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A Massive March for Land, Years in the Planning

By NIHARIKA MANDHANA

Tens of thousands of India's poorest people are on a nearly monthlong march through the country's north, waving green and white flags and chanting slogans to demand that the government provide land to India's homeless and landless.

“I think enough land can be found for those who don't have a house to live in or any shelter,” said P.V. Rajagopal, who heads Ekta Parishad, the nonprofit behind this month's mass protest, which is now making its way through Madhya Pradesh. “It is a question of political will.”

Millions of Indians live on sidewalks and railway platforms, and in illegal slums and shanties. According to the United Nations, 17 percent of the world's slum dwellers, or 170 million Indians, live in slums. This section of India's poor, activists say, lives in inhumane conditions, and is often under the threat of displacement, harassment and arrest.

The protest entourag e, which includes some 40,000 tribal, dalits, nomads and other landless people, began the padyatra, or march, on foot in Gwalior in Madhya Pradesh on Wednesday, and will pass through Rajasthan, Uttar Pradesh and Haryana, covering 350 kilometers (220 miles), before reaching Delhi on Oct. 28. The numbers are expected to swell to 100,000.

Over the last decade, India has substantially expanded its net of welfare policies, aimed at lifting its millions from poverty. A right-to-food bill, which guarantees subsidized food grains to the country's poor, is in the works, and a right-to-work program, called the National Rural Employment Guarantee Scheme, ensures 100 days of employment to the rural poor.

“It is time for the right to shelter,” Mr. Rajagopal said in a phone interview after the first day of the march, during which the group covered 22 kilometers.

India already has a rural housing program, called the Indira Awaas Yojana, which gives cash to those below the poverty line to build a house. But, activists say, the program is too narrow to help a large number of people and doesn't solve the fundamental problem of landlessness.

For several years, Ekta Parishad has asked the government to give land to the poor to build a hut or house, “or at least pitch a tent,” said Mr. Rajagopal. Another solution Ekta Parishad advocates is giving slums and other spaces already occupied by the poor to the residents, so that the fear of demolition is removed.

In 2007, a similar protest march led to the formation of the National Council on Land Reforms, under the chairmanship of Prime Minister Manmohan Singh, which was supposed to draw a roadmap for policy reform. The body's recommendations, which were released in 2010, have largely been ignored, activists say.

The issue has again gained momentum in the last few months, and Mr. Rajagopal said talks with India's rural development minister, Jairam Ramesh, seemed close to a bre akthrough. But they fell apart at the last minute, Mr. Rajagopal said, accusing the government of succumbing to pressure from the corporate sector and dragging its feet on land reforms.

Minister Ramesh, who has said that the issue of land falls within the purview of state governments, has called for another round of talks on Oct. 11. In a letter to Mr. Rajagopal, Mr. Ramesh said “There is a very substantial degree of consensus on what must get done.”

Mr. Rajagopal, however, said it was time to take the battle to the streets. “The state will never act unless people come out openly and do something,” he added.

When the talks collapsed, Ekta Parishad began its march, which is designed to allow everyone to participate, Mr. Rajagopal said, including the young, old, rural, urban, educated and uneducated. The group plans to walk some 15 kilometers each day, singing songs and chanting. They sleep on the streets and eat only one meal a day. “It uses the st rengths of the poor,” Mr. Rajagopal said.

The process of drumming up support for these protests began several years ago. Mr. Rajagopal said he and his team traveled widely throughout the country, organizing workshops to “give people faith that change can happen” and building a base of volunteers and workers.

Indeed, this caravan protest has been a large logistical endeavor. In the last four years, Ekta Parishad's 350 workers have trained some 12,500 people to organize and lead groups of marchers that make up the campaign. The protesters are divided into camps of 500, each headed by a trained volunteer, who is responsible for the group's discipline, cooking and feeding, and cultural activities.

The padyatra form of protest can be traced to India's freedom struggle, when Mohandas K. Gandhi led a march to coastal Gujarat, popularly known as the Dandi march, to protest the British government's monopoly on the salt trade.

In recent years, mass antigo vernment protests have erupted across the country. Anna Hazare mobilized thousands of Indians last year to join his crusade against corruption. In Karnataka, a group of farmers is protesting against the sharing of water with a neighboring state, and agitation over the building of a nuclear plant in Kundankulam in Tamil Nadu continues.

