Babloo Bachelor is a story based in UP, where a well to do family had always dreamt of their son's wedding with great pomp and show. Babloo (Sharman Joshi) met few girls for his wedding but didn't get the right one.Then he met Pooja Chopra who was already  engaged, and not a virgin. After listening to this, he rejects the proposal. Later in one wedding he got to meet Tejasri Pradhan, with whom he falls in love and the both agree to marriage. But the twist comes when on the wedding day Tejasri runs away leaving a letter for him, in which she says she has moved to Mumbai to persue her career of being an actress. In search of his love, Babloo travels to Mumbai where he bumps into Pooja Chopra. Babloo, explains to Pooja the situation, and the latter decided on helping him find Tejasri. Will Pooja and Babloo find Tejasri? Will Babloo and Tejasri get married are some of the questions that form the rest of the film.

After a two-year-long battle with cancer, veteran actor Rishi Kapoor recently breathed his last. He, accompanied by wife Neetu Kapoor, spent nearly a year in New York, being treated. Kapoor enjoyed unmatched love and respect from the industry and the list of people who visited him during his stay at NYC is rather long. From Shah Rukh Khan, Aamir Khan, Karan Johar to Priyanka Chopra, Deepika Padukone, Vicky Kaushal and many more, stars, as and when they were in the city, would catch up with the late actor and we would keep coming across happy pictures on Neetu Singh's Instagram.

While crawling the internet, we came across this photo of Abhishek Bachchan, Aishwarya Rai Bachchan and daughter Aaradhya Bachchan, posing with Rishi and Neetu, son Ranbir Kapoor, beau Alia Bhatt and Ranbir's sister Riddhima Kapoor Sahni. We remmeber Abhishek and family dining with the Kapoors at New York, and for those who recollect, Alia would also fly off whenever she could, and also celebrated her Christmas there, with Ranbir and family.

Rishi Kapoor, who reportedly had a relapse of cancer, was admitted to Mumbai's Sir HN Reliance Foundation hospital, and took his last breath on 30th April.

Karan Johar's kids Yash and Roohi certainly have a fascination for their father's closet, and are hovering around that place most of the times. Quite understandable, given that Karan is a known fashion freak and has piles of interesting clothes in his closet.

And apart from that, he also has a tijori inside one of the cupboards! This was a discovery for us, and the credit goes to Yash who thought it to be a washing machine and opened the cupboard door for us! Karan can't stop laughing when Yash tells him it is a washing machine, and says that his tijori is empty, thanks to the present economic condition, and a washing machine would actually be much more useful. LOL! He shared the video on Instagram and wrote, "Well we are now back in the closet but this time with a twist".

 

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Well we are now back in the closet but this time with a twist #lockdownwiththejohars

A post shared by Karan Johar (@karanjohar) on May 6, 2020 at 11:08pm PDT

The huge closet might attract them, but Yash and Roohi aren't always very delighted with their dad's choices. Just some days ago, they mistook one of his fancy Manish Malhotra kurtas as their grandmother Hiroo Johar's dress. Another time, they were seen picking Karan's frames and calling them stupid.

Stern critics in the house!

Actor Dwayne Johnson just made his teacher's dream come true! The actor sent out a congratulatory message to Carol Propst, an English teacher at Virginia High School, who was retiring after working for 39 years as a teacher. One of her colleagues reached out to Johnson on Twitter and the actor obliged with a video message.

"Today I received the ultimate retirement send-off: a personalized message from Dwayne @TheRock Johnson! Thanks to all my beloved students and colleagues. BVPS, YOU ROCK! #propstrocks," Propst shared on Twitter.

So it happened. I’ll tell the story in a series of tweets but @TheRock reached out to us to surprise @PropstMiss. @news5wcyb videoed it and will run a segment about it tonight at 10. THANK YOU to Dwayne Johnson! Thank you to @garyskeen01 for his major role in this. #propstrocks https://t.co/aVojzFIUcg pic.twitter.com/o4nhmHc4bc

— Noah Ashbrook (@Mr_Ashbrook) May 6, 2020

Dwayne was heard saying, "Hey Carole, Dwayne Johnson here. I wanted to take a moment to say congratulations. Congratulations, Carole, for your retirement from Virginia High School after 39 amazing, incredible years. Wow!"

"Carol. Congratulations! I am so happy for you, and I am so proud of you. And, being that this is teacher appreciation week, on behalf of all parents, Carole I say thank you. Thank you and thank all of your fellow teachers for your wisdom, for your love, for your care, for your discipline — which I needed a lot if you were my teacher. But thank you so much for educating and for caring for our kids," he said.

Day 71. So do I now send our 70 days of thank you tweets to @TheRock? To understand the whole story you first need to see his video he sent to @PropstMiss. I’m editing her reaction video and will post it soon. pic.twitter.com/Sqcin0cOUM

— Noah Ashbrook (@Mr_Ashbrook) May 6, 2020

Dwayne Johnson also sent a gift package to her which included a tequila brand as he said that they would share it one day together.

Seeing her reaction, he responded on Twitter by saying, "Awww I love seeing this. Her reaction is just beautiful. Things like this are the best part of fame."

I‘ll ride with you, Carol ????????????❤️ https://t.co/tevJCWmcAY

— Dwayne Johnson (@TheRock) May 7, 2020

ALSO READ: Dwayne Johnson and Emily Blunt to reunite for movie adaptation of Ball and Chain

Veteran actor Rishi Kapoor breathed his last on April 30 after his prolonged battle with leukemia. The Kapoor family, friends, and fans continue to remember him on social media.

On Thursday, his niece Kareena Kapoor Khan shared a throwback picture of him with her parents, Randhir and Babita Kapoor. The black and white photo features legendary musician Rahul Dev Burman (RD Burman). She captioned her picture, "Irreplaceable" with a heart emoji.

 

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Irreplaceable ❤️

A post shared by Kareena Kapoor Khan (@kareenakapoorkhan) on May 6, 2020 at 10:44pm PDT

Neetu Kapoor left a heart emoji in the comments section.

Rishi Kapoor was diagnosed with leukemia in 2018. He went to New York for his treatment and returned to India in September 2019. He passed away at the age of 67 in Mumbai.

ALSO READ: Throwback: When Rishi Kapoor and Neetu Kapoor dined with Abhishek Bachchan and family in New York

Arjun Kapoor has always appreciated eclectic content. The actor, who runs his own digital property Arjun Recommends through which suggests great content for people to binge on, is currently gorging on yesteryears acclaimed TV show Byomkesh Bakshi played by actor Rajit Kapur.

For Arjun, this show is like a whiff of nostalgia from his childhood. He says, “Whenever I could catch Byomkesh Bakshi as a kid, I remember I enjoyed it thoroughly. For me, Byomkesh was what a hero should be. Slick, super-intelligent, and charismatic, he is one of the best sleuths that I have seen on screen! I have been watching Byomkesh on TV again and it is pure nostalgia for me!”

Arjun lists his reasons why he loves this indigenous super-detective. “The best thing about Byomkesh was that he solved intelligent crimes and that really hooked me on. The writing, the cleverness of the cases really got me interested. The show still hooks you thoroughly and that’s what great writing, great acting can do. Great content has the ability to become timeless and universal,” he adds.

Arjun secretly wishes to play a detective on screen. “Since then, I had always wanted to play a detective who saves the day and saves lives. I got to live my childhood dream by playing an undercover agent and saving the country in India’s Most Wanted! I still hope I get to play a detective on-screen one day!” says Arjun.

Also Read: An overwhelmed Arjun Kapoor wishes a frontline doctor on her birthday as she pens an emotional note

Rishi Kapoor passed away after battling leukemia for over two years, while the family is still coping with the loss, Neetu Kapoor has thanked the hospital authorities and Mukesh and Nita Ambani for their consistent support and love. Even though Riddhima couldn’t make it to her father’s funeral, she is currently in Mumbai to stay with her mother and brother in these trying times.

With an overload of throwback pictures and tributes, Rishi Kapoor will surely be missed by everyone in the industry along with his ardent fans. His charm and positive nature is still looked up to with Riddhima and Ranbir providing the much-needed support to Neetu Kapoor. A week after Rishi Kapoor’s demise, Riddhima Kapoor has shared a picture with Ranbir Kapoor and Neetu Kapoor citing that they have got her back.

Take a look at it.

Also Read: Neetu Kapoor thanks Mukesh Ambani and Nita Ambani for their consistent love and support

Jacqueline Fernandez’s latest cover for a leading magazine was flawless as ever but these inside images tell us, how we must reconnect with nature. What better inspiration than the actress, herself!

In the first one, we see Jacqueline playing a guitar and playing with a little goat. Jacqueline is seen wearing a beautiful dark ocean blue blazer with a bralette and a skirt. The magazine on their social media says, "Amidst news of the lockdown extension, we asked Jacqueline Fernandez to create images that would celebrate just some of the things that are bringing us joy right now—beautiful imagery, nature, and the hope of a better future. The actor is quarantined out on a Panvel farmhouse and is also currently promoting her new Netflix movie Mrs Serial Killer. She styled and did her own hair and makeup for this dreamy digital cover story. Watch this space to see more images created exclusively for Bazaar."

The second one is the one where we're searching for sunnier times. Jacqueline looks stunning in the beige skirt and a white single shouldered top with soft summery glowy dewy makeup. The magazine shares on their social media and says, "Dreaming of sunnier times and the great outdoors with cover star Jacqueline Fernandez".

 

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A post shared by Harper's Bazaar, India (@bazaarindia) on May 4, 2020 at 6:59am PDT

 

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A post shared by Harper's Bazaar, India (@bazaarindia) on May 4, 2020 at 7:08am PDT

 

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A post shared by Harper's Bazaar, India (@bazaarindia) on May 4, 2020 at 8:01am PDT

The last look of Jacqueline with wavy hair and the blazer with sunshine on her hair enhancing the looks. The last one is a perfect picture for how we are all feeling during the quarantine, the magazine writes, "Our April/May 2020 digital issue cover star Jacqueline Fernandez shared a glimpse of what life looks like for her right now in quarantine. The actor is grateful to be quarantined out on a Panvel farmhouse where she is, “reconnecting with nature”. She says she is, "doing everything that I can to help those in need from here and praying for strength and health to each one in this world during these tough times."

It’s amazing to see how we can totally relate to these images and mood as we are feeling it totally. Everyone is searching for hope, sunnier and happier times. Everyone is reconnecting with nature in their own way. Jacqueline is also one of those actress who wins hearts not just on magazine covers but also on-screen each time. Her recently released Mrs. Serial Killer has won hearts and the perfect portrayal of a dark character has just proved her versatility as an actress one more time.

Also Read: VIDEO: Salman Khan, Jacqueline Fernandez, Iulia Vantur send out bags of ration to the needy

A few weeks back, actor Abhishek Bachchan, on Instagram, shared a priceless throwback photo from his first ever stage performance as an actor alongside father Amitabh Bachchan, in 2004. His love for the stage, however, began when he was merely a child and would accompany his father for his live shows. He shared a video, giving us glimpses of one such show and also spoke about the fondest memories spread over the years.

"I have so many memories of being on the road with him, his co-stars and the immense Kalyanji and Anandji and their 40 piece orchestra helmed by a young and upcoming Viju Shah ( Kalyan ji's son and future Music Director of huge fame)," he wrote.

