Tuesday 29 March 2016



Government of India has proposed the merger of 27 Public Sector Banks (PSB) into six.

Given below are the names of
PSBs with the Anchor Bank (with Bank with which other Banks will get merged). 

1. State Bank of India (Anchor Bank)

State Bank of Hyderabad
State Bank of Patiala
State Bank of Travancore
State Bank of Bikaner & Jaipur
State Bank of Mysore

2. Punjab National Bank (Anchor Bank)

Oriental Bank of Commerce
Allahabad Bank
Corporation Bank
Indian Bank

3. Canara Bank (Anchor Bank)

Syndicate Bank
Indian Overseas Bank
UCO Bank

4. Union Bank of India (Anchor Bank)

IDBI Bank Ltd
Central Bank of India
Dena Bank

5. Bank of India (Anchor Bank)

Andhra Bank
Bank of Maharashtra
Vijaya Bank

6. Bank of Baroda (Anchor Bank)

United Bank of India
Punjab & Sind Bank
Bhartiya Mahila Bank

Under direction of RBI that from 1st April 2016 the clearing of cheques would be done on the same day in house where cheque is deposited i.e. with any Bank whether Nationalised & co - operative etc. and while screening if there is insufficiency of fund the bounced chq cannot be represented again & payee if need be will have to file legal complaint under section 138 System will change
take care of cheques issued.

1- ECS will be replaced with NACH from 01/04/2016.
2- Kindly ensure that all ECS payment to be made through till 31/03/2016.
3- NACH stands for National Automated Clearing House.

About NACH

National Payments Corporation of India (NPCI) has implemented “National Automated Clearing House (NACH)” for Banks, Financial Institutions, Corporates and Government a web based solution to facilitate interbank, high volume, electronic transactions which are repetitive and periodic in nature. NACH System can be used for making bulk transactions towards distribution of subsidies, dividends, interest, salary, pension etc. and also for bulk transactions towards collection of payments pertaining to telephone, electricity, water, loans, investments in mutual funds, insurance premium etc.
National Automated Clearing House (NACH) is a centralised system, launched with an aim to consolidate multiple ECS systems running across the country and provides a framework for the harmonization of standard & practices and removes local barriers/inhibitors. NACH system will provide a national footprint and is expected to cover the entire core banking enabled bank branches spread across the geography of the country irrespective of the location of the bank branch.

With the implementation of NACH system, NPCI intends to provide a single set of rules (operating and business), open standards and best industry practices for electronic transactions which are common across all the Participants, Service Providers and Users etc. NACH system also supports Financial Inclusion measures initiated by Government, Government Agencies and Banks by providing support to Aadhaar based transactions.
The NACH system facilitates the member banks to design their own products and also addresses specific needs of the banks & corporates including a refined Mandate Management System (MMS) and an online Dispute Management System (DMS) coupled with strong information exchange and customised MIS capabilities.

The NACH system provides a robust, secure and scalable platform to the participants with both transaction and file based transaction processing capabilities. It has best in class security features, cost efficiency & payment performance (STP) coupled with multi-level data validation facility accessible to all participants across the country.

NACH’s Aadhaar Payment Bridge (APB) System, developed by NPCI has been helping the Government and Government Agencies in making the Direct Benefit Transfer scheme a success. APB System has been successfully channelizing the Government subsidies and benefits to the intended beneficiaries using the Aadhaar numbers. The APB System links the Government Departments and their sponsor banks on one side and beneficiary banks and beneficiary on the other hand.

Sunday 20 March 2016



The most dreaded vision a woman in her thirties wants to see in her mirror are signs of ageing manifested as wrinkles or lines. Fortunately for her, relief is available in the form of facial fillers. Injectable wrinkle fillers can give her a more youthful look for about 15 percent of what a traditional facelift costs, which could be anywhere between $8-20,000, depending on the number and types of procedures involved. Most will fill lines and wrinkles in less than 30 minutes, making her look younger instantly with results that can last from four months to more than a year. This is not to be confused with Botox treatment, which relaxes the no longer supple muscles that prevent wrinkles from forming, and which last for 90-120 days at the most.

