“New UPI Charges 2026: Who Pays? Complete Guide to MDR, Hotels, Airlines, BRPL, RTGS & NEFT”

       Complete Guide for Customers & Businesses The introduction of new UPI Merchant Discount Rate (MDR) rules from 15 October 2026 has created considerable confusion among consumers and businesses. 

Will customers have to pay for UPI? 

Will sending money to friends or relatives become chargeable? 

Will hotel and airline payments attract additional charges? 

What about electricity bills, RTGS, NEFT and direct bank transfers?

This article explains the new UPI rules in simple language.What is UPI MDR?MDR means Merchant Discount Rate.It is a fee associated with processing certain digital payments made to merchants. Under the new framework, specified merchant UPI transactions above ₹2,000 can attract MDR.However, MDR should not be confused with a general UPI charge on customers.The important distinction is between P2P — Person to Personand P2M — Person to Merchant.

    1. Sending money to a friend or relative If you use BHIM, UPI or another UPI application to send money to another individual, it is a P2P transaction.For example:- ₹5,000 to a friend- ₹50,000 to a relative- ₹1,00,000 to a family member- ₹2,00,000 to another individual These remain free under the new UPI MDR framework.Person → Person = No UPI MDR Therefore, people do not need to worry that sending a large amount to a family member through BHIM will suddenly attract 0.4%.

      2. Paying a shop or business through UPIA payment to a merchant is different.For qualifying normal merchant transactions above ₹2,000, the announced standard MDR is:0.4%, subject to a maximum of ₹300 per transaction.Examples:.Payment| 0.4%| Maximum MDR₹5,000| ₹20| ₹20₹25,000| ₹100| ₹100₹50,000| ₹200| ₹200₹75,000| ₹300| ₹300₹1,00,000| ₹400| ₹300₹5,00,000| ₹2,000| ₹300The ₹300 maximum is therefore important for high-value transactions.

      3. Does the customer pay the MDR? No.The MDR is a merchant-side payment-processing charge under the announced framework.Therefore, if your hotel bill is ₹30,000, the fact that the merchant may incur MDR does not automatically mean that the customer should be charged:₹30,000 + ₹120 UPI MDR.The government has also said UPI providers cannot impose hidden/platform charges on customers and banks have been advised to ensure merchants do not pass MDR on to customers.However, businesses may have separate convenience or booking fees under their own terms. These should not be confused with MDR.

     4. What about hotel payments?Suppose you stay at a hotel and your bill is:₹30,000If the hotel falls under the standard merchant category, the MDR calculation would be:₹30,000 × 0.4% = ₹120But ₹120 is the merchant-side MDR calculation, not automatically an additional ₹120 payable by the customer.Before paying, however, check the final checkout amount because a hotel or booking platform may have its own:- Convenience fee- Booking fee- Service fee- Payment-processing fee These are separate from UPI MDR.

      5. What about airline tickets?Suppose your air ticket costs:₹30,0000.4% = ₹120For:₹40,0000.4% = ₹160Again, these figures relate to the merchant-side MDR under the standard category.They do not mean that a passenger automatically pays an additional ₹120 or ₹160 merely because UPI is used.Airlines and travel portals can independently charge convenience or booking fees, so always compare the final payable amount.

     6. What about BRPL electricity bills?Electricity payments are treated differently from ordinary merchants. For qualifying utility payments above ₹2,000, the announced special MDR is:₹5 per transactionTherefore, if you pay a:₹20,000 BRPL electricity bill the special utility MDR is ₹5, rather than applying the standard 0.4% rate. Again, this is not automatically an additional ₹5 that the consumer must pay.

        7. What about RTGS and NEFT?This is an important point.RTGS and NEFT are NOT UPI.Therefore, the new UPI MDR framework does not automatically apply to:- RTGS- NEFT- Direct bank transfer- Internet banking transferFor example, suppose you have to pay a business:₹5,00,000and the business gives you its bank account details.You can make a direct bank transfer through the applicable banking channel.That payment is not a UPI merchant transaction, so the new UPI MDR does not apply simply because the amount is ₹5 lakh.Banks can, however, have their own applicable service charges depending on the account and banking arrangement.

      8. Can businesses avoid UPI MDR by asking customers for bank transfers? 

For businesses receiving large-value payments, direct bank transfer is a separate payment rail from UPI.Therefore, businesses may offer customers options such as:- NEFT- RTGS- Direct bank transfer- Cheque- UPIThe applicable banking charges and business policies should be checked separately.For high-value purchases, businesses should also maintain proper invoices and accounting records regardless of the payment method.

     9. Should customers split a large UPI payment?

Suppose a hotel bill is ₹30,000..A customer might think:“Why not make fifteen payments of ₹2,000?”This is not a good strategy for avoiding MDR.The ₹2,000 threshold is part of the merchant-payment framework, and deliberately splitting transactions simply to circumvent applicable charges is not something customers or businesses should rely upon.The correct approach is to use the payment method that offers the lowest legitimate final cost.

      10. How can consumers save money?

The most useful way to save money is not to worry about the merchant's MDR, because it is not supposed to be added to your bill as a UPI charge.Instead, compare the final price.For an airline ticket, compare: Airline website/app + UPI versus Airline website/app + card/net bankingversusTravel portal For a hotel, compare: Direct hotel booking versus Hotel payment link versus Travel portal versus Direct bank transfer, if offered The lowest final payable amount is what matters. 