 

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#FlashbackFriday My 1st ever stage performance after becoming an actor. Got to share it with a pretty cool dude! This was for the "Help" telethon which was done to raise money to help all the victims of the devastating tsunami which occurred on December 26th 2004. This huge enterprise of getting the entire Hindi film industry together ( a Herculean task) was spearheaded by @duttsanjay . And although I was slated to make my debut stage performance in Amsterdam for the IIFA awards later in the year, I just couldn't say no to the cause and Sanju sir. Both dad and I performed to a mix/ medley of his song रंग बरसे and "one love" a track I had done as a cameo in my dear friend @suniel.shetty film Rakth. The show took place in early February 2005. Both dad and I were shooting for "Kajra re" with Aishwarya for Bunty aur Babli. I would shoot the song all day from 9am to 10pm and then drive to the concert venue and rehearse all night. I even spent my birthday shooting Kajra re ( but that is a different story, reserved for another Friday). At night, after the shoot I remember when I reached the venue for my rehearsal all the lights were off!!! Thinking that I had made a mistake and showed up to rehearse when there wasn't any.... Suddenly all the stage lights came on and all the dancers, Ganesh Hegde the choreographer, stage hands and technical staff surprised me! Then Sanju sir and @walia_bunty ( he was one of the organisers) rolled out a huge cake and a birthday present for me. They all sang and managed to embarrass me to bits! What fun. Good times!

A post shared by Abhishek Bachchan (@bachchan) on Apr 24, 2020 at 3:38am PDT

The actor went on to recall how the artists would gather in his parents' suite for a midnight dinner and how their return journey by flight would be nothing less than a mini concert mid-air! In the video, Big B can be seen calling Abhishek and sister Shweta to the stage as he introduces them to the audience.

"What times! As a child standing in the wings looking at the show in awe and wonderment. Not realising at that time the legends that I was blessed to witness perform live. Secretly imagining myself on that stage once I grew up," Abhishek added.

That's certainly where it all started!

Khalnayak is one of the most respected films made by Subhash Ghai, despite the controversies that revolved around it. From Sanjay Dutt’s arrest post shooting for the final scene to Madhuri Dixit’s famous song, ‘Choli Ke Peeche Kya Hai’, there were a number of controversies that came to light. However, after the film released, it became a blockbuster and was even recognized internationally. Subhash Ghai, in an exclusive conversation with Bollywood Hungama, spoke about how he ideated the sequel of this film after Sanjay Dutt wrote to him from jail.

He said, “We’re working on Khalnayak 2 from the past 2-3 years now. Sanjay Dutt has always been a dear friend of mine and even when he was in jail, he used to write to me. So, in those letters, he would always write to me saying that whenever he entertains here, they hand him the mic and ask him to sing as well. The most famous song there was ‘Nayak Nahi Khalnayak Hu Main’, and Khalnayak was a very popular film there and they loved him for the character Ballu Balram, so why don’t we make a sequel for it?”

He further continued and said, “So, he wrote it to me in a letter and that’s when I thought that it’s possible to make a sequel. It would revolve around Ballu Balram returning from jail after completing his sentence and then he would come across Madhuri Dixit and Jackie Shroff’s characters that have gotten married and have kids. Then I narrated it to Sanjay and he said that we will definitely make this film, that’s when we started working on the script and it has been close to two years now and the script is ready. God willing, we will soon take the film on floors. The story will revolve around Ballu Balram’s older and younger version. Sanjay will portray the older version and the younger one will be portrayed by a new-age star.

Also Read: Sadak 2: Sanjay Dutt says Mahesh Bhatt still seeks perfection in every shot

Sara Ali Khan is a fitness enthusiast and manages to stick to her workout routine even during the lockdown. However, at home, her workout is limited so she shared an old video of herself sweating it out in the gym. Her workout partner at home being her brother Ibrahim Ali Khan, they are sometimes accompanied by their furry friend, Fluffy Singh. She recently posted a throwback video on her Instagram where she’s seen doing pull ups like a pro!

Sara captioned the video as, “Don’t pray for lighter burdens ???? Work for a #stronger back ????️‍♂️???? Wake up #determined , sleep #satisfied ????????✌???????????? Don’t allow yourself to crack ???????? And if you stop or fail or fall ????✋ Just get right back on track ✅???????? #flashbackfriday”.

Take a look at it.

 

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A post shared by Sara Ali Khan (@saraalikhan95) on May 8, 2020 at 1:15am PDT

Also Read: Sara Ali Khan misses working, sticks to her current multiple roles

No matter how many years pass by, Madhuri Dixit will always be remembered as Bollywood's Dhak Dhak girl. Not everyone is as blessed with their moves as she is, and she remains a true dance icon for today's actors. And now we know, she had a thing for dance right from her childhood.

The actor took to Instagram to share a throwback photo from her school days, wherein she is seen performing on the stage with her sister. "This is one of my favourite memories that I have with my sister. We used to always take part in school competitions. Here's sharing a #MajorThrowback childhood memory with my favourite dance buddy. Let me know what is your favourite childhood memory! P.s. Can you tell us apart?," she wrote.

 

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This is one of my favourite memories that I have with my sister. We used to always take part in school competitions. Here's sharing a #MajorThrowback childhood memory with my favourite dance buddy❤️ Let me know what is your favourite childhood memory! P.s. Can you tell us apart?

A post shared by Madhuri Dixit (@madhuridixitnene) on May 7, 2020 at 10:27pm PDT

The two them look almost identical in the photo, and it is indeed difficult to differentiate. Madhuri has two sisters namely Rupa Dixit and Bharati Dixit, but she did not mention who among them is a part of this photograph.

Workwise, the actor was last seen in Karan Johar's 2019 production Kalank.

However successful a fashionista or a film-maker Karan Johar is, his children are his most difficult critics. From his choice of glasses to his choice of films, everything gets dismissed by twins Yash and Roohi, who also keep trolling their father quite mercilessly.

In a video shared by Karan on Instagram, he tries to turn an in-house entertainer for the kids and attempts to sing a song. Roohi is seen trying to switch on the music player while Karan tells her he will sing instead. However, the moment he starts singing, both the children plead him to stop and tell him he is giving them a headache. LOL! He does make a second attempt too, but has to give up after another round of discouragement comes in. Watch the hilarious video below.

 

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No appreciation for my singing #lockdownwiththejohars

A post shared by Karan Johar (@karanjohar) on May 7, 2020 at 11:49pm PDT

Arjun Kapoor came up with a fresh reason why the kids might have got a headache, and dropped the funniest comment. "U just wear simple clothes," he wrote. Well!

Karan's children have earlier brutally fat-shamed him, saying that he resembles an elephant. This one was mild in comparison!

Sanjay Dutt is an actor who has appeared in a great many numbers of films spanning across genres, thus time and again proving his adaptability to wear the mask of different characters. The actor has been in the industry for a very long time and has even been part of the transformation and evolution of the Indian film industry.

Of late, Bollywood has been going through a paradigm shift as the world of content has been brought to digital platforms. OTT platforms have opened up new avenues and make any genre of series or films available, just a click away, which has been benignant for the viewers.

Actor Sanjay Dutt comments on how he feels OTT platform can be beneficial for artists, he says, "OTT platforms are flourishing and have brought about so much variety in terms of content. They also enable artists to experiment with material and characters. If I get a script that excites me, I would love to foray into digital entertainment."

Sanjay Dutt is an actor who is enriched with the experience of the various characters he has played on-screen and it would be thrilling to see him make a debut on OTT platform. The actor shows interest in foraying into the world of digital entertainment so the audience can just keep their fingers crossed and wait to see what happens!

2020 is an immensely packed year for Sanjay Dutt as the actor will be seen in five big banner films namely, KGF: Chapter 2, Shamshera, Bhuj: The Pride of India, Torbaaz and Sadak 2. The actor will certainly ace the characters as he can slip into any character given to him as he is rich with the experience of numerous characters he has played on -screen.

On May 8, Amitabh Bachchan remembered two late actors - Irrfan Khan and Sridevi. He took to social media to share stills from Khuda Gawah and Piku as the films complete 28 years and 5 years respectively. Both Sridevi and Irrfan Khan have been two of the finest actors of the film industry and left the world a little too soon.

The Shahenshah actor took to Instagram and shared a collage of a still from both films. Sharing the picture, he wrote, “28 years of KHUDA GAWAH .. 5 years of PIKU .. today 8th May .. and in remembrance of the two that have left us.”

 

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28 years of KHUDA GAWAH .. 5 years of PIKU .. today 8th May .. and in remembrance of the two that have left us ????

A post shared by Amitabh Bachchan (@amitabhbachchan) on May 8, 2020 at 10:27am PDT

Amitabh Bachchan even took to his blog to share some memories of the films. “28 years of Khuda Gawah .. 5 years of Piku .. vivid as ever .. alive in memory .. lost in the remembrance of the two from there .. exceptional in presence and talent .. and leaving at such short presence .. But a third too from Khuda Gawah .. the director Mukul S Anand .. left too early .. the magic of his vision .. his eyes were magical camera lenses .. even after this large interval the frames he did were extraordinary .. Khuda Gawah .. the shooting in Afghanistan .. a book shall be required to describe that detail .. hopefully some day ..” he wrote talking about Khuda Gawah.

Remembering Piku in which he shared screen with Irrfan Khan and Deepika Padukone, he wrote, “.. and Piku .. each day spent in the delight of inventing, ad libbing .. making that which has not been written or described , but felt .. doing that which even during the early working days at Calcutta were never done .. cycling the streets ..”

ALSO READ:  Abhishek Bachchan shares fond memories of traveling with Amitabh Bachchan for live stage shows

Kal Penn who played Irrfan’s son in The Namesake can’t get over the loss. “Irrfan was such an incredible artist. What a loss. It was magical. He was so gracious and giving as an artist and a person.”

Not many know about Irrfan’s wicked sense of humour. Says Kal, “He could be so funny! He had a wonderful sense of humor and I remember his approach to the craft being particularly warm.”

Kal recalls Irrfan as an actor sheared of vanity. “He was friendly. Friendly and down to earth. There was never any attitude with Irrfan, he was so comfortable in his own skin and so fully and truly embodied his character when the cameras were rolling.”

But what according to Kal really made Irrfan special was the way he embraced silences. “I've never worked with an artist who communicates so beautifully without needing to speak. When we would shoot scenes for The Namesake, so often, Irrfan would play beat after story beat with intimacy and in silence that made me immediately at ease and in the moment.”

Kal Penn learnt a lot from watching Irrfan not only while they worked together but also when they didn’t work together. “I learned a lot from working with Irrfan but also from watching him work across different mediums, different languages, and different continents. I will always admire his work more broadly, and to have had that kind of range is so remarkable.”

Kal will remember Irran as an actor who at once no one and everyone. “He was such a commensurate artist whose performances are simultaneously intimate and reflect the humanity in each of us.”

Also Read: 5 Years Of Piku: Deepika Padukone bids farewell to Irrfan Khan with an unseen picture

A day back, Deepika Padukone and late Irrfan Khan's film Piku completed five years. Irrfan's demise is still being mourned by his friends, colleagues and fans. Deepika took to Instagram to share a video of herself playing tennis with the actor. "Please come back," she wrote.

