Unlocking Minds: Understanding the core of Alzheimer’s disease and dementia

Unlocking Minds: Understanding the core of Alzheimer’s disease and dementia

Unlocking Minds: Understanding the core of Alzheimer’s disease and dementia

Alzheimer’s disease, a progressive neurodegenerative disorder, primarily affects memory and cognitive function. It is the most common cause of dementia, gradually impairing daily life. Research aims to understand its complex pathology and develop effective treatments for this widespread and challenging condition.

Ayushi Thapliyal, Senior Research Fellow
All India Institute of Medical Sciences, New Delhi

All of us have heard about neurological disorders like dementia and Alzheimer’s disease (commonly abbreviated as AD). However, general population is typically quite ignorant about these conditions and they fail to understand if there is any major difference between dementia and AD. To put in simple words, dementia is a generic term used for decline in mental ability of a person to the extent that it interferes with day-to-day activities. Common symptoms may include deterioration of memory, language, reasoning, and beyond. Various health conditions that cause damage to brain cells, like AD, depression, cardiovascular diseases, and others can cause these symptoms.  Other causes may include excess consumption of alcohol, vitamin deficiencies, side effects of certain drugs, thyroid problems, etc. However, the most common cause of these symptoms is AD, diagnosed in 60-80% of dementia cases.  

On the other hand, AD is a neurodegenerative disease characterized by complex changes in brain causing neuronal cell damage, which eventually leads to dementia. In addition to memory loss, people with AD experience difficulty finishing even basic chores. Changes in personality or mood swings are also common in these cases. Some people may become confused regarding names, locations, and events. Visual anomalies can also happen, such as trouble in understanding pictures. According to science, AD causes accumulation of aggregated proteins in the brain, such as phosphorylated tau and beta-amyloid and neuronal degeneration. Because all human functions—such as thinking, walking, and talking—depend on brain neurons, AD causes damage to the brain areas that govern these functions.  As a result, cognitive, language, and memory problems become the initial onset signs of AD. Such patients can undergo behavioral, personality or emotional changes. One particular behavior that warrants attention is wandering, and being unable to find their way back. With time, more areas of the brain are affected and even performing daily tasks like dressing and bathing require professional caregivers. Even while AD appears to be a simple example of neuronal degeneration, it is really more complicated due to its 20-year latent phase. It is a degenerative disease, which worsens over time and its progression varies from person to person. The progression of AD from the unnoticeable brain changes to eventual physical disability is termed as the Alzheimer’s disease continuum. It includes three primary phases- preclinical AD, mild cognitive impairment (MCI), and Alzheimer’s dementia. Alzheimer’s dementia is usually noticed after 65 years and this is referred as late onset AD, and like other chronic illnesses, it develops as a result of various factors including genetics, cardiovascular health, traumatic brain injury, smoking, physical activity, diet, etc. People who experience cognitive changes should speak with a doctor to determine whether these changes are normal for their age, reversible, or indicative of Alzheimer’s disease or another dementia. Dementia cases are typically disregarded because of ignorance, stigma, or fear, but a diagnosis can assist medical professionals and caregivers in establishing a prognosis that can enable Alzheimer’s patients lead reasonably normal lives. 

According to the most recent estimates, the condition affects about 57.4 million individuals globally and poses a significant health burden. The Global Burden of Disease Study (GBDS) 2019 projects that by 2050, the number of dementia cases would soar to 166%, affecting the lives of around 152.8 million people; these projections are in line with the predictions made by the WHO. In addition, it is anticipated that the rise in dementia cases would be greatest (up to 330%) in nations with poor sociodemographic index scores, such as India.1 According to recent estimates, 8.8 million Indians over 60 have dementia, with varying burden in different states and subpopulations in India.2 The prevalence of dementia is greater in women (9.0%) than in males (5.8%). Additionally, if the frequency stays the same, there may be 16.9 million instances of dementia by 2036 due to the growing older Indian population.  

