INSCRIPTIONS 10WALL 3 PANEL 1

HIGHLIGHTS OF THIS ISSUE:1) FUNDAMENTAL PRINCIPLES OF FINANCIAL PLANNING PRINCI-

PLE NUMBER 5 “PURPOSE DECIDES THE CHOICE”2) TAKFUL INSURANCE METHODOLOGY FULLY SHARIAH COMPLI-

ANT3) HOUSING LOAN OPTIONS TO SECURE IT

AND THE SCULPTOR INSCRIBES TALKS ABOUT “DESIRE- THE MOTHER OF ACHIEVEMENTS” WHILE DEBATING ON IS DESIRE A DEVIL OR A FORCE OF AN ANGEL.

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TITLES SPACE FOR P.NO

Sculptor Inscribes RG 2

Gurus speak Faculty Members’ space 12

Caterpillar Space Students and Trainees 36

News Channel Happenings at Gopast 42

Inscriptions 10

DESIRE IS THE MOTHER OF ACHIEVEMENTS

DESIRE- THE MOTHER OF ACHIEVEMENTS

Desire - The Mother of Achievements.

As we step into the second half of this year, I wish that let us make our first step into this crucial phase a very strong one. A step that becomes a harbinger for a great year ahead. A step that will bring us closest to our dreams. A step that will make the new year a significant year in the decades of our life. A step that will be a clear turning point in our life. How strong this step will be is solely de-pendent on the factor called DESIRE

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R.GOPINATHgopinathr@go-past.com

Is Desire an Evil force or the force of an An-gel?

Well, it depends! Let me explain:

Desire is a strong sense of longing for some-thing. Something meaning anything like things, positions, titles, respect, opportunity to con-tribute and so on.

Why are some people lazy? Laziness is the manifestation of lack of desire for something (anything). All the capacity that we possess awaits a small flame of desire to get con-verted into efforts leading to greatness. A 2000 CC engine of a car, backed with over 50 liters of inflammable fuel is absolutely

static till there is an ignition of a spark at the spark-plug. Once ignited, the 2000 CC engine converts the static car into a transport that moves at 350 KMPH. Desire is one such spark that converts Potential energy lying in-side us into Kinetic energy (meaning work).

The desire is one force that transforms a per-son from nothing to everything, poor to rich, ignorant to knowledgeable, small to great and from being unknown to very famous. The desire works intensively on the resources that we posses to bring about this transfor-mation. It even works to get us such re-sources that we do not possess now, but that will be required to reach the desired destination.

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Desire makes the sacrifice (price) appear easy and lighter. Discipline does not anymore appear to be cruelty on self, but appears to be a new freedom invented to be cherished. Efforts become as natural as breathing itself. Problems on the way do not appear like mon-sters that will gobble us, but as playmates teasing us.

Desire gives a meaning to our life, and makes life worth living. People who do not have any desire, feel life is boring and living is a matter of compulsion than a matter of choice.

The desire takes various manifestations de-pending upon our age, knowledge, maturity, present state of life, and also our environ-mental factors.

Is it wrong to desire for things? No, not at all. In fact Possession is a big driver for desire. a car, a bigger car, a big house, a bungalow, a camera, a toy and so on. Desire can be to-wards possessing things and the same can ig-nite the flame inside us therefore is a good force. The pleasure one derives on getting that thing what was desired for ,is immense. Such desire that makes us work to possess such things is therefore a good force of an Angel.

But there is a lacuna here, that such pleas-ures are short lived. After gaining possession of that what was desired, there is no further motivation to continue the efforts. We must also be careful to stay within the line of Eth-

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ics, for such desire at times can become greed and urge us to adopt shortcuts. When we cross that line desire becomes an Evil force

Desire for positions, titles, awards, recogni-tions is also a natural urge for human beings and is also useful in lifting people up from their present levels. In fact quite a number of people have brought about a total transfor-mation of their lives driven by this desire. The pride that besets on us on achieving that award, or on being recognised as the number one, or on sitting on that lofty chair is vast.

As long as we do not allow ourselves to be-come selfish, this desire is also a good force. The moment we allow ourselves to attempt

to steal somebody else’s right then this de-sire becomes an Evil force. The moment we allow ourselves to feel invincible because of such positions or titles then also the desire becomes an Evil force.