The video was taken on the sets of Piku. Deepika, who had a deep fondness for Irrfan like all of us, earlier paid a tribute to him with the song 'Lamhe Guzar Gaye', from the same film. Along with that, she also shared a throwback photo from the sets.

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please come back!???? #irrfankhan

A post shared by Deepika Padukone (@deepikapadukone) on May 8, 2020 at 8:27pm PDT

Irrfan, who was battling cancer for the past two years, spent half of this time in London, getting himself treated. Despite not being in the best of health, he shot for Homi Adajania's Angrezi Medium, which also remains his last theatrical release so far. Irrfan breathed his last on 29th April, at a Mumbai hospital and is survived by wife Sutapa Sikdar and two sons.

For all of you who do not know, Sara Ali Khan happened to be a great student throughout her school and college days. An alumna of Columbia University, she originally wanted to go to Oxford University to pursue her higher studies, and had a difficult time coping when she did not crack through!

In a conversation with Bollywood Hungama, the actor opened up on being disheartened after the university rejected her candidature. She also recalled how she called mother Amrita Singh and nearly threw a fit. "Mom had gone out with Ibrahim, and suddenly she gets a call from me, howling. And when I mean howling, I don't mean crying in a lady-like fashion. I mean screaming, and crying loudly. She was like, 'what happened? what's going on?' I could not stop crying," she said, adding how her mother got really worried and kept asking her what went wrong. After calming herself down and breathing a little, she informed her mom that she was rejected by Oxford University.

For those uninitiated, Sara's grandfather Mansoor Ali Khan Pataudi was quite a scholar who studied Arabic and French at Oxford's Balliol College. Sara's aunt Soha Ali Khan went to the same college to study modern history.

Love for Oxford certainly runs in the family!

A non-invasive system being developed by EU-funded researchers could make radiotherapy a safer and more-effective treatment for cancer patients by creating a visual dosage map of the tumour and the surrounding healthy tissue.

Time is an illusion, breakfast time doubly so. In future, human workers might not be alone in experiencing frenetic mornings thanks to EU-funded researchers who have equipped robots with human-like time perception capabilities – and tested them in the kitchen.

An EU-funded project is developing software designed to prevent, detect and act on cyberattacks on smart meters in big infrastructure installations, boosting the security of our power supplies.

Metasurfaces can manipulate electromagnetic energy far beyond the limits of natural materials. An EU-funded project has developed a multifunctional and more accessible version that could enable easily programmable, smarter environments.

An EU-funded project has linked scientists with experts in industry to forge partnerships aimed at creating new products to improve the lives of people with dementia. The research is creating tools to help remind people with dementia to undertake the tasks critical to their daily lives.

By failing to properly take gender interactions into account in research we are limit-ing today's science. EU-funded research is revealing how economic trends affect genders differently, as for example in the COVID-19 crisis. It is also looking at how the interaction between genders impacts macroeconomic trends.

Manchester United star Paul Pogba said he is eager to return from a lengthy spell on the sidelines when football resumes following the coronavirus pandemic. The World Cup winner has been limited to just eight appearances for United this season after battling a nagging ankle injury.

"I'm already training and touching the ball," Pogba, who hasn't played since December 26, told the United Podcast. "I've been frustrated, a long time ago. Now I'm almost there, so I'm just thinking about getting back and training fully with the team and everything." "You think bad but I've never had something like this in my career, so I always take it in a good way. It makes me more hungry to come back and do well. And, yeah, it just shows me as well how much I love football." Pogba's agent Mino Raiola has hinted the 27-year-old could leave Old Trafford if he is unhappy at the end of the season. However, the Premier League has been put on hold indefinitely due to the spread of the deadly virus.

"You have to be very patient because, well my injury, I don't know if people really know what happened," Pogba added. "So I had a foot injury, which came in the game against Southampton. It was early this season and so I carried this for a long time, training and trying to be playing with it. After I stopped, I found I had a fracture. "I had a cast on it, a plaster-cast, so it went very well but too well. The bone got bigger and so, when I came back again, I played those two games against Watford and Newcastle, I could feel something again. "So I had to have an operation and now here I am. I don't feel anything and, hopefully, I'll be back very soon."

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Crystal Palace manager Roy Hodgson has warned against "artificial means" of deciding the Premier League. In a statement to the London club's supporters, which saw the former England boss thank health workers and all those trying to combat the coronavirus, the veteran former England manager insisted there was widespread support for playing the 2019/20 season out to a finish. "Everyone is in total agreement we need an end to this season," wrote Hodgson.

"We don't want artificial means of deciding who wins the league, who gets into the Champions League, who gets relegated and promoted." His letter came after UEFA, European football's governing body, warned a failure to complete domestic leagues could see clubs excluded from continental competitions next season. Hodgson said players who, in common with the rest of the British population, are currently in lockdown would ideally like three to four weeks' preparation before playing a match again.

But the 72-year-old added: "I accept there may have to be a squeeze on that time-frame." The Premier League has been suspended until April 30 at the earliest, with further delays looking likely. League leaders Liverpool, one of Hodgson's former clubs, are a huge 25 points ahead of second-placed Manchester City, with nine games to play and need just two more wins to be certain of their first English championship in 30 years. Palace are currently safely in mid-table, with the Eagles 12 points clear of the relegation zone.

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Former Arsenal manager Unai Emery's ex-girlfriend Sacha Wright, 35, has told British tabloid, The Sun that he blamed her for his sacking last year.

Unai, 48, who joined Arsenal on May 2018 on a two-year deal, was sacked by the team management in November last year, following a poor run. Sacha claimed that Unai called her a "white witch" and blamed her for his team's failure.

"I trusted Unai and believed we would get married and have kids. I thought he was a gentleman and a family man. But in the end I realised he was not ready for a serious relationship," said Sacha, who first dumped Unai in September only to take him back in December.

"It was then that he blamed me for getting him the sack. He said I was a white witch as I brought him bad luck. He said the team began losing the day we broke up," said Sacha, who finally left Unai in March.

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Former FC Barcelona captain Xavi Hernandez admits that one day he would like to return to coach the Catalan giants. Xavi is currently in charge of Qatari club Al-Sadd and in January rejected the chance to replace the sacked Ernesto Valverde at the club. However, in an interview on YouTube, he admitted that his ambition is to coach in the Camp Nou, Xinhua news reports."

"Now I have tried as a coach, I think I'm able to do it and it is a dream to be able to return to Barcelona." "I have said it many times, that I consider Barcelona to be my home and my life," he said.

"I am learning a lot here in Qatar and although saying I want to coach Barca is a big statement and you have to be properly prepared in order to do so, it is a process and I hope one day to get there," commented Xavi, who added that for the moment he was content living in Qatar.

Earlier, six FC Barcelona board members stepped down and told president Josep Maria Bartomeu they are not pleased at how the club is being managed.

According to a BBC report, the six board members expressed their concern over the financial implications in a joint letter amid the coronavirus crisis.

"We have arrived at this point because we cannot reverse the way the club is managed in the face of important challenges in the future, especially in the post-pandemic era," the six said in their letter as quoted by BBC.

"We also want to show our displeasure over the unfortunate episode about the social media accounts, known as 'Barcagate', which we learned about through the press.

"As our last act of service to the club, we recommend that elections are called as soon as circumstances permit so that the club can be managed in the best way possible and deal with the important challenges of the immediate future."

In response to the resignations, Barca said they have come about "due to a reorganisation of the board put forward by Bartomeu and which will be completed in the next few days".

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Asia's top football competitions will go ahead this year despite the coronavirus pandemic, a senior official told AFP, although games may have to be played behind closed doors. Windsor John, general secretary of the Asian Football Confederation (AFC), said he was confident that the AFC Champions League and AFC Cup would both be completed. Both tournaments, featuring teams from throughout Asia, Central Asia and the Middle East, are on hold until at least the end of June after COVID-19 shuttered professional sport worldwide.

"Both will be played this year. We still have time," John told AFP, adding that new dates for the competitions may be known by the end of April. However, John did not rule out matches being played without fans "if that's what the health authorities need". The AFC is determined for both tournaments to go ahead "for sporting reasons and to fulfil commercial obligations", he said. His comments came after the AFC on Tuesday announced the indefinite postponement of all matches scheduled for May and June due to the virus.

The Champions League, the region's premier club competition, and the second-tier AFC Cup were both halted in March as the pandemic's spread forced governments to impose strict travel restrictions. Both tournaments are on an increasingly tight schedule, with the 32-team Champions League needing to complete four rounds of group-stage matches in July before the postponed knock-out phase begins in August.

The group phase of the AFC Cup will also have to be completed in a rush once matches resume. The finals for both tournaments -- which traditionally take a break in July, to avoid the worst of the Asian summer heat -- are scheduled to take place in November. Domestic leagues remain on hold around the world, including in China where the virus first emerged, but where football shows no sign of returning despite optimism the outbreak is under control.

Asia's extended shutdown, announced on Tuesday, also affects the two-legged women's Olympic qualifying play-off between China and South Korea, which had already been moved to June 1 and 9. June qualifiers for the men's 2022 World Cup and 2023 Asian Cup had been postponed before the AFC's announcement on Tuesday. Asian football was an early sporting casualty of the coronavirus pandemic, before competitions in Europe -- including Euro 2020 -- and the rest of the world were also affected.

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Football coach Priya PV, who guided Gokulam Kerala FC to the Indian Women's League title, is currently assisting relief operations in the Coronavirus-caused lockdown through a helpline centre which provides medicine and food to the needy. Priya has joined the same helpline centre in Kannur, where India and Jamshedpur FC attacker CK Vineeth has been working. The biggest challenge for them at the centre is to make sure that all requests for medicines are met.

"We have been getting around 150-200 calls every day. Most of these are for medicines. We make sure that whenever we get any requests for medicines, they are duly sent to those in need," said Priya, who had earlier coached India U-19. "No requests for medicines are ever turned down. We try to do the same for grocery and food items as well. But sometimes we have to keep in mind that we have to distribute such items among a lot of people. So we try to divide it for everyone to get some amount," she added. The call centre also attends to requests from students and other professionals from around the area.

Kannur being the headquarters of the helpline centre, Priya and Vineeth also get a number of calls from the nearby districts, where tertiary networks have been set up to help the people. "We are working from the headquarters in Kannur. There are tertiary helpline centres in different districts as well who have their own network of pharmacists, grocers, and delivery executives," said Priya, who won the IWL 2019-20 title as head coach of local club Gokulam Kerala FC.

"My ancestral home is a bit far from the call centre, so I am staying at a place that is close by. Initially, I wanted to go to my ancestral home every weekend, in order to make sure that my parents have all they need during the lockdown," she said.

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Portuguese football star Cristiano Ronaldo visited his boyhood club Nacional in Madeira recently and shared pictures of the experience on social media. Unlike other parts of the world, Portugal is not in complete lockdown due to the Coronavirus pandemic, so Cristiano, who is currently at home in Madeira anyway, did not breach any regulations for this local trip.

Cristiano played for second-tier side Nacional as a junior (1995-1997) before moving to Sporting Lisbon. In one of the pictures (above) Cristiano, 34, posted to his 213 million Instagram followers, he is seen standing next to a trophy cabinet which includes photographs of himself during his younger days. "It's always good to come back home @CDNacional," he captioned his post. Nacional were quick to reply, saying: "You're always welcome in your home."