     Quick Reference Table Situation UPI MDR? 

Customer's position Send ₹50,000 to friend No ₹0 UPI charge Send ₹1 lakh to relative No ₹0 UPI charge. Pay normal merchant ₹5,000 Merchant MDR may apply MDR not automatically added to bill Hotel ₹30,000| Merchant MDR may apply Check final bill/convenience fee Airline ₹40,000 Merchant MDR may apply. Check final booking amount BRPL ₹20,000| Special utility treatment| MDR is merchant/biller-sideNEFT ₹5 lakh| UPI MDR does not apply Bank rules apply RTGS ₹5 lakh UPI MDR does not apply. Bank rules apply Direct bank transfer UPI MDR does not apply Bank rules apply Frequently Asked Questions UPI going to become chargeable for everyone? No. The new framework is primarily concerned with merchant-side MDR for specified transactions. P2P UPI transactions remain free. 

      Will I pay 0.4% when sending money to my brother? 

No. A genuine person-to-person UPI payment remains free. If I pay ₹1 lakh to a hotel by UPI, will I pay ₹400 extra?Not automatically. The 0.4% is the merchant-side MDR calculation and is subject to the ₹300 cap for the standard category. It should not simply be added to the customer's bill as UPI MDR. 

     Can I use RTGS instead of UPI?

Yes, if the recipient provides bank details and accepts RTGS. RTGS is separate from UPI.Can I use NEFT instead?Yes. NEFT is also separate from the UPI MDR framework.Will my ₹20,000 electricity bill attract 0.4% MDR?The announced framework provides a special ₹5 MDR for qualifying utility payments above ₹2,000, rather than the standard 0.4% rate.

         Is BHIM going to charge me for sending money?

P2P UPI transactions remain free under the announced MDR framework. Any separate bank-specific service limitation or charge would be a different matter.

      Conclusion The biggest misconception about the new UPI rules is that “UPI will now cost 0.4%.”That is not an accurate description.The more accurate picture is:P2P UPIPerson → Person = Free P2M UPI Person → Merchant = MDR may apply to qualifying transactions RTGS / NEFT Separate from UPI MDR Hotel and Airline Merchant-side MDR may apply, but customers should not automatically be charged MDR separately.                 Electricity/Utilities Special MDR treatment applies For consumers, the best practice is simple: look at the final amount you are being asked to pay and compare legitimate payment options. For businesses, particularly high-value businesses such as jewellery stores, understanding the applicable merchant category, MDR, transaction cap and payment-provider terms will become increasingly.

    -- Extract from AI

IMPORTANT ABOUT BRICKS. INDIA Chairing 4th time.

BRICS Summit: Why It Matters So Much for India

The BRICS Summit being hosted by India is not just an honour or a big international event. In my view, it is a very important opportunity for India to increase its influence in world affairs and also to gain economically and strategically.

BRICS has become much bigger than it was when it started with Brazil, Russia, India and China. Today, it includes 11 countries and represents a very large part of the world's population and economy.

But how powerful is BRICS really? And what can India actually gain from hosting the summit?

India gets an important position

The biggest advantage for India is that, as the host country, India gets to decide many of the important issues that BRICS will discuss during the year.

India's focus this year is on resilience, innovation, cooperation and sustainable development. There is also a strong focus on startups, small businesses, technology, trade, energy and better cooperation between member countries.

This means India is not simply arranging a meeting. It gets a chance to put its own priorities before some of the world's most important countries.

A rare opportunity to bring major powers together

The summit also gives India an opportunity to directly engage with leaders of countries such as China and Russia, along with other important nations from Asia, Africa, the Middle East and Latin America.

This is particularly important because India has to maintain good relations with countries that do not always get along with each other.

India has its own differences with China, but China is also one of India's biggest trading partners. Russia remains an important partner for India, especially in defence and energy.

At the same time, India has very strong and growing relations with the United States, Europe, Japan and other Western countries.

This is where India's position becomes important.

India does not have to choose one side. It can maintain relations with everyone and protect its own interests.

Economic benefits could be even more important

For India, the real success of BRICS should not be measured only by the final declaration or photographs of world leaders.

The bigger benefit could come from increased trade and business opportunities.

BRICS countries can work together on supply chains, technology, startups, small businesses, energy and investment.

India is also pushing for better opportunities for its MSMEs and startups to enter foreign markets. A proposed BRICS Startup Innovation Fund and greater cooperation between startup centres could eventually help Indian entrepreneurs find investors, partners and customers in other BRICS countries.

There is also the New Development Bank, which can provide money for infrastructure and development projects. If its role becomes bigger, developing countries will have another important source of funding besides traditional institutions such as the World Bank.

What about the dollar?

Another important discussion is about using the currencies of BRICS countries for trade.

This does not necessarily mean that BRICS is going to create a new currency or replace the US dollar.

For India, the more practical idea is that two countries should be able to settle some of their trade more easily using their own currencies.

This could reduce dependence on the dollar in some areas, but I don't think India wants to completely move away from the dollar. India's approach is likely to be more practical than political.

Can BRICS really influence world politics?

Yes, but it is important to understand its limitations.