The best form of desire is the urge to con-tribute, the urge to help. This type of desire brings about nobility in our designs and deeds. Such a desire to contribute is endless and can therefore form a never ending driv-ing force of growth and transformation. This desire easily taps into the deepest routes of our talents and brings the best out of us. Our spirit puts all its might behind all our ef-forts. True sense of happiness engulfs us, not just at the destination point but all through the pathway.

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Abraham Maslow formulated a theory on motivation called as the “Need hierarchy the-ory”. There are two basic premises of this theory that 1) An unfulfilled need is a motiva-tor and 2) Needs are hierarchical. Meaning that as one set of needs get fulfilled the hu-mans start realising the next level of needs.

In brief the theory is depicted in the pyramid down below:

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To start with the humans feel the physiologi-cal needs like, fulfilling hunger, thirst and other physical bodily needs. Then the needs of security, feeling safe on matters relating to employment, residence etc arise. After that comes in Social needs, where the human would like to have company, form groups. The next level of needs are significant wherein the needs of being respected, to be held in esteem, to win awards, recognitions, to hold positions in organisations which make him feel important, set in.

The next higher order of needs is the one where a person derives happiness in contrib-uting to a cause. Where being a moral and ethical person matters the most. This is the

birth place of passion towards Profession, Art and Sports. People who have discovered such needs inside them are prepared to even lay down their lives for a chosen cause. This zone triggers the highest commitment in peo-ple. People who have reached this level are fearless. They are happy all the while. It is not just the reward or the destination that in-spires them, but the very journey motivates them.

You will find such people shattering all known limits to progress towards their cause. Their endurance levels are almost infi-nite.

One of the recent TED Talks i was watching had Mr Lewis Pugh sharing his experience of

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his swimming at the North Pole. Arctic Ocean. This is the first long distance swim re-corded at North Pole. The conditions were ferocious. The swim could have been fatal. The water temperature running down to -2ºC. The Ocean is 4,200M Deep. A swim covering 1KM took 18Min50Sec

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"I am obviously ecstatic to have suc-ceeded but this swim is a triumph and a tragedy. A triumph that I could swim in such ferocious conditions but a tragedy that it's possible to swim at the North Pole.”

"The water was absolutely black," said Mr Pugh. "It was like jumping into a dark black hole. It was frightening. The pain was immediate and felt like my body was on fire. I was in excruci-ating pain from beginning to end and I nearly quit on a few occasions. It was without doubt the hardest swim of my life

Why would he venture into such a danger-ous assignment? He wants to draw the atten-tion of the World and the UN to the damage that we are causing to the environment. The Ice in that region is melting. The snow is dis-appearing. If this continues then the Polar Bears will become extinct. Such cute animals, who have a right to live on this planet will loose their rights to the selfishness of we the humans. The unmindful damage that we are causing to this oceanic environment should stop. There should be legal systems to pro-tect it.

Yet a few more examples:

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“If Death strikes before I prove my blood, I swear, I will kill Death”- Capt Manoj Kumar Pandey PVC 1/11 Gorkha Rifles (Birth 25 June 1975 - Died 3rd July 1999) Param Vir Chakra Posthumously con-ferred for the courage displayed and the sacrifice during the Kargil War in 1999

"I will come back either after hoisting the flag or being wrapped in the flag" -Captain Vikram Batra. 13 JAK RIF (Birth 9 September 1974 – Died 7 July 1999) Param Vir Chakra Posthumously con-ferred for the courage displayed and the sacrifice during the Kargil War in 1999

So friends let us develop desire for some-thing, for some positions or titles and still better let us desire to contribute, to give, to add value into others life in a very very big way.

Sit down in a quiet corner and order your mind to think of such things that you want to possess, such titles that you would like to be known as, such positions that will add pride to you and such deeds of contributions and the quantum that you would like to give away to the needy. Let us look at a 5 year span from now that is as at 2020 what should be happening in our life? and then de-cide what this year has to be in proportion to reach that in 2020. Then friends, get started with a giant step backed with the

most powerful factor called Desire the force of an Angel.

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CHAPTER 2

GURUS SPEAK

WEALTH THAT LASTS FOREVERPART 5

R.GOPINATHgopinathr@go-past.comwww.go-past.com

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8 Governing principles:

1) If a person adopts the formula “Income - Expenses = Savings” then he can never become wealthy. The correct formula is “Income - Savings = Expenses.