Injectable wrinkle fillers fill the line, crease, or area with one of several different substances. As a result, trouble spots nearly disappear. Wrinkle fillers can also be used as volumisers (inflated cushions to support facial structures and tissues that may have lost volume or elasticity due to normal aging), plumping and lifting cheeks, jawlines, and temples; filling out thin lips and plumping sagging hands.

The treatment is fast and easy. But all facial fillers have a downside, including the risk of allergic reaction and the formation of tiny bumps under the skin, which, in some cases, could become permanent and require surgery to remove. In very rare cases, skin cells may die if the wrinkle fillers are not used properly. There have also been a few reported cases of blindness and nerve paralysis. Typically, the wrinkle fillers that last longer are the ones more likely to cause side effects.

Not every wrinkle-filler is right for every type of wrinkle. The least risks and best results come from using the right one correctly. That's why patients should only have fillers injected by a board-certified dermatologist or plastic surgeon with ongoing, special training.

Hyaluronic Acid Wrinkle Fillers

Though each type of filler works in a slightly different way with varying results, the most popular category of wrinkle fillers is hyaluronic acid because of its compatibility with the human body. In fact, this substance is found in almost every single living thing. In humans, hyaluronic acid (Hyaluronan) is a natural substance found in the body. High concentrations are found in soft connective, epithelial, and neural tissues and in the fluid surrounding the eyes. It's also in some cartilage and joint fluids, as well as skin tissue. Hyaluronic acid forms in plasma and contributes to cell proliferation and migration.  The average 70 kg (154 lb) person has roughly 15 grams of hyaluronan in the body, one-third of which is turned over (degraded and synthesised) every day. It is generally used as a lip filler in plastic surgery and also as a moisturiser.    

With its properties, it acts as a network that transfers essential nutrients from the bloodstream to skin cells in humans. Side effects are rare but can include redness, swelling, and bruising at the injection site. The filler may also show up under the skin as tiny bumps. This is a problem that often improves over time and rarely requires surgery.

The Hyaluronic Acid Injection Procedure

If you are going in for a hyaluronic acid injection, your surgeon will listen to your desired results, discuss it and then evaluate your facial appearance and skin tone, examining the areas of your face to be augmented with hyaluronic acid as a filler. The surgeon will mark strategic points on your face as guides to the appropriate injection sites for the filler as part of your wrinkle removal treatment.

Your injection sites will be cleansed with an antibacterial agent. Then a topical anesthetic will be used to numb the area, particularly if you are sensitive to injections. In some cases, the hyaluronic acid injection includes an anaesthetic in the mixture. The actual injections will take just a few seconds per site. After the hyaluronic acid injection, the marks will be washed away and you will be offered an ice pack to reduce any minor and temporary discomfort. At this point you may apply makeup, but be careful not to apply pressure to the treated areas, as doing so may result in movement of the injected hyaluronic acid.

Scars and deep lines will often require multiple injections to achieve your desired results. If a deeper injection is required, you'll be offered a local anaesthetic to remain comfortable. Common sites for deeper tissue fillers are the nasolabial folds and marionette lines, or to enhance fullness in the cheeks.

Hyaluronic acid is injected directly below the wrinkle through very fine needles. As stated earlier, the treatments typically take less than 30 minutes, depending how many lines are treated and cause very little discomfort. How long the results last varies from several months to over a year or two. Some research shows that repeated injections may help stimulate the body's own natural production of collagen. That will help reduce the number of lines and wrinkles. There is also some evidence that less filler is needed over time to achieve the same look.

Hyaluronic wrinkle fillers include brands like Belotero Balance, Captique, Elevess, HylaForm, Juvederm, Perlane, Esthélis, Puragen, Prevelle Silk and Restylane.

In the last few decades, various synthetic forms of hyaluronic acid have been developed and used to correct disorders in the fields of rheumatology, ophthalmology, and wound repair. More recently, synthetic forms of hyaluronic acid are being manufactured for use in face augmentation. This smaller category of wrinkle fillers includes lab-made substances that are not related to anything found naturally in the skin.

