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Notice of AGMs of Bhagnari Welfare Society and Shree Bhagnari Panchayat

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Following are Notices of Annual General Meetings of Bhagnari Welfare Society and Shree Bhagnari Panchayat, due to be held on Sunday 13.11.2022. Notice of Annual General Meeting of Bhagnari Panchayat Trust, due to be held on the same date, will be posted shortly. Please note that the notices along with enclosures have been sent to the registered email ids of the members and the same are not included in this post.

Lachmandas Gehi, President, Shree Bhagnari Panchayat

Ramesh Poplay, Chairman, Bhagnari Welfare Society

BHAGNARI WELFARE SOCIETY

F BLDG, KATARIA COLONY, 233, V S MARG, MAHIM, MUMBAI – 400016

(Reg. No. F3197)

5th October, 2022

Notice of Annual General Body Meeting of Bhagnari Welfare Society for the year 2021-22

Annual General Body meeting of Bhagnari Welfare Society for the year 2021-22 will be held on Sunday 13th November, 2022 at 11.30 a.m. If there is no quorum till 12 Noon, then the meeting will be convened with the members who are present at that time.

Venue: Shree Bhagnari Panchayat Hall.

Agenda for the meeting:

  1. Pass the minutes of the last meeting held on 20th March, 2022.
  2. Review and pass the auditor’s report and the accounts of the Society for the period 1.4.2021 / 31.3.2022
  3. Appoint auditors for the period 1.4.2022 / 31.3.2023
  4. Review the report of the Society’s activities during the period 1.4.2021 / 31.3.2022
  5. Elect Chairman, Secretary and Treasurer for Bhagnari Welfare Society.
  6. Any other business (see note below)

Nomination forms for the elections to the posts of Chairman, Secretary and Treasurer of Bhagnari Welfare Society are available in the Society’s office between 11 a.m. and 12 Noon on any Monday, Wednesday or Friday. The last date for filling the nominations is Monday 7th November 2022. The last date for withdrawing the nomination is Wednesday, 9th November 2022.

Note: If any member wishes to raise any query on the accounts or discuss any other matter during the AGM, the same should be notified at Society’s office latest by Wednesday, 9th November 2022.

Ramesh Poplay

Chairman

Managing Committee:

Arjan Wadhare – Secretary, Laxman Jham – Treasurer

Lachmandas Gehi, Arjan K Lal, Satish Nasta, Naresh Nasta, Lalit Jham and Niranjan Nasta – Members

Vishnu Nasta and Subash Bhagnari – Co-opted members

Enclosures: 1) Minutes of the previous AGM, 2) Report of Society’s activities, 3) Auditor’s Report,

 4) Balance Sheet and 5) Statement of Income & Expenditure

Note: This notice and the enclosures are being sent through email to the member’s email address registered with us. They are also being published on the website ebhagnaris.in. If any member wishes to receive a hardcopy of the minutes, the same can be obtained from our office. 

x-x-x-x-x-x-x-x-x

SHREE BHAGNARI PANCHAYAT

F BLDG, KATARIA COLONY, 233, V S MARG, MAHIM, MUMBAI – 400016

(Reg. No. – E16996)

5th October 2022

Notice of Annual General Body Meeting of Shree Bhagnari Panchayat for the year 2021-22

Annual General Body meeting of Shree Bhagnari Panchayat for the year 2021-22 will be held on Sunday 13th November, 2022 at 12.30 p.m. If there is no quorum till 1.00 p.m., then the meeting will be convened with the members who are present at that time.

Venue: Shree Bhagnari Panchayat Hall.

Agenda for the meeting:

  1. Pass the minutes of the last meeting held on 20th March 2022
  2. Review and pass the auditor’s report and the accounts of the Panchayat for the period 1.4.2021 / 31.3.2022
  3. Appoint auditors for the period 1.4.2022 / 31.3.2023
  4. Review the report of Panchayat’s activities during the period 1.4.2021 / 31.3.2022
  5. Any other business (see note below)

Note: If any member wishes to raise any query on the accounts or discuss any other matter during the AGM, the same should be notified at Panchayat’s office latest by Wednesday, 9th November, 2022.

Lachmandas Gehi

President

Managing Committee:

Ramesh Poplay – Vice President, Arjan Wadhare – Secretary, Laxman Jham – Treasurer

Arjan K Lal, Satish Nasta, Naresh Nasta, Lalit Jham and Niranjan Nasta – Members

Vishnu Nasta and Subash Bhagnari – Co-opted members

Enclosures: 1) Minutes of the previous AGM, 2) Report of Panchayat’s activities, 3) Auditor’s Report,

 4) Balance Sheet and 5) Statement of Income & Expenditure

Note: This notice and the enclosures are being sent through email to the member’s email address registered with us. They are also being published on the website ebhagnaris.in. If any member wishes to receive a hardcopy of the minutes, the same can be obtained from our office. 