BRICS is economically and politically important, but it is not like NATO. It does not have a common army or a single foreign policy. Its members often disagree with each other.

For example, India and China have their own disputes. Russia and the West have serious differences. Even some BRICS members have disagreements among themselves.

Therefore, BRICS cannot simply behave like one united country or alliance.

But its size gives it a strong voice.

When countries representing such a large part of the world's population and economy speak together on issues such as international trade, energy, development, global financial institutions or UN reforms, the rest of the world cannot ignore them.

India's bigger goal

I believe India's biggest strategic opportunity is to make BRICS stronger without allowing it to become an anti-American or anti-Western group.

India wants a world where there are several powerful centres, rather than one country or one group dominating everything.

At the same time, India does not want BRICS to become dominated by China either.

This balancing act is very important for India.

India wants good relations with Russia and China, but also with America, Europe, Japan and other countries. BRICS gives India another platform to increase its influence while keeping its freedom to make its own decisions.

What would make the summit a real success?

For me, the summit will be successful if it produces practical results rather than just another long declaration.

The most useful outcomes for India would be:

• Better trade between BRICS countries
• More opportunities for Indian companies and MSMEs
• Greater cooperation for startups and technology
• Easier trade using national currencies
• More investment through the New Development Bank
• Cooperation in energy and important supply chains
• Greater support for India's demand for reforms in global institutions
• A stronger voice for developing countries in world affairs

My conclusion

So, hosting BRICS is definitely more than an honour for India.

The real advantage is that India gets the opportunity to bring major powers together, set the discussion, promote its economic interests and strengthen its position as an important voice of the developing world.

BRICS may not become a military or political alliance like NATO, and its members will continue to have disagreements. But economically and diplomatically, it has become too large to ignore.

And perhaps the most important thing is this:

India does not need to choose between the West and the BRICS. India's strength is that it can talk to both.

If India can use this summit to increase trade, investment, technology cooperation and its influence in global decision-making, then the real achievement of BRICS will not be the summit itself — it will be the opportunities India creates from it.

श्री कृष्ण~ आस्था, ज्ञान, नीति और कर्म का अद्भुत संगम

श्रीकृष्ण — 

आस्था, ज्ञान, नीति और कर्म का अद्भुत संगम

श्रीकृष्ण भारतीय संस्कृति में केवल भगवान या अवतार के रूप में ही नहीं, बल्कि आध्यात्मिक ज्ञान, आदर्श जीवनशैली, नीति-कौशल, दूरदृष्टि, धर्म-संरक्षण और लोककल्याण के महान प्रतीक के रूप में भी जाने जाते हैं।

उनका जीवन हमें सिखाता है कि जीवन में केवल भावनाएँ ही पर्याप्त नहीं होतीं; विवेक, धैर्य, समय की पहचान, सही निर्णय और कर्म की दृढ़ता भी उतनी ही आवश्यक हैं। श्रीकृष्ण ने परिस्थितियों के अनुसार नीति का प्रयोग किया, परंतु उनका अंतिम उद्देश्य सदैव धर्म और न्याय की स्थापना रहा।

महाभारत और प्राचीन भारतीय ग्रंथों में वर्णित सुदर्शन चक्र, दिव्य अस्त्र, अग्निबाण तथा अन्य अद्भुत शक्तियों को केवल चमत्कार के रूप में देखने के बजाय, हमें उनके पीछे छिपी उस युग की ज्ञान-विज्ञान, तकनीकी कल्पना और भारत की प्राचीन बौद्धिक क्षमता पर भी विचार करना चाहिए। चाहे इन वर्णनों को हम आध्यात्मिक, प्रतीकात्मक या प्राचीन विज्ञान की दृष्टि से देखें, वे हमारी समृद्ध ज्ञान-परंपरा की ओर संकेत अवश्य करते हैं।

आज आवश्यकता केवल श्रीकृष्ण की पूजा करने की नहीं, बल्कि उनके ज्ञान और जीवन-दर्शन को समझकर व्यवहार में उतारने की है। उनकी नीति हमें सिखाती है कि धर्म केवल पूजा-पाठ और कर्मकांड तक सीमित नहीं है; धर्म का वास्तविक अर्थ है—कर्तव्य का पालन, न्याय का साथ, अन्याय का विरोध, लोकहित और सत्य के प्रति निष्ठा।

भगवद्गीता केवल पढ़ने, सुनने या दूसरों को सुनाने के लिए नहीं है। वह जीवन की वास्तविक परिस्थितियों में सही मार्ग चुनने का ज्ञान देती है। मोह के समय विवेक, संकट के समय धैर्य, कर्म के समय निष्ठा, सफलता के समय विनम्रता और कठिन परिस्थितियों में अपने कर्तव्य से विमुख न होना—गीता का यही जीवनोपयोगी संदेश है।

इसलिए श्रीकृष्ण को केवल मंदिर की मूर्ति या पूजा के पात्र के रूप में नहीं, बल्कि अपने विचारों, निर्णयों, कर्मों और चरित्र में जीवित आदर्श के रूप में अपनाना चाहिए।

कृष्ण को जानना केवल उन्हें मानना नहीं है;