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Liverpool's star footballer Mohamed Salah, 25, has donated a huge amount of money besides food to families in his hometown of Nagrig, a village in the Egyptian city of Basyoun, to help in the battle against the Coronavirus pandemic.

According to a report in British tabloid, The Sun, the Egyptian footballer sent supplies to poverty-hit residents along with some advice on how to stay safe from the virus.

Salah Ghaly, the Liverpool striker's father, said that the village has been sanitised and residents have been given facemasks to prevent the spread of the virus, which has already killed 205 people in the North African country. It is believed that the total amount donated by the Liverpool star is around £405,000 (R3.8 crore).
Mohamed is currently in lockdown like the rest of the UK, where the death toll has crossed 15,000.

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Manchester City striker Sergio Aguero has been using some of his spare time in lockdown to teach British kids how to speak Spanish.

The Argentina international has been signed up by the BBC as part of its home-schooling initiative while educational establishments are closed during the coronavirus pandemic. Aguero is teaching kids how to count in Spanish. His lessons became available on a day kids in Britain would have usually returned to school after the Easter holidays.

Aguero says it's a tough time for children at the moment, and also for parents trying to keep them focused on their education from home. Aguero hasn't played a competitive match since March 8 because soccer is shut down in England and across most of the world during the outbreak.

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Indian Super League (ISL) side Kerala Blasters on Wednesday appointed Mohun Bagan's I-League winning coach Kibu Vicuna as their head coach for the upcoming season. This came hours after the franchise announced that it has parted ways with Eelco Schattorie after one season at the helm of affairs. "We are happy to announce that Kibu Vicuna will take over as head coach for the upcoming season!" Kerala Blasters said in a tweet. Spain's Vicuna oversaw Mohun Bagan win the title with four rounds to spare. The league was suspended midway due to the COVID-19 pandemic and later had to be called off with Mohun Bagan declared champions.

Mohun Bagan have merged with ATK to enter the ISL from next season with Antonio Lopez Habas, who coached ATK to their record third title, in charge of the combined outfit. Dutchman Schattorie was in charge of the Kochi-based outfit in the ISL 2019-20 and could only guide the club to a poor seventh-place finish. "Kerala Blasters FC have parted ways with the Head Coach, Eelco Schattorie. We'd like to thank Eelco for his efforts and services during his tenure and wish him the best for the future," Kerala Blasters had tweeted earlier in the day.

The 48-year-old first landed on Indian shores when he took over Kolkata-based Prayag United back in 2012. He went on to win the IFA Shield and guided the team to a fourth-placed finish in the I-League. After serving as the head coach for Kolkata giants East Bengal for the 2015 season, he joined Avram Grant's NorthEast United setup for parts of the 2016 ISL season, before taking over as head coach for the 2018-19 campaign.

In his very first season as a head coach in the ISL, Schattorie showcased immense tactical guile and took Guwahati-based NorthEast United to the semi-finals for the first time since the club's inception, before being knocked out by eventual champions Bengaluru FC. After leading the NorthEast United to their best-ever campaign in the club's history, Schattorie replaced Nelo Vingada as the Kerala Blasters head coach heading into ISL 2019-20.

The Dutchman, however, could not replicate the same success in Kerala which he had achieved with the NorthEast United as several factors came into play. A host of recurring injuries to key players, including a season-long one to stopper Sandesh Jhingan, severely handicapped Kerala's campaign as they finished seventh on the table with 19 points from 18 matches.

Despite not making the top four, Schattorie's Kerala side found a lot of admirers for their free-flowing attacking style of football.

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João Félix exploded onto the scene at Benfica in 2018 before a huge summer move to LaLiga with Atlético de Madrid. Here are five things you may not know about the Portuguese superstar...

1. His idol while growing up was Kaká
The similarities between the two are clear, both in playing style and appearance… brothers, anyone? But what isn’t so known is that Kaka was actually one of Joao Felix’s biggest idols growing up: the young Felix has spoken of watching YouTube video after YouTube video of the former World Player of the Year. The 20-year-old has also named Portuguese legend Rui Costa among his other inspirations while growing up.

2. Both his parents are teachers
Carlos and Carla, Joao’s parents, are both physical education teachers and he credits them with keeping him centred growing up. He has explained in interviews that his father would give him pep talks before matches and helped him stay focused during his teenage years; at the age of just 13 years he moved away from home to FC Porto’s academy, before later making the move to the capital with Benfica.

3. His first hat-trick in the Europa League was record-breaking
In April 2019, Joao hit the headlines across Europe with a stunning performance for Benfica in a Europa League match against Eintracht Frankfurt. By scoring three times in a 4-2 victory, he became the youngest ever player to score a hat-trick in the Europa League, doing so at the age of just 19 years and 152 days. That broke the previous record set by Marko Pjaca in 2014.

4. Diego Costa has taken him under his wing
From the start of pre-season, Joao and Diego Costa have forged a strong relationship. Costa is known to be a leader in the Atlético de Madrid dressing room and he quickly took the new arrival from Benfica under his wing, spending a lot of time with him and partnering with him in various drills. Both players are native Portuguese speakers, and this has helped the youngster settle in. Perhaps it’s no coincidence that it was Costa who assisted Joao’s first official goal for Atleti, against Eibar back in September.

5. His brother Hugo is also a highly rated prospect
Hugo Felix, João’s 16-year-old brother, is also highly rated and is doing well at Benfica’s academy. João was even able to celebrate goals with his brother last season, as Hugo was a ball boy at the Estádio da Luz on some matchdays. One particular goal that he scored against Vitória Setúbal ended with an emotional embrace between the siblings.

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Subimal "Chuni" Goswami came for a routine check-up to a city hospital on Thursday morning and by evening he had suffered three cardiac arrests in 14 minutes to breathe his last and end an era, his son said.

"He had breakfast. Then we got him to the hospital. He was brought here for a routine check-up. He had lunch and even took a nap in the afternoon. But around 5 p.m., he suffered three heart attacks in 14 minutes," said a crestfallen Sudipto.

Goswami, who died at the age of 82, is survived by his wife and Sudipto.

Goswami was also battling underlying ailments, including sugar, and prostrate and nerve problems.

Goswami had to be given insulin daily and due to the COVID-19 lockdown, his medical supervisor was not able to attend to him on a regular basis.

"I don't have words at this point, feeling lonely," said Sudipto.

Goswami's biggest achievement was captaining India to the 1962 Asian Games Gold medal when India scripted a historic 2-1 victory against South Korea (Korea Republic) in the final to land India its second gold medal in Asian Games history.

Besides two editions of the Asian Games, Goswami was also part of India's Olympic squad in the Rome Olympics in 1960. He also captained India to the final of the AFC Asian Cup in Tel Aviv in 1964 and was part of India's campaign in the pre-Olympic qualification in 1959 (in Kabul), 1960 (in Kolkata and Jakarta), 1963 (in Colombo as captain), and in 1964 in (Tehran and Calcutta).

Goswami won the Arjuna Award in 1963 and was conferred the prestigious Padma Shri Award in 1983.

The versatile sportsman that he was, he also represented Bengal in the Ranji Trophy and even captained Bengal in 1968-69 season. He also played for East Zone in the Duleep Trophy. His first-class career as a cricketer ended after 46 matches and he scored 1,592 runs, including a century.

He also served the Tata Football Academy as its director and was appointed the Sheriff of Kolkata in 2005. In the same year, he was awarded the Mohun Bagan Ratna and was bestowed the Banga Bibhusan in 2013.

The Indian postal department also honoured Goswami with a commemorative stamp on his 82nd birthday earlier this year.

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Former Manchester United defender Patrice Evra has said he received death threats following a racism row involving then-Liverpool forward Luis Suarez in 2011. Uruguay striker Suarez was banned for eight matches by the English Football Association after being found guilty of misconduct for insulting comments to Evra, which included a reference to the left-back's skin colour, at Anfield in October that year. Liverpool, however, mounted a prolonged and public defence of Suarez's conduct as the row between the rival clubs escalated.

Evra said one consequence of the backlash included letters threatening the Frenchman and his family. "Manchester United received so many threatening letters about me," Evra told the club's UTD podcast. "People said: 'We're in jail, we're Liverpool fans. When we get out, we're going to kill you and your family'." Evra said the nature of the threats meant he had to be protected by bodyguards.

"For two months, I had security everywhere I went. They were sleeping in front of my house. Everywhere I went, the security followed me. "It was a tough time, but I wasn't scared. My family were scared: my wife and brother, but I wasn't. "I couldn't understand why people hated me so much. They didn't know the truth." Evra, who saw his attempt to shake hands with Suarez before a match the following February rebuffed by the striker, said he had forgiven his old antagonist and even spoke to the now Barcelona star before the 2015 Champions League final when playing for Juventus.

But it was a very different story at the time , which saw Evra forcing himself to control his emotions after reporting the incident to match referee Andre Marriner, who said it would be dealt with after the game and that both players should continue.

"I remember, during that game, I was talking to myself saying: 'If you punch him now, people will see you as the bad one, people will forget about what he said'," recalled Evra. "I was talking to myself: 'Don't do... do it...' I wasn't focused for the game."

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Algeria international Farid El Melali will be tried for indecent exposure after allegedly masturbating in public, AFP learned on Tuesday on the Angers winger's 23rd birthday. El Melali was questioned by police in Angers late on Monday after his neighbours claimed they caught him exposing himself in front of a building where a woman was staying.

The forward admitted to police to having an "inappropriate attitude", according to his lawyer Sandra Chirac-Kollarik, and thought he was alone in the courtyard of the building. "He wasn't targeting anyone, and wasn't aggressive towards anyone," Chirac-Kollarik said. The public prosecutor's department said El Melali had committed a similar act in April but the same victim was unable to identify the individual.

El Melali, who signed a new contract with the Ligue 1 club on Monday, was released but will face trial in terms of an appearance prior to an admission of guilt. His side, who he joined in August 2018, said they had taken note of his situation and added they "would wait for the decision." In February, the outfit from western France's president Said Chabane had been questioned for "aggravated sexual aggression" following accusations from within the club.

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The virtual war between WAGs Rebekah Vardy, 38, and Coleen Rooney, 34, is far from over. It is learnt that Rebekah, wife of Leicester City footballer Jamie Vardy, wants a public apology from Coleen, the wife of former England captain Wayne Rooney, for accusing her in October of leaking fake stories to the press via social media.

While both ladies are currently locked in a legal battle, it is learnt that they will have an arbitration meeting on Zoom this week in a bid to avoid a costly court case, reported British tabloid, The Sun.

"Becky [Rebekah] is adamant she's done nothing wrong and has told her team she wants a public apology," an insider told the newspaper. "She was hurt that Coleen went straight on social media to lay the blame at her door, rather than speaking to her privately. She has maintained her innocence throughout and doesn't want this to be brushed under the carpet without Coleen publicly apologising," added the source.

The two used to be good friends before Coleen claimed in October that Rebekah's Instagram account had been leaking false stories to the press. Subsequently, Rebekah endured a lot of abuse on social media.