Ekta Parishad is hoping its protest will result in some concrete measures. When the marchers reach Delhi, Mr. Rajagopal said, the government “can put us in jail or come out with a policy.”



India Moves Again to Ease Way for Foreign Investment

NEW DELHI - In their second major effort in two months to revive a flagging economy, Indian policy makers on Thursday proposed letting foreign investors take a bigger stake in insurance and pension companies.

The measures, which were approved by the cabinet, will now go to the Parliament, where their passage is far from certain. The national governing coalition led by the Indian National Congress Party does not have a majority in the legislature, and opposition parties and even some of its own allies have said they do not support greater foreign investment.

Still, anticipation of the changes sent the 's benchmark stock index Sensex up 1 percent to its highest close in more than a year.

The index has rallied about 5 percent since the middle of September, when the government allowed greater foreign investment in retailing and aviation and reduced government energy subsidies.

Under the proposal approved by the cabinet, foreign companies would be allowed to acquire up to 49 percent in Indian insurance and pension firms, a change that both Indian and overseas firms have long lobbied for, saying that the sectors needed more capital to grow.

Foreign companies are now allowed to hold a 26 percent stake in insurance companies but are not allowed to invest in pension firms. India's insurance premiums total about $40 billion a year and its pension industry has assets of $300 million.

The changes will most likely face stiff opposition in Parliament, which was paralyzed during its last session after the opposition Bharatiya Janata Party repeatedly interrupted proceedings to demand the resignation of the prime minister, Manmohan Singh, in connection with a scandal involving the allocation of concessions. The next session of Parliament begins in November.

Opposition officials, who were involved in drafting the proposals at an earlier stage of the lawmaking process, have said that they would not support an increase in foreign investment to 49 percent. Some of the government's allies have also said they do not support the change.

“Legislation in democracy is a process of negotiation and discussion,” Palaniappan Chidambaram, India's finance minister, said at a news conference.

“Obviously, we need to talk. We will sit and talk to all parties, especially the principal opposition.”



Protesters March Against War in Istanbul as Tension With Syria Escalates

By ROBERT MACKEY

As my colleagues Tim Arango, Sebnem Arsu and Anne Barnard report, the conflict in Syria spilled over its border with Turkey again on Thursday, as the Turkish military struck Syrian positions in retaliation for cross-border shelling that killed five Turkish civilians a day earlier.

After Turkey's Parliament voted to authorize further military action against Syria, Prime Minister Recep Tayyip Erdogan said that another Syrian shell had landed in Turkish territory, the newspaper Today's Zaman reported. Despite assuring reporters that his government “could never be interested in something like starting a war,” as he stood next to Iran's visiting vice president, Mr. Erdogan added: “The Turkish Republic is a state capable of defending its citizens and borders. Nobody should try and test our determination on this subject.”

Late Thursday, thousands of anti-war protesters marched to Taksim Square in the center of Istanbu l. The blogger Serhatcan Yurdam documented the protest using Instagram, and curated a collection of photographs uploaded to Twitter by observers and participants in the march.

Raw footage of the protest posted online by the Turkish news agency DHA showed the protesters chanting “No to War!” and “U.S.A. Get Out of the Middle East!”

Video of an anti-war protest in Istanbul on Thursday night, posted online by DHA, a Turkish news agency.

Among the slogans written on signs and banners carri ed by the protesters were:”This War Is Not My War,” No to Imperialist Intervention in Syria,” “We Will Halt the AK Party's War Politics,” “We Won't Be the Soldiers of Imperialism,” and “U.S.A. Take Your Hands Out of the Middle East.”

An overhead view of the protest, posted on a Turkish-language Facebook page for supporters of President Bashar al-Assad of Syria, appeared to show that it was attended by thousands of demonstrators.

Video, said to show an anti-war protest in Istanbul on Thursday night, posted on YouTube by a supporter of President Bashar al-Assad of Syria.

The sound of pre-dawn shelling from Turkey into Syria early Thursday was caught on video by the Turkish news agency Cihan.

Video of Turkish shelling across the border into Syria early Thursday, from Turkish news agency Cihan, uploaded to YouTube by the newspaper Today's Zaman.

The Turkish military action followed the death of five civilians on Wednesday when mortar fire from Syria killed two women and three children in the southern Turkish border town of Akcakale. Video of the chaotic scene moments after the shelling was broadcast on Turkish television.