कृष्ण को समझना है—और उनके ज्ञान को जीवन में उतारना है।

यही सच्ची कृष्ण-भक्ति है, यही गीता का सार है।

*आप सभी को जन्माष्टमी की शुभकामनाएं*

handloom day

Handloom Day

Handloom day

adarsh mehandru creations

भारत के Gen Z के नाम एक विचारपूर्ण अपील

भारत का भविष्य उसकी युवा शक्ति के हाथों में है। मुझे पूर्ण विश्वास है कि भारत का Gen Z केवल भावनाओं से नहीं, बल्कि विवेक, तथ्यों और राष्ट्रीय उत्तरदायित्व की भावना से निर्णय लेने की क्षमता रखता है।

भारत का इतिहास इस बात का साक्षी है कि जब भी राष्ट्र किसी चुनौती के दौर से गुज़रा है—चाहे वह कोविड महामारी हो, सीमाओं पर सुरक्षा की चुनौती हो या कोई अन्य राष्ट्रीय संकट—हमारे युवाओं, सैनिकों, डॉक्टरों, वैज्ञानिकों और नागरिकों ने अद्भुत साहस, अनुशासन और राष्ट्रनिष्ठा का परिचय दिया है। यही भारत की वास्तविक पहचान है।

लोकतंत्र में मतभेद स्वाभाविक हैं और असहमति भी लोकतांत्रिक व्यवस्था का अभिन्न अंग है। किंतु लोकतांत्रिक अधिकारों और राष्ट्रहित के बीच संतुलन बनाए रखना भी उतना ही आवश्यक है। किसी भी विचार, आंदोलन या अभियान का मूल्यांकन तथ्यों, संवैधानिक मूल्यों और राष्ट्रीय हित की कसौटी पर होना चाहिए, न कि केवल भावनात्मक या वैचारिक आग्रह के आधार पर।

यदि किसी संगठन, संस्था या समूह पर विदेशी प्रभाव, अपारदर्शी वित्तपोषण या भारत के लोकतांत्रिक एवं सामाजिक ढाँचे को प्रभावित करने जैसे आरोप हैं, तो उनकी निष्पक्ष, पारदर्शी और विधिसम्मत जांच होनी चाहिए। किसी भी लोकतंत्र की शक्ति कानून के शासन और सत्य पर आधारित निष्कर्षों में निहित होती है।

भारत की सबसे बड़ी पूँजी उसकी युवा चेतना है। इसलिए मेरा विनम्र आग्रह है कि हमारा Gen Z सूचना के इस युग में सत्य और दुष्प्रचार के बीच अंतर करना सीखे, आलोचनात्मक चिंतन को अपनाए, और किसी भी वैचारिक ध्रुवीकरण का उपकरण बनने के बजाय राष्ट्र निर्माण का सहभागी बने।

आइए, हम सब मिलकर एक ऐसे भारत के निर्माण का संकल्प लें जहाँ राष्ट्रीय एकता, लोकतांत्रिक मूल्यों, सांस्कृतिक विरासत और संवैधानिक दायित्वों का सम्मान सर्वोपरि हो।

राष्ट्र प्रथम। संविधान सर्वोपरि। भारत सर्वोपरि।

जय हिन्द। जय भारत।

भारत के राजनीतिक आंदोलनों को देखने का एक अलग नज़रिया

आज भारत केवल एक विकासशील देश नहीं, बल्कि दुनिया की एक उभरती हुई आर्थिक और रणनीतिक शक्ति बन चुका है। इतिहास गवाह है कि जब भी कोई देश तेज़ी से आगे बढ़ता है, तो कुछ देशों को यह पसंद नहीं आता। इसलिए भारत में होने वाले बड़े राजनीतिक आंदोलनों को केवल घरेलू राजनीति के नजरिए से नहीं, बल्कि वैश्विक राजनीति के संदर्भ में भी देखना चाहिए।

यह एक स्थापित तथ्य है कि दुनिया के कई शक्तिशाली देश समय-समय पर दूसरे देशों की राजनीति और नीतियों को प्रभावित करने की कोशिश करते रहे हैं। इसलिए यदि भारत में किसी भी प्रकार के विदेशी हस्तक्षेप के आरोप लगते हैं, तो उनकी निष्पक्ष और गहन जांच संबंधित संवैधानिक संस्थाओं द्वारा होनी चाहिए।

प्रधानमंत्री नरेंद्र मोदी के नेतृत्व में भारत की अंतरराष्ट्रीय पहचान पहले की तुलना में काफी मजबूत हुई है। जी-20 की अध्यक्षता, भारत की बढ़ती अर्थव्यवस्था, डिजिटल क्रांति, मजबूत विदेश नीति और वैश्विक मंचों पर भारत की बढ़ती भूमिका ने देश का सम्मान बढ़ाया है।

मेरी राय में मोदी सरकार ने नई शिक्षा नीति (NEP), महिला आरक्षण कानून, डिजिटल इंडिया, यूपीआई, और विदेशी चंदे (FCRA) से जुड़े कड़े नियम जैसे कई बड़े सुधार इसलिए किए ताकि देश की संस्थाएं मजबूत हों, भ्रष्टाचार कम हो और भारत अधिक आत्मनिर्भर और सुरक्षित बने।