The Alzheimer’s condition can be tricky to diagnose, and only a comprehensive medical assessment including blood tests, mental status evaluations, and brain imaging can help in diagnosing AD. Fortunately, these AD workups are easily assessable in India. Getting AD as the diagnosis will be definitely heartbreaking as currently no definite cure for it is known; nonetheless, certain medications are available for those suffering from mild to moderate Alzheimer’s condition. Alzheimer’s dementia symptoms, like depression and restlessness can also be treated and managed. These medications do not treat AD; but in certain cases, they shortly halt the disease’s progression of symptoms ensuring a relatively quality life for the patients. For more information about the available medication, individuals should get in touch with the professionals. According to new guidelines by the World Health Organization (WHO), people can also lower their risk of dementia by exercising regularly, abstaining from tobacco and alcohol that can be harmful, controlling their weight, eating a healthy diet, and maintaining healthy blood pressure, cholesterol, and blood sugar levels. 

Not only for the patients, AD can also be very difficult and stressful for the family members/ caregivers at times. There are, however, ways to deal with such situations. Some helpful tips for the caregivers’ are-

  1. Establish simple normal routines of the AD individual. 
  2. Encourage self-reliance in the individual.
  3. Support them to keep their dignity.
  4. Try to avoid confrontation/ conflicts that might cause unnecessary stress to the patient.
  5. Try to maintain communication and a happy environment around them.
  6. Safety should be the priority.
  7. Promote health and fitness.
  8. Above all, remember to look after your physical and emotional health. Eat well, do regular exercise, and get enough sleep. 

It is crucial to remember that some people have dementia-like symptoms but do not exhibit the progressive brain abnormalities associated with AD or other neurodegenerative diseases. Depression, untreated sleep apnea, delirium, medication side effects, Lyme disease, thyroid issues, specific vitamin deficiencies, and excessive alcohol consumption can also cause similar symptoms. Unlike AD, these problems can be treated to reverse them. Therefore, it is important to identify whether the root cause of the dementia is AD or any other condition. Extensive scientific research on Alzheimer’s disease is underway globally, with some advances seen in the presymptomatic years. In the meanwhile, public awareness has to be raised, since we can only prolong the lives of those afflicted with the disease by staying one step ahead of the disease. 

  1. Ray S, Kumar A, Kapil S, Sharma R, Gayathri J. Early Detection & Management of Alzheimer’s Disease & Dementia in India: A Policy Perspective. CSIR-NIScPR Policy Bulletin/February-2023/01. https://niscpr.res.in/includes/images/bulletin/bulletin-2023-03-15.pdf

2. Lee J, Meijer E, Langa KM, et al. Prevalence of dementia in India: National and state estimates from a nationwide study. Alzheimer’s Dement. 2023;19:2898–2912. https://doi.org/10.1002/alz.12928

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World Diabetes Day 14 th Nov, 2023 – Access to Diabetes Care

World Diabetes Day 14 th Nov, 2023 – Access to Diabetes Care

World Diabetes Day 14 th Nov, 2023 – Access to Diabetes Care

Authors: – Dr. Pankaj Bhardwaj (Dr Pankaj Bhardwaj, 

Academic Head, School of Public Health (SPH),

Professor of Community Medicine & Family Medicine

All India Institute of Medical Sciences (AIIMS), Jodhpur

and

Dr. Madhukar Mittal (Additional Professor and Head, Department of Endocrinology and Metabolism, All India Institute of Medical Sciences (AIIMS), Jodhpur

Currently India is struggling with the triple burden of diseases. Beside the burden of malnutrition and communicable diseases, the burden of NCDs is increasing exponentially. Amongst NCDs, the increasing prevalence of diabetes and hypertension is thought to be both an important driver and consequence of the epidemiological transition. The weak control cascade of hypertension and diabetes from the time of screening till the attainment of optimal control of the condition is a public health challenge, particularly in resource limited settings. 

India being the diabetes capital of the world requires that affordable access to diabetes care be made available in all parts of the country. The onset of type 2 diabetes in developing countries including India is commonly occurring much earlier in the 3rd-4th decade of life. With increased longevity and persistence of NCDs like diabetes into the twilight years, the burden of diabetes is bound to increase. 

