$_ ~KVm§Zm qH$dm {_Ì_¡{ÌÊ`m§er _mo~mB©cda ~mocVm§Zm dmQ>V Zmhr. "CÚm H$ê$' åhUyZ åhUUmar ì`º$s, CÚm BVa AZoH$ Jmoï>tV J§wVV AgVo Am{U nwÝhm EH$Xm "H$am`cm hd§ Vo H$m_' Vg§M amhV§.

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Here and There

Bengaluru : Guru Purnima celebrations: On the occasion of commencement of Chaturmasa Vrata there was an interesting talk by Dr. Smt Sudha Tinaikar on Chapter 18 of Shrimad Bhagavadgita, Verse 66: Sarva Dharmaan Parityajya Maamekam Sharanam Vraja. Guru Pujan was also held on this occasion followed by Ashtavadhana Seva and Prasad Vitaran.

Chaturmasa Programmes: On the occasion of Chaturmasa, Bhajan Seva was rendered by Shri Nagesh Heble, Shri Gautam Ubhayakar, Smt. Sunanda Sagar, Smt Ravikala Sirur, Smt Smita Baljekar, Chitrapur Bhajan Mandali, Guru Shakti Bhajan Mandali, Smt. Akshita Kallianpur & Students, Vijayanagar Bhajan Mandali, Anandashram Satsang Group, Smt. Shantini Yederi, Smt. Kavita Taggarshe and Smt. Vijaya Burde, Kum. Shreya Moodbidri, Shri Sunder Shiroor, Kum. Viha Nagarkatti, Smt. Sheela Nagarkatti , Kum. Saikrupa Nalkur and Shri Gurudutt Heble. There was an interesting talk on Shankaranarayana Geet by Smt. Malini Madiman.

Special Programmes: Nagara Panchami Puja and Upakarma for Panchamkaris was observed on 27th July. Rhug Upakarma was observed on 28th July.

Rebounder Sessions: A special training session on the rebounders at Bengaluru Math was conducted on 29th July by Smt Archana Kumta.

Regular activities: Samoohika Gayatri Japa Anushthaan was conducted on the 2nd, 4th and 5th Sunday along with the weekly Pujan on Mon/Thurs/Fri by Gruhasthas. The series of talks by Dr. Sudha Tinaikar continued.

Reported by Saikrupa Nalkur

Chennai : In April apart from the monthly Sadhana Panchakam, we had Bhajans & Puja on 4th April for Rama Navami and 25th April for Punyathithi of PP Parijnanashram Swamiji I. On 30th April, we had Guru Pujan, Bhajans and chanting of Shankaracharya Ashtottara.

May was a joyous month for the Chennai laity – much awaited visit of our Parama Pujya Sadyojat Shankarashram Swamiji from 2nd to 6th May 2017. On 2nd evening HH was welcomed with Purna Kumbha Swagatam. On 3rd noon there was Dharma Sabha with Aashirvachan and Pada puja. On 4th & 5th morning, we were blessed with Swadhyay by Swamiji, on “Guru Bhajana stotram”. On 4th PP Swamiji performed Shiva Pujan. On 5th, Dharma Sabha with Aashirvachan.

One evening we had cultural programme by Yuvadhara - a play “Gangavataran” complete with LED wall backdrop and special effects and the other evening Bhajans by Saraswat Mahila samaj.

Punyathithi of PP Shrimat Pandurangashram Swamiji was observed on 27th May with Bhajans. In June, we had our monthly Sadhana Panchakam. We performed Guru Pujan on 15th June – the Janma-dinotsava of PP Parijnanashram Swamiji III, this was followed by Bhajans.

Reported by Kavita Savoor

Mumbai - Bandra-Khar: 4th July 2017 was Aashadhi Ekadashi — Anand Bhajan Mandal, the bhajan group of Bandra-Khar Sabha, offered bhajan seva by singing Vithoba’s bhaktigeet and other devotional songs at Shri Anandashram Khar Math.

9th July was Guru Pournima - At Khar Math, Guru Poojan was performed by Rhea Trasi (from Prarthana Varga) and Amruta Ulman (from Yuvadhara), along with Ved Anand Ulman Bhatmam.

