Banking on Rajma Chawal

‘It can’t happen to me’ – My stubborn and proverbial ostrich like ‘bury head in sand’ behavior refuses to allow my mind the thought of being laid–off at the work place. Many of us will continue to live in this denial mode till the time lightening strikes; and rightly so as the options now are like a needle in a haystack. A few will have to face it head-on; either leaving it to the ‘wicket-keeper’ for the next suited delivery or hook it over the shoulders for a six. I have a classic ‘head-on’ case.

Avinash (name changed), a manager at one of the largest housing finance company realized surprisingly late that his cordial stay during low interest rate era has become increasingly burdening for the organization in this higher interest rate environment. He was shown the door. His savings could have sufficed the interminable house rent, pruned monthly expenses and undesirable LIC premiums for a few months but were insufficient for his vehicle IMIs (Inflated Monthly Installments). Keeping his Shining Red Dream ‘Swift’ would involve defaulting on children’s tuition fees; thereby leaving them clueless in the unforeseen future.

Two days out of job, Avinash rubbishes the idea of selling his ‘Dream’. He drives out his Swift and parks it outside a large ‘Shared Services’ firm; the rear luggage cabin of the car facing the gate of the firm. The traffic through the gate is still high these days; with ‘worried’ employees probing cheaper food options and taking shortened yet fulfilling ‘sutta breaks’ for a next error free session at the office. At around 6 PM, when the sunlight is not glaring and hunger reigns supreme among ‘graveyard shift’ employees, Avinash turns on his beloved, the Kenwood DVD player, lifts the rear hood of the car and plays out loudly the party hip-hop songs. Three silver bright drums at the rear seat of the car, carrying Rajma, Kadhi and Chawal, throb at the play of the music, as if trying to deliver sales pitch of their own. Avinash puts on his matching bandana, takes out two thermacol plates and writes ‘Rajma Chawal’ and ‘Kadhi Chawal’ on them; with the same handwriting stroke which he used to while signing cheques at his erstwhile bank. The first day results in a few enquiries and even fewer consumers. ‘Word of Mouth’ however starts adding pennies to his ‘Hand to Mouth’ existence; second day onwards.

The extensive hygiene routine clubbed with disposable and robust cutlery, the competitive pricing of Rs.30 per plate and profound goodness of fresh homemade food were the factors that made people experiment his ‘SWIFT’ business. What made them stay was his relationship building persona – his manner of English speaking, providing small credits, sharing cigarettes and paan masala with the employees and above all sharing his story to this place. All this added to immediate empathy and sense of hope for the 'worried' employees who started flocking in groups. Avinash now runs two shifts a day and earns more than what he used to and he is ever so thankful to his wife for expanding his three-storeyed lunch box at the bank to three drums just outside a bigger office.

It is true – ‘Tough times don't last, tough people do’. Does it really matter then if you are not called a banker by a needy few but ‘SWIFT Rajma Chawal Wallah’ by a worried yet hopeful lot? I don’t think so.