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Articles by Arvind Pinto
MUKESH, ADANI CONTROL MODI?By Our Special Correspondent - Goan Observer
During the last two weeks, Elon Musk, who, besides being the rocket and electric vehicles king also controls the internet through Starlink, entered into a fight with Mukesh Ambani. Mukesh Ambani with his Jio now controls an internet network in the country, which is very convenient for Narendra Modi, as it can be shut down every time there is a protest, but Modi cannot say no to his boss, Donald Trump.
A PARADIGM SHIFT: POWER MOVES FROM POLITICS TO TECHNOLOGY AND TACTICS! By Arvind Pinto - Goan Observer
FOR centuries, power was defined by kings, emperors, and the colonial rulers. Politics was the theatre where wars were declared, treaties signed, and destinies shaped. Then, the 20th century saw this power shift to nation-states and democratic institutions, where parliaments, constitutions, and elections became the instruments of authority.
THE DEGRADATION OF JNU - MY ALMA MATER! By Arvind Pinto - Goan Observer
In 1973, on completion of my graduation degree at St. Xavier’s College, Bombay, now Mumbai, I did not find a suitable job in the city. I did what most students do- decided to study further. Reading the daily newspapers, I happened to find an advertisement from Delhi University and Jawaharlal Nehru University (JNU) calling for students for their post degree courses.
MEDICAL DEVICES LOOT!By GS Mudur - Goan Observer
Industry body seeks caps on trade margins and MRPs citing pressure from hospitals and retailers while regulators review proposals for fairer pricing Patients in India pay up to 25 times the factory or import cost of some medical devices, domestic device-makers have told the government, saying they are forced to inflate maximum retail prices (MRPs) to sustain margins for hospitals and retailers.
BLACK MONEY IN POLITIAL PARTIES: ADR’s Alarming Revelations By Arvind Pinto - Goan Observer
INDIA with a population of 1.4 billion is said to be the world’s largest democratic country, with elections held at the centre, state as also the local levels. These elections manifest the will of the people as to who would govern and the party or parties that would determine the policies of the country, the state or the local entity. The question that is often asked is how free and fair are our elections?
RUPEE IN FREE FALL: WHY THE SLIDE MATTERS MORE THAN THE NUMBER! By Arvind Pinto - Goan Observer
THE Indian rupee’s steady slide past the Rs93–94 per dollar mark in April 2026 has triggered familiar alarm bells. Headlines scream “record lows”, television panels debate blame, and social media reduces a complex macro story to national pride versus panic. Yet, focusing only on the number misses the larger issue. What matters today is why the rupee is falling, how fast it is doing so, and what that means for smaller states like Goa.
FROM KOTHARI TO KARMAYOGI: UPSC’s Journey from 1970’s to Gen Z! - Goan Observer
By Arvind Pinto (IRS, Chief Commissioner Income Tax, Retired) WHEN I sat for the Indian Civil Service Examinations popularly known in Delhi as the Great Indian Gamble in November 1975, conducted by the Union Public Service Commission, the process was daunting but straightforward. In the mid 70’s the sitting for the IAS examination had an aura, the premier government service, the steel frame that once ruled India.
THE LURE OF GOLD FOR INDIANS! By Arvind Pinto - Goan Observer
GOLD in India is more than a metal — it is memory, security, and identity. For Goans, it is heirloom and heritage, worn at weddings, pledged in emergencies, and celebrated in festivals. Gold is a store of wealth for all Indian households. For most Indians gold is the measure of a family’s standing, a resource especially at times of need, a part to be given to a daughter, as dowry that ensures her status in the marital house.
SOCIAL MOVEMENTS IN INDIA: Their impact on Indian polity! By Arvind Pinto - Goan Observer
THE recent CJP’s student movement that has folded with the resignation of education minister, Dharmendra Pradhan, has ended for the time being. While charges are still being traded, of police brutality, of whether the cases filed are being dropped and what is the future of the CJP, the drama at Jantar Mantar has ended. For movements by themselves do not bring about social change. Policies, institutions and processes require to be put into place that make this change happen.
INDIA’S BROKEN PROMISE How a faulty education spawned a student uprising! By Arvind Pinto - Goan Observer
INDIA’S education system was once hailed as the engine of upward mobility, a ladder by which millions of families could climb out of poverty. Over the years, education has become an important value in Indian families. For education is seen as a means to move up the social ladder, to achieve financial security and be seen as “having made it in life.” Today, however, this system is increasingly seen as a trap — producing graduates without jobs, exams without integrity, and promises without delivery.
NEW INCOME TAX ACT RESET FOR DIGITAL ECONOMY! By Arvind Pinto - Goan Observer
THE new income tax act of 2025, which came into effect from April 1, 2025 till April 1, 2026 has not made the expected headlines in the media, but it has certainly overhauled this vital fiscal legislation both for the tax-payer and gatherer.
POLYMER NOTES, CLEANER CASH, NOT CURE-ALL!By Satish Singh - Goan Observer
THE debate on polymer, or plastic, banknotes is not new to India. Yet, with the Reserve Bank of India once again examining the possibility, an old question has acquired fresh relevance in the larger discourse on currency management. The issue is not merely whether banknotes should be made of paper or plastic.