The Tyndall Effect: Sometimes, a bluish skin discoloration happens when a non-animal stabilized hyaluronic acid (NASHA) filler is injected too superficially. The colour change can last for several months, but there are treatments available. This incorrectly injected filler may cause light beams penetrating the skin surface to be dispersed in many different directions in light scattering. Blue light has a shorter wavelength of about 400 nm and thus a higher frequency than red light, which has a wavelength of about 700 nm. Therefore, the superficially implanted filler material scatters blue light about 10 times more strongly than red light. The blue light then traces a visible path back to the skin surface. The resulting bluish appearance of the skin is called the Tyndall effect.


Wrinkle fillers are among the safest cosmetic procedures in use today. But there are things you can do to help ensure your treatment is safe:

  • Don't let price be your guide. Your face is your fortune. If you are offered a wrinkle filler treatment that costs far less than the standard treatment, it's likely some compromises are being made, either in the skill of the provider or the quality of the product. Never risk making a bargain with your face.  
  • All wrinkle fillers should be done in a medical setting with sterile instruments. Treatments done in homes, hotels, spas, or resorts are not being done in medical environments, regardless of who is doing them. 
  • Do not get injectable wrinkle fillers from sources outside a doctor's office.   

  • Use sunscreen daily to help preserve the filler and help protect against post-inflammatory pigment changes.

Monday 14 March 2016



The sale of a rare bottle of Dalmore 64-year-old Scotch whisky in November 2011 for nearly $200,000 evoked typical reactions. “If you pay that much, you canna drink it, and wha’s the use a just lookin’ at the bottle?” asked a Gaelic patriarch. But just as there are wine geeks, there are people who get carried away over Scotch.

The rituals are the same — the swirling, the sniffing, the mouth sluicing — and so is much of the vocabulary. Hint of pear, cinnamon, crushed almonds, marzipan; whiff of tobacco, leaf-smoke, moist leather. Geography matters for whisky just as much as for wine. Not only are the products of Scotland’s main whisky-making regions — Lowland, Highland, Speyside, Islay and Campbeltown — characteristically distinct, but even whiskies from distilleries just a couple of miles apart can taste vastly different. This one is sweet and grassy, with a hint of barn straw and damp car seat; that one smoky and peaty, with notes of dried moss and wet sheepdog. There are no vintages for whisky — the distiller’s aim is a product that is consistent from year to year — and once bottled, whisky doesn’t age. But before bottling, it does age in the cask, taking on flavour from the wood and the bourbon or sherry that used to be stored there. With wine, older is generally better; the same holds good for whisky and whisky collectors regularly shell out huge sums for rare bottles.

For $160 or so, collectors in America will shortly be able to buy, nestled in a little crate made in China to look authentically Scottish, not a rarity, exactly, but a replica of one: whisky fabricated to resemble the whisky that the explorer Ernest Shackleton took with him to the Antarctic so long ago that people had forgotten all about it. 

In February 2007, workers trying to restore Shackleton’s hut there accidentally came across three cases of Scotch — “Rare old Highland malt whisky, blended and bottled by Chas. Mackinlay & Co.” — frozen in the permafrost. The labels on the whisky say it was intended for what Shackleton was planning to call the Endurance expedition but ended up being known as the Nimrod expedition of 1907, which was the earlier and lesser-known of his two great journeys but the more successful. He actually got to within about 100 miles of the South Pole, farther south than anyone had gone previously. 

Shackleton would have loved the idea of a replica whisky. An improvident man, always in debt, he was partial to get-rich-quick schemes, including a Hungarian gold mine. By today’s standards, he was an unlikely explorer, with little scientific training or interest. He wasn’t even particularly enthralled by snow and ice. What motivated him was the lure of fame and wealth, and exploration was the best way he knew to get them. Shackleton’s great gift was his personality. He was irresistibly charming, especially to women, and for his time — he was born in 1874 — was a highly advanced adulterer, who liked sharing his girlfriends with their husbands. Men adored him, too, in part because he ignored social hierarchy and treated everyone the same. He was an instinctive, natural leader who somehow inspired others to share impossible hardships with him.