मेरे अनुसार नरेंद्र मोदी की राजनीति केवल चुनाव जीतने तक सीमित नहीं है। उनकी कार्यशैली यह दिखाती है कि पहले मजबूत जनसमर्थन और संसदीय ताकत हासिल करो, फिर बड़े और लंबे समय तक असर डालने वाले फैसले लागू करो। उनका ध्यान तात्कालिक राजनीति से अधिक स्थायी बदलाव पर दिखाई देता है।

इतिहास बताता है कि कई देश युद्ध से नहीं, बल्कि अंदरूनी मतभेदों और बाहरी शक्तियों द्वारा उन मतभेदों का फायदा उठाने के कारण कमजोर हुए। इसलिए राष्ट्रीय एकता, मजबूत लोकतांत्रिक संस्थाएं और देशहित हमेशा सर्वोपरि होने चाहिए।

लोकतंत्र में मजबूत विपक्ष होना जरूरी है। सरकार की आलोचना होनी चाहिए, नीतियों पर सवाल उठने चाहिए और जवाबदेही तय होनी चाहिए। लेकिन राजनीतिक मतभेद कभी भी देश की एकता, सुरक्षा और राष्ट्रीय हित से ऊपर नहीं होने चाहिए।

मेरे विचार से देशभक्ति किसी एक राजनीतिक दल की नहीं, बल्कि हर भारतीय की जिम्मेदारी है। सरकारें चुनाव से बदलती रहती हैं, लेकिन राष्ट्र हमेशा सर्वोपरि रहता है। यदि हम भारत को विश्व की अग्रणी शक्ति बनाना चाहते हैं, तो राजनीति से ऊपर उठकर राष्ट्रहित को सबसे पहले रखना होगा।

India at the Crossroads: National Security, Political Stability and the Challenge of Foreign Influence

"The strength of a nation is tested not only at its borders but also in its institutions, democracy and unity."

Verified Facts

Several official reports and publicly available documents show that foreign interference in democratic processes is a genuine concern worldwide.

1. Foreign funding is regulated by law in India.
The Foreign Contribution (Regulation) Act (FCRA), 2010, amended in 2020, regulates how NGOs and organizations receive foreign contributions. The stated objective is to ensure that foreign funding does not adversely affect India's sovereignty, democratic institutions, public interest, or national security.

2. Foreign interference is a global reality.
Countries such as the United States, the United Kingdom, Australia and members of the European Union have publicly acknowledged attempts by foreign actors to influence elections, public opinion and domestic politics. Governments have responded by strengthening laws on foreign influence, political funding and national security.

3. India has undertaken major structural reforms.
Since 2014, Parliament has enacted several landmark reforms, including:

• Abrogation of Article 370.
• Goods and Services Tax (GST).
• Insolvency and Bankruptcy Code (IBC).
• New Education Policy (NEP) 2020.
• Digital India and UPI expansion.
• Women's Reservation (Nari Shakti Vandan) Act, 2023.
• Stronger enforcement of anti-corruption and financial laws.

These reforms are matters of public record.

---

Opinion and Analysis

In my opinion, India today is not merely competing economically; it is navigating an increasingly complex geopolitical environment. A stronger India naturally attracts greater international attention, and it is reasonable to believe that global powers closely watch India's strategic decisions.

I believe that Prime Minister Narendra Modi's political approach has been to build institutional and legislative strength before pursuing major reforms. His style appears less focused on short-term political compromise and more on securing the numbers and administrative capacity needed to implement long-term changes.

Supporters argue that reforms such as stricter regulation of foreign funding under the FCRA, digital governance, financial transparency, and constitutional changes are intended to strengthen India's institutions and reduce vulnerabilities to undue external influence.

At the same time, political criticism remains an essential part of democracy. Governments must be questioned on policy and performance, but such debates should be based on evidence and remain within the constitutional framework.

It is also my opinion that patriotism should transcend political affiliations. Whether one supports the ruling party or the opposition, India's sovereignty, democratic institutions and national interest should remain paramount.

---

Conclusion

History reminds us that great nations are weakened not only by external threats but also by internal division. India's future will depend not merely on who governs, but on whether citizens, political parties and institutions place the country's long-term interests above short-term political gains.

A confident democracy welcomes debate, encourages accountability and protects dissent. Equally, it remains vigilant against any unlawful attempt—domestic or foreign—to undermine its constitutional order. National unity and democratic integrity must go hand in hand.

A broader political perspective

In my view, the acceptance of a minister's resignation should not be seen only through the lens of public pressure. It is also important to consider the larger political and legislative context.

The government currently has the parliamentary strength to introduce and pass significant legislation. However, for Parliament to function effectively, both the Lok Sabha and Rajya Sabha must be able to conduct business. Prolonged disruptions, regardless of which party causes them, delay important debates and legislative work.

From this perspective, accepting a resignation may be a strategic political decision aimed at restoring normal parliamentary functioning rather than an indication of weakness. A government may choose to remove a contentious issue from the political agenda so that attention can return to governance and pending legislation.

Another area that deserves serious national discussion is education reform. India has made remarkable progress through affirmative action by expanding opportunities for historically disadvantaged communities. At the same time, many citizens believe the reservation system should be periodically reviewed to ensure that it continues to meet its original objectives while also promoting merit, excellence, and equal opportunity.