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There’s many former LaLiga stars currently using the experience and skills picked during their time in Spanish football in managerial and coaching careers all around the world. The list is almost unrivalled: Pep Guardiola (Manchester City), Zinedine Zidane (Real Madrid), Diego Simeone (Atletico de Madrid), Mikel Arteta (Arsenal), Rafa Benítez (Dalian Pro), Xavi Hernández (Al Sadd), Míchel (Pumas UNAM), ‘Guti’ (UD Almeria), Raúl González (Real Madrid Castilla), Van Nistelrooy (PSV U19), Unai Emery, Mauricio Pochettino, Quique Sánchez Flores, Laurent Blanc, Ernesto Valverde, Mark van Bommel, Aitor Karanka, Clarence Seedorf… but here are five more with very special stories.

1. Giovanni Van Bronckhorst – FC Barcelona to Feyenoord

All the lessons learned winning two LaLiga titles with FC Barcelona in the early 2000s as an attack-minded left back have definitely proved useful for Giovanni Van Bronckhorst’s coaching career. The former Netherlands international became first team coach in summer 2015 at Feyenoord, the Rotterdam club where he started and finished his playing career. His first season brought the KNVB Cup trophy, while the following year he led the club to its first Eredivisie title in 18 years, a historic achievement. Last January he was announced as manager of Chinese club Guangzhou R&F.

2. Jonathan Woodgate - Real Madrid to Middlesbrough

Jonathan Woodgate’s spell at Real Madrid famously did not get off to a great start, with an own goal and red card on his LaLiga debut. However, when fit and available the classy defender made a valuable contribution to Los Blancos 2005/06 campaign, with the team keeping seven clean sheets in his eight other games. The following summer he joined hometown club Middlesbrough, where he also returned after hanging up his boots to begin his coaching career in 2017. Last summer, Woodgate was named first team manager at Boro, and he took December’s Championship Manager of the Month award.

3. Jordi Cruyff - Camp Nou to Ecuador

Son of Barcelona legend Johan Cruyff, Jordi made his LaLiga debut in September 1994 against R. Sporting. The winger or attacking midfielder scored 22 LaLiga goals across spells at FC Barcelona, RC Celta, RCD Espanyol and most successfully D. Alaves, where he helped the Basque club reach the 2001 UEFA Cup final only to lose 5-4 in agonizing fashion to Liverpool. Cruyff also represented Manchester United, Metallurg Donetsk and the Netherlands national team [nine senior caps] during his playing career. He has since worked in Malta, Cyprus, China and Israel, where he oversaw three consecutive league titles as sporting director at Maccabi Tel Aviv. In January 2020 he was appointed Ecuador senior international manager.

4. Diego Forlan - Pichichi to Peñarol
One of the very few players in history to have won LaLiga’s Pichichi top scorer prize with two different clubs, Diego Forlan clinched it at Villarreal CF in 2004/05 and Atletico de Madrid in 2008/09. A strike rate of 128 goals in 240 LaLiga games counts among the very best. A long playing career also brought goals scored in England, Italy, Brazil, Japan and Hong Kong, and appearing at three World Cups and a 2011 Copa America triumph during 112 caps for Uruguay’s senior team. In December 2019, Forlan returned to his former Uruguayan club Peñarol to start his managerial career.

5. Fabio Cannavaro – Santiago Bernabeu to China

2006 was quite a year for Italian defender Fabio Cannavaro, who won the World Cup in Germany, signed for Real Madrid and was then awarded the Ballon D’Or. Cannavaro won two LaLiga titles during his three years in the Spanish capital, where he continued a strong relationship with mentor Fabio Capello. His first managerial job was at Dubai club Al-Ahli, where he won UAE Pro League and UAE League Cup titles. He also won the China League One title with Tianjin Quanjian, guided Guangzhou Evergrande to the Chinese Superleague title last year, and even took charge of the China national team for a time in 2019.

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The Spanish football league is all set to resume in June and La Liga's India managing director Jose Antonio Cachaza has revealed that they will resort to maximum testing of players to allay any fears of them contracting COVID-19.

Spain is one of the worst hit countries with around two lakh COVID-19 cases till date.

Most La Liga teams have been allowed to return to training this week after the government eased lockdown restrictions. However, the fear of contracting the Coronavirus is widespread, said Cachaza, for which a four-phase de-escalation programme is being introduced to ensure all players are free of the infection.

"The current week is only for testing of the players and preparing the grounds," Cachaza said in an online media interaction from Spain.

Jose Antonio Cachaza

"Once players are fit to play, we will disinfect the venues. All matches will be played behind closed doors with a maximum of 250 people to avoid any unwanted situation," he added.

When asked what happens if a player tests positive once the season starts, Cachaza said: "That can always be the case. If you see the Bundesliga, they are about to start their season but still have positive cases. We will be ensuring testing at regular intervals as well to keep a check on players." Unlike the English Premier League and the Bundesliga, the La Liga is yet to finalise on a date to resume the season as Cachaza said they are awaiting authorisation from the Spanish government. "We are in constant talks with the government and as of now, we have authorisation to only start with training. Next week, the players will be allowed to train on their own, with a maximum of six players on the pitch. The following week [May 18 onwards], players will be permitted to train in small groups before a return to larger team sessions,"2020-05-08 Cachaza explained.

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Manchester City's Kyle Walker says he is being "harassed" after admitting he breached coronavirus lockdown rules to visit his sister and parents. The defender was forced to issue an apology last month after media reports that he had hosted a party at his home. But Walker has hit back at the latest stories, insisting that he is being targeted and that the ongoing controversy is affecting his family's health.

In a statement on his official Twitter feed, Walker wrote: "I have recently gone through one of the toughest periods of my life, which I take full responsibility for. "However, I now feel as though I am being harassed. "This is no longer solely affecting me, but affecting the health of my family and my young children too." Walker admitted contravening coronavirus regulations again by visiting Sheffield to see his sister and his parents -- for which he could be fined and cautioned by police.
"In relation to the events on Wednesday, I travelled to Sheffield to give my sister a birthday card and present, but also to speak to one of the few people I believe I can trust in my life," he said.

"She hugged me to remind me that she cares and that I am loved. What am I meant to do -- push her away? "I then travelled to my parents' house to pick up some home-cooked meals. Again, it's been an extremely tough couple of months for them." He criticised the media for invading the privacy of his family, saying he constantly felt he was being followed.

Aston Villa's Jack Grealish was forced to apologise in March after breaching lockdown rules, while Everton strongly criticised Moises Kean for hosting a party last month.

Walker said the response to his actions had been disproportionate, raising mental health concerns and saying his family had been "torn apart" by the continuing scrutiny.

Catch up on all the latest sports news and updates here. Also download the new mid-day Android and iOS apps to get latest updates.

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This story has been sourced from a third party syndicated feed, agencies. Mid-day accepts no responsibility or liability for its dependability, trustworthiness, reliability and data of the text. Mid-day management/mid-day.com reserves the sole right to alter, delete or remove (without notice) the content in its absolute discretion for any reason whatsoever

Last month, during the promotions of his flick MISSION MANGAL, Akshay Kumar made a startling revelation. He said that he believes that success depends on 70% luck and 30% hard work. His statement surprised many but the fact is that many around the world of different nationalists, communities and even class believe a lot in luck and the concept of lucky charm. No wonder, the business of numerologists and astrologists is thriving. Anuja Chauhan’s novel ‘The Zoya Factor’ tackles this idea and it was written so well that it became a bestseller. The rights were soon picked by Shah Rukh Khan’s Red Chillies Entertainment but the production house failed to make the film within the stipulated period. Aarrti Shetty and Pooja Shetty Deora then bagged the rights and turned the novel into celluloid, while keeping the title of the film the same as the book. So does THE ZOYA FACTOR turn out to be as entertaining as the novel? Or does it fail to impress? Let’s analyse. <img class="aligncenter wp-image-1020460 size-full" title="Movie Review The Zoya Factor" src="https://www.bollywoodhungama.com/wp-content/uploads/2019/09/Movie-Review-The-Zoya-Factor.jpg" alt="Movie Review The Zoya Factor" width="750" height="450" /> THE ZOYA FACTOR is the story of a girl who considers herself unlucky but is the lucky charm for the country. Zoya Solanki (Sonam K Ahuja) is born on June 25, 1983, the day India won the 1983 Cricket World Cup final. Her father Vijayandra Singh Solanki (Sanjay Kapoor) declares that she’ll prove beneficial for the cricket team, having born on such an auspicious occasion. While growing up, Zoya indeed turns out to be a lucky charm for Vijayandra and her brother Zorawar (Sikandar Kher) when they used to play Gully Cricket. As an adult, Zoya however considers herself unlucky. The madness that her family members have for cricket makes her dislike the sport. She works as junior copywriter at an ad agency called AWB and is constantly making mistakes, much to the annoyance of her boss Monita (Koel Purie). Monita sends Zoya on ad campaign comprising of the Indian cricket team in Sri Lanka and warns not to make an error in what she calls a small, simple shoot. Zoya reaches Sri Lanka and becomes friends with Nikhil Khoda (Dulquer Salmaan), the captain of the Indian team. This is a time when the players have lost back to back matches. The World Cup is just a month away and the pressure is killing them. On the day of their match in Sri Lanka, Nikhil invites Zoya to have breakfast with the players. Here, Zoya casually mentions about her date of birth and lucky charm bit. On that day, India miraculously wins the match. The players realise that she is indeed a lucky charm. They make flimsy pretext to stop her from going back to India and try to get her to have breakfast with them for the next match. As expected, they win again. Nikhil however doesn’t believe in luck and The Zoya Factor and feels that it’s hard work that works. Yet he can’t help but fall for Zoya who too is in love with him. Meanwhile, the Indian Cricket Board's Jogpal Lohia (Manu Rishi Chadha) comes to know about Zoya. He approaches her with an offer – dine with the boys in blue before every World Cup match and get paid Rs 1 crore! Zoya however refuses the offer. Jogpal realises that they need Zoya anyhow and hence, they hand over the World Cup campaign to AWB with instructions that Zoya should be leading it. Jogpal is also aided in this plan by his nephew Robin (Angad Bedi) who is also in the team and is Nikhil's rival. He wants to see Nikhil being removed from captaincy and he uses Zoya for his ulterior motive. What happens next forms the rest of the film. THE ZOYA FACTOR is based on the novel by the same name by Anuja Chauhan. The story has a lot of promise and is also relatable. A lot of people believe in luck as well as are cricket fans and hence in a country like ours, such a story can connect with the viewers. Pradhuman Singh Mall and Neha Sharma's screenplay (with additional screenplay by Anuja Chauhan) is effective for most parts. They don’t make the film too emotional even at a single point. The idea is to keep the film light and entertaining from start to finish. In a way, it’s great but at the same time, the film misses the emotional touch. Pradhuman Singh Mall and Anuja Chauhan's dialogues are very witty and contribute a lot to the laughter. The dialogues mouthed by the commentator are sure to be loved by audiences. <span style="text-decoration: underline;"><strong>The Zoya Factor Public Review | Sonam Kapoor Ahuja | Dulquer Salmaan | Abhishek Sharma | FDFS</strong></span> <iframe id="jwiframe" class="playerFrame" src="https://www.bollywoodhungama.com/videos/first-day-first-show/the-zoya-factor-public-review-sonam-k-ahuja-dulquer-salmaan-abhishek-sharma-fdfs/?jwembed=1" width="800" height="340" frameborder="0" allowfullscreen="allowfullscreen"></iframe> Abhishek Sharma's direction is decent. He has handled some scenes with élan but there were also scenes where he really rushed through the proceedings. But the creativity of his execution comes through in several sequences. The scene where it rains is one such sequence – the focus is on Nikhil returning to the pavilion while Zoya could be seen on the giant screen in the foreground. Also, he has used subtle hints to show that the film is set 9 or 10 years back. This is evident through the use of old mobile phones. The idea to not base THE ZOYA FACTOR in 2018 or 2019 makes sense as Zoya’s age is supposed to be not more than 26 or 27. Moreover, the product placements can be an eyesore in most films but here, it’s like an integral part of the film. The Cadbury Silk TVC, for example, is well woven into the narrative. THE ZOYA FACTOR has a very impressive commencement that gives an idea about the cricket and luck elements of the film. Shah Rukh Khan’s witty narration and the animated sequence adds to the fun. The initial scenes of Zoya are okay but the film gets better once she reaches Sri Lanka and interacts with the Indian team. The romantic track also has its moments. Two scenes stand out here – Zoya’s interaction with Nikhil in the elevator and Nikhil meeting Zoya’s family and family friends. Post-interval, the film slips a bit. Also, the film seems too quick at places. The World Cup sequence in the pre-climax and climax however revives the interest. The performances are great by all actors. Sonam K Ahuja suits the part to the T. One can’t imagine anyone else for this role and she does total justice, whether in the scenes of her being love struck or acting pricey or even acting mature and giving out some important lessons to Nikhil in times of need. Dulquer Salmaan is super-dashing but he also gets his act right. He’s totally into his character and convincingly seems the captain of the team. Angad Bedi gets a great part and also screen space and is fine as the baddie. Sikander Kher is the surprise of the film. His role might remind one of Prateik’s character in JAANE TU YA JAANE NA [2008] but his part stands out and Sikandar ensures that happens. One of his best scenes is when he offers tea to the very protestors who have come to vandalize his house! Sanjay Kapoor is a natural. Manu Rishi Chadha is fine and it’s good that he doesn’t overdo the lisping bit. Koel Purie is strictly okay. Pooja Bhamrrah (Sonali) looks quite glamorous and plays the supporting part well. From the other crickets, the ones who leave the mark are Abhilash Chaudhary (Shivi), Gandharv Dewan (Harry) and Sachin Deshpande (Lakhi). Shankar-Ehsaan-Loy's music is in sync with the film’s mood. <em>'Lucky Charm'</em> is the best of the lot followed by <em>'Kaash'</em> and <em>'Maheroo'</em>. <em>'Pepsi Ki Kasam'</em> is played in the end credits. Indrajit Sharma and Parikshit Sharma's background score (with additional background score by Kingshuk Charavarty) is dramatic and adds to the fun. Manoj Lobo's cinematography is suitable and the lensman does a good job in the cricket scenes especially. Theia Tekchandaney, Abhilasha Devnani and Gayatri Thadani's costumes are very appealing. The ones worn by Sonam especially are too good which was expected. Rajat Poddar's production design is rich. After Studios' VFX is quite good, although it’s a bit poor in some scenes. But overall, it’s a good job considering that quite a many scenes are shot against the green screen. Utsav Bhagat's editing gives the film a pacy feel but some scenes could have had a bit of slow, slow-motion effect especially in the finale. On the whole, THE ZOYA FACTOR is a feel-good popcorn entertainer that works chiefly due to concept, treatment, humour and performances. At the box office, it has the potential to grow dramatically due to a good word of mouth.