The Reserve Bank of India’s Card Tokenisation Rules are Live. What does it mean for you ?

The Reserve Bank of India – the Apex body of Banks & financial Institutions in late 2021 had published a notification establishing rules for Merchants, Payment Processing Partners, Banks & Card Network Companies regarding the tokenisation of debit/credit cards that were being stored as per the card on file on merchant websites & portals.

The deadline was revised 3 times from 1st January 2022, 1st July 2022 to now 1st October 2022 which now is the day that the Rule has finally gone live.

What was the reason for the RBI to take such a step?

India has always aimed to be a digital economy, with predictions to be a 5.3 Trillion Dollar Payment economy by 2025. Post the ban of 500 & 1000 Rupee Notes in 2016 and the Covid Pandemic in 2020, the use of Digital Payments had a major spike and with that also came an increased risk of Cyber Financial Frauds which had accounted to the value of 5 Lakh Crores in the last 5 years.

The Reserve Bank wanted a method to secure consumer’s financial details like cards which are stored by consumers on merchant sites like Zomato, Flipkart, Microsoft, Google etc for their convenience but would not be compromised incase of a data breach or hacking of these websites.

Hence this was followed by the move of card tokenisation.

What is Card Tokenisation?

let’s take an example to explain the concept of card tokenisation :

  1. suppose you are a netflix subscriber who has subscribed to a plan of Rupees 499 a month,
  2. now to pay for this plan Netflix shall ask for your card details i.e. Your Name, 16 Digit Card Number, Expiry date & 3 Digit CVV(4 Digits in case you use American Express),
  3. once you enter the card details and authenticate the transaction, every month on a specified date Netflix shall auto debit the sum of Rupees 499 from your card.
  4. also its a notable point that Netflix has the card details stored with them.
  5. once tokenisation comes into play your 16 Digit Card number, Expiry date, CVV along with your name will get replaced with a Unique token Number, as an example let’s take the token number as 12345678(it can be alphanumeric as well) which would mean that netflix would no longer have your card details, but only the token no 12345678 and your information gets encrypted i.e. stored in the token.
  6. This would apply to all online merchants where you would be transacting viz Flipkart, Amazon, Zomato, Swiggy, Bigbasket, JioMart etc.
  7. Unique Token Numbers will be generated on each merchant Website for the same credit/debit card

How Safe is Card Tokenisation?

Since a token number is encrypted and card details are stored within them, it would be conclusive that tokenisation is safe as it would take a lot of time for any hacker to decipher details, another point to add is that each merchant will generate a separate unique token for the same card, hence one can be rest assured that their financial information is safe online.

Is Card tokenisation mandatory?

Card tokenisation is not mandatory for consumers like you and me but is mandatory for merchants to store card details in Token Form only.

Consumers need not opt for the same, however each time card details will have to be entered while a transaction is being made.

What happens to cards already saved at merchant websites?

The RBI order directs merchants to delete all card details that have not been tokenised on or after September 30, 2022. Hence you may find all your saved cards to have disappeared from your favourite online shopping sites.

Impact of tokenisation on Recurring Payments ?

While it is said that tokenisation is not mandatory for a consumer, it will eventually be mandatory for recurring payments on platforms like Netflix, Amazon Prime, Google, Microsoft etc as these platforms work in such a mechanism that payments have to be auto debited via linking of cards, so a consumer will have to tokenize the card in order to avoid service disruption.

How can one opt into the scheme of card tokenisation?

While performing a transaction online, an option shall appear to “Save Card as per RBI Guidelines”, Clicking the checkbox on that option will convert your card into a token and save the same on the merchant website and shall be visible to you on your next transaction with the same merchant.

Conclusion

While most of the Western Countries do not have such strict rules in regards to their financial system, it was an expected move from the Reserve Bank to secure and safe guard the financial position of consumers in India.

While this move is not welcome by many and may tend to cause disruptions with many businesses and consumers, it is the need of the hour in this country where cyber frauds are on the rise.

Do let us know your views in the comments below.

When will 5G launch in India? Will Your Phone work with 5G in India? Should you adopt 5G instantly?

Change is inevitable, it is happening all the time, read on to find the latest updates in the Telecommunications era :

5G has been the most debated topic in India since the Spectrum auctions which were held in the end of July 2022, which turned out to be the largest spectrum auctions in India till date.

The Government has sold spectrums worth 1.5 Lakh Crores which covers approximately 71% of the total spectrum. The Telecom Minister Ashwini Kumar said the spectrum sold was ideal to provide good 5G Connectivity across the whole country.