The whole Nimrod expedition was almost comically ill equipped, partly because it was underfinanced but also because of Shackleton’s stubbornness. He believed in doing things the hard way — in manly, British fashion. Norwegian explorers like Fridtjof Nansen and Roald Amundsen had already demonstrated that the best way to get around in the polar regions was to use cross-country skis and to have sled dogs pull the supplies. Shackleton had skis, but neither he nor anyone on his team could be bothered to really learn how to use them. Robert Scott, whose 1901 Discovery expedition included Shackleton, detested dogs, because they had the ungentlemanly habit of eating their own excrement, and Shackleton seems to have inherited the prejudice. For the Nimrod expedition, he took along Manchurian ponies, who sank in the snow up to their bellies and proved more useful as food than as transport, and a motorcar, which repeatedly became stuck in the drifts. For most of the journey, he and his men pulled their own sledges, as Scott’s team had, sometimes trudging through waist-deep snow.

There was no fresh fruit or vegetables, but in all there were 25 cases of whisky — for warmth and a little perk-up, presumably — along with 12 of brandy and 6 of port. They were a hard-drinking crowd. The excellent and helpful “Shackleton,” by Roland Huntford, describes how at a midwinter Christmas party in June 1908, the men wore paper hats and funny noses; Alistair Mackay, the second surgeon, passed out after drinking two-thirds of a bottle of whisky; another of the team, Frank Wild, got moody and tried to pick a fight, as he tended to do. Shackleton himself liked to pull a cork, and heavy drinking and smoking may account for his death of a heart attack aged 47.

Why was the whisky found under the hut and not inside with the other rations? One theory is that Shackleton himself put it there in the fall of 1908, before setting off for the pole, in anticipation of a victory celebration when he returned. But the fact that one case was found pried open, with a bottle missing, suggests that the whisky there may have been someone’s secret stash. Wild, who was known to have a drinking problem, is a possible candidate.

Whisky lovers also like to imagine that the occasional bracing, restorative tot helped Shackleton and his three companions — Wild, Eric Marshall and Jameson Adams — withstand the hardship of their 1,700-mile trek south and back. On Christmas Day, they celebrated with crème de menthe. It’s unlikely, though, especially on the return leg, when exhausted and malnourished and racing to get back before the Nimrod left, that they would have wanted the burden of whisky bottles. What really got them through was cocaine — in the form of pills called Forced March, which at one point Marshall fed the group every hour or so.

Shackleton thought that the trip to the South Pole and back would take about 90 days, but in the end he was gone for 122, most of them miserable. They left in late October, and by January it was clear that though they might reach the pole, it was very unlikely they would return alive. After making one last, desperate push, Shackleton reluctantly turned back for the hut on Jan. 9. “A live donkey is better than a dead lion,” he later told his wife. By the end they were on half rations and barely made it. Shackleton, who disliked wearing goggles, suffered agonies from snowblindness. All the men developed dysentery, Wild worst of all, most likely from eating tainted pony meat. When supplies ran low Shackleton characteristically gave him his own share. “By God, I shall never forget,” Wild wrote. “Thousands of pounds would not have bought that one biscuit.” When the four got back to the hut, they were barely recognizable. These were all men in their 20s and 30s, and yet in a famous photograph taken onboard the Nimrod, they look ancient, weather-worn and leathery, almost like those prehistoric bodies dug up from peat bogs. A good stiff drink right then would have knocked them flat.

Mackinlay whisky stopped being made in significant quantities in 2006. The brand is now owned by Whyte & Mackay, a venerable Glasgow firm founded in the late 19th century by two disciples of Bacchus, who both died of cirrhosis. (Alcoholism is, or used to be, an occupational hazard in the whisky industry, especially in the pre-1970 days of “dramming,” when distillery workers were allowed three hefty rations of newly distilled, undiluted spirit a day, the first at 7 in the morning.) Starting in the 1970s, as part of the worldwide consolidation of the spirits business, Whyte & Mackay was sold to one conglomerate after another, and in 2007 the firm was acquired by Vijay Mallya, an Indian billionaire and beer baron. In 2014, W&M was sold to Emperador, a Philippines-based drinks manufacturer for US$ 430 million, a loss of $165 million in real terms, but in excess of $200 million in actual terms.