Nawazuddin Siddiqui is known for his intense roles and crime-infested films. But it’s a known fact that he has a great comic timing and if given an opportunity, can excel in such roles. After trying his hands in few such films in the past like FREAKY ALI [2016] etc, the versatile actor will now be seen in a similar space with MOTICHOOR CHAKNACHOOR. So does MOTICHOOR CHAKNACHOOR manage to entertain and give a good time to the audiences? Or does it fail to deliver? Let’s analyse. <img class="aligncenter wp-image-1041187 size-full" title="Movie Review: Motichoor Chaknachoor" src="https://www.bollywoodhungama.com/wp-content/uploads/2019/11/Movie-Review-Motichoor-Chaknachoor.jpg" alt="Movie Review: Motichoor Chaknachoor" width="720" height="450" /> MOTICHOOR CHAKNACHOOR is a love story of two neighbours. Anita aka Annie (Athiya Shetty) resides in Bhopal and her only aim in life is to marry an NRI and settle abroad. However when she meets prospective grooms, she makes her demand clear and moreover she is bigmouthed. As a result, she gets rejected and in some cases, she rejects when she finds out that the guy is not going to move to foreign shores. Meanwhile, Pushpender Tyagi (Nawazuddin Siddiqui) has just returned from Dubai after a hiatus. He stays with his family in the house next to that of Annie. Pushpender falls for Annie instantly but Annie doesn’t show interest. Just like Annie, even Pushpender wants to get hitched desperately. When an overweight girl agrees to marry him, he gives his nod though he doesn’t have feelings for her. Pushpender is 36 and he feels that he is way past the age where he can reject any girl. Hence he reluctantly accepts the proposal. Annie meanwhile gives up after rejecting and getting rejected. With no option in hand, her maternal aunt (Karuna Pandey) advises Annie to woo Pushpender. After all, even Pushpender works in Dubai, also a foreign place. Annie hence tries to serenade Pushpender. She tries to first break off his alliance with the overweight girl but her efforts prove futile. Thankfully for Annie, Pushpender’s mother (Vibha Chibber) calls off the alliance when the to-be-bride’s family refuses to pay dowry. Annie then straightaway tells Pushpender that she wishes to marry him. Pushpender is overjoyed but Annie is a bit reluctant as she can’t pay the kind of dowry that his mother is asking for. Pushpender promises Annie that he won’t ask for a single paisa and both get married on the same day! The families obviously are shocked but they relent eventually. Annie is extremely happy as her dream of marrying an NRI is fulfilled. However, Pushpender has a secret that can prove disastrous for Annie. What happens next forms the rest of the film. Debamitra Biswal's story is very simple and nothing great but has potential for a fine and entertaining script. The screenplay however is not consistent. There are scenes that are great but those are few and far between. Also, the first half has more interesting scenes than the second half due to which the post-interval portions aren’t that engaging. Bhupendra Singh's dialogues are very funny and clever, and raise laughs. Debamitra Biswal's direction has promise but falters due to several reasons. On the plus side, the setting looks straight out of life. The director has neatly explained the neighbourhood, the way the houses of Annie and Pushpender are next to each other. Some scenes are very well handled. On the flipside, the interest rises and falls throughout. Also, the second half portions are difficult to digest. Viewers are forced to accept that it’s Annie who was wrong for marrying Pushpender for the Dubai factor. Even Pushpender has hidden a fact about his employment which was also not acceptable at all. But Pushpender is not made a villain as such. Shockingly, in one crucial scene, he even slaps Annie. If that is not enough, then Annie’s father refuses to take her back in his house. One hopes that towards the end, both will profusely apologize to Annie for their behaviour. Shockingly, that never happens and only Pushpender says sorry, that too by writing a letter. Hence, it becomes difficult to root for such a character <span style="text-decoration: underline;"><strong>CRAZY FUN – Nawazuddin Siddiqui &amp; Athiya Shetty’s EPIC Quiz | Motichoor Chaknachoor</strong></span> <iframe id="jwiframe" class="playerFrame" src="https://www.bollywoodhungama.com/videos/celeb-interviews/crazy-fun-nawazuddin-siddiqui-athiya-shettys-epic-quiz-motichoor-chaknachoor/?jwembed=1" width="800" height="340" frameborder="0" allowfullscreen="allowfullscreen"></iframe> MOTICHOOR CHAKNACHOOR begins on a fair note. The setting and characters are well established. The situations seem comical but don’t really make viewers laugh. But after the initial 30-35 minutes, the film turns into a riot. The scene where Pushpender meets the overweight girl is well executed and written. Same goes for the scene where Pushpender is buying vegetables and gets confronted by Annie. The best part of the first half is when Pushpender beats his brother Hakim with his chappal. The intermission point comes as a bolt from the blue. Post interval, the interest and even the humour quotient dip. The situations become very unconvincing and even regressive to an extent. The climax is supposed to be funny but seems unimaginative. Talking of performances, Nawazuddin Siddiqui seems a bit off but then gets in the groove. His comic timing as expected is bang on and even in emotional scenes, he is great. Athiya Shetty is a surprise of the film. From her accent to her performance to body language and to her understanding the character, she is spot on! Karuna Pandey gets to play a fine character and is entertaining. Vibha Chibber is decent. Abhishek Rawat (Hakim) is superb as Pushpender’s brother. Navni Parihar (Annie’s mother), Bhumika Dube (Hema), Devansh Kumar (Ikka) and Usha Nagar Dadi are okay. Music gels well with the film’s narrative. 'Crazy Lagdi' is catchy followed by 'Kaise Banegi Sarkar'. 'Choti Choti Gal' and 'Aaj Jaage Rehna' are soulful but drag the narrative. Abhijeet Vaghani's background score however is terrific and unique. Suhas Gujarathi's cinematography is very nice. The film has been shot in unconventional locales of Bhopal, that one hasn’t seen in films before. Tariq Umar Khan's production design is realistic. Shadab Malik's costumes are straight out of life. Praveen Kathikuloth's editing is nothing special. On the whole, MOTICHOOR CHAKNACHOOR boasts of a very entertaining first half but the second half plays spoilsport heavily. At the box office, it will face a tough time due to the lack of buzz.

Unnerving movements for debt mutual funds investors!

Just last week my colleague, Divya explained the fiasco at Franklin Templeton Mutual Fund, which took a decision to abruptly wind down six debt mutual fund schemes, namely:

• Franklin India Low Duration Fund
• Franklin India Dynamic Accrual Fund
• Franklin India Credit Risk Fund
• Franklin India Short Term Income Plan
• Franklin India Ultra Short Bond Fund
• Franklin India Income Opportunities Fund

In all, the above debt mutual fund schemes had an AUM of Rs 30,854 crore as of March 31, 2020.

The fund house cited, "severe market dislocation and illiquidity in the fixed income space" caused by the COVID-19 pandemic, as the reason behind the decision.

Investors in these schemes are now left in the lurch: they cannot sell (nor buy) these funds and will have to rely on the fund house to get back their hard-earned money. Investors will have to hold their investments in these schemes until liquidity is available to the mutual fund house by either selling securities in the fund's portfolio or receiving maturity proceeds.

Currently, a fact is, not just Franklin Templeton Mutual Fund, but debt mutual fund schemes of many other fund houses are have a remarkable exposure to stressed assets.

According to portfolios disclosed on March 31, 2020, mutual funds collectively held Rs 1.38 trillion of exposure to debt securities issued by Non-Banking Financial Companies (NBFCs). Approximately Rs 51,000 crore of the exposure in debt securities has a maturity profile of less than 3 months; and now, mutual funds fear that there will be defaults.

NBFCs and other corporate borrowers claim that they do not have enough liquidity to fulfil their obligations and have requested for additional time. Given that, rating downgrades from rating agencies look likely.

