Suicide – Right or wrong?


Suicide, the word seems to be little awkward and is generally considered to be a crime. There can be many reasons to commit suicide. This article highlights one of the major problems i.e suicide which is rarely discussed.

India reported 1,33,623 suicidal deaths in the year 2015 as per the National Crime Records Bureau (NCRB), Ministry of Home Affairs, Government of India. This figure is strange as more than a lakh people committed suicide. Out of the total suicide, female suicide accounted to 42088 and male suicide were 91528 and rest 7 were transgender. Let us look at some statistics of suicides in India as illustrated in the following table which highlights the top 10 suicidal states.

Table 1: Suicidal deaths in top 10 states in the year 2015
State Suicidal Deaths
Maharashtra 16970
Tamil Nadu 15777
West Bengal 14602
Karnataka 10786
Madhya Pradesh 10293
Telangana 10140
Kerela 7692
Gujarat 7246
Chattisgarh 7118
Andhra Pradesh 6226
Source: National Crime Records Bureau (NCRB), Ministry of Home Affairs, Government of India.

As it can be interpreted from the above table, Maharashtra, Tamil Nadu and West Bengal are leading in suicidal deaths. The above table also states that the problem of suicide is present throughout India from north to south, west to east which is an alarming situation. Let us look at the top 10 major cities in India having a wide number of suicidal deaths which is illustrated in the following table.

Table 2: 10 major cities with suicidal deaths in the year 2015
City Suicidal deaths
Chennai 2274
Bengaluru 1855
Delhi 1553
Mumbai 1122
Pune 873
Ahmedabad 869
Hyderabad 728
Surat 663
Indore 528
Nagpur 483
Source: National Crime Records Bureau (NCRB), Ministry of Home Affairs, Government of India.

From the above table, Chennai is the leading city with highest number of suicidal deaths and can be said as the suicidal capital of India. The five major cities of India namely Delhi, Mumbai, Chennai, Bengaluru and Hyderabad are in the list of top 10 cities having suicidal deaths.

There can be many reasons for suicide. Some of the reasons can be work pressure, extra marital affairs, love failure, household atrocities, depression, stress, no hope for survival, examination pressure of failure, hunger, lack of basic amenities to live, poverty etc. However, the exact reason behind people committing suicide is difficult to find. Some people say that it is the state of mind which allows people to take such step. Yes, it is the mind who decides what to do and what not to do and it is ultimately the decision of people who go to end their life. This is startling but is the harsh reality.

Life is precious and should be lived and enjoyed while facing the bad moments. Nothing lasts forever, whether it is good or bad. Approach should be to fight and not to quit and end up one’s life. One needs to be strong enough to tackle the situation. It’s amazing to know that there are cases where people come to end up their life if failed in some activities which they have desired most. But is committing suicide is right? Life doesn’t end if you fail.

Please share your views on suicide. Those who commit suicide, is it right or wrong? What according to you is the reason behind committing suicide and what steps can be taken in order to curb suicidal deaths? Please share your thoughts.

– Ashish Kumar

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Insurance Terminologies – II


I started this series of posts related to the terminologies used in insurance. In this second installment, let us know few of them which is discussed below.

  • Premium: It is the consideration that one pays in monetary value for buying the insurance policy. The money paid by you to purchase the insurance policy is known as the premium. As per Section 64VB of Indian Insurance Act 1938, premium should be paid in advance before the risk coverage starts. Hence, no coverage will be provided before paying the premium.
  • Indemnity: Indemnity means bringing back to the same financial condition as if the loss didn’t occurred. This is one of the basic principles of insurance which states that there should be no benefit out of the coverage. Meaning that if the person suffers a loss of INR 10000 due to the peril covered in the policy, the insurance company will pay only the amount of loss i.e INR 10000 and not more than that even though the policy cover is of greater value say INR 100000. The amount paid by the insurance company is subject to the total amount covered in the policy. This principle is applicable in general insurance while in life insurance, principle of indemnity is not applicable.
  • Endorsement: This means any alterations or modifications in the insurance policy. Endorsement can be financial or non financial. Financial endorsement includes change in the sum insured, change in premium etc. Non-financial endorsement endorsement includes change in address, change of contact details, email id etc. A written application by the policyholder has to be given to the insurance company for any endorsement.

Ashish Kumar

Trying to find the known…


Lost in the world of unknown.

I am trying to find the known.

The never ending pain continue to grow.

And I am finding the light to glow.

The noise coming from all directions.

Compelling me to get in to depression.

The fight between choice and reality.

Somewhere requires clarity.

Weather changes so is the time.

I am waiting for the perfect time.

Challenges coming from dawn to dusk.

I am eliminating the dust.

Lost in the world of unknown.

I am trying to find the known.

Ashish Kumar

Let’s write


Let’s write.

Even though you are in a fight.

Fight with the people or with inner self.

Writing helps in discovering yourself.

Difficult to forget the period of turmoil.

Either present or future, better not to spoil.

Be ready picking up the pen and the paper.

With words just paint the paper.

Come and begin a new journey of writing.

Instead of just sitting and relaxing.

Let’s write.

Even though you are in a fight.

Ashish Kumar

Combining ups and downs


Combining the ups and downs in a thread.

Making the way for moving ahead.

Met all the barks in day and night.

Waiting for the closure of fight.

New world and new beginning has arrived.

Now it’s time to suppress all the lonely fight.

Weather changes so do I.

Don’t ask me why.

Making space for a new position.

I am taking a startling decision.

Combining the ups and downs in a thread.

Making the way for moving ahead.

Ashish Kumar