In India, Mallya was known as the King of Good Times. Some observers thought he wildly overpaid for Whyte & Mackay, perhaps out of sentimentality, because Jura, one of the company’s brands, was his father’s favourite whisky. But Mallya insisted that he knew exactly what he was doing: acquiring enough whisky supply to satisfy the Indian market, which he expected shortly to become the world’s largest. “I’m in the spirits business, and I wanted to ensure I had ample stock,” he said. . . “No spirits-business line is complete without Scotch.” India became the world’s largest whisky market in 2014 and a lot of Scotch whisky is moving thataway. Except for one thing-the King of good times has been dethroned and has run away to England for non-payment of dues in the hundreds of millions! Diageo, which had wrested control of USL, the parent of Whyte & Mackay and many others, is laughing behind the arras.

There is a general impression that John Walker, of Kilmarnock, Ayrshire, was the first and largest recognised blender of Scotch Whisky, once the blending of grain and malt whiskies became legal in 1860. The fact is that it was the Mackinlay’s of Leith who were the largest blenders of the 19th century, expanding to Inverness as money rolled in rapidly from sales of their own brands. In 1883, they produced a globally bestselling 8 YO blended Scotch whisky for a brand desired by one Arthur Millard, an employee of Phipson & Co. Wine Merchants, Apollo Road, Bombay(now Mumbai), India, named Millard’s Black Dog. In 1889, Phipson placed an order for a 12 YO premium blend using up to 25 single malts and grain whiskies named Phipson’s Black Dog to replace diminishing stocks of the earlier version 8 YO Millard’s Black Dog. This new premium whisky predated Walker’s Extra Special Old Highland Whisky, first blended in 1899, further refined and renamed Johnnie Walkers Black Label in 1909 by ten years. Not only was it more popular, it was also more expensive. 

Charles Mackinlay was born in Ayrshire in 1809 and created Charles Mackinlay & Co. in 1847, legalising his grocer father's highly lucrative grocery cum vatted whisky shop established in 1815, from where he sold illicit blended Scotch whisky. Charles used to enjoy a round of golf on the nearby course at Leith, and he conceived The Original Mackinlay to match this sporting spirit.

In 1875, Charles registered the brand Mackinlays Vatted Old Benvorlich Scotch whisky and opened offices in London, first on Queen Victoria Street then to Crutched Friars. Thus, Mackinlays Vatted Old Benvorlich, probably one of the first blended malt whiskies to be marketed, was introduced to London. An early account was established with the Refreshment Department at the House of Commons. Whisky was still being provided there as late as 22 December 1885, according to a letter from Alexander Gordon & Co., Ltd, Pro & Es.

Charles Mackinlay & Co. purchased Corbett Borthwicks Warehouse, East Old Dock, Leith, in 1875. Notable Mackinlay & Co. employees included James Buchanan (1879), Thomas Dewar (cashier, 1881) and James Watson (1891). In 1885, James Buchanan left the Company to found Black & White Scotch Whisky and became Lord Woolavington. James Mackinlay and John Birnie built the Glen Mohr Distillery, Inverness, trading as Mackinlays & Birnie, Ltd. Working with a Frenchman named Saladin, this distillery became the first to install a Saladin box (during the 1950’s), which was to revolutionize the malting process. His son Alexander MacKenzie bought the Glen Ord distillery and began marketing and selling some of Glen Ord under the name of Glen Oran. In 1896, MacKenzie sold the distillery to James Watson & Son, whisky blenders of Dundee. The company had previously acquired three other distilleries as they were primarily invested in selling blended high quality whiskies, mainly Watson's No. 10. Watson would sell the distillery to Dewar and Sons in 1923.
The 5YO

Mackinlay–McPherson Ltd was formed in 1962 to combine and run the wine and spirit side of Scottish & Newcastle Breweries Ltd, Edinburgh, Scotland, gaining control of Glenallachie Distillery Co Ltd, Aberlour–on–Spey, Scotland, and Isle of Jura Distillery Co Ltd, Craighouse, Isle of Jura, Scotland, in the 1960s. The company was formed by a merger between Charles Mackinlay & Co, whisky blenders and merchants, Leith, Scotland, founded in 1815, John Ewan McPherson & Sons Ltd, brewers and whisky blenders, Newcastle–upon-Tyne, England, founded in 1857,  and the Scottish & Newcastle Breweries’ Wine and Spirit Department. Until the formation of Waverly Vintners Ltd they controlled the wine and spirit interests of the group.