The Tree: Trunk and Branches Model

Consider the two conditions of diabetes and hypertension as the trunk of a tree. Heart, kidney, eyes, Brain, Feet are like the branches of this tree. If the tree is nourished properly and the trunk remains healthy, then the multiple branches also remain healthy. On the contrary, if diabetes and hypertension are detected late and are uncontrolled, then various complications including heart disease, stroke, chronic kidney disease, eye disease-blindness, foot ulcers, lower limb amputations are likely to occur. Diabetes is the single most common cause for chronic kidney disease, coronary artery disease, blindness (nontraumatic), foot ulcer and lower limb amputations (after road traffic accidents). Hypertension with diabetes is the single most common cause for brain stroke.

Nudge to Policymakers

Government spending on healthcare is limited. In India, although the healthcare budget spending has increased over the years, there is still a vast gap between the actual needs of the population and the government expenditure. India has improved its indices with regards to infectious diseases. Currently, for any government to get the “maximum bang for the buck spent”, fiscal prudence demands focus on targeted spending on prevention of lifestyle disorders or NCDs, especially diabetes and hypertension. This would help in reducing/negating expenditure (both government and individual) to a significant degree on multiple other medical conditions like heart disease, kidney disease, eye blindness, brain stroke, lower limb foot ulcers and amputations. 

Currently Government of India as well as state governments are digitalizing population based screening records of community in different NCDs including Diabetes. The Accredited Social Health Activists (ASHAs) are filling Community Based Assessment Checklist (CBAC) forms for early detection of NCDs. Apart from screening many barriers to optimal hypertension and diabetes care can be overcome through IT- based quality improvement strategies, which includes electronic case record form (eCRF) which allows nurses to enter patient demographic information, medical history, physical examinations, and laboratory investigations into an electronic form through a web-based “NCD portal”.  Clinical decision support system (CDSS) which generates customized evidence-based treatment advisories for patients with hypertension and diabetes also supplements the routine care. So, we can help harness the power of technology to effectively tackle the rising burden of diabetes and hypertension in India. 

Using this approach, we can achieve the goal of this year’s theme of providing accessible diabetes care to all.

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Revitalizing Millet Consumption: Shifting Focus from ‘Big Food’ to Government Schemes and Local Outlets

Revitalizing Millet Consumption: Shifting Focus from ‘Big Food’ to Government Schemes and Local Outlets

Revitalizing Millet Consumption: Shifting Focus from ‘Big Food’ to Government Schemes and Local Outlets

Shifting away from dependence on the ‘Big Food’ industry to boost millet production and consumption, policies should emphasize integrating millets into government food schemes. Highlighting the limitations of Production Linked Incentives in realizing millets’ nutritional value, the suggestion is to encourage street food vendors and small-scale outlets to offer millet-based meals, particularly in rural markets.

                                                                                                                  Reshma Roshania

                                                                                          NCAER   (rroshania@ncaer.org) 

India is leading a compelling initiative to encourage the consumption of millets. By successfully advocating for the designation of 2023 as the International Year of Millets at the United Nations, India has established itself as the worldwide hub for the production, research, and innovation of these healthful grains.

Millets hold significant promise in addressing India’s concurrent nutritional challenges, including prevalent ‘hidden hunger’ and elevated cardio-metabolic diseases. Nevertheless, the current approaches to reintegrate millets as a staple in mainstream diets may be off course and face the risk of failure unless more careful and imaginative strategies are implemented promptly.

Misplaced focus in mainstreaming millets

The Ministry of Food Processing Industries’ Production Linked Incentive Scheme for Millet-Based goods (PLIS-MBP) is encouraging the “Big Food” industry to introduce millet-based goods through sales-based incentives in an effort to promote the consumption of millets. The program’s objective is to encourage the production of millet-based goods that are ready to eat and cook.

Food industry giants like Kellogg, Nestle India, Britannia, and Hindustan Unilever have joined on board and are creating a variety of packaged cookies, instant noodles, breakfast cereals, powdered drinks and savoury snacks that fall under the ultra-processed food category. Ultra-processed foods are made up of components that are extracted from whole foods using industrial processing techniques. To make the product more palatable and extend its shelf life, flavour enhancers, artificial colouring, stabilisers, and preservatives are typically added along with sugar, salt, and fat.