Video from Turkish television shot immediately after five Turkish civilians were killed by mortar fire from Syria on Wednesday.

At funerals for the five victims on Thursday, the newspaper Hurriyet reported that “Akçakale residents expressed their fury at the authorities who came.” Addressing civilian and military officials, one mourner asked, “You are protected by so many men, why are we unprotected?”

Juliette Cezzar contributed reporting.



For International Students, College Checklists for October

By JOE FREEMAN and PETER JENNINGS
Higher EducationThe Choice on India Ink

Choice LogoGuidance on American college applications for readers in India from The Times's admissions blog.

This week, The Choice published our monthly Counselor's Calendar, designed to keep students on track during the college admissions process.

We've asked Joe Freeman, the dean of the 11th and 12th grades at Randolph School in Huntsville, Ala., for this month's admissions advice for juniors. Peter Jennings, the director of college counseling at Concord Academy in Concord, Mass., offers this month's admissions advice for seniors.

What follows are excerpts that are most relevant for international students. - Tanya Abrams

Juniors: College Checklist for Oc tober

Crush It in the Classroom

Undoubtedly you have already tired of hearing a teacher, parent or counselor remind you that “this is your most important year.” Even so, such a message bears repeating. Colleges evaluate you first and foremost on your performance in the classroom.

You have reached the last point at which your grades can have a significant impact on your grade point average. Furthermore, colleges are interested to see how you respond to the challenge of more difficult and advanced work - work that begins to resemble some of what you will encounter in your first year in college. Therefore, admissions officers pay particular attention to the grades from your junior year.

Maintaining strong grades or demonstrating an upward trend as you mature and grow into your intellectual potential will help colleges to make a decision in your favor.

Make Appropriate Adjustments

By now, you have receive d some important feedback in each of your classes. Use that feedback strategically. Which classes demand more of your attention? Which teachers do you need to start seeing for extra help? What concepts are particularly challenging?

Managing your time and setting appropriate priorities are critical skills to master at this point in your academic career. Ensure that your course load is both challenging and reasonable, and know your school's policies and deadlines regarding course changes in case you are overwhelmed or underserved by your current program.

Most important, as you encounter challenges and difficulties this year, work to advocate for yourself in overcoming those obstacles. As tempted as you might be to unleash the fury of Mom and Dad on that obstinate teacher, you will be much better served by forging your own solution to classroom struggles, and you will develop an essential skill for college in the process.

Also, keep some balance and perspectiv e. No grade, award or acceptance letter is worth a year of misery and deteriorating mental health. Schedule your social and vegetative moments, and do not sacrifice sleep in order to add hours to your day.

Consider Taking the PSAT

The format and content of the Preliminary SAT, or PSAT, are nearly identical to those of the SAT, which you should plan to take in the late winter or early spring. Familiarizing yourself with the test beforehand, reviewing the concepts that it will cover and developing some test-taking strategies will allow you to maximize your performance.

The score report you receive in December will give you a very accurate understanding of where you need to improve and what you need to focus on as you prepare for the real thing; it will provide question-by-question results.

That score report is the most critical piece of information you can have in constructing a testing plan, so ensure that it is not a reflection of a bad day or a poor effort.

Talk to College Representatives

As you read this, admissions officers from every college in the United States are inundating schools with glossy handouts, cool gadgets and an overflowing satchel of information about their college. They are at there to answer questions and to educate students about the opportunities their institution can provide.

Make every effort to visit with college representatives - particularly if you have an interest in their school, but even if you have never heard of them. You do not know what is out there unless you start asking questions based on your goals and interests.

Go to a local college fair. If a college that you are interested in does not visit your school, engage with that college by filling out an online inquiry or interacting with the admissions office on social media. Many colleges will look to see how well informed you are about them should you choose to apply.

Seek Depth and Leadership in Extracur ricular Interests

Do not take on new extracurricular activities at this point in your high school career. Instead, immerse yourself in extracurricular involvements suited to your expertise and passions.

Know what it will take to be a team captain, dramatic lead, first chair, class president or yearbook editor, and prepare yourself to assume those kinds of leadership positions.

Activities outside school can be important, too, particularly for artists and athletes. Service work and employment experience are also valid extracurricular pursuits. Whatever you do, ensure that the depth and constancy of those pursuits are authentic.

Seniors: College Checklist for October

Define Your Motivation for Going to College

Students often apply to college without honestly and deeply confronting the question: “Why college?”

