Pro-Stock Yamaha R3 Race bike: Giant Killer

Race-spec Yamaha R3: Giant Killer

1:47.392. That’s the new lap record set last year by Team RACR’s Rahil Pillarisetty on this very bike. If you know your lap times around the Madras International Circuit, you’ll realise just how devastatingly fast that is. For some frame of reference, the fastest stock bike we ever ran at the Autocar Track Day (back when it used to be held at the MIC) was a 2019 Ducati Panigale V4 S, ridden by 11-time national champion Rajini Krishnan, which set a 1:49.001. Yes, Rajini also would have surely improved the timing if he had more time to work on the bike setup, and yes, the latest Panigale will be quicker. However, it still bends the mind when you realise that this race bike you see here is based on a humble Yamaha R3.

Recipe for speed

As you can imagine, a lot has changed on the donor bike, but there’s still a fair amount of the stock motorcycle’s soul preserved underneath. That’s because this bike comes under the Pro Stock 300-400cc category, which allows a lot of modifications, but also places quite a few restrictions.

It would be easier to start with the significant things that aren’t allowed. The brake components have to be from any FMSCI homologated vehicle, and aftermarket brakes aren’t allowed. Forged metal or carbon-fibre wheels are not allowed either, although replacement wheels from any Indian-made FMSCI homologated vehicle are permitted. Fancy weight saving materials like carbon fibre, titanium and magnesium are also on the no-no list, and the main chassis has to be absolutely stock.

The engine capacity cannot be changed, but major modifications are allowed. This bike uses racing camshafts, larger throttle bodies, a ported head and bigger valves (by 1mm). Engine management is handled by an ARacer ECU, which also brings in a quickshifter, and the engine breathes through large trumpets. Cooling is vital, and the 321cc parallel-twin engine runs a massive racing radiator, which fills up much of the frontal area.

Deceptive power

The result of all these changes is a 55hp power output measured at the rear wheel, which is a big jump over the 36hp dyno figure recorded by the stock motorcycle. The engine redline is set at 14,000rpm, and the peak power sweet spot is between 12,000 and 13,000rpm. That power, combined with a super-light racing chassis, explains how speeds as high as 190kph were recorded during the races at the MIC circuit.

Very short action quick throttle, but it’s quite heavy.

Having ridden plenty of big bikes over the years, I wasn’t initially overwhelmed by the performance. But witnessing how effortlessly it would fly past stock RC 390s and R3s on the straights quickly made it evident that this is a seriously quick bike. In fact, the RACR R3 was never dropped dramatically even by more powerful bikes between the corners.

Because the rules don’t allow gearbox modifications, the engine doesn’t scream through the gears with the short-geared ferocity I’d anticipated. Instead, it spends time revving through each gear, and you have to be careful not to go much higher than that 12-13,000rpm sweet spot. An extremely short throttle action (all of it in about a quarter turn of the accelerator) meant that it’s easy to call for all fifty five horses. However, that quick-turn throttle was also quite heavy, and I found this to be one of the more fatiguing aspects of riding this bike. After all, this was the only ‘heavy’ element to this motorcycle.

Featherweight fun

Things like an aluminium fuel tank and subframe, as well as fibreglass bodywork and a complete strip-down of every non-essential element, help cut the weight down to just 132kg – with its 8-litre fuel tank full! That lack of weight, along with the high-performance K-Tech/Öhlins front/rear suspension combo, is what really made this bike magic to ride.

Regulations don’t allow for aftermarket brakes.

The corner speeds that it is capable of nearly fried my brain, and this is entirely where the bike makes that incredible lap time. No matter how much I tried, I simply couldn’t get myself to fling the bike into corners with the sort of speed that it is built for. Despite this, I had a blast riding the bike through the day, and that was largely because it was rather friendly and encouraging. The suspension was set to perfectly handle MIC’s bumpy layout, and I only truly realised how well it was doing this when I hopped onto the Ducati Panigale V2 the next day (page 122), and was startled by how much it was being affected by the bumps.

Of course, the bike is quite tiny, but I did manage to fit on it okay after the RACR crew kindly set the adjustable RCB footpegs to their lowest position. We left the suspension settings in Rahil’s setup, and that seemed to work well for me. He is a good ten-fifteen kilos lighter than me, but his immense skill and speed also make the suspension work much harder than I could, so it evened out in the end.