To encourage their use, ultra-processing millets is not the answer, though. It will actually be detrimental. There is little doubt about the findings: eating a diet high in processed foods raises the risk of obesity, heart disease, metabolic syndrome, depression, and early death (Pagliai et al. 2020). These dishes are becoming more and more well-liked in India across all socioeconomic classes, in both rural and urban settings. According to one research of teenagers in Delhi, ultra-processed meals can account for as much as 20% of a teen’s daily caloric consumption (Jain and Mathur 2020).

Furthermore, a lot of money is being invested in start-ups that are creating millet-based products. The Indian Institute of Millets Research’s Nutrihub incubator, in contrast to sales-based incentives, provides seed cash, training, mentorship, access to investor networks, and use of R&D facilities to “nutri-cereal” entrepreneurs during the idea and prototype stages. Numerous of these start-ups produce goods devoid of additives and artificial substances under the moniker “clean food.” Nevertheless, their prices are likewise exorbitant. It’s obvious that the formerly “poor man’s food” is now being promoted to the urban elite.

There is a difference between the so-called “People’s Movement,” which conjures up images of a fight for food sovereignty to give farmers more power and bring back the traditional millet, and the actual direction that this movement may take—that is, into the hands of Big Food and onto the tables of the wealthy.

A significant push from the Centre to integrate millets into the National Food Security Act’s pillars is absent from the plan. Although millets are frequently heralded as the “key” to resolving India’s food insecurity, particularly in light of the country’s unpredictable environment, they are by no means an essential part of the nation’s programmes for ensuring food security.

Making millets accessible for all

The strength of street food, which forms the foundation of Indian cuisine, must be acknowledged in the campaign for millets. Farmers are being pushed to grow more millet, while Big Food and start-ups are being encouraged to produce packaged items made from millet. The middle group, which consists of street vendors and small-scale food establishments, is severely lacking in representation. This group sources materials for producing fresh and minimally processed cuisine.

These entrepreneurs are able to provide millets to the general public in a more healthful manner. Think of dishes like bajra ladoos, ragi tikki chaat, and puffed jowar bhel. Is it possible for current incentive programmes to incorporate inventive suppliers and imaginative dhaba chefs in order to encourage reasonably priced and easily available millet-based products? The original ready-to-eat food was, after all, street food—minus the packaging and intellectual property.

It’s also critical to recognise and accommodate rural preferences. Since India is still 65% rural, millets must be both easily accessible and desired by the rural populace in order to genuinely become the staple meal they once were. Nonetheless, the majority of research on people’s knowledge, beliefs, and practises related to millets comes from urban India.

For example, a recent multi-city study discovered that the main justification for eating millets was the presence of a pre-existing medical condition, like diabetes (Kane-Potaka et al. 2021). Since non-communicable diseases are underdiagnosed in rural areas, such findings from the urban setting might not be very applicable there. Furthermore, millets are important in many rural areas since they are used as animal feed; therefore, before initiating awareness campaigns and “millet mahotsavs,” preferences should be investigated and understood in order to customise messaging.

Currently, PLIS-MBP criteria state that goods based on millet must include at least 15% millet in order for public money to be supported. This suggests that substances like sugar, hydrogenated fats, processed white flour, and additives could make up the other 85%. In spite of this, people are probably going to be sold these products as health foods. Examples of possibly mislabelled superfoods are products like Quinoa Puffs promoted as a diet snack or Oats Instant Noodles labelled as “nutrilicious”. Controlling Big Food labelling and advertising is essential to keeping millets from turning into a nutritional catastrophe.

It’s important to remember that rice and wheat became staples on our plates not because of massive marketing campaigns, celebrity endorsements, or international campaigns, but because of structural policies that guaranteed farmers’ profits and consumer affordability. Similar factors should direct millets’ path into general consumption in order to avoid potential problems in their marketing and promotion.

Further Reading

Jain, A and P Mathur (2020), “Intake of Ultra-processed Foods Among Adolescents from Low- and Middle-Income Families in Delhi”, Indian Pediatrics, 57(8):712-714.

Kane-Potaka, Joanna, et al. (2021), “Assessing Millets and Sorghum Consumption Behavior in Urban India: A Large-Scale Survey”, Frontiers in Sustainable Food Systems, 5(680777).