The highest buyer was Jio who had spent approx. 88,078 Crores and bought overall 24.7 GHZ Comprising of 700 MHz, 800 MHz, 1800 MHz, 3300 MHz and 26 GHz bands. Airtel on the other hand ensured to acquire the maximum spectrum and shelled out approx. 43,084 Crores and bought overall 19.7 GHZ Comprising of 900 MHz, 1800 MHz, 2100 MHz, 3300 MHz and 26 GHz bands.

Vodafone Idea who was expected to be a low key player also bought a spectrum of overall 6.2 GHZ by Spending approx. 18,799 Crores comprising of 1800 MHz, 2100 MHz, 2500 MHz, 3300 MHz and 26 GHz bands.

This year’s auctions also had a new participant i.e. Adani who purchased spectrum in the 26GHZ Section for 212 Crores and thereby aims the use of 5G in the B2B sector spaces like Airports, Railway Stations, Ports etc.

How can one identify, if their phone is compatible with the auctioned 5G Spectrum?

Each Smartphone sold with the 5G Tag today will have some bands assigned to it, these bands are nothing but the technical terms for the spectrum frequency,

the below conversion chart defines the 5G bands available today against the network frequencies.

5G bandsFrequency range
n12100MHz
n31800MHz
n5800MHz
n8900MHz
n28700MHz
n402300MHz
n412500MHz
n71600MHz
n773300-4200MHz
n783300-3800MHz
n25726.5GHz-29.5GHz
n25826GHz(24.25-27.5 GHz)
n26037.0GHz-40.0GHz
n26127.5GHz-28.35GHz
5G Spectrum to Phone Bands Conversion Chart : Courtesy : XDA Developers

A Combination of at least 5-6 5G Bands must be supported by your smartphone to ensure you have optimal 5G Connectivity.

5G Launch Date in India ?

Airtel has already announced that 5G Services will go live in India on or before the end of August 2022, Jio also is rumoured to be launching 5G Services on 15th August i.e. 75th Independence Day of India.

Vodafone Idea has remained Silent on the launch of 5G Services from their end, however it is expected that VI will launch 5G on or before the end of 2022.

Which Cities will 5G first Launch in ?

5G will launch in 13 Cities initially, however this is also expected to be a phased launch. Metro Cities are said to be the 1st key recipients of 5G services.

The 13 cities are Ahmedabad, Bengaluru, Chandigarh, Chennai, Delhi, Gandhinagar, Gurugram, Hyderabad, Jamnagar, Kolkata, Lucknow, Mumbai and Pune.

it is expected that by March 2024, Maximum parts of the country will have 5G deployed & available for use.

Will there be a need for new SIM Cards once 5G goes live?

The 5G Standard being deployed across the globe is Non Standalone 5G which is based on 4G Infrastructure(Compatible with Forward Generation Technologies) which is cheaper compared to the Standalone 5G infrastructure, In India the 5G being deployed is 5Gi (an Indigenous Sub Standard of 5G) which is based on the Non Standalone 5G, hence it does not look likely that users will need a new SIM Card to access 5G Services as the old 4G Sim Cards are forward generation compatible.

Effects of 5G on your Smartphone’s battery life?

5G being a very efficient & a powerful network which can provide blazing fast speeds will tend to be high power consuming technology and thereby significantly reduce the battery life of smartphones, to add Smartphones there has not been a significant testing from the manufacturers due to unavailability of the 5G Network in many corners of the world.

Many Smartphone makers like Apple have resorted to addition of a feature wherein the smartphone turns to 5G Networks if there is a heavy task load initiated by the user, else the phone stays on 4G Network on Standby or on lite usage.

5G Pricing & Plans?

5G plans in India are expected are to be priced lowest compared to the world, however in india consumers may face a 10-12% hike in prices in comparison to the current 4G Plans but may also coincide with the 4G Plans in Future as the technology matures.

Should you adopt 5G instantly?

Or

Should you continue with 4G?

This is a very relative question varying from individual to individual, if you are a low key consumer, 5G will not make much of a difference, however if you are a high end consumer and 5G is available in your city, you must adopt the same, it will enhance your user experience and reduce the time consumed for your deliverables.

The end decision lies with you as a consumer.

Assaan Bhagnari Assaan Bhagnari by Late Shri Parshotam Kamra

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We have found a gem from Panchayat office files. It’s a poem about Bhagnaris, written in Bhagnari by Late Shri Parshotam Kamra in around year 2000. The poem also carries a covering message, titled Bhagnari Tavareekh, i.e. Bhagnari History. Both are reproduced here as written by him, in chaste Bhagnari language.