2) Regularity is the key to wealth. (The key to wealth is not the ROI, IRR, CAGR etc)3) Start early and reach safely.4) Gold and greed can never stay together.5) Purpose must decide the choice.6) Financial Pyramid7) Draw the map before you start the journey.8) Professional support helps.

WEALTH THAT GROWS AND LASTS FOREVER

PRINCIPLE NO: 5

“PURPOSE DECIDES THE CHOICE”

gopinathr@go-past.com

In the last 30 years in the financial services industry I have heard these dia-logues very often. In the market place these questions are quite common.

“Where should I invest my money now in?”

The present trend is that mostly people invest in Mutual Funds, should i not do that now?

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Or is it that the equities have reached the peak now and there may be a de-cline in future, so is it advisable to invest now?

Should i avail a housing loan and buy a house and let it out for rent? From the rent i can pay the EMIs and the appreciation of the property will be very high and i will be benefited, don't you think i must do that?.

Someone was telling me that Derivatives give good returns and even in a fal-ling market they perform well, should i invest a little bit of money in that?

Can you suggest me a good investment, i am ready to invest one time 10lakhs (1Million) within the next week?

what is more surprising is that many times people engaged the financial markets also ask me these questions. Bankers, Insurance people, Advisors

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of MFs, Small savings schemes and personnel from the regulators offices even.

These questions can not be answered meaningfully.

Before deciding on an asset, the questions that should be asked are;

1) When will i require this back?

2) How much will i require then?

3) For what purpose i will require that money?

Look at the picture given below:

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This picture is called Cash2Cash cycle.

A person works hard and earns money, from that money he buys assets (Like MFs, House property, Gold, Insurance policy, etc.,) and then over a pe-riod of time converts these assets into cash and fulfils his various needs. From this picture one this is clear that, “CASH IS THE KING; ASSETS ARE INTERMEDIARY”.

There are only two uses of assets;

1) Produce cash (Investment assets)

2) Used for Comfort, image or happiness.(Personal assets).

Personal assets like residential house to live in, jewels, cars, gadgets are bought for using them to derive Comfort or happiness and also at time that they create a good image in the society.

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If we look at investment assets the only reason to buy them is to convert them into cash for using at a later time. If that is the case then all the three questions asked above:

1) When will i require this back?

2) How much will i require then?

3) For what purpose i will require that money?

have to be answered and then assets that will serve that purpose have to be selected.

To do so, we need to draw a map of our life and mark junctions at which we will require money.

What does any map contain? Paths, Terrains and legends.

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Why would we need a map for our future? Because we have never been there. In general a person with a map can navigate better than the one without it. Look at this example:

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Say that i am traveling on a local train in Mumbai and i am boarding at Bo-rivili station and my destination is Mumbai Central. If i have the adjoining map in my hand, after boarding i will peacefully listen to music or read a book and travel. But if i had not had the map then i will be enquiring the neighbours before and after every station. Some might guide me correctly and some may not. Even that 45 minutes of travel is full of tensions with-out a map.

How will a map of life look like?

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The first road that we had travelled was “Supported Road”, where we were being financially supported by our parents (age 0 to 22) and then we trav-ersed the next road called “Independent road” for a short distance (age 22 to 25) and now we are traveling the road “Supportive road” a long one (age 25 to 60) and thereafter we have three options as indicated in the map above.

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Let us discuss the 3rd road “Supportive Road”. What we need to do now is to

1) Mark junctions on this road. Meaning the times when we will require lump-sum monies. For example age 30 for Child birth, age 35 Buying a car, age 38 buying an apartment, age 40 a tour to Europe, age 48 Child’s Higher education. Age 50 to resign the job and start own business and so on till 60.

2) How much money can we spare every year from now towards these junctions and how much do we have now to start with.

3) How much money will each of these junctions require to be fulfilled to our satisfaction?

4) Divide the junctions into two categories a) Not Negotiable Junctions and b) Nice to have junctions.

5) Now select assets that you should buy now to comfortably alight at these junctions. If monies are not sufficient then better to give-up some

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“nice to have junctions” and provide adequately for the Not negotiable junctions.

In this exercise we have understood the purpose of the buying decision. Without purpose, accumulation of assets does not give us the happiness.

Let us say a person “A” had bought a land for `25lakhs (2.5Million) and af-ter about 10 years sold it to “B” for `1Crore (10Million), he is happy that the land had appreciated even without his doing anything on it. No fencing, no value additions but still the price rose up due to market demands.