After all, the critical difference between high school and college is the difference between the questions of “What am I being asked to do?” and “What is possible?”

Are career concerns motivating you? How do you feel about stepping outside your comfort zone? Does delving deeply into a specific subject fascinate you? Are you eager for college because this may be the last time you surround yourself almost exclusively with others your age (at least before entering a retirement home)?

Seniors with a clearer sense of why they are going to college develop a stronger slate of investigative questions, establish priorities and simply craft better admissions applications. Furthermore, they are happier when they arrive on campus because they are ready to sort through and capitalize on the myriad opportunities available.

Make Time to Think and Narrow Your List

Scheduling time to tackle tasks on the college admissions checklist is vital. One weeknight evening? Friday afternoon? Saturday morning?

Reclaim a productive segment of the week and schedule specific time to simpl y visualize yourself enrolled in college. Maybe there's value in a weekly walk committed to considering the vibe of the individual colleges you have chosen and how can you demonstrate your best self to these colleges. Will the highlight of your undergraduate years be a reading from the poet laureate, a trip to championship college sports game, or both?

This thinking will help you narrow your list of colleges, which typically should number between six to eight intuitions of varying selectivity.

Complete Early Applications, if Applicable

If you are considering early decision, early action or rolling applications, this is the month to focus on completing those. However, it is also vital to look beyond these deadlines to the regular round of applications and continue to research all the schools on your list.

Seek Out Teachers for Advice and Recommendation Letters

The design of the college process means others must be involved. By the end of the mont h, you should have secured teacher recommendations by asking those instructors who know you best to write in support of your candidacy. They, along with your guidance counselor (who will most likely also write for you), can be deep wells of information and support.

Share with them your plans and ask them what they know about specific programs or majors. You can also help them write a more effective letter by crafting a quick note describing your favorite assignment in their class, what you appreciated most about their teaching, and what you hope to do with their lessons.

And while we are on the subject of writing, as your application deadline approaches, be sure to write each of your recommending folks a handwritten note thanking them for their efforts.

Write Your Essay, ‘but Don't Overdo It'

This is the month for polishing off the college essay, and you could probably spend all 31 days reading the many books on college essay writing. The key to the essay, however, is not to make this task bigger than it is.

If you find yourself looking at a blank screen, go for a walk, think some more, and get the words on paper. Five hundred words isn't a lot of space, so choose a specific topic, refine it, and put it away. Return to it a week later and revise.

An essay deserves focus, but don't overdo it; the average admissions essay gets two minutes of an admissions reader's time. Trust your voice and story.

Supplements Matter

If some of the universities you are applying to require supplemental writing, be sure to give these pieces deliberate care. School-specific writing is particularly important at those colleges that measure demonstrated interest.

Responses that are specific and reflect a student's research about a particular program or aspect of campus life are far superior to those that regurgitate a college's mission statement or those dashed off the night before a deadline.

Writing which h ighlights Professor Platt's research into a study of 20th-century memory among Russian-speaking populations in the Baltic is far superior to vaguely stating your desire to attend a world-renowned university in the middle of a city or discussing your fascination with engineering for a college without an engineering major.

Take In the Vista: Look Up From Your Paper

Make certain the transition to college and the admissions process doesn't dominate your senior year. Plan a get-together with classmates with the rule that college talk is not allowed. Choose days with your family when the topic of admissions will be off-limits. You are far more than simply a college-bound senior.

This post was prepared in consultation with the Association of College Counselors in Independent Schools, a membership organization.



Philadelphia Fires Police Officer Caught on Video Punching Woman

By JENNIFER PRESTON
A video report from CBS 3 in Philadelphia features cellphone video posted on YouTube that shows a police officer punching a woman in the face at a parade on Sunday.

A Philadelphia police lieutenant lost his job after 36 seconds of cellphone video that showed him punching a woman in the face after the city's annual Puerto Rican Day Parade on Sunday went viral on YouTube.

Police Commissioner Charles H. Ramsey suspended the officer, Lt. Jonathan D. Josey II, 40, a Highway patrol supervisor, for 30 days, effective on Thursday, with “the intent to dismiss.”

“I watched the video over and over again, and I also listened to the interviews the complainant gave the media,” Mr. Ramsey told reporters, according to the Philadelphia Daily News. “Looking at everything, it was my sense that this was a very serious violation of department policy and that the force used wa s not the force necessary to effect an arrest.”

