Jadhav’s credit card debt has not found favour with his father whom he describes as his opposite because he abhors loans. “If my father has ten rupees in his pocket, he might consider spending one rupee. But I will spend two rupees if I have one rupee in my pocket,” he describes. Jadhav concedes he will have to change his squandering habits for the sake of his wife and son. His wife might soon start job scouting too.

It has only been a week since he has lost his job and Jadhav says he can manage for the next couple of weeks on his last pay cheque. If he does not find himself work within a month, Jadhav says he will go to his dad and say “zindabad” to his bank. He says how he expects his father to respond: “He will call me shameless!”