BHAGNARI TAVAREEKH

Pooj Panchon, Mukhi Saheb, pyaare braao, beryaan aaoon mataaon. Main tusaandhe samoon Bhagnari niyaat dhee Tavareekh budhavan kanon aval, eeyo aakhan zaroori samajdhaa haan, jo main aapni jeeejal mata dhe vaaton budha haa, jekaa naseebein naal asaandhe paale Mukhi Shri Moorajmal Makar dhee niyaani haee. Aakhendhee haee ta asaandhe vadey Balochi Hindu Pathaan hun, jeke Balochistan dhe dhakhan vich Bhag naale wale gaon dhe rahvasi hun. Uthan Nari naale dhee nadhee vaoondhee haee. Eevein Bhagnari naalaa piyaa. Atkal 125 saal paalon Afghaan lutere, jekoon asaandhe vadey Hur sadendhe hun, uthaan aa kaney loot-maar aaoon rahzan machaaee. Hinee zulmein kano tang aa kaney, kutch kutumb, aapat vich mil kaney medee maataa dhe chaache Shri Chainamal dhee sarparsti naal ekka kar Karachi nagar achee vasaayune aaoon yak musht thee kaney, hik paadey vich rah kaney Bhagnari Panchayat dhee shuruvaat Chainamal dhe nande braa Shree Moorajmal Makar koon aapnaa mukhi choond, navein sar aapnee zindagee shuru keetune.

Eeyo Bhagnari Padey dha raaj, lugbug munee sadhee taeen 1) Mukhi Shri Moorajmal, 2) Mukhi Shri Shamdas Sapru, 3) Mukhi Shri Takandas Kataria, dadey shaan maan aaoon dhabdhabe naal guzaariya.

Par kudrat koon biya kutch manzoor haa, jo 1947 dhe Hindu Muslim batwaare waqt Karachi chhod, achee Mumbai vasaaee, par pyaar aaoon ekka uvo saghya ithaan aa kaney, aghey kanon bi aghraa Bhagnari Paadaa Shri Takandas Kataria aaoon Mukhi Shri Harkishindas Gehani dhee sarparsti vich asaandhee yak mushtee koon chaar chaandh laghaae.

Eevein waqt guzar giyaa, aaoon hein adh sadhi vich asaan koon Mukhi Takandas Kataria kanon pichey, Mukhi Shri Harkishindas Gehani, Mukhi Shri Kanayalal Nasta, Mukhi Shri Issardas Kanar, Mukhi Shri Sugnomal Gehani jerey mahirdhaar mildhe giye. Aaoon honey Mukhi Shri Naraindas Talreja jaen asaa koon We Bhagnaris dhaa naaraa de kaney asaandhaa ekkaa aaoon piyaar aauj te rasaya hey.

Hein piyaar kanon mutasir thee, main, Parshotam Shewaram Kamra, tusaandhe saamoon Bhagnari Tavareekh babat kuch veechaar, heen gaane dwaaraa tusandhe samukh pesh karendhaa haan.

Assaan Bhagnari

(Akhar aaoon tarz Parshotam Shewaram Kamra)