Pagliai, G, et al. (2021), “Consumption of ultra-processed foods and health status: a systematic review and meta-analysis”, British Journal of Nutrition, 125: 308-318.

This article first appeared in Hindu Business Line & I4I.

 

The Emerging Crisis of Antibiotic Resistance

The Emerging Crisis of Antibiotic Resistance

The Emerging Crisis of Antibiotic Resistance

One of the greatest medical discoveries of the 20th century, antibiotics have saved countless lives by efficiently treating bacterial infections around the globe. However, the overuse and abuse of antibiotics have given rise to a formidable adversary, antibiotic resistance. This global health crisis threatens to undo decades of progress in healthcare, rendering once-treatable infections untreatable. Antibiotic resistance occurs when bacteria evolve and develop a resistant to the drugs designed to kill them. This alarming phenomenon is a global health threat, and raising social awareness about it is vital to combat this impending crisis effectively. This article intends to raise awareness of the serious problem of antibiotic overuse, its link to drug resistance, and the wide-ranging effects it has on people and society.     

By Dr Vikrant Kumar, AIIMS, New Delhi

The Rising Threat

Antibiotic resistance is a complex issue with far-reaching consequences. It arises primarily due to the excessive and inappropriate use of antibiotics in both human and animal healthcare. When antibiotics are overprescribed or taken improperly, bacteria can adapt and develop resistance, making these potentially life-saving medications useless. This phenomenon is not new, as bacteria have also naturally developed resistance mechanisms over millions of years. However, the accelerated pace of resistance due to human activity is alarming. Factors contributing to antibiotic resistance may include:

  1. Overuse and abuse: Antibiotics are medications designed specifically to combat bacterial infections. They work by either killing bacteria or inhibiting their growth. Antibiotics are extremely effective when administered properly, but they have no effect on viral diseases like the flu or the common cold. This significant distinction is frequently missed, which contributes to the issue of antibiotic abuse.  Antibiotics are often prescribed unnecessarily for viral infections like the common cold, where they are ineffective.
  2. Self-medication: Many people choose to self-diagnose and self-prescribe, buying antibiotics without seeking medical advice. This practice may lead to the misuse and ineffective use of antibiotics.
  3. Incomplete treatment:Patients frequently stop taking their antibiotics once they start feeling better, failing to complete the entire course. This premature discontinuation can lead to antibiotic resistance, as it allows surviving bacteria to develop resistance mechanisms.
  4. Overprescription:Due to patient pressure or a lack of conclusive diagnostic information, healthcare professionals occasionally prescribe antibiotics when they are not essential. This contributes to the overuse of antibiotics in clinical settings.
  5. Agricultural Use: The widespread use of antibiotics in agriculture to support animal growth and fend off sickness in confined spaces has aided in the spread of resistant bacteria. The food chain can propagate these resistant strains to humans.
  6. Global Travel: As people and goods move throughout the world, resistant bacteria can easily traverse international borders.  This means that resistance emerging in one part of the world can rapidly spread to others.

Consequences of Antibiotic Resistance

The consequences of antibiotic resistance are dire and far-reaching:

  1. Increased Mortality: As antibiotic resistance spreads, the efficacy of current antibiotics declines. This is a serious challenge for contemporary medicine because it limits the options available for the treatment bacterial infections. Patients with antibiotic-resistant infections are at a higher risk of severe illness and death. Consequently, common infections like pneumonia, urinary tract infections, and tuberculosis are becoming harder to treat.
  2. Rising Costs of Healthcare:Infections that are resistant to antibiotics cost healthcare systems a lot of money. Patients with resistant infections often require longer hospital stays, more extensive treatment regimens, and specialized care. These factors drive up healthcare costs, affecting not only patients and their families but also society as a whole. The inability to treat infections effectively prolongs hospital stays, increasing healthcare costs and the risk of hospital-acquired infections.
  3. Economic Impact: The economic burden of antibiotic resistance is substantial, affecting healthcare systems, pharmaceutical industries, and agricultural practices. The higher expenses of treating antibiotic-resistant diseases burden healthcare systems and insurance companies, and rising costs restrict access to care for many people. Additionally, diseases caused by antibiotic-resistant bacteria result in the loss of productivity as individuals are unable to work and need lengthy sick leaves. Developing new antibiotics to combat resistance is also expensive and often financially unattractive for pharmaceutical companies, and thus, hindering innovation.