During the auspicious period of Chaturmas, devotees of our sabha again had the opportunity to offer bhajan seva at Karla Math on 20th July during Teerth Vitaran and Paduka Poojan.

On 28th July morning, Rg Upakarma Homa was held at Khar Math, where several purush devotees participated in the changing of janve ritual. Same evening, devotees met at Khar Math to do Sadhana Panchakam recitation, which is held regularly once every month.

Reported by Arun Talmaki

Mumbai – Dadar : 30 of our sadhakas visited Karla on 14th and 15th June to join in the Janmotsava celebrations. The Dadar Sabha prahar saw our sadhakas offer a melodious Bhajan Seva in the Sannidhi of Pujya Parijnanashrama Swamiji and Devi Durga Parmeshwari. On 2nd June and 7th July sadhakas performed Devi Anushthanam at Shri Arun Chandavarkar’s residence. On 6th June, a Swadhyaya on the 10th adhyaya of the Bhagawad Gita was conducted. Practice for the Bhagawad Gita recitation competition has begun in full swing. Mitali Puthli conducted the practice sessions on Saturdays for yuvas for shlokas from chapter 11 of the Gita. Along with regular Prarthana classes, Smt. Shobha Puthli conducted sessions on Sanskrit Manache Shloka, Hanuman Chalisa and Bhagawad Gita for the children. On 27th June and 18th July, our sadhakas participated in Swadhyaya on Guru Bhakti Stotram.

Sanskrit Katta was held on 14th July and some of our sadhakas took this opportunity to polish their conversational Sanskrit. Owing to the lunar eclipse on Shravan Poornima, Rug Upakarma was held at MMM hall on 28th July from 7 to 8 am. Several sadhakaas participated in the Yajnopavitam changing ceremony & Homa.

Reported by Mohit Karkal

Mumbai – Goregaon : Ninada training session


was held for the laity at Masurashram on 22nd January. The session was conducted by the Central Ninad Team. The training session was followed by the telecast of the Ninada session conducted by P.P. Swamiji at Santacruz on 18th December,2016 The session was attended by around 80 Sadhakas with healthy participation by Yuvas as well.

A follow up session of Ninada was held on 29th January, 2017 in two batches. The first batch was arranged for newcomers and Yuvas, while the second was for those who had already attended on the 22nd. These sessions also saw encouraging participation from repeaters and newcomers alike.

Samaradhana of H.H. Shrimat Shankarashram Swamiji II was observed on 30th January with Guru Pujan being performed by Sadhakas.

Mahashivaratri was celebrated with Panchamrut Rudrabhisheka and Bhajans on 24th February.

Ugadi was celebrated on 28th March at Masurashram. The program began with Samuhik Prarthana for the Chandika Homa . This was followed by Devi Anushthana by Mahila Sadhakas Gayatri Anushthana by Purusha Varga and a session on Ninada. Panchang Vachan was done by Ved. Yogesh Honavar Bhatmam followed by Panak Panwar. This was followed by Samuhik Kumkumarchana and Lalita Sahasranama chanting. The Pradhana Homa was being performed simultaneously. This celebration was graced by President Standing Committee Shri Praveen Kadle Maam and Smt. Chetana Kadle Pacchi. Praveen Maam later addressed the laity where he spoke about the various Math projects that focused on Women empowerment, education etc. He also touched upon the importance of Vantiga and explained its significance. Praveenmam highlighted the importance of Sanskrit . He further informed about Sanskrit courses being conducted by our Math and these courses being appreciated by people outside our community. He further emphasized the importance of Prarthana Varga where our kids are being nurtured with samsakars.

The Pradhan Purnahuti of the Homa was offered followed by a cultural program of Prarthana Varga kids of Goregaon Sabha. The program consisted of Bhajan seva, Sanskrit storytelling, recitation of Bhagavad Gita shlokas and a group dance. This was followed by a program of Yuvas on the life of Shri Adi Shankaracharya comprising of Bhajans with a commentary by them. Both the programs were very well received and appreciated.