When Waverly Vintners Ltd was formed in 1974, Macinlay–McPherson became their national wholesale company. Macinlay–McPherson offered a vast selection of own brand and proprietary wines and spirits to the tied and free trade. Waverly Vintners was still a part of Scottish & Newcastle plc in 2001.

Invergordon Distillers acquired Charles Mackinlay, Ltd in 1985 and, thus, control of Jura and Glenallachie distilleries from Scottish & Newcastle Breweries. Mackinlay standard whisky is at least five years old (all constituents of their three brands - 5, 12 and 21-year old - all must exceed the stated age), with portions drawn from both grain distillation and malt whisky. Charles Mackinlay & Co. Ltd - in 1989 part of the Invergordon Distillers Group - operated from five distilleries. The grain distillery churns out clear spirit that is the price reducer for all standard whisky. These whiskies are regarded by their spirit proportions, with the 5 YO having 34 percent malt.

Charles Mackinlay & Co. Ltd. thus had malt whisky distilleries on the Isle of Jura, in Speyside at Glenallachie and one in the Highlands, Tullibardine at Blackford. The focus of malt whisky content in blended whisky becomes much more apparent with Mackinlay’s two older deluxe whiskies - Legacy 12 year-old and 21-year old. Malt whisky continued to create interest worldwide, with sales globally at three percent of the whisky market in 1988, while only 1.5 percent in 1985. The Original Mackinlay is described as “sweet, mellow, full-bodied, lingering taste, malty, rich amber colour.”

Invergordon was acquired by Whyte & Mackay Group for American Brands, Inc., in 1995. Jim Beam Brands World-Wide, Inc., in turn, subsequently acquired Whyte & Mackay Group, before selling out to Vijay Mallya. 

Today the Original Mackinlay continues asserting its claim to be one of the great traditional Scotch whiskies as it was when under the strict control of master blender Donald Mackinlay, the fifth generation of the family.

One hundred and ninety years of experience go into the unique skill of achieving a perfect balance of malts and grains, of providing a distinctive five year old with a rounder more mellow quality. Charles Mackinlay and Company are fortunate to be part of a group owning some of the finest distilleries in Scotland. 

In summary, the story of conceiving, distilling and bottling The Original Mackinlay by Charles Mackinlay during the 19th century is fascinating.

Friday 11 March 2016




Loyola High School and Junior College is a Jesuit school situated in Pashan, Pune, India. The school opened in June 1961, offering primary, secondary, and pre-college education. Its name comes from St. Ignatius of Loyola, a sixteenth-century saint who was recognised for his devotion to education and is best known for founding the Society of Jesus (SJ). Loyola High School is run by Jesuit priests and welcomes students from all ethnic, cultural, and economic backgrounds. 

All priests are Indian, since priests from overseas aged below 65 were asked to leave when unfounded charges of proselytisation were levelled against them by stupid and paranoid local and central government agencies. This was a colossal loss to students in general and selfless education as a whole. Absorbing this setback, the school was upgraded to a Junior College in the 90s.  

Loyola High School and Junior College is an English medium institution but requires Marathi and Hindi as compulsory languages up to the Class VIII. High school students have the option of taking German in lieu of Marathi. The institution prepares students for the Maharashtra State Secondary School Certificate (SSC, Class X) and the Higher Secondary Certificate (HSC, Class XII) examinations.

Work on the school started in early 1960. Rev. Rudolf J Schoch, S.J., had dreamed of the site where the school now is and requested the National Chemical Laboratory (whose land it was) to set up the school. Land was provided on lease. The establishment of the school had become necessary to take the load off the highly popular St. Vincent's High School, Pune Camp, and all students not living in Pune Camp and Pune City (up to Lakdipul, i.e., the wooden bridge across the River Mutha linking Pune City with Deccan Gymkhana) were asked to shift to Loyola's. The same logic was applied to the overcrowded St Anne's School opposite St. Vincent's and the affected girls were shifted to The Convent of Jesus & Mary at St. Joseph's High School, located directly in front of and between Loyola's and Pashan Road.