This bike is purely built to function, evident in the ‘jugaad’ sun visor for the tiny racing display!

As you’d expect from something that carries such little mass, the R3’s steering is light and incredibly quick, but it also has a reassuring sense of composure. This faith in the chassis quickly allowed me to stop being intimidated by the bike and simply enjoy riding it. All things considered, the bike’s deliciously light and poised handling is why I truly fell in love with it.

Even the stock brakes worked perfectly well, partly because of the lack of weight, and also because MIC doesn’t have many particularly heavy braking zones. Of course, at pure race pace, I imagine it could be quite a different animal, and that’s where the steering damper would earn its place, but for my pace, it was a complete joy.

Like many internal engine components, this skinny, lightweight racing chain has a very short life and needs replacing every race weekend.

Racing 101

As you might expect, there are zero electronic rider assists, but I never felt like it needed any. The bike runs on MRF racing slick tyres, which offered very good grip, but not a lot of feedback, and I wasn’t getting much feel for where the limit lay. Team RACR made sure I had the full racing experience, with tyre warmers being slapped on between every session and a giant cooling fan being pointed at the radiator when the bike was parked in the pits.

In fact, a bike like this would make for a superb track toy, and it will teach you the art of carrying higher corner speeds instead of more lazily using the power of a bigger bike on corner exits. However, such major engine modifications are best avoided. Because this is such a highly stressed engine, it needs part changes every race weekend and a full rebuild every two race weekends. The latter includes changing core components like the camshafts, pistons, and even the crankshaft!

In fact, Rajini let me know that running just one of these bikes for an entire season costs about Rs 25 lakh when you factor in routine part-change costs and crash damage. Team RACR ran three of them last year, with Rajini himself piloting one – and they even had an additional bike as a spare!

Racing is undoubtedly an expensive business, and Team RACR does this with no support from Yamaha India, something that will hopefully change soon. What really earns my respect, though, is that this is a relatively small operation that has fully developed this bike in-house in Chennai. Despite this, they managed to beat a factory race team last year, and Rahil won the overall championship on this very bike.

₹1 लाख का लोन लेकर शुरू किया काम, अब सालाना ₹8 लाख की कमाई! मिलिए छत्तीसगढ़ की ‘लखपति दीदी’ दिलमति से

Chhattisgarh Lakhpati Didi Dilmati Success Story: पारंपरिक खेती से जैसे-तैसे गुजारा करने से लेकर आज सालाना ₹8 लाख तक की कमाई करने तक, छत्तीसगढ़ के बलरामपुर जिले की दिलमति की कहानी देश के ग्रामीण इलाकों में आ रहे बड़े बदलाव की मिसाल है। दिलमति ने एक सफल सुअर पालन व्यवसाय खड़ा करके न केवल अपने परिवार को आर्थिक तंगी से बाहर निकाला, बल्कि वे छत्तीसगढ़ की ‘लखपति दीदी’ बनकर उभरी हैं।

उनकी इस सफलता ने उनके गांव के कई अन्य परिवारों को भी इस बिजनेस से जुड़ने के लिए प्रेरित किया है। आइए जानते हैं दिलमति के संघर्ष और उनकी कामयाबी की पूरी कहानी।

कौन हैं लखपति दीदी दिलमति?

दिलमति छत्तीसगढ़ के आदिवासी बहुल बलरामपुर जिले के लादुवा गांव की रहने वाली हैं। वे स्थानीय ‘मां दुर्गा महिला स्वयं सहायता समूह’ (SHG) की एक सक्रिय सदस्य हैं। कुछ साल पहले तक दिलमति का परिवार पूरी तरह से पारंपरिक खेती पर निर्भर था। सीमित आय के कारण उन्हें घर चलाने में काफी मुश्किलों का सामना करना पड़ता था।दिलमति की जिंदगी में यू-टर्न तब आया जब वे स्वयं सहायता समूह से जुड़ीं। यहां उन्हें सरकार द्वारा समर्थित आजीविका के अवसरों और योजनाओं के बारे में जानकारी मिली।

₹1 लाख के लोन से ऐसे खड़ा किया साम्राज्य

समूह के अधिकारियों और जानकारों से प्रोत्साहन मिलने के बाद दिलमति ने एक साहसिक कदम उठाया। दिलमति ने स्वयं सहायता समूह (SHG) के जरिए ₹1 लाख का लोन लिया। इस रकम से उन्होंने सुअर पालन का काम शुरू करने के लिए पड़ोसी राज्य झारखंड से 10 सुअर खरीदे।