Ram Navami was celebrated on 4th April with Bhajan seva being offered by Sadhakas. The celebrations were carried out with Rama Janma being observed at 12 in the afternoon by placing an idol in a cradle. The celebrations concluded with Prasad Bhojan.

Reported by Pranav Nagarkatti

Mumbai – Santacruz : Venue: Shrimat Anandashram Hall, Saraswat colony

On 11th August, 2017 Santacruz Sabha had arranged for a Bhajan programme, by ‘ Parijnan Bhajan Mandal ‘ to observe the Punyatithi of HH Shrimat Parijnanashram Swamiji III.

Melodious bhajan seva was offered by them to a hall full of devotees from near and far. The evening concluded with Deepa Namaskara and Mangal arati.

On every 2nd and 4th Sunday, our Purush Varga devotees perform the Gayatri Anusthan at 9am. This is well attended by over 25 devotees each time.

Reported by Kavita Karnad

Our InstitutionsThe Saraswat Mahila Samaj, Gamdevi

The yearly Gokulashtami “Mhantyo” programme was held on the 9th August 2017 in the Samaj Hall.

Savita Padukone who has for the past many years conducted this “Samuhik Mhantyo” with aplomb, led the singing this year too. It was a marvel to watch her and all present joining her in singing the same and creating “Gokul” in the Samaj. Shamala Mavinkurve ably supported her on the harmonium and Gautam Mavinkurve on the tabla.

They were introduced by Vijayalaxmi Kapnadak and the Vote of Thanks was proposed by Vidyalaxmi Kulkarni. This was followed by Panchakdayi Prasad in memory of Smt Laxmibai Belthangady and tasty refreshments sponsored by Smita Mavinkurve in memory of Smt Sulochanabai Kati and Smt Mirabai S Mavinkurve.

Reported by Geeta Suresh Balse

Forthcoming Programmes Sun. 10th Sep. 2017 at 10 am at Bharatiya Vidya

Bhavan Hall, Chowpatty – Grand Finale of our Centenary Celebrations

Fri 15th Sep. 2017 at 3.30 pm at the Samaj Hall - Annual General Meeting

Sat. 23rd Sep. 2017 at 3.30 pm at the Samaj Hall - Navratri Celebrations – Sugam Sangeet by Ruhi Kudyadi. Prasad sponsored by Smt. Suman Kodial.

Oops - we have made a mistake. In our July 2017 issue on page 45 under the title Donations to Saraswat Mahila Samaj - Sitabai Padbidri Distress Relief Fund the following has been printed -Priya & Santosh Bijur (in memory of Smt. Muktabai & Shri Gopalkrishna Mangalore) Rs. 1,00,000/-The line should be read as :Priya & Santosh Bijur (in memory of Smt. Muktabai & Shri Gopalkrishna Mangalore) Rs. 25,000/-

We regret the error ...Editor


CLASSIFIEDSMATRIMONIAL

Alliance invited for I Saraswat girl, an MBA graduate working in a PR company in Bangalore; Age 25 years. Contact no. 9727717912/ 9512950011

Thirty-year old, good-natured, CSB boy who has done Masters in Mechanical Engineering and is working in USA (North West), seeks a pleasant, good-natured partner (preferably studying, working or residing in USA). Please respond with personal details and photo to [email protected]

FLAT FOR RENT1 BHK with terrace, 4th floor flat, no lift, at LIC Colony Borivali (W) for rent. Contact 9819733975.

PROPERTY FOR SALEPlot 30sqft by 100 sqft with house of 3000 sqft. including upstairs surrounded by coconut Jackfruit mango, deevkadgi and banana trees plus open space of 30by 50 ft in front is for sale at 6th cross Malleswaram. Interested parties please contact 09845981751 or mail to: [email protected].