DIL DHE SHAH AAOON SHOKH TABIYAT PIYAAR DHE POOJAARI

KADAM TAAL TE HIKDEE GHAAL TE HALDE NAR-NARI

ASSAAN BHAGNARI ASSAAN BHAGNARI

MULK ASAANDHA BHAG HEY JITHAAN VASDHEE HE NARI

VADEY ASAANDHE AAYE KARACHI KARAN VANJAAREE

HUDH DUKHEE TA AVAL KANO HAN DIL DHE HAN SACHAAR

ROZI-ROTI KAMAAVAN DHAA KEETUNE VEECHAAR

GOTHEE BALOCHI, SHAHAR VASAYA, THEE GIYE VAAPAARI

ASSAAN BHAGNARI ASSAAN BHAGNARI

HIK PARIVAAR BANAKAR BHAGI, HIK PAADE VICH VAS GIYE

MEHNAT DHEE KAMAAEE KAR KHUSHBOO WAANGUR RUS GIYE

YAK MUSHTI DHAA EEYO MISAAL SAJEY NAGAR VICH PALA

DAKDHE HAN SHEEDHEE MAKRAANEE AAOON PISHOURI LALA

MUSHKIL HAR ASSAAN THEE GAYI SHURU THEE DUNIYAA-DHAARI

ASSAAN BHAGNARI ASSAAN BHAGNARI

HINDU MUSLIM BATWAARE TE KARACHI CHHOD ACCHI HIND VASAAYAA

HIMAT BARIYAA, HOSH SANWARIYA MUKHI TAKANDAS KATARIA

AGHEY KANON BI AGHRAA BANYAA HEY BHAGNARI PAADA

SUKHYE SATABHE SABAAEE THIYE, EEYA BARKAT DHEE HE DHAARAA

GEHANI DHAA GUSAA PIYAA GUNDYEIN TE DADAA BAAREE

ASSAAN BHAGNARI ASSAAN BHAGNARI

HALL BANYAA, MANDIR BANYAA AAOON SATSANG DHEE DHOOM MACHI

HUR DEEN TE HANGAAMAA THIYAA AAOON HAR HOLI TE NYAT NACHEE

SAI PARIVAAR AAOON MAHILA SATSANG BHAJNEN DHAA HEY RANG LAGHAAYAA

HAR TEVHAAR KOON MUKHI SAHEB, SACHEE LAGAN NAAL SAJAAYAA

KRISHIN, SAI, SHANKAR, MATA, GANPATI DE PUJAARI

ASSAAN BHAGNARI ASSAAN BHAGNARI

ADH SADHEE KANON KURB PIYAAR DHEE DE-VATH ASSAAN HALAEE HEY

BOLI ZINDA RAVEY ASSAANDHEE, EEYA SACHI KAMAI HEY

SAI KAREY SABEE VADHIN VEEJIN, ANJAAN VADHAAVIN PIYAAR

AAS EEYA HEY PARSHOTAM DHEE VADYEIN DHAA CHAAVIN BAAR

NANDEY VADYEIN DHAA MAAN KARIN JEEVEN DEKHE DUNIYAA SAARI

ASSAAN BHAGNARI ASSAAN BHAGNARI

DIL DE SHAH AAOON SHOKH TABIYAT PIYAAR DHE POOJARI

KADAM TAAL TE HIKDEE GHAAL TE HALDE NAR-NAARI

ASSAAN BHAGNARI ASSAAN BHAGNARI

PARSHOTAM SHEWARAM KAMRA

Happy Friendship Day – Deepa (Laji) Bhagnari

Another day to celebrate…we humans try to find happiness in so many different ways, so we have created festivals like Diwali, Christmas, Holi, Raksha Bandha, Eid, Easter and many more, but maybe there was still a void, so we look forward to special days like Independence Day, Republic Day, Mother’s Day, Father’s Day, Teachers’ Day, Valentine’s Day, Daughters Day, etc. and last but not the least – Friendship Day.


Friendship Day apparently was created in the fifties by the owner of Hallmark Greeting Cards but since it was thought to be a gimmick to enhance the sale of greeting cards it was soon forgotten. Then later in 2011 The United Nations announced July 30th as Friendship Day to grow cooperation between people and to overcome barriers between people and countries. But different countries celebrate Friendship Day on different days of the year. In India, we celebrate it on the first Sunday of August every year. This time it is the 7th of August. So Happy Friendship Day to everyone.


Personally, I feel every day is Friendship Day, because one needs a friend every day – it could be different friends for different day, as each friend possesses a different talent or characteristic, you may need one friend on some day to confide in and on another day another friend to seek some advice on a particular topic, which he/she is good at – so definitely every day is a friendship day.  

Friends are not inherited …you choose them…so definitely one tries to choose only those whom we feel we are comfortable with…who are trustworthy, who are likeable and share common interests…though of course, when you have a group of friends there is always a chance you may not see eye to eye with some, but then if it’s a group, one does not usually interact too much with them one to one level.

Well coming to myself, I feel lucky to have so many good friends. I remember, I entered Kataria colony in 1961 and in some time, I got friendly to a group of friends and from then till now our friendship has blossomed and we are all still going strong – in fact we call ourselves the Golden Girls…Touch Wood. As I live in Dubai I cannot be a part of their monthly kitty, but once in Mumbai I make it a point to go for the kitty, so that I meet all my dear friends…and even though we meet after a long gap, I still feel I have met them just yesterday as we have our group chat where we all connect – Thank You WhatsApp…you are a blessing…Thank you my GG gang, I love you all. May our friendship continue till our last breath. 🙏


Then after marriage I came to Dubai where again I was fortunate to get a lovely group of friends. We have all been friends from the 70’s till now…we used to go to picnics…outings as our children were young and now with all our children married and happy in their lives, we still meet for dinners or movies and parties…so I really thank God for blessing us with true friends.

True friends are those whom you can call at 3 a.m, in the night for help and your call is answered…then there are friends you may not be in touch with for some time as we live in different countries, etc. but we will not hesitate to pick up the phone and call just to say hello…how are you?  There is no ego issue. Nowadays friendship in some case has a different meaning altogether because of the newly developed social platforms, which are both a boon and a bane. There is Facebook, Instagram, Twitter, WhatsApp, etc. People often confuse themselves by assuming they have say 700 or whatever number of friends on FB…so they think they are surrounded by friends – well I myself have 634 friends on Facebook and mind you I never accept any friend request randomly – I still think the number is ridiculously high…are they really all my friends?  Of course, not…they are just people I know or I have met once or maybe never but they are still on my list of friends…as some are friends of my friends…So one should not feel elated about the numbers on your FB or Insta, etc…I too follow so many celebrities and Michelin Chefs, etc., but that does not make them my friend.  It is better to have a few good friends…someone you can count on through thick and thin rather than hundreds whom you can’t even converse with.