There is a view that highly qualified students from the general category sometimes miss opportunities despite outstanding academic performance. Supporters of reform argue that admissions and recruitment in critical professions—such as medicine, higher education, the judiciary, and the civil services—should increasingly emphasize merit alongside social justice, ensuring that the country benefits from both excellence and inclusiveness.

This is not an argument against social justice, but a call for an evidence-based review of existing policies. Any reform should seek to balance two equally important constitutional goals: providing opportunities to disadvantaged sections of society while ensuring that institutions maintain the highest standards of competence and public trust.

A mature democracy should encourage reasoned debate on these issues rather than reducing them to political slogans. The objective should always be to strengthen institutions, improve governance, and create policies that serve both present and future generations.

In my assessment, it would be inaccurate to interpret this development as evidence that Dharmendra Pradhan was dismissed due to poor performance. Political leadership often makes decisions based on broader strategic considerations that extend beyond the record of an individual minister.

My opinion only

 --ADARSH

किसानों द्वारा कर्ज़ माफ की माँग

कर्ज़ माफ करना, मुफ्त लंगर बांटना, सब्सिडी देना, जाती के आधार पर आरक्षण देना, किसी भी राष्ट्र को अपाहिज बनाना है। समाज को कमजोर करना है।
कभी अचानक कोई प्राकृतिक आपदा आने पर सरकार की मदद जरूरी है, परंतु उसका राजनीतिकरण नहीं होना चाहिये। किसान व जवान भाईयों से पूरी हमदर्दी है। वर्षा के अभाव में बहुत किसान बर्बाद हुए, मदद जरूरी है, परंतु कर्ज़ माफ एक गलत परंपरा है। इसका दुष्परिणाम आरक्षण के रूप में हम भुगत रहे है, सब्सिडी के परिणाम स्वरूप कश्मीर आतंकवाद भी हमारे सामने है।
सक्षम बनाना, उचित शिक्षा, नीति,योजना, कार्यक्रम व opportunity उपलब्ध कराना ही सरकार का कार्य है।
कर्ज़ माफ के बदले  फसल बीमा एक हल है। कर्ज़ माफ, कर्ज़ भुगतान करने वाले को निरुत्साहित करती है, सब्सिडी या आरक्षण कुछ न करने को प्रेरित करती है। सब्सिडी और आरक्षण का सबसे ज्यादा कुप्रभाव मध्यम वर्ग को प्रभावित करता है। सरकार कोई भी सब्सिडी को कर दाताओं से ही वसूलती है,
पानी बिजली गैस या अन्य सभी सब्सिडी का भुगतान जनता ही करती है। आरक्षण से बने जज, डॉक्टर, आईएएस, इंजीनियर इत्यादि से देश कितनी उन्नति कर रहा है ये हमारे सामने है।
कुछ लोग सरकारी विज्ञापन पर आक्षेप करते है, जो आवश्यक है,
विज्ञापन, जानकारी व चर्चा किसी भी संस्था के लिए आवश्यक है, विलासता नहीं।
अगर सरकार या संस्था अपनी schemes को बताएगी नहीं तो जानकारी कैसे देगी।

आर्थराइटिस arthritis का उपचार by Rajiv Dixit

आर्थराइटिस का उपचार : राजीव दीक्षित Rajiv Dixit

"घुटने कभी भी मत बदलिए"

इस अग्रेजी पद्धति के उपचार से प्रधानमन्त्री वाजपेयी जी की क्या हालत हुई है आपके सामने है चलते थे आज चल भी नहीं सकते

१. दोनों तरह के आर्थराइटिस (Osteoarthritis और Rheumatoid arthritis) मे आप एक दावा का प्रयोग करे जिसका नाम है चूना, वही चूना जो आप पान मे खाते हो। गेहूं के दाने के बराबर चूना रोज सुबह खाली पेट एक कप दही मे मिलाके खाना चाहिए, नही तो दाल मे मिलाके, नही तो पानी मे मिलाके पीना लगातार तीन महीने तक, तो आर्थराइटिस ठीक हो जाती है। ध्यान रहे पानी पीने के समय हमेशा बैठ के पीना चाहिए नही तो ठीक होने मे समय लगेगा। अगर आपके हाथ या पैर के हड्डी मे खट खट आवाज आती हो तो वो भी चूने से ठीक हो जायेगा।

२. दोनों तरह के आर्थराइटिस के लिए और एक अच्छी दवा है मेथी का दाना, एक छोटा चम्मच मेथी का दाना एक कांच के गिलास मे गरम पानी लेके उसमे डालना, फिर उसको रात भर भिगोके रखना, सबेरे उठके पानी सिप सिप करके पीना और मेथी का दाना चबाके खाना, 3महीने तक लेने से आर्थराइटिस ठीक हो जाती है। ध्यान रहे पानी पीने के समय हमेशा बैठ के पीना चाहिए नही तो ठीक होने मे समय लगेगा।