PROPERTY FOR SALEHouse property 3BHK BUNGLOW 1400 sq.ft on site, 1650 sq.ft at Anant Nagar society, Hosur road, near Electronic city Bangalore for sale. Interested parties contact: cell no 09619581478 / 09322289570email id : [email protected]

FLATS FOR SALEAt Mandapeshwar Kripa, Borivali (West), 3 BHK, 1400 built up. 5th Floor with lift, rate 2.30Cr, full cheque payment, one car parking facility. Please call- Vinod Talgeri- 9819656030, 022-24314034

At Kuber Bhavan, Borivali (West), 2BHK, converted 530 carpet, 2nd floor with lift, rate 1.25 Cr, full cheque payment, one car parking facility. Please call- Vinod Talgeri- 9819656030, 022-24314034

RELEASE OF ‘SHRIMAD BHAGVATAMRUTAM’ (KONKANI)

We are happy to announce the release of ‘Shrimad Bhagvatamrutam’ (Konkani) series on ‘You Tube.’ Just click ’Chandrama Bijur’. There are total twelve skandas and one Mahatmya. So Happy Shravanam!

MONSOON OFFER & Discount for Senior Citizens. Sales & Service of Desktop Computer (Branded/Assembled), Laptops, Peripherals. Contact (Mumbai): Abhay Talmaki - 8080151572, 7021201371; email:[email protected]

DOMESTIC TIDINGSMARRIAGE

We congratulate the young coupleAug 12 : Maithili Ajit Gokarn with Shonit Girish Sajip

at Mumbai.OBITUARIES

We convey our deepest sympathy to the relativesof the following:

May 29 : Ramesh Dattatreya Chandavarkar (80 ) at Virar.

Jun 8 : Shreemati Shankar Turme (nee Hegde) (92) of Kaikini at Talmakiwadi, Mumbai.

Jul 6 : Ramchandra Rao Betrabet (75) at Udupi.Jul 15 : Charudatt S Kowshik (84) of Hubli at

Bangalore.Jul 25 : Suman Shirali (84) at Andheri (E), Mumbai.Jul 26 : Indira Umesh Shibad (90) of Talmakiwadi

at Goregaon (W), Mumbai.Jul 27 : Lakshmibai Subray Balwalli (86) at

Bankikodla.Jul 30 : Prakash Ulpe (64) at Goregaon, Mumbai.Aug 2 : Hemkar B Kalavar (83) at Bandra, Mumbai.Aug 3 : Satish Vithal Basrur (79) of Mumbai at

Pune.Aug 3 : Bhaskar R. Haldipur (99) at Bangalore.Aug 5 : Shashikala Karkal (87) at Vakola Mumbai.Aug 5 : Anjan i Ramdas Nadkarn i (82) at

Talmakiwadi, Mumbai.Aug 9 : Satish Ramdas Nadkarni (76) at Bangalore.Aug 9 : Yeshwant Gopal Yellore (70) at Goregaon

(East), Mumbai.Aug 10 : Shantkumar Udyavar (79) at Udipi

(Karnataka).Aug 12 : Suresh Laxman Kati (85) at Mumbai.Aug 13 : Sharad Subrao Divgi (83) at Pune.Aug 15 : Lila Dattatrey Nilawar (96) (of London) at

Mumbai.Aug 20 : Yeshwant Sunder Moolky (89) at Santacruz

Mumbai.

Shri Chitrapur Math Mumbai (Grant Road) Local Sabha

announcesShrimad Bhagvadgita Recitation

Competition 2017

Shlokas for recitation:Adhyaya 11, from 42 to 55 (14 Shlokas)

Shlokas for Abhivyakti and date of the competition will be announced later.

September 2017 KANARA SARASWAT 78

With Best Compliments From

Printer & Publisher – Smita Prakash Mavinkurve on behalf of Kanara Saraswat AssociationPrinted at SAP PRINT SOLUTIONS PVT. LTD., Shankarrao Naram Path, Lower Parel, Mumbai - 400013, Maharashtra. www.sapprints.comPublished at Kanara Saraswat Association, Association Building, 13/1-2, Talmakiwadi, Near Talmaki Chowk, J.D. Marg, Mumbai 400007Editor – Smita Prakash Mavinkurve RNI 61765/95

RNI 61765/95Postal Registration No. MCW/75/2015-2017

Published on 1st of every monthPosted at Patrika Channel Sorting office, Mumbai 400001

Posting Date : 1 & 2 of every month

vol. 22 issue 9 mumbai suptember 2017 pages 80 price 20

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