Global Implications

Antibiotic resistance is a global threat, impacting countries regardless of their level of development. Resistant bacteria can spread internationally, endangering public health worldwide. In addition, resistant infections can disrupt international trade and travel, affecting economies and creating public health crises.

Potential Solutions to the Crisis

Antibiotic resistance calls for a diversified strategy:

  1. Stewardship systems:By putting antibiotic stewardship systems in place at healthcare facilities, it will be possible to make sure that antibiotics are only used as needed and in the right circumstances.
  2. Raising Public Awareness:Education initiatives that stress the significance of finishing prescribed courses can enlighten the public about the proper use of antibiotics.
  3. Reducing Agricultural Use:The spread of resistant bacteria can be controlled by enforcing stricter restrictions on the use of antibiotics in agriculture and encouraging alternative methods.
  4. Research and Development:In order to tackle resistance, governments and pharmaceutical corporations must invest in the development of fresh antibiotics and cutting-edge therapies.
  5. International Collaboration:International cooperation is essential for tracking the spread of resistance, exchanging information, and coordinating crisis containment and mitigation actions.

Conclusion

If not addressed, antibiotic resistance poses a serious risk to the public’s health and could have catastrophic effects. At every level, from individual accountability to international cooperation, immediate action is required. We may expect to maintain the effectiveness of antibiotics and secure our ability to fight bacterial infections by embracing appropriate antibiotic use, encouraging research, and putting in place efficient rules, ensuring a healthier future for everyone. The moment to take action is now as the clock is running out.

The Significance of IRR in Investment

The Significance of IRR in Investment

The Significance of IRR in Investment

Shri Sharad Ranjan and Shri Hariti Tyagi

The Backstory

The relationship manager of a well-established bank reached out to my daughter, who is in the beginning of her twenties, and proposed an investment plan. The investment plan, according to him, is the best investment option available at present in the market. Further, he added an insurance cover that makes this investment secure and lucrative. Describing the plan, he highlighted the investment plan’s key attributes such as guaranteed maturity benefit at the end of the term, yearly guaranteed addition coupled with a guaranteed loyalty addition, and a high premium benefit resulting in a higher basic sum assured. It is important to mention that investment plans of this type are becoming the norm and open to everyone. Emphasizing the word guaranteed repeatedly is especially effective in attracting younger individuals. However, it limits their access to better investment opportunities that could be a more financially sound decision for them to consider.
To support his argument, the relationship manager used an illustration to show that such type of investing is a wise decision. In addition, he orally stated that the proposed investment would yield returns of 8%, which is better than many existing corporate FDs.

They provided the following table and figure to consider this investment.

Table 1: Premium and Benefit Details

 

End of Policy Year

 

Premium

(₹)

Accrued Guaranteed yearly Additions

(₹)

Guaranteed Loyalty

Additions

Guaranteed Maturity

Benefit

 

Death Benefit (₹)

1 50000 5000 0 0 605665
2 50000 15000 0 0 615665
3 50000 30000 0 0 630665
4 50000 50000 0 0 650665
5 50000 75000 0 0 675000
6 50000 105000 0 0 705665
7 50000 140000 0 0 740665
8 50000 180000 0 0 780665
9 50000 225000 0 0 825665
10 50000 275000 0 0 875665
11 0 275000 0 0 875665
12 0 275000 0 0 875665
13 0 275000 0 0 875665
14 0 275000 0 0 875665
15 0 275000 100111 875665 875665

Nevertheless, the proposal included an additional table that showed the actual premium to be paid, which included GST and Cess. The proposal has a single, convenient location where one can find the total premium amount, GST, and cess. The reason could be that they want to avoid prospective investors from factoring in the effect of GST and cess on the eventual returns. The final premium will align with the table below.