But let us say the buyer “B” sold the land to another person “C” in 3 months time for `1.10Crore (11Million), now “A” is unhappy that he has lost that `10Lakhs. Why does this happen? This happens because the land was bought without any specific purpose. The only idea while buying that was that it will appreciate and give a decent return. In this case it did, but still there is only heartburning left. But if the land was bought with a specific

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purpose of getting money to fund the marriage of the daughter, and it did take place well, then the heart burning is not there, because the purpose is achieved.

The same emotional upheaval is true in a reverse condition also, for exam-ple let us “B” had sold the land to “C” for 90 Lakhs for some emergency need of money, then “A” feels lucky that he had got a good deal and he es-caped at the right time. We allow the price to make us happy or otherwise. Such emotions blinds logic and therefore can be injurious in financial mar-kets. This is no different when it comes to buying and selling shares in the equity market. Majority of the people regret after making a sale even with considerable profit margin. When they see the markets had moved up to an-other level. This randomness in selecting assets deprive us of the happiness related to fulfilment of a goal.

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Purpose defined in the beginning and then the choices of assets exercised gives us the following benefits:

1) The purpose allows us to pick the correct risk level that the goal can tolerate. For example goals like not negotiable goals need fund at the cor-rect time, and therefore we may opt for lesser risk products or rebalance the portfolio as we keep nearing the goal. Whereas a “Nice to Have” goals can be funded with a little more risk exposure.

2) The purpose allows us to set the time span for holding-on to that as-set. We can therefore select assets that are likely to give that estimated IRR in that long a period. Otherwise we will not have control during volatile times, we may quit the investment. This also gives us the disciple of con-tinuing fresh investments so that the cost averaging works in our favour.

3) The purpose give us the happiness of progress. As we keep investing into our financial plan every month, every quarter, every half year, every year and one time big amounts, we are thrilled that we are adding value to our life.

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TAKAFUL

AN INSURANCE METHODOLOGY

COMPLYING THE SHARIAH LAWS

BY

MR REYAZ JEFFRY

CEO

AMANA TAKFUL LIFE

SRI LANKA

Takaful, OPEN TO ALL

The need for risk management is deep in human history. Early recordings of the Babylonians who paid an “extra amount” to their lenders to wipe off their loans in case of loss of the cargo are considered amongst some of the earliest insurance transactions. With advent of time and advancement of business, Insurance has evolved to what it is today and plays a significant role in economies of nations.

However, conventional insurance becomes non-permissible to Muslims, due to 3 key reasons.

Riba - Interest (Usuary), which Islam considers Haraam (to refrain from) due to its oppressive nature and being inequitable. Riba largely arises from investment income earned from Bonds and other banking instruments. Some Scholars argue that Riba in insurance also arises from fixed, guaran-teed payments that arise especially in Endowment life policies.

Takaful funds are also not invested in to business/ industries that are con-sidered not in the best interest of Mankind. These include Conventional

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banking and Riba based businesses, Entertainment, Arms and Ammunition, Drugs, Alcohol and brewery and Gambling amongst a few others.

Gharar and Mysir - Uncertainty and Gambling are inter-linked and arises mainly from the fact that one party stands to profit from the transaction, especially where a claim is not made. Hence, one party becomes a winner and other a loser, which also brings in an element of uncertainty that can be likened to Gambling. Uncertainty also arises from lack of transparency on charges and levies, typically found in conventional policies.

Takaful

Takaful arises from the Arabic word “Kafala” and means Joint Guarantee, which is one of the core pillars of Takaful. The concept pre-dates the Is-lamic era when the rough model of Takaful was practiced by Arabic tribes, holding to the principle of pooled resources to help the needy on a volun-tary and gratuitous basis. Among the examples of early Takaful were the merchants of Mecca pooling funds for victims of natural disasters and assis-tance extended to families of murder victims.

Takaful therefore is structured based on mutual pooling of risks, where a group of persons (referred to as “Participants”) contribute into a fund that

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is used to support one another, with each participant contributing a prede-termined amount to meet unexpected claims. The contributions are re-ferred to as Tabarru (Donation), which once made, cannot be taken back.

The underlying key aspects of Takaful may be summarized as follows:

- Policy holders (referred to as Participants) co-operate among them-selves for their common good. The Tabarru (donations) are pooled in to a collective fund, from which claims are paid. The intent of the fund is to help those who need assistance due to unfortunate incidents.