Personally, I have seen so many different groups of friends who have been – you can say Forever Friends – in our very own beloved Kataria Colony…whenever I am in Mumbai I go to the colony…sit on the bench with my sisters Lata, Asha, Geeta Kanar, Vaso, Sabita and whoever else can come from the group…it is such a pleasure to be with them. I also see different groups around me…Babo and Ritu…Geeta and their group…Hema, Kusum and their group…and the big group of Usha, Neeta, Sabita, Laj, etc. and many others …then my sister Kiran, Kiran Jani, Sujata, Shraddha, Dolly etc. Really, I love to see all this camaraderie around me…then I feel the world is a good place to live in. 😊


But I think your parents can be your friends…your siblings can be your best friends; your children can be your friends. I think friendship exists everywhere; we only have to learn to value it.  And value it soon as in the course of this journey called life, we have lost some dearest of our friends, whose loss will always be a void in our life. They have left their footprints on our hearts – never to be erased….so if one has for some silly reason had a tiff or whatever, try to mend your relations…it is never too late…or one may be left with regrets.

Happy Friendship Day to everyone…my lovely family…my cousins, my friends and my acquaintances…love you all. 

Bhagnari Bulls Roar

Following the success of Bhagnari Bulls WhatsApp group, whose membership is about to touch 200, a seminar on Fundamentals used for investing in the Stock Market was organised on Sunday 17th July 2022


Upon completion of presentation by the panelists, a highly interactive Q&A session gave ample opportunity to the attendees to clear their doubts on Fundamentals of stock market.


The online seminar was initiated and very well moderated by Kishore Lulla. A panel of experts, comprising of Deepak Kamra, Lalit Jham, Jaiprakash Rochlani and Satish Mehta, gave their views on the Fundamental indicators used in the stock market. Their guidance, specially to the new comers, was appreciated by the audience.


The efforts by Bhagnari Bulls group to guide and lead all members continues on the WhatsApp group. Most of the members have acknowledged that they have benefitted a lot by joining this group. Any Bhagnari Community member can join this group and seek guidance, views and clarifications from the expert panelists and several other experienced members of the group.


Very soon we will be having other seminars on Technical Analysis, Taxation Reduction Strategies and Implications in the Stock Market, alternative Investments in place of plain vanilla fixed bank deposits.

Thanks to Pranitt Popley for providing his unlimited time Zoom licence for the seminar.


For those who missed the seminar, here is recording of the Zoom session. We trust it proves to be useful. Use pass-code *$Ycjjk4

For those who missed the seminar, here is recording of the Zoom session. Hope it proves to be useful. Use passcode *$Ycjjk4

If the link does not open, highlight it and click on Open. Alternatively it can be copied and pasted to a browser.

https://us02web.zoom.us/rec/share/39evFfb_lVZ23zpmyIITbrAYHZRmuJAeZasR3cTSFCF3b-GcCQPFGzIxl0Ain18.vaYXtzL9Da6DHacu

Support Group for Community

Have you or your loved one ever been caught in a situation where a medical emergency has occured and you have no support on hand for being taken to hospital, especially in that golden hour when each minute is precious?

Well, you don’t have to worry now. Following energetic community members have come forward to provide this much needed help to the elderly and lonely:

Deepak Bhagnari – +919324815526

Gulab Kamra – +919819744434

Manoj Gulabani – +919820460888

Vinay Gehi – +917738588987

If you are without help of your relatives or friends and facing a medical emergency, any one from this group can be contacted for help. They will take you to a casualty ward of a hospital for treatment and contact any of your close contacts to come to the hospital and take over the treatment.

If necessary, an ambulance will be arranged for you. The ambulance contact details are listed below for your ready reference:

Gaurav Patil – +919004544400

Satish – Sai Ambulance – +918756306965

Varun – Sai Ambulance – ±919820414210

Launch of Car Service for Elderly by Ashok Gehi

We are pleased to announce the introduction of transportation service for the elderly members of the community by Ashok Gehi. A new car (Maruti S Presso MH01DX8819 Red colour) has been procured for this purpose along with services of a driver (Rajesh Yadav). The service will be available between 11 a.m. and 9 p.m. on all days except Sundays.

The service will be provided to the elderly members of community for visits to doctors, hospitals, labs, visit to Kataria Colony for satsangs and will also cover transport to and from Park Club during 3.00-4.00 p.m. and 7.30-8.30 p.m. covering Kataria Colony, Sitladevi Temple Road and Mahim/Matunga Rd stations. These timing will not be changed.