Table 2: Final Premium Payable Amount Adjusting GST

 

Premium

 

First year

 

Second year onwards

 

Base Premium (Yearly)

 

₹ 50,000

 

₹ 50,000

 

GST and Cess

 

₹ 2,250

 

₹ 1,125

Total Yearly Premium

(incl. GST and Cess)

 

₹ 52,250

 

₹ 51,125

Understanding Investment Gains

The typical focus on Table 1 figures may lead novice investors to be swayed by its substantial absolute figures and associated death benefits, Isn’t?  Over time, ULIP and money back insurance policies have established this experience. We endeavor to offer recommendations to investors before they commit to this type of investment.

First, one should avoid focusing solely on absolute figures when evaluating returns. Initially, an absolute number may appear attractive, but eventually it may be inconsequential in terms of its value. The real value of ₹ 8.75 lakh after fifteen years will not hold much significance in this situation. The Rule of 72 may determine the extent to which inflation influences the worth of money over a period. For example, divide 72 by the annual inflation rate. By dividing 72 by the inflation rate of 8 percent, it can be determined that it takes 9 years  for the purchasing power of money to decrease by 50 percent.

Second, the Death benefit clause has the potential to be alluring to many. It is unusual    that a person in their twenties has financially dependent parents. Even if that is the case, the death benefit amount of this plan is meager to serve any significant purpose. If the purpose is to get compensated in the event of the individual’s demise, it would then be prudent to evaluate a basic term plan instead of the current one. Thus, if something unfortunate were to happen, the financial benefit to the supposed dependents would hold little value. That being said, it is also commonly accepted that the probability of experiencing misfortune in early life is insignificant. We believe that investors who have crossed a certain age threshold will not be eligible for such a scheme.

Third, one should not trust verbal investment returns without verification, and this is the last but not the least important thing to remember. One cannot rule out the possibility of mis-selling of such products. Consequently, it is advantageous to compute the Internal Rate of Return (IRR), an easily calculable metric using a financial calculator. Online calculation is an option if one cannot do it. Conceptually, IRR is that discount rate which equates the present value (PV) of the cash inflows with the PV of the cash outflow. We input the data into Excel and determined that investing in it would only yield a return of 5.66%. With such a low return, the investment will lose even its face value eventually because the retail inflation rate is higher than that. One may alternatively choose to invest in equities, mutual funds, or debt instruments such as PPF and EPF, given the investor is too conservative. The usual investing

rule is to invest in bonds that match one’s age. Young investors, therefore, should seriously consider equity investment over debt investments.

Table 3: Calculating IRR of Proposed Investment

 

Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15 IRR
-52250 -51125 -51125 -51125 -51125 -51125 -51125 -51125 -51125 -51125 0 0 0 0 875665 5.66

Conclusion

About the foregoing discussion, it is advisable to avoid investment recommendations   that involve complex products that combine investment and insurance. The investment plan must align with investment options, and a simple term insurance policy should provide insurance coverage. Last but not the least, it is a prerequisite to determine IRR when there are cash inflows and outflows happening over a period, regardless of the size or nature of those flows. We should compare the obtained IRR against our expected returns.

About the Authors

Sharad Ranjan-Professor of Economics, Zakir Husain Delhi College Evening (University of Delhi) 

Hariti Tyagi – Analyst, KPMG Global Services

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Sabudana Unveiled: The Tapioca Tale and Beyond

Sabudana Unveiled: The Tapioca Tale and Beyond

Sabudana Unveiled: The Tapioca Tale and Beyond

Sabudana holds a special place in the hearts and traditions of millions. These small, translucent globules have become synonymous with fasting seasons in India, particularly during religious festivals like Navratri, Shivaratri, Ekadashi, and Saawan season. During these periods of abstinence from certain foods, sabudana emerges as a dietary staple, offering sustenance and culinary delight. In this article, we will discuss the origins of sabudana, its nutrient profile, and some labelling and handling tips that can enable informed food choices.