The Philadelphia Inquirer reported that the District Attorney's office would drop disorderly conduct charges that were brought against the woman, Aida Guzman, 39.

Ms. Guzman, a domestic worker from Chester, Pa. was struck twice, knocked to the ground and handcuffed by Mr. Josey, the commanding officer, after it appears someone had tossed water or some other liquid at his back.

In the 36-second video, which has been viewed more than 1.3 million times, it looks as if liquid is squirted into the air and may have fallen on Mr. Josey and a small group of other officers walking across the street in a crowded intersection, at 5th and Lehigh Streets. Mr. Josey spins around and strikes Ms. Guzman as she is walking away.

Ms. Guzman is not seen in the video throwing liquid or anything at the officers. She can be seen waving what looks like a can of “silly string” into the air an d holding a flag. She suffered a cut lip, wounds to her arms and head and neck pain, her lawyer said.

A spokesman for the police union representing lieutenants said that they would fight Commissioner Ramsey's decision to dismiss Mr. Josey, who was a decorated police officer with 19 years on the job.

Mr. Josey has been “cited by the Citizens Crime Commission of Delaware Valley for bravery in 2010 after interrupting an armed robbery and shooting the perpetrator,” according to the Philadelphia Daily News.

The Daily News also reported that Mr. Josey worked in some independent films as an actor and had contributed opinion pieces to the newspaper in recent years about criminal justice. And in 2006, he earned a spot and a photograph of him bare-chested in the paper's pages as a Daily News “Sexy Single.”

Sam Gregory, program director for Witness, a nonprofit organization that promotes the use of video for human rights, said this is the latest example of how people are increasingly turning to cellphone videos to capture police misconduct.

“It demonstrates the importance of citizens being able to capture this type of video and protecting their right to record,” Mr. Gregory said. He said the ability for people to record police officers is inconsistent across the United States because of varying state laws.

Witness was founded in 1992, after a video recording was made in 1991 of Los Angeles police officers beating Rodney King, who became a symbol of police brutality. The video contributed in raising public awareness of the excessive use of force by police officers and was used in a trial against the officers involved.



Image of the Day: Oct. 4

By THE NEW YORK TIMES

Multinational Crackdown on Computer Con Artists

WASHINGTON - Consumer frauds often make claims that are too good to be true. But a recent one, cited by regulators around the world Wednesday, depended on a pitch that many people found completely believable - that or another computer company knows what is on your personal computer.

The Federal Trade Commission announced a multinational crackdown on so-called tech support scams, in which a caller fools a consumer into believing Microsoft or a computer security company has discovered that a PC is infected with harmful software. The caller then offers to fix the computer on the spot for a price. The target would sometimes let the ostensible tech support company gain remote access to his computer, allowing the company to download software to it.

In six cases filed in federal district court in Manhattan, the commission named 17 individuals and 14 companies, most in , as participants in the operations, including many with legitimate-sounding names like Virtual PC Solutions and Zeal IT Solutions.

At the commission's request, a federal district judge in Manhattan froze the United States assets of the suspects. The commission also said it had shut down 80 Internet domain names and 130 phone numbers in the United States used in the scheme. Efforts to reach several of the companies and individuals were unsuccessful.

Jon Leibowitz, chairman of the trade commission, said at a news conference that the scheme involved getting a computer user to look at a program that is a standard part of the Windows operating system.

That program, known as “Event Viewer,” displays logs of operating-system events, which can sometimes carry the benign label “Warning” or “Error.”

The caller would then warn that those files indicated viruses that could crash the computer or, in at least one case studied by the F.T.C., that the computer could explode.

“Clearly the defendant's M.O. was to exploit these fears about malware hiding in the machine,” Mr. Leibowitz said. “These scams fleeced English-speaking consumers worldwide likely to the tune of tens of millions of dollars and resulted in innumerable Do Not Call violations in the United States.”

Officials said they were unable to pinpoint the number or dollar-amount of violations because many of the victims might not yet be aware they were taken.

But Microsoft later provided data on its contacts with 1,045 people who had told the company they believed they had been contacted by a fake tech support caller. More than 400 of those either fell victim to such operations, with losses averaging $875, or had to pay an average of $1,700 to repair damage to their computer.