३. ऐसे आर्थराइटिस के मरीज जो पूरी तरह बिस्तर पकड़ चुके है, 40 साल से तकलीफ है या 30साल से तकलीफ है, कोई कहेगा 20साल से तकलीफ है, और ऐसी हालत हो सकती है के वे दो कदम भी न चल सके, हाथ भी नही हिला सकते है, लेटे रहते है बेड पे, करवट भी नही बदल सकते ऐसी अवस्था हो गयी है .... ऐसे रोगियों के लिए एक बहुत अच्छी औषधि है जो इसीके लिए काम आती है। एक पेड़ होता है उसे हिंदी में हरसिंगार कहते है, संस्कृत में पारिजात कहते है, बंगला में शिउली कहते है , उस पेड़ पर छोटे छोटे सफ़ेद फूल आते है, और फूल की डंडी नारंगी रंग की होती है, और उसमे खुशबू बहुत आती है, रात को फूल खिलते है और सुबह जमीन में गिर जाते है। इस पेड़ के छह सात पत्ते तोड़ के पत्थर में पीस के चटनी बनाइये और एक ग्लास पानी में इतना गरम करो के पानी आधा हो जाये फिर इसको ठंडा करके रोज सुबह खाली पेट पिलाना है जिसको भी बीस तीस चालीस साल पुराना आर्थराइटिस हो या जोड़ो का दर्द हो। यह उन सबके लिए अमृत की तरह काम करेगा इसको 3 महीने लगातार देना है अगर पूरी तरह ठीक नही हुआ तो फिर 10-15 दिन का गैप देके फिर से 3महीने देना है। अधिकतम केस मे ज्यादा से ज्यादा एक से डेढ़ महीने मे रोगी ठीक हो जाते है, इसको हर रोज नया बनाके पीना है, ये औषधि exclusive है और बहुत strong औषधि है इसलिए अकेली ही देना चाहिये, इसके साथ कोई भी दूसरी दावा न दे नही तो तकलीफ होगी। ध्यान रहे पानी पीने के समय हमेशा बैठ के पीना चाहिए नही तो ठीक होने मे समय लगेगा।

घुटने कभी भी मत बदलिए :
राजीव दीक्षित Rajiv Dixit

RA Factor जिनका प्रोब्लेमाटिक है और डॉक्टर कहता है के इसके ठीक होने का कोई चांस नही है, कई बार कार्टिलेज पूरी तरह से ख़तम हो जाती है और डॉक्टर कहते है के अब कोई चांस नही है Knee Joints आपको replace करने ही पड़ेंगे, Hip joints आपको replace करने ही पड़ेंगे, तो जिनके घुटने निकाल के नया लगाने की नौबत आ गयी हो, Hip joints निकालके नया लगाना पड़ रहा हो उन सबके लिए यह औषधि है जिसका नाम है हरसिंगार का काड़ा।

राजीव भाई का कहना है के आप कभी भी Knee Joints को और Hip joints को replace मत कराइए, चाहे कितना भी अच्छा डॉक्टर आये और कितना भी बड़ा गारंटी दे पर कभी भी मत करिये। भगवान की जो बनाई हुई है आपको कोई भी दोबारा बनाके नही दे सकता, आपके पास जो है उसिको repair करके काम चलाइए। हमारे देश के प्रधानमंत्री श्री अटलजी ने यह प्रयास किया था, Knee Joints का replace हुआ अमेरिका के एक बहुत बड़े डॉक्टर ने किया पर आज उनकी तकलीफ पहले से जादा है पहले तो थोडा बहुत चल लेते थे अब चलना बिलकुल बंद हो गया है कुर्सी पे ले जाना पड़ता है, आप सोचिये जब प्रधानमंत्री के साथ यह हो सकता है आप तो आम आदमी है।

अधिक जानकारी के लिए यहाँ क्लिक करें : http://www.youtube.com/watch?v=B0RX7alIatw

बुखार का दर्द का उपचार :

डेंगू जैसे बुखार मे शरीर मे बहुत दर्द होता है .. बुखार चला जाता है पर कई बार दर्द नही जाता | ऐसे केसेस मे आप हरसिंगार की पत्ते की काड़ा इस्तेमाल करे, 10-15 दिन मे ठीक हो जायेगा |

वन्देमातरम्

Kumbh Mela

Kumbh Mela is held at each of the four places namely Haridwar, Allahabad (Prayag), Nasik and Ujjain once in every 12 years. It is known to be a time when spiritual energy travels all around the place during this holy event. It’s a social harmony where you get to see many saints and sadhakas gathering at one place. This event even gives you the chance of seeking the blessings of these pious saints.
The position of the Sun, Moon and Jupiter in different zodiac signs determines the location of the Kumbh in each of these places.
*Kumbh in Haridwar* : When the Sun is in the zodiac sign Aries and Jupiter is in Aquarius it is held in Haridwar.
*Kumbh in Prayag* :  When the Sun is in Capricorn and Jupiter is in Taurus, it is held in Allahabad (Prayag).
*Kumbh in Nasik* : When Jupiter enters the zodiac sign Leo it is held in Nasik. It is also held in Nasik, when Jupiter, Sun and Moon enter the zodiac sign Cancer on Amavasya.
*Kumbh in Ujjain* : Ujjain, one of the most sacred places in India, is located on the banks of the sacred river Kshipra in the western region of Madhya Pradesh. Kumbh in Ujjain is held when a rare configuration of planets takes place which happens once in 12 years. When the Sun is in the zodiac sign Aries and Jupiter in the zodiac Leo, it is held in Ujjain. Considering its relevance to the zodiac ‘Leo’ meaning ‘Simha’ in Sanskrit, the Kumbh is also referred to as ‘Simhasth Kumbh’.
It is the great bathing festival which sees lakhs of devotees coming together from across the world to celebrate this month long congregation. The ceremonial bathing takes place in the holy River Kshipra on the full moon day of Chaitra month and continues in different intervals during the entire month of Vaishakh, culminating on the tenth full moon day.
_According to myth, holy dip in Kshipra river is very important during this festival_