By Richa Pande

It is crucial to recognize that despite the common reference of sabudana as ‘sago’, sabudana is not the same as sago pearls. Sago pearls are derived from the Sago Palm Tree, while the sabudana we consume is made from Tapioca Tubers. In various countries like Australia, Brazil, and India, tapioca pearls made from cassava and cassava roots are also referred to as sago, sagu, or sabudana, but they are not obtained from the sago palm tree. Tapioca pearls and sago pearls differ from each other, even though both are starchy in nature. Sago is a starch obtained from the pith of the tropical palm tree known as the sago palm tree. On the other hand, tapioca pearls are made from the starchy part of the cassava roots, a starchy tuber plant originally found in South America but now grown worldwide in tropical regions. The consumption of ‘Tapioca Pearls’ in Kerala, India, is believed to have been popularized by the royal family of Travancore during the colonial era as a response to famine. The tapioca was extensively washed, and over time, this processing technique led to the creation of sabudana. The extraction process of sabudana involves harvesting the starchy parts of the plants, chopping, pounding, and thorough washing to separate the starch granules from the fibrous residue. After washing, the starch is left to settle, and excess water is drained off. The wet starch is then further processed to remove impurities and obtain the fine, pearl-like granules, which are eventually dried, packaged, and sold. Sago pearls are usually white, while tapioca pearls come in a variety of colours. Tapioca balls are sometimes bleached to achieve a white appearance.

Sabudana is a naturally gluten-free food, making it an excellent option for individuals with gluten sensitivity or celiac disease. With approximately 330-350 calories per 100 grams, sago is mainly derived from carbohydrates, and offers minimal protein and fat content, with less than 1 gram of each. As Sabudana is rich in carbohydrates, it serves as a quick source of energy. It is particularly beneficial for individuals who need easily digestible foods, such as those recovering from illness or experiencing digestive issues. It contains approximately 11% of the Reference Daily Intake (RDI) for zinc per 100 grams.

Sabudana is a versatile ingredient that can be used to prepare a variety of delicious dishes. Here are some popular recipes made from sabudana:

  • Sabudana Khichdi:A classic and popular Indian dish made with soaked sabudana, peanuts, potatoes, and spices. It is a common fasting food and can be enjoyed for breakfast or as a light meal.
  • Sabudana Vada:These crispy and flavourful fritters are made from soaked sabudana, mashed potatoes, peanuts, and spices. They are deep-fried to perfection and served with chutney or yogurt.
  • Sabudana Kheer:A delightful dessert made by simmering soaked sabudana in milk with sugar and cardamom. Garnished with nuts, it’s a perfect sweet treat.

Labelling Tips

  • Consumer awareness on sabudana labelling starts with checking the ingredient list on the packaging. Look for products that have a simple and clear ingredient list, preferably with minimal additives or preservatives. Ensure that the primary ingredient is “Tapioca “. Avoid items that have ambiguous terms or generic descriptions like “starch” or “pearls” without specifying the source. Additionally, be cautious about any allergens or potential cross-contamination mentioned on the label to ensure the product is safe for consumption if you have a food allergy. Being diligent about ingredient scrutiny empowers consumers to make healthier and more informed choices when selecting sabudana products. When consuming sabudana during fasts, ensure that the label does not include any allergy warnings about the product being processed in machinery used for cereal products like wheat.
  • When checking the label, also look for terms like “unbleached sabudana.”
  • Look for quality mark logos such as Agmark, or ISI (Indian Standards Institute), which indicates that the product complies with specific quality and safety standards. These logos provide reassurance about the product’s authenticity and adherence to regulatory guidelines. By incorporating these two practices, consumers can make well-informed choices, ensuring both the quality and safety of the sabudana they purchase.

Handling Tips

Proper storage and handling of sabudana are essential to maintain its quality and prevent spoilage. Here are some storage and handling tips for sabudana:

  • Store in a Cool, Dry Place:Keep sabudana in an airtight container in a cool and dry area, away from direct sunlight and moisture. Excess humidity can cause the pearls to stick together or become mouldy.
  • Protect from Pests:Ensure the storage container is tightly sealed to prevent pests and insects from contaminating the sabudana.
  • Check for Expiry Date:Always check the expiry date on the packaging before purchasing. Use the oldest stock first to maintain freshness.
  • Wash Before Use:Before using sabudana in any recipe, wash it thoroughly in cold water until the water runs clear. This helps remove excess starch and ensures the pearls do not clump together during cooking.
  • Soak Properly:If the recipe requires soaking sabudana, use an adequate amount of water, usually 2 to 3 times the volume of sabudana, and soak it for the recommended time to achieve the desired texture.
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