However, some companies are playing smart: they are approaching the Courts to prevent a rating downgrade, plus seeking a stay on sale of pledged shares. Of course, they are well within their right to approach the judicial authority or Courts and contest.

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But the capital market regulator, seems to be in no mood in offering them any leeway. On the contrary, the regulator is asking the mutual fund industry to act against the issuer of securities who are possibly carrying high credit risk; facing asset quality problems.

Delays in repayments would mean the creation of more side-pockets by mutual funds. And in my view, more the losses investors suffer, more frustrating it will be for mutual fund houses and their investors. Eventually retail and High Net-worth Individuals, particularly, will lose confidence and may not be keen to invest in debt funds.

If you are wondering what has gone wrong, here's everything you may like to know about liquidity, credit risk and the exposure of mutual funds to corporate debt in the present scenario.

If you remember, the capital market regulator had mandated large corporations to source at least 25% of their borrowings from the bond markets from the beginning of FY 2019. This move was expected to deepen Indian bond markets and reduces the stress on banks. Just a year later, the same move is proving fatal for companies that went to the bond markets to raise money.

Now that the COVID-19 lockdown has forced many business units to shut off temporarily or operate much below their optimal operational capacity with a skeletal staff, companies, including the large organisations that relied heavily on debt markets, are finding it difficult to honour maturity claims on Commercial Papers (CPs), Non-Convertible Debentures (NCDs), and Bonds.

They were hoping for an 'at-par treatment' with Banks when the Reserve Bank of India (RBI) offered a moratorium period to borrowers. But the RBI circular came to them as a shocker. The devil was in the details.

On March 27, 2020, the RBI issued a notification allowing a three-month moratorium on all outstanding term loans and working capital facilities on account of disruptions caused by the outbreak of coronavirus. This circular did not cover around 10 thousand NBFCs, who mainly depend on CPs, NCDs, and Bonds for their funding requirements.

As far as NBFCs are concerned, the RBI has already provided them with a liquidity facility through the banking channel. The RBI directed banks to utilise funds infused under Targeted Long Term Repo Operations (TLTRO) facility to invest in 'investment-grade' CPs, NCDs, and Bonds issued by NBFCs. Also, RBI mandated banks to allocate 50% of Rs 50,000 crore of liquidity introduced by way of TLTRO 2.0 to small and mid-size NBFCs and small finance banks.

But NBFCs seemed not too happy with just liquidity and many of them are now approaching courts to prevent rating downgrades. This is not a best practice for the industry, although fund houses may be well within their rights to contest.

Recently, Indiabulls Housing Finance was successful in receiving the interim order from Delhi High Court, throttling any coercive action against the housing finance company for its inability to repay its bondholders. The Delhi High Court will hear the case further on May 19, 2020.

This has added to the worries of mutual fund houses that now fear other NBFCs will follow the same path.

The capital market regulator, only recently (a few days ago) following the three moratorium by RBI (due to disruptions caused by COVID-19 pandemic) has relaxed the valuation norms for debt and money market instrument held by mutual funds vide a circular dated April 23, 2020, wherein it states as under:

• Based on assessment, if the valuation agencies appointed by AMFI are of the view that the delay in payment of interest/principal or extension of the maturity of a security by the issuer has arisen solely due to COVID-19 pandemic lockdown and/or in light of the moratorium permitted by Reserve Bank of India (RBI) (vide notification no. RBI/2019-20/186, dated March 27, 2020) creating temporary operational challenges in servicing debt, then valuation agencies may not consider the same as a default for the purpose of valuation of money market or debt securities held by Mutual Funds.
  
  However, in the scenario, as stated above, if there is any difference in the valuation of securities provided by two valuation agencies, the conservative valuation shall be accepted.

But then what is the point of coming up with these valuation norms as an afterthought, and not in close synchronisation when the RBI came with its notification a month ago?

The damage now is already done and companies are anyways approaching the Courts to prevent a rating downgrade.

Let's say shares of a company are pledged and to recover the proceeds -- if they cannot be sold due to a court order -- then such lending would be as good as unsecured lending.

Also, why should that not be construed as an instance of deviation from the stated fundamental attributes of a debt mutual fund scheme? After all, mutual fund investors invest in debt fund schemes taking into account a certain level of risk. Change in the risk profile of a scheme is a change in the fundamental attribute/s.

According to India Ratings, NBFCs having the asset base of Rs 500 crore to 5,000 crore, largely fall between "A" and "BBB" rating categories.

The mid-path could be a decision on payment or deferring the payment in consultation with all stakeholders, including debenture trustees. The industry will require a blanket resolution because a case-to-case resolution approach is cumbersome and may create more chaos.

Unless the RBI takes a clear stance on NBFCs and other financial institutions, mutual fund houses are likely to feel the heat of redemptions. Suppose, there's no further statement issued by the banking sector regulator; mutual funds will have to be prepared to handle large-scale defaults, which might look inevitable. After all, a majority of NBFCs' customers are retail borrowers and they enjoy a moratorium on the EMI payment for 3-months. This has been the trickiest part for NBFCs.

While COVID-19 outbreak has been the genuine reason for the potential defaults this time, asset-liability mismatches of NBFCs are well-known. Many NBFCs have gone overboard with cheap credit available during stable market conditions. Their credit underwriting has been questioned widely. The industry has also witnessed belly-up instances such as IL&FS and DHFL. Many mutual fund houses have burned their fingers badly in such defaults.

At the time of writing this piece, to ease the liquidity pressure on mutual funds, the RBI today decided to provide a special liquidity facility of Rs 50,000 crore for mutual funds. Under this facility, the RBI will conduct repo operations of 90 days tenor at the fixed repo rate. This will be on-tap and open-ended, and banks can submit their bids to avail funding on any day from Monday to Friday (excluding holidays). The scheme is available from today i.e., April 27, 2020, till May 11, 2020, or up to utilization of the allocated amount, whichever is earlier. The Reserve Bank will review the timeline and amount, depending upon market conditions.

The RBI has stated further that the liquidity support availed under the Special Liquidity Facility for Mutual Funds shall be used by banks exclusively for meeting the liquidity requirements of mutual funds by, 1) extending loans; and (2) undertaking outright purchase of and/or repos against the collateral of investment-grade corporate bonds, CPs, debentures and certificates of Deposit (CDs) held by mutual funds.

Having taken this measure, keep in mind that it does not make investing in debt mutual funds risk-free. Considering the prevailing investment environment, you should stay away from mutual fund schemes whose portfolio characteristic appears compromised. Also, avoid credit risk funds and corporate bond funds as they are likely to be more vulnerable amidst the financial crisis followed by COVID-19 pandemic.

As a thumb rule: Choose mutual fund schemes from fund houses that follow prudent judicious investment processes and stringent risk-management systems.

In these uncertain times, it would be wise sticking to liquid funds and overnight funds while considering debt funds.

Our friends at Quantum Mutual Fund have highlighted the secret behind their debt management strategy which has helped them provide safety and liquidity to investors when it comes to investing in quantum funds. Don't Worry, Quantum Liquid Fund always aims for Safety and Liquidity.

As with all financial matters, better be safe than sorry!

PS: If you wish to select worthy mutual fund schemes, I recommend you to subscribe to PersonalFN's unbiased premium research service, FundSelect.

Additionally, as a bonus, you get access to PersonalFN's popular debt mutual fund service, DebtSelect.

Each fund recommended under FundSelect goes through our stringent process, where they are tested on both quantitative as well as qualitative parameters.

Every month, PersonalFN's FundSelect service will provide you with insightful and practical guidance on equity mutual funds and debt schemes - the ones to Buy, Hold, or Sell.

If you are serious about investing in a rewarding mutual fund scheme, Subscribe now!

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Author: Rounaq Neroy

This article first appeared on PersonalFN here.

PersonalFN is a Mumbai based personal finance firm offering Financial Planning and Mutual Fund Research services.

Disclaimer:
The views mentioned above are of the author only. Data and charts, if used, in the article have been sourced from available information and have not been authenticated by any statutory authority. The author and Equitymaster do not claim it to be accurate nor accept any responsibility for the same. The views constitute only the opinions and do not constitute any guidelines or recommendation on any course of action to be followed by the reader. Please read the detailed Terms of Use of the web site.

Coronavirus or Covid-19 is showing no signs of receding. On the contrary, the number of cases is increasing by the day and the situation is rather depressing, as almost every region of the world and country is infected.

Sadly, there is no antidote or a vaccine conclusively developed to fight this deadly pathogen yet. And according to the World Health Organisation (WHO), Coronavirus will be with us for a long time. Most cases are still in the early phase of the epidemic and some countries which were affected early in the pandemic, are now seeing a resurgence in the number of cases, said the WHO Chief.

COVID-19 is truly playing havoc and may be followed with a financial crisis owing to the lockdowns imposed to contain the spread. The risk of global recession undeniably looms large. "This crisis is like no other", as what the International Monetary Fund's (IMF), Chief Economist, Ms Gita Gopinath wrote in the foreword to the World Economic Outlook, April 2020.

Graph 1: The virus has spread even to Indian equities

The graph above depicts the S&P BSE Sensex falling off the cliff and investors' wealth being eroded. Since the all-time high of the S&P BSE Sensex (42,273.87 points made on January 20, 2020), we have fallen more than -25% and overall sentiments seem downbeat and volatility has heightened.

On a year-to-date basis, Indian equity is down nearly -23.2% (as of April 27, 2020), while gold -- with uncertainty looming around the world -- has exhibited its sheen and demonstrated its trait of safe haven and an effective portfolio diversifier, clocking nearly +5.0% absolute return as of April 27, 2020.

Graph 2: YTD Performance of key asset classes

The graph above validates the importance of tactical asset allocation. The key lesson here is: all asset classes will not necessarily move in the same direction (up or down) always - over the long-term; some may even move in the opposite direction as what we have seen in the recent past (in the case of equities and gold).

As we (the world) continue to fighting COVID-19 and the aftereffects of it are conceivable, a further correction cannot be ruled out and the bottom is unknown. COVID-19 is likely to impact corporate earnings amidst a time when India is already facing slowdown blues. As people are quarantined, demand would remain muted and inflation risk will begin to surface, particularly in food prices.

So, although the current levels offer a decent value-buying opportunity, skewing your portfolio completely to equity as an asset class could endanger wealth creation. In such times you, as an investor, need to follow tactical asset allocation while you aim to generate wealth.

Tactical Asset Allocation with Quantum Multi Asset Fund of Funds

To invest sensibly in the current times, you need a Multi-Asset Fund that invests in mainly three asset classes: equity, debt and gold; and is truly balanced.

Among the plethora of Multi-Asset Funds, the Quantum Multi Asset Fund of Funds (QMAFOF) incepted on July 11, 2012, is truly balanced and holds well-diversified portfolio (across the three key asset classes: equity, debt and gold) at all the times -- unlikely many of its peers who swayed by the excess exuberance in equities, lost sense, and eroded investors wealth.

Table 1: Asset Allocation of Quantum Multi Asset Fund of Funds

The Scheme predominantly invests in the units of Equity, Debt / Money Markets and Gold schemes of Quantum Mutual Fund. Currently, the following schemes are used to gain exposure to a particular asset class:

For equity - Quantum Long Term Equity Value Fund, Quantum Nifty ETF

For debt & money market instruments - Quantum Liquid Fund, Quantum Dynamic Bond Fund

For Gold - Quantum Gold Fund (ETF)

The Units of any other Equity and Debt / Money Markets scheme launched by Quantum Mutual Fund from time to time would be eligible to be part of the above asset allocation components.