BITCOIN FOR BEGINNERS! By Arvind Pinto - Goan Observer
CRYPTOCURRENCY is a broad term for digital or virtual money that uses cryptography (advanced encryption) to secure transactions. Unlike traditional currencies such as the Indian rupee, cryptocurrencies are typically decentralized, meaning they are not controlled by governments or central banks. They operate on a technology called blockchain, which records all transactions on a public ledger shared across a network of computers.
INDIA’S GIG ECONOMY: GOA’S FLEXIBLE FUTURE OR FRAGILE REALITY? By Arvind Pinto - Goan Observer
INDIA’S gig economy has surged to over 1.2 crore workers by 2025, with Goa showing one of the highest penetrations relative to population — about 25% of its workforce engaged in gig or flexi roles, especially in tourism, hospitality, construction, and delivery services. A gig worker is one who earns income through short term, flexible task-based jobs rather that the traditional long term salaried employment.
THE RISE OF THE JANATA COCKROACH PARTY! By Arvind Pinto - Goan Observer
A mirror reflecting Goa’s youth in crisis THERE are moments in public life when satire ceases to be merely comedy and instead becomes revelation. The sudden rise of the Janata Cockroach Party — an irreverent, meme-powered, youth-driven online phenomenon — is one such moment. At first glance, it appears unserious, even ridiculous: a party for the “lazy and unemployed,” a digital swarm of self-declared misfits revelling in self-deprecating humour.
COWS ARE NOT IMPORTED. WHY IS MILK PRICE GOING UP?By Rajan Narayan - Goan Observer
It is not purchases of gold and silver or the use of edible oil by housewives that is putting a strain on foreign exchange reserves. It is our dependence on foreign multinationals for everything, ranging from smartphones to Kurkure manufactured by the US multinational Pepsi…. AMUL Dairy has raised the price of milk by Rs2 for a half-liter milk. Goa Dairy has hiked it by Rs5 per liter. Modern Bread, the biggest sliced brand in the county has raised its price by Rs5 for its standard white bread loaf.
CAUSES, CONSEQUENCES & ROLE OF PUBLIC CONSUMPTION CHOICES! By Arvind Pinto - Goan Observer
INDIA today stands at a complex economic crossroads. While the economy continues to grow at a relatively strong pace of around 7.5% in the current financial year, compared to a world average of 4% for many global peers, its external sector — the part of the economy dealing with trade, capital flows, and foreign exchange — shows increasing signs of stress.
WHEN FUEL BURNS A HOLE IN THE FAMILY POCKET! By Arvind Pinto - Goan Observer
NOW that the elections are over, the government will now look at the economic reality. One crucial decision is the fuel prices. Reports suggest that there will be a 20% hike in petrol and diesel. Last week diesel in Panaji touched Rs 92.43 per liter. Petrol has crossed Rs106 per liter.
RUPEE IN FREE FALL! WHY THE SLIDE MATTERS MORE THAN THE NUMBER! By Arvind Pinto - Goan Observer
THE Indian rupee’s steady slide past the Rs93–94 per dollar mark in April 2026 has triggered familiar alarm bells. Headlines scream “record lows,” television panels debate blame, and social media reduces a complex macro story to national pride versus panic. Yet, focusing only on the number misses the larger issue. What matters today is why the rupee is falling, how fast it is doing so, and what that means for smaller states like Goa.
DIGITAL REACH: APP BASED INCOME & INVESTMENT SCHEMES! By Arvind Pinto - Goan Observer
The social media and even mainline television channels are full of promotions for stable money investment through an app. Leading film stars like Amitabh Bachchan are promoting it. How safe it is to invest money in an app based financial portal? WITH the digital footprint growing in India, so are various digital income and investment schemes.
WHO IS EXTRACTING GOA’S GROUND WATER? By Supriya Vohra - Goan Observer
Despite Goa being one of the first few states in the country with a Groundwater Regulation Act, researchers and activists say that its groundwater is being extracted rapidly and, in some cases, illegally.
PLANNING FOR RETIREMENT THE GOAN WAY! By Arvind Pinto - Goan Observer
Old is Gold Goa is abuzz with excitement as vintage bike and car owners, users, collectors and fans are decking […]
LOOKING BACK AT GOA IN 60S! By Arvind Pinto - Goan Observer
There was a time not very long ago when Goa was a peaceful paradise without tourist either foreign or domestic, and the capital city Panaji did not face any traffic jams or parking problems. IT is now history. On December 1961, Goa was annexed by the Indian state in Operation Vijay. While most Indians celebrated this as Liberation, many of the older generation of Goans who lived during the colonial era, believed that they had seen better days.
BUDGET 2026: DISCIPLINE & DISRUPTION! By Arvind Pinto - Goan Observer
Arvind Pinto, the chairman of the Citizens Credit Cooperative Bank, reviews Budget 2026 and tells us that in this budget the chasm between the haves and have-nots will only grow sharper… THE 2026 budget presented by Finance Minister Nirmala Sitharaman on February 1, 2026 is not exactly the bag of goodies that many in the media pundits praised, after the 81-minute budget speech. For a close reading of the figures and fine print, show otherwise.
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