The service cannot be used for personal use like shopping, etc. To maintain proper hygiene and cleanliness levels, no eating, drinking or smoking will be allowed in the car.

Rajan Mehta has been assigned the responsibility of coordinating between those who need the service and the driver for scheduling the trips. He has kindly agreed to take up this responsibility. Please note that the trips will be strictly scheduled on a first come first serve basis. All requests must be sent a day in advance to Rajan on WhatsApp to his mob. no. 8879101970 preferably a day in advance. Please do not call him on this number.

We look forward to the success of this noble idea and thank Ashok Gehi for arranging the car and the driver. He initiated the idea and worked towards its implementation with the Panchayat. We also thank Bhag CHSL for allowing to park the car in Kataria Colony.

This is the first time that such a service is being introduced and there are chances of some initial glitches. So we request all to co-operate with us and help in the smooth running of the service.

My Memories of Shame Ma Gehi’s Family – By Lachu Gehi

We Gehi’s are known to be very honest in our work and are also known for discipline.

At the time of partition, I was 12 years old and I have very good memory from when I was 2½ years old.

A few days back when I went into past memory before partition, one Gehi family came to my mind. (Two years back I had written an article about my father and that was highly appreciated.) Known as ‘Shamema Family’, she had created such a record, that it still remains unbroken – giving birth to 8 boys and 1 girl!!

Almost all the boys became technocrats without going to engineering college. I will begin first with Shamdas. I had not seen him, but as a child became close to his son Menghraj, who was in Royal Air Force during British government time. Then he joined BOAC, then British Airways. Lastly, he was invited by Air India when they introduced first Boeing 707. He travelled in the first Jumbo Jet flight Emperor Ashoka or perhaps Emperor Akbar, from Seattle to Bombay. His brother was an expert radio mechanic and agent for Bush Radio. His brother Dharamdas was also with him. Menghraj’s son Kishin became a doctor. His daughter Saroj too became an eminent doctor at Malad. His son Mohan, whom I met on my visits to USA, was an officer with Johnson & Johnson.

Now I come to Shri Gordhandas, father of Badal. I don’t remember what he was doing, but remember that his family was staying in his building Gehi Mansion at Mahim. His son Badal had a provisions shop.

Now I come to Sobhraj. He served Bhagnari Panchayat after Dr Bashoomal Gehi retired, many years under the presidentship of Shri Takandas Kataria. His speciality was accounts. My father always took advise from him in the matter of accounts. He became a businessman and started a shop in the name of his elder son Jethanand & Co.

My brother Ramchand was very close to Deepchand, Kotumal and Mengraj Shamdas. Deepchand was another technocrat in electronic matters. In Karachi too he had a shop. He always had a smile on his face. In Bombay he had a shop in Lohar Chawl, well known for electric wires. His son became associated with Mittal Builders. His workshop at Sakinaka was famous with many cloth producing mills in that area. Now his sons are carrying on his tradition.

Kotumal was a person with great personality. I remember that he started his shop at Gehi Mansion. In Karachi along with Deepchand, he used to visit our garden with my brother Ramchand. It was a shocking news for whole Bhagnari community when he left this unholy world at a very young age. Now his sons Ashok and Suresh are in technical line of computers.

Gopichand was also a great technocrat – a watch repairer. He had shop at Tram Patta in Karachi. He was well known for his watch repairing skills. In Bombay he had shop behind Kataria’s optical shop. His son also became expert in this line. I then came to know that his son opened a shop in Assam.

Hiranand was known as Hira Pehalwan. As a child I once had an opportunity to see him wrestle with another Bhagnari, Gopaldas Nanumal Jham and doing dand-baithak at our Shiv mandir in Karachi, which had some place for wrestling. That portion was filled with red soil. Hiranand’s other speciality was writing letters. My father always called him when he wanted some letter to be written to government department. As a child he suggested to me the method of learning English language. His son Lal went to USA after a stint in Kuwait.

Hemandas – I don’t have any knowledge about what he was doing in Karachi. In Bombay his eldest son was appointed by my father to give tuitions. At that time, he became very famous as a teacher. His brother Sugnomal whose nickname was Chichi joined Bombay Police, from where he retired as Deputy Commissioner. His other brother was Lachu, who was my classmate. Lachu was famous in my class for his handwriting. If you look at a fair copy of his writing, it looked like a page printed in a printing press. He also joined Bombay Police. Once I asked him, which department he was working in. He said “I am a writer.”

Sister Bhagwanti had two sons, who were both technocrats. Gobind first worked with Kotumal and then with the help of Parsram Makar he joined BEST. His brother Hari was also an electric contractor.

In short, this family produced top class technocrats. I have not used the prefix of Late before any name as I find them to be Legends.           

What is Battery Health? How to check & keep your device’s battery healthy for a long life?