धीरे-धीरे उनका यह बिजनेस मुनाफे में बदल गया। उनके फार्म में प्रत्येक मादा सुअर 9 से 10 बच्चों (पिगलेट्स) को जन्म देती है, और एक-एक बच्चा बाजार में करीब ₹5,000 में बिकता है। आज के समय में दिलमति के पास 9 मादा सुअर हैं, जिससे उनकी सालाना आमदनी ₹7 लाख से ₹8 लाख के बीच हो जाती है।

कमाई से तैयार किए कमाई के नए साधन

दिलमति केवल सुअर पालन तक ही सीमित नहीं रहीं, बल्कि उन्होंने इस बिजनेस से होने वाली कमाई को समझदारी से दूसरी जगहों पर री-इन्वेस्ट किया:

  1. उन्होंने सुअरों के रहने के लिए एक पक्का और आधुनिक शेड बनवाया है।
  2. खेती को आसान बनाने के लिए धान और मक्का की थ्रेशिंग (मिसाई) मशीनें खरीदीं।
  3. अपनी खेती में ड्रिप इरिगेशन तकनीक को अपनाया और बड़े पैमाने पर जैविक सब्जियों की खेती शुरू की।
  4. इन सब अलग-अलग जरियों से अब उनके परिवार के पास कमाई के कई माध्यम तैयार हो चुके हैं।

गांव की महिलाओं के लिए बनीं रोल मॉडल, प्रशासन भी करेगा मदद

दिलमति की इस बड़ी सफलता ने लादुवा गांव की तस्वीर बदल दी है। दिलमति की कामयाबी को देखकर गांव के करीब 10 से 15 अन्य परिवारों ने भी सुअर पालन को अपनी आजीविका के रूप में अपना लिया है। दिलमति खुद अब दूसरी महिलाओं को नियमित बचत करने, समूहों से जुड़ने और लोन लेकर अपना खुद का बिजनेस शुरू करने के लिए प्रेरित करती हैं।

दिलमति की इस उपलब्धि को देखते हुए बलरामपुर जिला प्रशासन अब इस तरह की आजीविका पहलों को बड़े पैमाने पर विस्तार देने की योजना बना रहा है। बलरामपुर के कलेक्टर चंदन संजय त्रिपाठी के मुताबिक, प्रशासन अब एक ‘गोट क्लस्टर प्रोजेक्ट’ तैयार कर रहा है। इसके तहत और भी अधिक महिलाओं को ‘लखपति दीदी’ बनाने और ग्रामीण महिलाओं की आय बढ़ाने के लिए उन्नत नस्ल की बकरियां उपलब्ध कराई जाएंगी।

Road tripping through Lancashire in a Bentley Bentayga: Finesse in the Fells

Bentley Bentayga front quarter static

We left London at quarter past two on a Monday afternoon, and for the next four hours, the Bentley Bentayga did what most cars can only pretend to do on the M40 and M6. It made the motorway disappear. Settle into the driver’s seat of this Speed variant, and the first thing you notice is how little there is to notice – and yet how much there is to appreciate. The cabin is hushed to the point of unease, wind and road noise simply refusing to show up, leaving you enveloped in a space that celebrates analogue tactile pleasure in an increasingly digital world. Front and centre on the dashboard sits a Breitling analogue clock, anchoring the cabin with old-world authority. Below it, the knurled metal organ stop levers for the air vents operate with a satisfying mechanical resistance that no touchscreen has ever replicated. 

A cabin that celebrates tactile touch in an age that has forgotten it. Leather-stitched with the patience of people who still care.

The audio system is by Naim – the Wiltshire-based hi-fi company whose amplifiers have been a byword for sonic purity since 1973 – and with Pavarotti filling the cabin at modest volume somewhere past Birmingham, it was immediately clear this was not a system installed merely to tick a specification box. Rear seat passengers, meanwhile, had their own touchscreen for climate and media control – ours showing Pavarotti mid-aria, which felt, in a Bentley, entirely correct. Neither the Bentayga nor Lancashire feel the need to tom-tom their virtues. Both simply get on with it, and trust that the right people will notice. I have driven this route north before in lesser company, and it has never once felt this short.

