In Focus-Parley | Can wildlife thrive in India without active human intervention?

Mis-selling of financial products is rampant in India. The single biggest mis-sold product is life insurance. People get ripped off by bank relationship managers (RMs), and by insurance agents. The Insurance Regulatory and Development Authority of India (IRDAI) has for long been a spectator. But last month it released a consultation paper proposing some sectoral reforms. We will discuss the IRDAI proposals in this episode. But before that, three datapoints that exemplify the sheer scale of insurance mis-selling. One, commissions can consume up to 80% of your first year premium on some policies. Two, from 2022-23 to 2024-25, insurance premiums grew by only 28%, but commissions grew by 125%! Three, just 48%, or less than half of all new policies survive into the sixth year -- what the industry calls ‘persistency rate’. A persistency rate of 48% means, more than half the time, when people buy a life insurance policy, they surrender it within five years, after having paid one or more premiums -- this is personal wealth destruction on a massive scale. Why is this happening, and will IRDAI’s proposed reforms make a difference? All this and more in the second episode of Pocket Money, with business columnist and author Vivek Kaul. Host: G Sampath Producer and editor: Jude Weston Do mail your personal finance queries and dilemmas to: [email protected]. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tamil Nadu recently went through a game-changing election that threw up a surprise. The TVK won largely on the strength of its appeal among young people; the younger the people were greater was their enthusiasm for the TVK and Vijay, the current chief minister. Many older voters were telling journalists that their sons, daughters and grandchildren were telling them to vote for Vijay.  Recently, a DMK candidate who lost in Salem North went to court, arguing that Vijay had appealed to children to persuade their parents to vote for the TVK, and that this was wrong. The High Court dismissed the petition but made some very caustic, very critical remarks about the trend. Justice D. Bharatha Chakravarthy said that the entire act of involving tender children in elections “is in bad taste, and the tasks they are made to perform at home for making YouTube reels reflect poor parenting besides being a cheap and politically motivated act.” He said that it was for Parliament to consider whether such acts should be made a ground for setting aside the election of candidates. Should children be involved in political campaigning? Here, we discuss. Guests: Andrew Sesuraj M., child rights activist, Chennai; Dr. Anil Pillai, behavioural scientist Host: M. Kalyanaraman (host) Producer: Jude Weston Learn more about your ad choices. Visit megaphone.fm/adchoices

This year’s Nobel Prize in Economics was awarded to an American duo – Prof Robert Hall of Stanford University and Prof Michael Woodford of Columbia University – "for microeconomic foundations of macroeconomic stabilisation”. Both Prof Hall and Prof Woodford were part of a new crop of economists who studied the economy not as a monolith, but also as a collection of many of microeconomic decisions. Simply put, their work helped change how economists understand the economy: not just through a broad set of indicators such as inflation, output and consumption, but by examining how businesses and consumers make decisions, and how these decisions affect the economy as a whole. Their studies look at how the future plays a part in today’s economy. To help us understand what they studied and how it can be applied today, I have with me Dr. Partha Chatterjee, Dean of Academics & Professor of Economics, Shiv Nadar University Host: Nivedita Varadarajan Producer: Shiksha Jural Learn more about your ad choices. Visit megaphone.fm/adchoices

Indian cities have undergone rapid urbanisation over the past few decades. Yet, accessibility continues to evade the design and planning priorities. Despite the Rights of Persons with Disabilities Act, 2016, mandating accessibility in public buildings across the country, Indian cities need to go a long way when it comes to inclusive public spaces, transport and other infrastructure. Several pertinent questions remain – how many barriers must a person with physical or intellectual disability navigate to get from point A to point B? Have the efforts towards inclusivity been centred around a narrow understanding of disability? How do we make cities in India answerable for accessibility? Guests: Nivedita Krishna, founder of Pacta, a law firm and think tank focusing exclusively on the legal needs of social sector, and Bhumika Modh, who heads the Yes to Access initiative of the Association of People with disability, share their insights. Host: Elizabeth Shilpa Abraham Producer: Shiksha Jural Video: Ravichandran N Learn more about your ad choices. Visit megaphone.fm/adchoices

This month, a word that has not been in the news for decades perhaps, suddenly erupted: the death of a lab worker in Siberia, sparked concerns, rumours online and theories as to what really happened, given that official information coming out was limited. The worker, Darya Shiplova, who worked at a plague research institute in Siberia, is believed to have died of pneumonic plague. Russia subsequently quarantined dozens of people but said there was no risk of an epidemic, while a WHO official, meanwhile, called for the country to provide more information. But what is plague and why is it that is has been more or less forgotten? What was India’s tryst with plague in the 1890s and then again in Surat in 1994? How infectious is it and how is it treated? Is there really a risk of a plague breakout? Guest: Rajib Dasgupta: Head, Centre for Social Medicine and Community Health, Jawaharlal Nehru University Host: Zubeda Hamid Producer: Jude Weston Learn more about your ad choices. Visit megaphone.fm/adchoices