माधवे धवले पक्षे सिंह जीवत्वेजे खौ।
तुलाराशि निशनाथे स्वातिभे पूर्णिमा तिथौ।
व्यतिपाते तु सम्प्राप्ते चन्द्रवासर -संचुते।
कुशस्थली -महाक्षेत्रे स्नाने मोक्षमवाच्युयात्।
Kumbh Mela is a mass Hindu pilgrimage of faith in which Hindus gather to bathe in a sacred river. Traditionally, four fairs are widely recognized as the Kumbh Melas:
the Haridwar Kumbh Mela,
the Allahabad Kumbh Mela,
the Nashik-Trimbakeshwar Simhastha and
the Ujjain Simhastha, although priests at other places have also claimed their local fairs to be Kumbh Melas. These four fairs are held periodically at one of the following places by rotation: Haridwar, Allahabad (Prayaga), Nashik district (Nashik and Trimbak) and Ujjain. The main festival site is located on the banks of a river: the Ganges (Ganga) at Haridwar; the confluence (Sangam) of the Ganges and the Yamuna and the now extinct (disappeared/ dried/ lost in time) Sarasvati at Allahabad; the Godavari at Nashik; and the Shipra at Ujjain. Bathing in these rivers is thought to cleanse a person of all sins.

At any given place, the Kumbh Mela is held once in 12 years. There is a difference of around 3 years between the Kumbh Melas at Haridwar and Nashik; the fairs at Nashik and Ujjain are celebrated in the same year or one year apart. The exact date is determined according to a combination of zodiac positions of the Jupiter, the Sun and the Moon. At Nashik and Ujjain, the Mela may be held while a planet is in Leo (Simha in Hindu astrology); in this case, it is also known as Simhastha. At Haridwar and Allahabad, an Ardha ("Half") Kumbh Mela is held every sixth year; a Maha ("Great") Kumbh Mela occurs after 144 years.

Science and Philosophy of YAGYA

        

In physical terms Yagya is a process of sacrifices of specific herbs in the fire as it is best way of sacrifice matter with the help of thermal energy of fire and sound energy of mantras. The fumigation of specific substances in the Yagya, fire is a scientific method of subtulisation of matter into energy and expanding its potential and positive effects in the surrounding atmosphere. The electromagnetic waves generated thereby help in transmitting; at cosmic level, the desired sonic signals stores in mantras. Modern scientific research has shown significant therapeutic application of Yagya.

         The industrial wastes, rapid urbanization, deforestation, cutting of mountains, air and water pollution, disturbances in the ozone layer, radioactive waves etc have destabilised humans, animals, plants life style. Ozone layer depletion has been causing sunburn, skin cancer, virus, cataracts and weakening of immune system. In the houses/area where Yagya is performed, it creates a pure nutritional and medicinal atmosphere.

       Regarding Yagya Dr. Hafkine has mentioned that “mixing ghee and sugar and burning them creates smoke which kills the germs of certain diseases and secretion takes place from some glands relate to the wind-pipe, which fill our heart and mind with pleasure. Sugars present in Havishya have great power to purify the atmosphere. It kills the germs of T.B., measles, smallpox and cow-pox, remarks Prof. Tilward. According to Dr. Shirowich, a Russian scientist has remarked that (i) Cow’s milk contains great power of protection from atomic radiation; (ii) Houses having cow-dung covered floors enjoy complete protection from atomic radiation; (iii) If cow’s ghee is put into Yagya fire, its fumes lessen the effect of atomic radiation to a great extent. 

       The specific herbs required for medicinal hawan are Amla, Arjuna, Ashoka, Ashvgandha, Bakuchi, Bilva, daruharidra,ashapuri dhoop, Guggul, haritaki, nagakesar, neem ke beej, Pippali, Shatavri  Tagara and Samidha sticks along with camphor, Cow ghee, dhaan, sugar, dried cow dung (uple).

     The four Vedas also signify the philosophy of eternity role of Yagya and Gayatri. Atharveda also deals with sound therapy of mantras for treatment of human system at the physical, psychology and spiritual level. Samveda focus on musical chanting of mantra and fine form of Yagya is process of mental oblation on the surface of emotions through cosmic radiation of sound energy.  Yajurveda contains the knowledge of performing of Yagya as scientific experiments for global welfare.

           Significance of Yagya reflects from these mantras of Vedas

अग्निमीळे पुरोहितं यज्ञस्य देवमृत्विजम्. होतारं रत्नधातमम् [ ऋग्वेद १/१/१/]

समिधाग्निं दुवस्यत घृतैः बोधयतातिथिं. आस्मिन् हव्या जुहोतन. [यजुर्वेद 3/1]

सायंसायं गृहपतिर्नो अग्निः प्रातः प्रातः सौमनस्य दाता. [अथर्ववेद 19/7/3]

Compiled