Every detail in the Bentayga Speed — the Naim audio system, the organ-stop vents, the diamond-quilted dash, the rear-passenger screen, the sill that quietly announces it was hand-crafted in Crewe — speaks of a car assembled by people who considered indulgence a serious responsibility.

We continued north, crossing into Lancashire before finally turning off the motorway. Our destination was Northcote, nestled in the Ribble Valley near the village of Langho. As we made our approach, England changed its mind about what kind of country it wanted to be. The road narrowed and hedges closed in from both sides, threatening the Bentley’s two-metre width. The light was dropping into that long northern evening glow, and at the end of a gravel drive, Northcote appeared looking exactly like the opening shot of a film about an English country weekend. The Bentayga rolled up the approach, announcing its arrival with the polite crunch of low-profile Pirelli tyres on small stones – a suitably understated entrance for a 19th-century manor house that has seen a thing or two pull up outside.

We were here for dinner, bed and breakfast, and Northcote does none lightly. Chef Patron Lisa Goodwin-Allen has been translating this landscape into food since 1996 – three decades of a Michelin star, unbroken, which in the restaurant business is closer to a geological era than a career. Five courses arrived in unhurried succession, featuring asparagus, scallop, sole, local Lake District lamb, and a rich Valrhona chocolate to close – each dish a study in contrast and harmony, every course making the next feel inevitable. After dinner, we retired to one of the garden lodge deluxe suites: a fireplace casting a warm glow across the room, a private terrace looking out toward the dark valley, a deep tub in a bathroom that invited lingering. I went to bed deeply content, waking to a golden Ribble Valley morning that invited long, lazy walks. But the ribbon of tarmac through the Forest of Bowland was waiting, and the Bentayga was beckoning from the car park.

One of England’s best-kept secrets, this area of outstanding beauty is a delight for walkers and driving enthusiasts.

The road out runs through Clitheroe, where a Norman keep sits on a limestone mound with views stretching all the way to Pendle Hill, then climbs into the Forest of Bowland proper – 312 square miles of open moorland, fell, and river valley, largely left alone by the twenty-first century. I flicked the rotary drive selector into Sport early, curious to see what a two-and-a-half tonne SUV would make of roads that seemed written for something small and nimble. The transformation was immediate and theatrical – the car drew a long breath, settled onto its haunches, and changed its personality entirely. The steering weighted up with quiet authority, the throttle sharpened to a hair-trigger, and the Bentley Dynamic Ride system – it uses a 48-volt electrical architecture to split the anti-roll bars and sandwich an electric motor and planetary gear set between the halves, applying up to 1,300Nm of torque to each bar and reacting in as little as 0.06 seconds – kept the big SUV as flat through corners as a saloon car, entirely unbothered by its own considerable mass. The Bentayga had stopped being a grand tourer and become, without any fuss whatsoever, a driver’s car.

The signpost at Newton-in-Bowland offers four directions. For the traveller with time, there is no wrong turn here.

Dunsop Bridge slid past in a matter of seconds – a handful of stone houses, a red telephone box marking the geographic centre of Great Britain, and directly opposite, the Puddleducks Tearooms, where actual ducks were crossing the asphalt in front of us with the unhurried confidence of creatures who know they own the place.

And then came the Inn at Whitewell. It sits on a bend of the River Hodder, a low stone building with the fells rising behind it and the river running just below the terrace, dating to the 14th century when it housed the keeper of the King’s Forest. The manager told me that King Charles III had stayed the night here once, arriving by train to Lancaster and driving up through the valley. We parked the Bentayga in the gravel yard among vintage Land Rovers in active use by local farmers – the Bentley not looking remotely out of place, which says everything about both the car and the inn.

The ducks at Dunsop Bridge crossed the road with unhurried nonchalance. The Bentayga waited indulgently.

We had lunch at the exact spot where Steve Coogan and Rob Brydon filmed the opening episode of The Trip. Head chef Jamie Cadman has been running this kitchen for 29 years, and the scallops, the ribeye cooked medium-rare, and a crème brûlée of memorable creaminess proved that his tenure was very well spent. Afterwards we walked – an hour and a half across stepping stones and up into the moors, dappled afternoon light, the swish of boots in wet grass, sheep in fields arranged for maximum Englishness. We came back with deep-cleaned lungs, finding the Bentayga still flanked by a mud-caked Land Rover and a tractor. Even if it had feelings about its utilitarian neighbours, it kept them, with characteristic British restraint, entirely to itself.