It is the 21st Century full of latest technology in a world dominated by Smartphones/Laptops with the four most dominated Operating Systems i.e. Android, IOS, Windows & Macintosh. Android & Windows has multiple OEM Brands making Smartphones & Laptops, whereas IOS & Mac OS on the other hand is owned and produced by Apple in their iPhone, iPad & Mac Computers.

We as consumers in today’s world are very cautious about a Device’s battery life when investing into one, but do we really check or concentrate on the battery health? which is the most important aspect of the durability and longevity of the device.

Anyway lets start with “What is Battery Life?” The term “battery life” typically refers to how long the battery will last on a single full or partial charge, Okay? then “What is Battery Health?” Battery health uses the help of the system software’s algorithm to define the power left in the battery basis a number of checks, power voltage transmitted, usage conditions and analytics, lithium electrolytes & number of charge cycles already performed from the initial use of device to till date, however this may in some cases may not be accurate as this feature is software driven.

Now that the definition of Battery Health is known, let’s focus on some best practices, followed by methods to keep track of battery health on various devices.

Best Practices to maintain good battery health.

A New device will have a perfect new and very healthy battery which runs at peak in the first few days and then reduces over time as it is recharged and used(Usage conditions may vary by user).

  1. Thereby the 1st best practice is to only charge the devices when the battery power falls below 10% and back upto 100% this calibrates the battery and prolongs the life.
  2. Never ever charge a device when the battery power is 30 to 40 or even 20%, you should note the device has a capability to last for more time even at that low a power range especially an iPhone or Samsung or the Pixel Series. You may only charge the device incase you are to travel for a long duration when phone connectivity is of utmost importance.
  3. Only use certified chargers that come with the device, use of any other charger may harm your device.
  4. Your device has a power input wattage limit specified, so charging with 33 Watt fast charger for a phone that only supports on 18 Watts will not increase the charging speed but may definitely heat up the device and damage the battery, hence it is recommended to only use the chargers your device is certified to work with.
  5. Never charge a device using a laptop/Desktop, the required power input is not adequately reached to the phone, it may show to have fully charged but will drain also that quick due to the reason mentioned formerly.

Now that the best practices have been covered, lets see how can you check the Battery Health on Android & IOS :

Check Battery Health on IOS (iPhone):

Ever since the battery life degrading issue came up against Apple, they(Apple) were forced to enable a feature in their iPhones so that consumers could keep track on where their device stands in terms of its life and usage, Starting from iPhone 6 & Later in IOS 11.3 Apple enabled the “Battery Health” Feature.

The Steps to use this feature along with Screenshots are attached below :

  1. Tap Settings app in the app drawer in your phone
  2. Followed by Tapping the Battery option
  3. This would bring you to the battery usage stats and analytics screen, you are to tap on “Battery health” here.
  4. This would bring you to the Battery Health Screen where the battery capacity left in the battery would show in terms of percentage, make sure you follow the best practices to keep it at its peak :D.

Apple mentions that after 2 years of usage an iPhone should report 80% of battery health which is completely normal in ideal usage conditions.

Apple also recommends that you should replace your battery at 70% battery Health or lower, however this may vary for different set of consumers having different usage conditions.

Now let us move to the Android Section and showcase the feature on Android Phones.

Check Battery Health on Samsung Devices :

Android devices do not have a dedicated native feature to check the device’s battery health, and it depends on OEMs such as Samsung, One Plus, Pixel, Oppo, Vivo to enable it on their handsets.

Fortunately Samsung has this feature whose procedure is listed below along with the screenshots :

  1. Drag down the screen and from the control center and Tap Settings
  2. Post which scroll down and Tap on Battery & Device Care
  3. Following which scroll down and tap Diagnostics
  4. Tap Battery Status
  5. The Screen should show the Battery health 😀
Select "Battery and Device Care."
Select "Diagnostics."
Battery stats.

Check Battery Health on Other Android Devices :

The above steps were only specific to Samsung Phones, however in case you do not own a Samsung Phone you can try two Alternative methods :

Use Android’s hidden menu by dialing a USSD Code : However it may not work major of the times and not with all brands of the world.

Open the dialer and dial *#*#4636#*#* this will open up the diagnostics screen and show the battery health majority of the times however chances are major that this option may not be there.

So if the above option did not work for you, the last option you have is to download a third party app for which I recommend AccuBattery.

This app helps you understand the status of the battery in your phone, however it will not show data right away & neither can it access historical data as it is not an inbuilt feature, After a few charge cycles you shall start seeing that the app is reading and reflecting data on your phone.

Health reading.

To conclude, Battery health is something you do not need to be worried about and it is completely natural, however it does help for a consumer to take a proactive decisions at the same time it is nice to know your device is in good condition and is working well.

BHAGNARI WELFARE SOCIETY

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