How should India balance wildlife conservation with development, local livelihoods and the need for scientific research? In this discussion, Prof Qamar Qureshi, formerly of the Wildlife Institute of India, and Prof Uma Ramakrishnan of the National Centre for Biological Sciences, Bengaluru, examine the changing approaches to conservation, the challenges of protecting threatened species and the need to make conservation science more inclusive and responsive to the realities on the ground. Host: Jacob Koshy Producer: Jude Weston Learn more about your ad choices. Visit megaphone.fm/adchoices

October 10th witnessed a massive display of state repression in the national capital. Brutal violence was unleashed against journalists, students, activists and citizens who wanted to protest at Jantar Mantar, seeking Chief Election Commissioner Gyanesh Kumar’s resignation. India’s Opposition parties have united over the demand that Gyanesh Kumar must go and the SIR must be annulled. Even as the government responded by denotifying Jantar Mantar as a protest site, the Congress has vowed to ‘reclaim’ Jantar Mantar. The Opposition’s overarching political plank, as of today, is to ‘save Indian democracy’, and ‘save the Constitution’, by fighting to protect the ordinary Indian’s right to vote. It has announced plans to continue this protest campaign until the demands are met. This raises some key questions: does the SIR issue resonate with the masses? Can we really be sure that today’s protesters, despite all their grievances, will not go back and vote for the BJP come election time? Can we read bigger and bigger protests as a setback for the Hindutva project? Or, is the BJP-RSS juggernaut resilient enough to survive expressions of large-scale dissent? Joining us today is Ajay Gudavarthy, Associate Professor in Political Science at the Centre for Political Studies, JNU. Host: G Sampath Producer: Shiksha Jural Video: Jude Weston Learn more about your ad choices. Visit megaphone.fm/adchoices

Over a year after Jio Platforms and SpaceX announced a deal to bring Starlink satellite internet to India, multi-billionaire Elon Musk has taken a public swipe at the Ambani family and the Indian government. In a sarcastic post on X, the billionaire described Mukesh Ambani as India’s prime minister and the country’s “real boss,” reigniting debate over Starlink’s delayed entry into one of the world’s biggest internet markets. But beyond the social media sparring lies a bigger battle over competition, market power and regulation. Why is Starlink’s India launch taking so long? Is the government’s cautious approach to satellite internet protecting national interests, or limiting competition? And what could the tussle mean for Jio Platforms as it prepares for an IPO? In this episode of The Hindu’s In Focus, Technology Editor John Xavier unpacks the political and business stakes behind the Musk–Ambani feud, examining India’s approach to satellite internet, the regulation of monopolies, and the competing interests shaping the country’s digital future. Host: Sahana Venugopal Camera: Thamodaran Producer & editor: Jude Weston Learn more about your ad choices. Visit megaphone.fm/adchoices

Congress leader Rahul Gandhi has said there are “no parallel protests”, there is only one protest – demanding the rollback of SIR, and the resignation of Chief Election Commissioner Gyanesh Kumar. Leaders from almost every INDIA bloc party joined the Congress-led march to the Supreme Court on Monday, drawing massive crowds from all over the country. Has the alleged ‘vote chori’ issue finally managed to unite the entire Opposition? What’s really at stake on the question of whether Gyanesh Kumar stays or resigns? And how do these protests compare with the one in July, that sought the resignation of the then education minister Dharmendra Pradhan? To unpack the political ramifications of the ongoing protests, we are joined today by Anand Mishra, Political Editor with Frontline magazine. Host: G Sampath Producer: Shiksha Jural Video: Jude Weston Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re used to thinking of cancer as something for which there is no known cause and we know that risk factors include using tobacco and excessive alcohol as well as obesity. And while of these factors are true, what we may not have realised is that infections could also, in some cases, lead to cancers. A new study conducted by the International Agency for Research on Cancer or IARC, has now found that infections were responsible for 2.3 million new cancer cases in 2024, or 12% of the total cases globally that year. What infections? A bacterium and several viruses were linked cancer cases, and what is significant is that a large proportion of these cases were found in low- and middle-income countries. What are the cancers caused by infectious agents, and how common are they? Could vaccines eliminate these sorts of cancers? Are there vaccines available for all the viruses and bacteria that cause cancers? What kind of screening programmes and preventive measures should we take? Guest: Dr. Rajeev Jayadevan, Convener Research Cell Kerala State IMA Physician and gastroenterologist Host: Zubeda Hamid Producer and editor: Jude Weston Learn more about your ad choices. Visit megaphone.fm/adchoices