Then came the Trough of Bowland – and the Bentayga’s finest hour. On these sweeping corners and squiggly bends that open into long glorious straights, the V8 deepened into a proper barrel-chested growl, the eight-speed ZF gearbox snapping through ratios with surgical precision. Burying my right foot out of a long right-hander, the 4.0-litre twin-turbo unleashed 850Nm of torque across a broad plateau between 2,250 and 4,500rpm – not a single violent hit but a sustained, relentless wave that simply didn’t stop. 2,440 kilograms of hand-built British engineering launched forward, brutally and joyfully hard, dispatching 0-100kph in 3.6 seconds. Yet at no point did it feel like it was getting away from me. The permanent all-wheel-drive system shuffles power between axles with imperceptible speed, while the all-wheel steering tightens the car into corners at low speed and plants it with absolute authority on high-speed straights. The confidence arrives quickly and stays.

Lancaster revealed itself in the late afternoon, featuring cobbled streets, a castle that hosted the Pendle Witch Trials of 1612, and a quayside built on 18th-century trading wealth. Our base was Quite Simply French on St George’s Quay, four boutique rooms in a 1750 warehouse with bare stone walls, timber beams, and the River Lune drifting past the windows. The 360-degree camera system made light work of threading the Bentley down the narrow quayside street. Dinner was a proper French feast including lobster, escargots, and a wine list worth lingering over.

Crème brûlée and ribeye at Whitewell, scallops at Northcote, scrambled eggs at Quite Simply French – Lancashire is a foodie’s delight.

Breakfast the next morning was the quiet revelation of the trip: scrambled eggs of extraordinary creaminess, sourdough toast, hand-churned butter, sea salt, genuinely good coffee – a little slice of France transplanted into the heart of Lancashire, courtesy of head chef Luke Johnson, fifteen years in this kitchen and showing no signs of slowing down.

From Lancaster, we pointed toward the coast. Lytham is a handsome Edwardian seaside town of independent shops, a sprawling seafront green, and the wide Ribble Estuary beyond. At its centre stands a solid white 19th-century windmill, which we explored as the weather turned grey and blustery in the way English coastal mornings sometimes insist upon. We spent the night at the Clifton Arms on the seafront – Grade II-listed, dating to 1839, cast-iron balconies and classical columns looking out over the Green. The next morning’s photograph said everything: the Bentayga framed against the stark white of the windmill, hand-assembled British engineering against handmade British stone, both entirely unhurried and at home.

The Bentayga on Lytham seafront, with the town’s 19th-century windmill for company.

The drive back down the M6 was every bit as uneventful as the journey up. This is perhaps the highest compliment a grand tourer of this calibre can be paid. Over three days, the Bentayga had done everything asked of it by devouring a motorway slog in near-total silence, charging through the Trough of Bowland with a soundtrack fit for a film score, threading a medieval quayside without breaking a sweat, and reshaping its chassis, drivetrain, and suspension to whatever the road demanded, all while making every mile feel like it was exactly where it was meant to be.

A burbling brook, a solid oak, and a hand-crafted car from Crewe — together in the Forest of Bowland. This picture quietly states “England”.

Lancashire is a county most tourists simply ignore, and that is precisely its saving grace. A few slow days spent looping through its corners delivered everything the quintessential English road trip ought to be – cosy country inns with roaring fires, smashing food that makes a detour entirely mandatory, and layers of medieval history etched into stone castles. There were long walks across the wet moors that left my boots soaked and my head clear, and scenic roads that begged to be driven. This is the good old English countryside exactly as it should be. It is a landscape that deserves to be savoured in a leisurely manner and preferably from the cockpit of something exactly this magnificent.

Video: भारतीयों की सेविंग्स की आदत के पीछे क्या है असली वजह, यूरोप में 10 साल रहे शख्स ने बताए 4 बड़े कारण

भारत में बचत करना सिर्फ एक अच्छी आदत नहीं, बल्कि जिंदगी का अहम हिस्सा माना जाता है। ज्यादातर परिवार बचपन से ही बच्चों को पैसे संभालकर खर्च करने और भविष्य के लिए बचत करने की सीख देते हैं। नौकरी लगने के बाद भी लोगों की पहली प्राथमिकता अक्सर सेविंग्स बढ़ाना और आने वाले समय के लिए आर्थिक सुरक्षा तैयार करना होती है। वहीं, यूरोप के कई देशों में रहने वाले लोगों की जीवनशैली इससे काफी अलग नजर आती है। वहां लोग भविष्य की चिंता के बजाय वर्तमान में खुलकर खर्च करते हुए दिखाई देते हैं।