Another compelling reason was that children of Faculty and Staff at the National Defence Academy (NDA), some 25 km from Pune Camp, did not have school facilities beyond Class VI. The junior school at NDA was run by Jesuits, the Principal being the imposing figure of the cigar-toting Rev. Anton Rehm, from Switzerland. This entire school and staff was merged with Loyola and all children of residents in the NDA would come to Loyola's/St Joseph's, a 15-km trip by bus. This cost them 40 minutes each day, but was actually a 30 minute saving each way compared to schooling at St. Vincent's/St. Mary's. Rev. Anton Rehm was the first Principal of Loyola, when the school became operational, guiding its establishment from 1961-63, handing over next to Rev. A.E.Oesch.

The girl's school building was not yet complete, so girls in Classes X and XI were moved to Loyola's till 1963. Loyola's had an interesting faculty amongst the Jesuit Priests. Rev. Bernadetti, an Italian, taught German, followed by Rev. J. Toscano, another Italian, followed thereafter by Mrs Mani and Mrs Sahasrabudhe. Rev. D'Costa, a Portuguese priest, taught English. In classes 10 and 11, Rev.Oesch, an Austrian, took over German Poetry, English and Higher English. Rev. Gregory taught up to nine subjects-Algebra, Geometry, Arithmetic, Higher Arithmetic, Physics, Chemistry, Biology, Botany and Zoology - assisted by Mr. Contractor. Mr. Mahamuni spent half his time as a Hindi teacher teaching ambidextrous Drawing; the Drawing teacher, Mr Khataukar, a raconteur of sorts, taught us Maharashtrian History and folklore, a vastly entertaining and sought-after class. We called all priests using the prefix 'Father'. Fr. Toscano was to return as Principal between 1979-83.

The Class of 1966
Seated L-R: Mr Contractor, Rev Gregory, Rev Oesch, Rev D'Costa, Mr Teranikar, Mr VG Mahamuni
Standing 1st Row L-R: Ashok Limaye, Abraham Matthew, Harish Karkera, Narendra Puri, Shyam Borawake, Jolly Chacko, Vijay Shirke, Ravi Shankar, Dilip Bhat
2nd Row: Sunil Bhonsle, Harinder Kandhari, Prabhat Shandilya, Dhanvinder Singh, Aloke Chowdhary, Tarun Datta, V Raju, Deepak Malhotra, Prabhakar Avvari, Vinayak More
Top Row: Amit Mitra, Raj Kapoor, Mohan Dewan, Vijay Karandikar, R Chandrashekhar, M Pant, Gurinder Chohan, Suresh Raina, Noel Moitra, Madan Chopra

In 1965-66, 29 boys appeared for their Matriculate (Class XI) and all 29 got a First Division, with seven Distinctions. One lad, Chandrashekhar Ratnaswamy came first in the state, but was relegated to 2nd for an unknown reason. The prominent industrialist and race-horse owner, Mr. Vijay Shirke was among the seven distinctions. A good sportsman, one quirk that he had was that he wore only 'Chappals' (leather slippers) throughout the five years he was in School, except on Graduation Night! Interestingly, only Vijay Shirke and I had parents who owned cars, Vijay's maroon humpback Dodge and my dark green Vauxhall.

Rev. Oesch, Principal 1963-66, had represented Austria in the 1936 Olympics- famous for Jesse Owens' performance in Hitler's presence- in both soccer and javelin throw. Thanks to his efforts in one year thereafter, Loyola won every possible inter-school athletics or sports meet. To cite an example, in 1966 Loyola was 0-5 down in goals vs Modern School at the halfway stage in an inter-school soccer match, when Rev. Oesch arrived. He spoke to his demoralised boys at the interval. They equalised in the next 45 minutes, reaching 5-5, winning the replay the next day 6-5, with the goalkeeper, a certain Dilip Doshi, caught on camera in a Superman dive to save a penalty! Suresh Raina would represent the State in Field Events in Athletics (Jrs.), in the Discus Throw, the Shot Put and the Javelin Throw.