- Any excess funds at the end of the period are divided amongst non-claimants in the form of a Surplus (provided the fund has a surplus, which needs to be determined by the Actuary). The Surplus also eliminates the element of uncertainty.

- The insurance Company is referred to as an “Operator”, who is contrac-tually an agent “Wakil” of the Participant. The Operator is only entitled to a fee from the contributions (Wakalah fee) and / or share of the invest-ment returns (Mudarabah share) as remuneration.

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- All of the charges and allocations are made transparent in the Proposal and other policy documents and it’s connected marketing material, thus en-suring transparency.

This is also largely similar to cooperative insurance, where members con-tribute a certain sum of money to a common pool. Though modern busi-ness entities would be driven by a profit motive, the key intention of Taka-ful is helping one another.

Because of the Islamic principles involved in the structure and practices of a Takaful company, they would also have a Shariah Advisory Council, who plays a pivotal role in ensuring compliance with its guiding principles.

Family Takaful (Life Insurance)

The main intention of a Family Takaful policy is to provide a financial bene-fit to the Participant or his named heirs at a time of peril or difficulty. Though there are arguments posed by some on the permissibility of Family Takaful, it has been established that Islamic teachings do not prohibit

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same. Further, Islam also advocates that one should provide for his / her offspring and not leave them asking for help from others for sustenance.

Basic Family Takaful policies involve a Participants Investment Accounts (PIA), which is essentially a savings made by the Operator out of the Partici-pants contributions. Unlike the Tabarru contributions, this fund belongs to the Participant and plays a dual role.

a. Makes up the policy benefits in the event of a claim, together with the payment from the Tabarru fund.

b. Drives the Maturity value of the policy, together with the investment in-come share from the funds.

Though early policies were not permitted to carry a guaranteed sum as-sured, modern day Family Takaful policies carry a Basic Sum Cover that is linked to the Annual premium and tenure of the policy. However, maturity benefits are not guaranteed.

Based on same, various models of Family Takaful policies are seen in the market today. They consist of Endowment, Unit Linked, Pension and Annu-

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ity policies etc. All such schemes would comply with the basic tenets set out above.

In addition to the basic cover, rider covers are also available under family Takaful for both living and non-living benefits. These covers do not carry a maturity value as they are term (pure Tabarru) covers.

Takaful for everyone

Contrary to the belief, Takaful is not meant only for Muslims.

As explained in this article, the factors involved such as the absence of in-terest, stress for transparency, investment in ethical industries and busi-nesses, surplus sharing, a majority of people sharing the losses of an unfor-tunate few, can all be termed as being drivers of goodness and in the better interest of mankind. The need and demand for such practices cuts through wants and needs of any society and must also be the bedrock of business practices.

Understandably, the most significant growth for Takaful comes from major-ity Muslim markets such as the GCC, Malaysia, Indonesia and the like.

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Though, Muslim’s largely shun Life insurance on the belief that it was not permitted for them given some of the more obvious factors such as Riba, they too had a need to manage their own risks and ensure safety and finan-cial security for their families in case of death as well as provide for essen-tial needs such as Hospitalization and Critical Illness. These segments now have a mechanism by which they too can manage risks and mitigate dam-age, at least in terms of financial consequences.

But significant growth in Family Takaful is also seen in countries such as Sri Lanka, Thailand and some European markets, which are majority non-Muslim. Though the demand is from the Muslim segments, there is growing demand from Non-Muslim segments, given both superior product benefits and in appreciation of the ethical factors involved.

In Sri Lanka, Takaful take up by Non-Muslims are as high as 30% of the Mar-ket leaders overall revenue (Life and General). Banks and Channel partners remain to be key partners in growing Takaful penetration in Non Muslim markets, given their captive audience.

Conclusion

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Factors of goodness are similar across any religion and geography. Where there is goodness, it also would mean it is right to be involved in and there-fore should be encouraged.

Takaful embodies many factors of goodness and the overall wellbeing of mankind at its heart. This goodness then makes an additional value propo-sition for Takaful that goes beyond product benefits.