The suspected fraud occurred in several English-speaking countries. Joining the F.T.C. in the enforcement action were the Australian Communications and Media Authority, the Canadian Radio-Television and Telecommunications Commission and 's Serious Organized Crime Agency.

David Vladeck, director of the F.T.C.'s Bureau of Consumer Protection, said the commission was working with law enforcement officials in India to catch the perpetrators. The commission has also referred the cases to the Justice Department for possible criminal prosecution.

The scheme relied on boiler-room cold calls or ads connected to searches that offered the phone numbers for phony tech support services for a specific computer brand.

The callers, who usually asserted that they represented technology companies like Microsoft and and security companies like and McAfee, would try either to sell virus-protection software or to get the consumer to allow remote access to his computer so that the caller could then “fix” it, for fees of $45 to $450.

Frank Torres, director of consumer affairs at Microsoft, who also spoke at the news conference, said the company “will never cold call a consumer and ask for their credit card information to charge them for a service that they don't need.”

A consumer who gets a call like this, he added, should go to the site of a trusted computer-security resource to determine whether any threat is present.

In an interview, Mr. Torres said it was understandable that a consumer might believe that Microsoft could monitor the computers of Windows users.

Microsoft does have a lot of information about what is on many consumers' computers. Most Windows users have probably seen a message asking if they want to send information about a program error to Microsoft.

And depending on a user's security setting, Microsoft often sends patches and updates to its programs for consumers to download and install.

Microsoft collects that information because “part of our role is to do everything we can to protect consumers,” Mr. Torres said. Several units at Microsoft, including a digital crimes division, monitor messages from consumers about potentially illicit software or events.

The latest scheme is not entirely new; this week the commission ended a four-year investigation and enforcement action against a similar operation in which more than one million consumers were conned into buying software that supposedly remove malicious files. Last month, a federal district court in Maryland imposed a $163 million judgment against one of the defendants.

“Commerce is global, which is great for consumers, but it's a double-edged sword,” Mr. Leibowitz said. “It allows scammers to go where the money is, where it's made most easily and to engage in global scams.”



More Reforms Expected to Boost India\'s Flagging Economy

By HEATHER TIMMONS

India's central government is expected to announce another round of proposed changes to boost flagging economic growth Thursday evening, including foreign investment in pension and insurance industries and changes in how companies are required to report financial results.

The Bombay Stock Exchange's Sensex index crossed 19,000 on Thursday - the first time it has hit that mark since July 2011 - prior to an afternoon cabinet meeting at which the reforms were expected to be discussed and approved.

The cabinet was expected to approve a proposal that foreign companies be allowed to invest in India's $40 billion annual premium insurance and $3 billion pension industries, at up to 49 percent and 26 percent of a company's value, respectively, according to a government official briefed on the meeting. Foreign investment in Indian insurance companies is currently capped at 26 percent, and the pension industry is closed to fore ign investors entirely.

The cabinet was also expected to discuss new rules for companies to follow in reporting earnings online, and to set up an oversight committee for that reporting, as well as to fine-tune rules established by India's Competition Commission.  Finance Minister P. Chidambaram is expected to present the proposals at a news conference tonight.

Not on the agenda: discussion of a proposed retrospective tax amendment  that has spooked foreign investors, according to the government official.

Whether the changes proposed by the Congress-led United Progressive Alliance will actually be enacted is another question entirely.  Each new policy would have to clear India's deeply divided Parliament, which was paralyzed during the last session after the opposition Bharatiya Janata Party repeatedly interrupted proceedings to protest the government's allocation of coal concessions.  Still, government officials are optimi stic, because some of the changes were originally proposed by a committee chaired by an opposition party member.

After the last Parliament session closed, the government moved into high gear  to make progress toward some of its goals before the next session in November.  It quickly proposed India's most significant economic policy changes in 20 years, including a controversial plan to allow multibrand retailers like Walmart into the country. Those changes, while they don't need to be passed in Parliament, are still being debated by allies in the governing coalition.  Some allies have threatened to pull out of the alliance over the issue, which could topple the government; one, the Trinamool Congress, has already left the coalition. 

India's pension industry is expected to grow quickly, as an increasing number of people join India's “organized sector,” or companies that pay taxes and pensions, according to a report this summer from an Indian industry tra de group.

Some analysts also see huge growth potential in India's insurance industry: the ratio of premiums to gross domestic product is about 4 percent, a McKinsey study found, well below the 6 to 9 percent ratios in developed economies.