The school had 474 boys and 27 girls registered in 1961. The Ground floor had class rooms, the Principal’s office, the admin section, the bookshop, the watering hole and Physics laboratories. The first floor had classrooms and Chemistry laboratories. There were no Biology or Zoology labs. The 2nd/top floor was only partly constructed and housed the Jesuit priests. It took two years for the completion of Phase 1 of the school and the girls returned to their school as that edifice had also been completed.

I did not spend even one day under the tutelage of the right revered Rev. Schoch when in Loyola, though he was the brain behind establishing the school. I did have him as my Principal when I was in St. Vincents in Poona Camp, 1959-61. Our first Principal was Rev. Rehm, the genial but imposing cigar-smoking giant, but he did not teach us anything. In my own case, I, along with my classmates from NDA, had spent time under him as he was Principal of the mini-school at NDA from 1954-61. My father was posted there 1956-59 and I had many classmates, including some who decided to duck one year, like Makhanlal Talwar and that athlete supreme, Vinod Bakshi. 

School uniform for all boys from class 1 to class 11 was half-sleeved beige shirts and dark beige shorts, with the school logo on the shirt pocket. There was no ruling on footwear.
A sight we never saw: the top floor complete

Excellent long-range snap of where we studied: note the three schoolbuses

We studied under Rev. Alphonse Ernst Oesch, our Principal from 1963-66; he taught us Higher English and German; German from Class 10 onwards and Higher English in the 11th. It was he who drove us up the hill every evening when we had to wait for the buses to return from their 1st trip with the junior kids. He devoted time to athletes and soccer players, having the invaluable experience of representing his country at the global level of the Olympics. Our character and ethos was shaped in the main by Fr. Oesch, helped along the way by the Revs Toscano, Bernadetti, D'Costa and Gregory. To borrow Madan G Chopra’s quote, Fr. Oesch said one day, “I am an Austrian German and I am teaching you English as well. Why can’t you boys learn German just as a language. No one is asking you to teach at this stage”. 

Fr. Girgut Gregory worked the hardest to educate us, teaching us Arithmetic, Higher Arithmetic, Algebra, Geometry, Physics, Chemistry, Biology, Trigonometry and Moral Science. He would write every single word he taught and we copied those words from the blackboard-actually green board. Conty Contractor filled in the blanks in lower Maths. Rev. Otto looked after the bookshop.

Greenery which was only brown mud and rocks

If I were to write for RD about The Most Unforgettable Person. . . I would choose Fr. Oesch 100 times out of 100. Late Mr Teranikar, VG Mahamuni, Khataukar, Contractor, Mrs Mani, Mrs Sahasrabudhe, Peter Akey, Ms Lucy Borges of the alluring bottoms, Ms Garcia and others, if any, were simply clouds that dispersed after blessing us with sporadic showers. Ravishankar has cause to remember the menacing but harmless Mr Teranikar one PT session. In the five years we were at school, his elder brother Rajamani was the only boy to get injured while at school. He was assisted by Rev. Oesch when he fractured his elbow during the lunch break one day.



The remaining classmates, each a byword in his own field,  are planning to contribute a certain sum of money in memory of late Fr. Oesch towards improving facilities in the School that could be upgraded. The event will be hosted at the school to mark 50 years since we passed out of this magnificent institution that shaped our lives and future.

                                  IN MEMORIAM: STUDENTS

Prabhat Shandilya

Aloke Choudhary

Deepak Malhotra

Prabhakar Avvari

Amit Mitra

Vijay Karandikar 

                                  IN MEMORIAM: FACULTY

Rev AE Oesch

Rev Toscano

Rev Bernaditti

Rev D’Costa

Rev Gregory

Mr Teranikar

Mr Mahamuni

Mr Contractor

Mr Peter Akey

Mrs Mani

Mrs Sahasrabudhe

Mr Swamy


Photos 1,2,3 courtesy ELAN