Shouldn’t then, Takaful be right for everyone? It certainly remains, OPEN TO ALL

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CHAPTER 3

CATERPILLAR SPACE

THIS SPACE IS MEANT FOR THE STUDENTS OF GOPAST

Dear Readers,

First of all I would like convey my heartful of thanks to Sri Gopinath sir & his entire team for providing me this opportunity, to share my knowledge, on Home Loan platform.

We all know the basic needs of a human life, are to have [food to eat], [cloth to wear], and finally a [place to live], In today’s scenario, especially a need of, place to live is being achieved by the Vehicle called HOME LOAN.

HOME LOAN – A word has got interlinked in today’s most of the human life, living in their own shelters. Based on the recent statistics, out of ten people bought home, 6 (or) 7 people went through home loan.

The purpose of this article is, to educate the Readers, a lot on home loan related parameters, but especially in this article, about the important aspect of owning the home, from the loan funded institution.

The real truth of home loan borrowers, when they purchase the property through home loan is, the title of the property only, belong to borrowers name, but the ownership of right belongs to the banker’s, unless, the entire loan amount is being repaid.

Following are the true scenario home loan borrower during the loan tenure.

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Following are solutions, to handle the above risk for your easy un-derstanding.

(1)

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(2) If Option No.1 Opted:

(3) If Option No.2 Opted:

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(4) Solutions Available:

(5) Cost of the Solutions:

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Hence from the above, you can easily understand, proceeding the loan with a backup of insurance option is a wise idea, to own the ownership easily, from the institution, In case of any risk happened.

Wishing you for a peaceful Financial Life..... (N. Vaidyanathan, B. Com, FChFP)

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CHAPTER 4

NEWS CHANNEL

PALM LEAF HAS NEW ADDITIONS NOW

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PALM LEAF NEXT RENEW-ALS ACCEPTED ONLINE

WITH 3 OPTIONS:

1) ONE YEAR RENEWAL

2) THREE YEARS OPTION

3) FIVE YEAR OPTION

COMING SOON1) FAMILY SOLVENCY RATIO: AFTER FINDING THE NET-

WORTH OF THE PERSON/FAMILY, NOW THE TOOL NET-WORTH WILL ALSO PROVIDE THE SOLVENCY RA-TIO FOR THE FAMILY. THIS TOOL ALSO INCLUDES AN-OTHER MENU CALLED AS WAYNE PERIOD MEANING HOW LONG THE PERSON HAS TO SURVIVE TO GET THE FAMILY BALANCE SHEET EQUALLY BALANCED.

2) CORPORATE FINANCIAL PLANNING TOOLS: TO START WITH THIS TOOL WILL PROVIDE A MENU FOR WORKING OUT IMPORTANT RATIOS LIKE GROSS PROFIT MARGIN, NET PROFIT MARGIN, TURNOVER RATIO, QUICK RATIO, RETURN ON EQUITY, RETURN ON ASSETS.

DEVELOPMENT OFFICERS PARTICIPATING IN THE “LEADING LIGHTS” TRAINING ENGAGED IN AN

EXERCISE ON “CALIBRATION” AN EXERCISE INVOLVING THE OBSERVATION SKILLS

IN COMMUNICATION

MISSION MDRT BATCH AT BA-RASAT KOLKATA: MR ASIS BA-RAN CHARABORTY AND HIS TEAM

LEADING LIGHTS COURSE FOR DEVELOP-MENT OFFICERS AT THANE

REGIONAL MAN-AGERS, BRANCH MANAGERS AND TEAM LEADERS OF AMANA TAKAFUL - SRILANKA IN-VOLVED IN AN EX-ERCISE OF “DIFFER-ENTIATING AND SUPPORTING” THE TEAM MEMBERS

REGIONAL MANAGERS, BRANCH MANAGERS AND TEAM LEADERS OF AMANA TAKAFUL - SRILANKA INVOLVED IN AN EX-ERCISE OF “DIFFERENTIATING AND SUPPORTING” THE TEAM MEMBERS

PARTICIPANTS RECEIVING THE BOOKS AS TROPHIES FOR WIN-NING THE MAXIMUM CHOCO-LATES IN ASKING QUESTIONS AT THE “ROOTS FOR GREATNESS” SESSIONS AT HYDERABAD

Ms Aarthi and Ms Preethi daugh-ters of Mr TG Anbarasan TOT agent performing Bharatanatyam at Raja Annamalai Mandram- Chennai. The girls stole the show, with Audi-ence applauding non-stop for their exquisite performance at this ten-der age.