आखिर दोनों जगहों की सोच में इतना बड़ा अंतर क्यों है? क्या इसकी वजह सिर्फ लोगों की मानसिकता है या इसके पीछे कोई और कारण भी छिपा है? इसी सवाल का जवाब यूरोप में लंबे समय से रह रहे एक भारतीय कंटेंट क्रिएटर ने अपने अनुभव के आधार पर दिया है, जिसने सोशल मीडिया पर नई चर्चा छेड़ दी है।

  1. इलाज का खर्च सबसे बड़ी चिंता

मुकुल के मुताबिक, यूरोप में लोग टैक्स और सोशल सिक्योरिटी के जरिए हेल्थकेयर का लाभ लेते हैं। किसी बड़ी मेडिकल इमरजेंसी में उन्हें इलाज के खर्च की ज्यादा चिंता नहीं करनी पड़ती।

वहीं भारत में कई परिवारों को अस्पताल का खर्च खुद उठाना पड़ता है। यही वजह है कि लोग मेडिकल इमरजेंसी के लिए पहले से पैसे बचाकर रखते हैं।

  1. बच्चों की पढ़ाई पर होता है भारी खर्च

उन्होंने बताया कि यूरोप के कई देशों में सरकारी स्कूलों में अच्छी और मुफ्त या बेहद कम खर्च वाली शिक्षा मिल जाती है। जहां भारत में बड़ी संख्या में माता-पिता अपने बच्चों को प्राइवेट स्कूलों में पढ़ाना चाहते हैं, जहां फीस और दूसरे खर्च काफी ज्यादा होते हैं। इसलिए बच्चों की पढ़ाई के लिए पहले से बचत करना जरूरी माना जाता है।

  1. रिटायरमेंट के लिए खुद बनाना पड़ता है सहारा

मुकुल का कहना है कि यूरोप में सोशल सिक्योरिटी और पेंशन जैसी सुविधाएं लोगों को भविष्य को लेकर कुछ राहत देती हैं।

जबकि भारत में अधिकतर लोग अपनी रिटायरमेंट के लिए खुद ही पैसा जोड़ते हैं। नौकरी के दौरान लगातार बचत करने की यही एक बड़ी वजह है।

  1. शादियों पर होता है लाखों का खर्च

उन्होंने ये भी कहा कि भारत में शादी सिर्फ एक समारोह नहीं, बल्कि बड़ा पारिवारिक आयोजन होती है। कई परिवार शादी पर अपनी सालों की बचत खर्च कर देते हैं।

यूरोप में आमतौर पर शादियां काफी सादगी से होती हैं, इसलिए वहां लोगों पर ऐसा आर्थिक दबाव कम होता है।

लोगों ने क्या कहा?

वीडियो सोशल मीडिया पर तेजी से वायरल हुआ और इस पर लोगों ने अलग-अलग राय दी।

एक यूजर ने लिखा, “आपकी बातें हमेशा जानकारी बढ़ाने वाली होती हैं।”

दूसरे यूजर ने कहा, “भारत में सिर्फ अपने लिए नहीं, बल्कि माता-पिता और पूरे परिवार की जिम्मेदारी भी निभानी पड़ती है। खासकर 90 के दशक की पीढ़ी पर ये दबाव ज्यादा है।”

एक अन्य व्यक्ति ने लिखा, “आपके सभी पॉइंट सही हैं।”

वहीं एक यूजर का कहना था कि भारत की बड़ी आबादी भी इसकी एक अहम वजह है, क्योंकि इतनी बड़ी जनसंख्या को सभी तरह की सरकारी सुविधाएं देना आसान नहीं है।

बचत की आदत के पीछे सिर्फ सोच नहीं, व्यवस्था भी

मुकुल आनंद का मानना है कि भारत और यूरोप के लोगों की बचत की आदत में सबसे बड़ा फर्क उनके देश की व्यवस्था से आता है। जहां यूरोप में कई जरूरी खर्चों का बोझ सरकार और सोशल सिक्योरिटी सिस्टम संभाल लेते हैं, वहीं भारत में लोगों को अपने भविष्य की सुरक्षा के लिए खुद पहले से आर्थिक तैयारी करनी पड़ती है।

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