Although QMAFOF aims to invest predominantly only in the schemes launched by Quantum Mutual Fund, QMAFOF may seek to invest in the units of similar schemes of other mutual fund houses in case of any investment and regulatory constraints that arise that prevent the Scheme from increasing investments in the schemes of Quantum Mutual Fund.

The investment objective of Quantum Multi Asset Fund of Funds is, "to generate modest capital appreciation while trying to reduce risk (by diversifying risks across asset classes) from a combined portfolio of equity, debt/money markets and gold schemes of Quantum Mutual Fund"

QMAFOF benchmarks it against the Crisil Composite Bond Fund Index (40%) + S&P BSE Sensex Total Return Index (40%) + Domestic price of Gold (20%).

Being a fund of fund, this benchmark is most suitable to compare QMAFOF's performance. The unique combination clubs together the relatively risky assets with other stable asset classes in the portfolio.

Backed by an astute investment strategy, taking the relative valuations between asset classes into consideration such as Price-to-Earnings relative to historical averages; the relationship between earning yield to bond yield relative to historical averages; and macroeconomic factors prevailing globally and within India, the two fund managers of QMAFOF, namely Mr Chirag Mehta (MMS - Finance, M.Com, and CAIA with over 13 years' experience in research and investments) and Mr Nilesh Shetty (B.Com, MMS -Finance, and CFA with collectively 16 years in equity markets), have generated respectable returns for investors.

Table 2: Report card of QMAFOF versus some of its peers

Even as the equity market is panting for breath attributable to COVID-19 and volatility has intensified, QMAFOF due to its sensible asset allocation to equity, debt and gold through its underlying portfolio, has fared relatively better than some of the peers.

ICICI Prudential Multi-Asset Fund, Axis Triple Advantage Fund, HDFC Multi-Asset Fund, and UTI Multi-Asset Fund, on the other hand, have all eroded investors wealth posting double-digit negative returns (see Table 2) in this downturn. Some of these schemes have fared well during upswings by keeping to the allocation to equities high, but on the downside, they have not managed the risk very sensibly. Investors, as a result, have experienced a roller-coaster ride in the journey of wealth creation.

A multi-asset fund, ideally, is expected to be truly balanced and sensibly allocate its assets whereby the downside risk of one asset class is compensated by the positive returns of the other asset classes.

Here are five good reasons to invest in Quantum Multi Asset Fund of Funds

1. You gain from a diversified portfolio across asset class which, in turn, reduces risk and optimizes returns.
2. You do not have to worry about portfolio rebalancing; the fund manager will astutely do it for you at regular intervals in the endeavour to achieve the set-out investment objective of the fund.
3. Portfolio tracking will be easy for you instead of tracking 10 different schemes
4. You will benefit from the lowest expense ratio in the category
5. And above all, Quantum Mutual Fund's strong research capabilities across various asset markets - equity, debt and gold, -- with robust investment processes & systems followed at the fund house.

Suitability of Quantum Multi Asset Fund of Funds

QMAFOF is a perfect fund for investors looking to tactically diversify the portfolio with a single fund across equity, debt and gold, plus leave the aspect of rebalancing to the discretion and expertise of the fund manager.

Furthermore, the fund is appropriate for investors seeking long term capital appreciation, who have a moderately high-risk appetite, and an investment time horizon of 3 to 5 years.

It is the best time to invest in the Quantum Multi Asset Fund of Funds. Valuation-wise, Indian equities look attractive and there appears to be a decent margin of safety (with a high return potential if the equity markets ascend).

Similarly, given the uncertainty surrounding the world, gold is expected to display its lustre. The economic uncertainty surrounded by the COVID-19, GDP growth rates being revised downwards, easy monetary policy action and stance followed by central bank across the world, geopolitical tensions, trade tension, and increased stock market volatility are likely to keep spotlights on gold.

Likewise, with credit risk getting amplified, it makes sense to have exposure to a pure Liquid Fund (that does not take exposure to Commercial Papers issued by private entities). Now that policy rates are already lowered by RBI to address growth concerns, it does not make much sense to take exposure to the longer end of the yield curve; it could prove less rewarding and risky (may encounter high volatility) in the foreseeable future. Deploying your hard-earned money is short-end of the maturity curve, would be far better.

By investing in Quantum Multi Asset Fund of Funds, you will be able to balance the risk better with a sensible investment strategy in place.

Just as an excess drug dosage cannot treat COVID-19, your investment portfolio, too, needs just a fair amount of diversification to clock optimal risk-adjusted returns in the journey of wealth creation.

Go ahead and consider investing in Quantum Multi Asset Fund of Funds.

Happy Investing!

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Author: Rounaq Neroy

This article first appeared on PersonalFN here.

PersonalFN is a Mumbai based personal finance firm offering Financial Planning and Mutual Fund Research services.

Disclaimer:
The views mentioned above are of the author only. Data and charts, if used, in the article have been sourced from available information and have not been authenticated by any statutory authority. The author and Equitymaster do not claim it to be accurate nor accept any responsibility for the same. The views constitute only the opinions and do not constitute any guidelines or recommendation on any course of action to be followed by the reader. Please read the detailed Terms of Use of the web site.

Many investors park their surplus money in debt schemes in an attempt to earn higher returns than Bank FDs. However the recent incident of Franklin Templeton MF winding down six of its debt schemes has dented investor sentiment and sparked speculation about the safety of their investments.

The news came as a shocker to the investors because the six schemes, the fund house, and the fund manager had a good performance record. Investors in the wound up debt schemes of FTMF are now left with no choice but to wait for the fund house make repayments.

If you are one of them, surely you want to know about the timeline of payouts from the respective schemes.

Here is what you should know first...

Before returning the money to unitholders, the fund will have to repay the borrowings by the respective schemes that was taken to fund the heightened level of redemptions. Keep in mind that the repayment of borrowings does not impact the value of money to be returned to the unit holders, though it can delay the start of pay out to unitholders.

The repayment of the borrowings that the fund has taken, along with the cash flows it receives in the respective schemes based on the maturity of the underlying securities in the portfolio as well as coupon receipts will determine the payout to the unitholders.

Moreover, the fund will seek pre-payment from issuers of the underlying securities and will look to sell portfolio holdings in secondary market at fair value.

Table 1: Maturity profile of wound up FTMF schemes

Franklin India Ultra Short Bond Fund (FIUBF) and Franklin India Low Duration Fund (FILDF) are the schemes with shorter maturity. If you are an investor in this scheme, you may expect a significant payout within 2-3 years. However, to recover the entire amount you may have to wait up to 5 years.

If you are wondering why a scheme with average maturity of just 0.44 years and 1.45 years will take around 5 years to repay the entire amount?

This is because the maturity of some underlying securities is much longer (around 4-5 years), even though the schemes belong to low duration category. Additionally, the schemes have borrowings in the range of 6.5% and 8.5% respectively, which have to be repaid first.

Whereas, if you are an investor in Franklin India Dynamic Accrual Fund (FIDA), Franklin India Short Term Income Fund (FISTIP), Franklin India Credit Risk Fund (FICRF), and Franklin India Income Opportunities Fund (FIIOF) your wait will be longer. These schemes primarily invest in medium to long duration securities.

These funds had to sell a number of their short term and liquid securities in the portfolio to meet redemptions. Hence, to get a significant payout from these schemes you will have to wait at least 4-5 years. The year wise expected cumulative cash flows is given in the table below.

Notably, FIIOF is the longest duration fund from among the six funds that have been wound up. It will only be able to repay a very small portion (5%) in the next two years.

Another key reason that could delay the payout from these schemes is the high borrowing rate. FISTIP has 28% of its assets as borrowings, FIIOF has 26%; while FICRF also has significant 16% as borrowings. Furthermore, factors such as credit issues or payment delays faced by any of the investee companies could negatively impact cash flows.

Table 2: Cash flows expected by FTMF across different time period

Many of the securities with longer maturities have regular interim cash flows and features such as interest rate resets or call/ put options, which significantly reduce the effective maturity and the same has been factored into the calculation of the Macaulay Duration.

FTMF said that it would actively explore opportunities with a goal to facilitate repayment prior to the maturity of the portfolio investments. To do this it will seek prepayment from the issuers of the underlying securities and look to sell the securities in the secondary market.

However, the current market scenario is rife with risk aversion and illiquidity. The fact that wound up schemes have high holding of lower rated securities, FTMF will have to wait for the market conditions to go back to normal to liquidate the portfolio at the earliest, without causing value erosion for investors.

[Read: RBI Steps in to Take Some Pain Off Mutual Funds. Will It Help?]

Way ahead for debt fund investors

Keep in mind that debt funds are not risk-free. Investment in debt funds carry various risks relating to liquidity, credit quality, and interest rate. Therefore, before investing in debt funds understand the various risks involved and invest in schemes where the portfolio risk aligns with your own risk appetite and financial objective.

In this market environment, it would be preferable to invest in instruments issued by government and public sector enterprises, and stay away from those having high exposure to private issuers.

At PersonalFN, we arrive at top rated funds using our SMART Score Model. If you wish to select worthy mutual fund schemes, I recommend you to subscribe to PersonalFN's unbiased premium research service, FundSelect.

Additionally, as a bonus, you get access to PersonalFN's popular debt mutual fund service, DebtSelect.

If you are serious about investing in a rewarding mutual fund scheme, Subscribe now!

Author: Divya Grover

This article first appeared on PersonalFN here.

Join Now: PersonalFN is now on Telegram. Join FREE Today to get 'Daily Wealth Letter' and Exclusive Updates on Mutual Funds

PersonalFN is a Mumbai based personal finance firm offering Financial Planning and Mutual Fund Research services.

Disclaimer:
The views mentioned above are of the author only. Data and charts, if used, in the article have been sourced from available information and have not been authenticated by any statutory authority. The author and Equitymaster do not claim it to be accurate nor accept any responsibility for the same. The views constitute only the opinions and do not constitute any guidelines or recommendation on any course of action to be followed by the reader. Please read the detailed Terms of Use of the web site.

Australian tennis star Nick Kyrgios has apparently followed through on a promise to help people going hungry in the coronavirus shutdown, with social media images showing boxes of essential items prepped for delivery.

The controversial Kyrgios, infamously outspoken and known for his fiery on-court antics, said on Monday he would personally drop food on doorsteps after COVID-19 restrictions closed down entire industries, forcing huge numbers of people out of work across Australia. People queueing for welfare payments across the country have been likened to scenes from the Great Depression. "Please don't go to sleep with an empty stomach," Kyrgios, the world number 40, posted on Instagram Monday. "Don't be afraid or embarrassed to send me a private message. I will be more than happy to share whatever I have.

"Even just for a box of noodles, a loaf of bread or milk. I will drop it off at your doorstep, no questions asked!" he said in a post that attracted almost 100,000 likes. His mother, Norlaila Kyrgios, posted on Instagram over the weekend a photo of a table laden with food -- including bread, fruit and canned goods -- with the caption "dining room or food distribution centre".

Images of Canberra-based tennis star's Instagram stories shared on News Corp websites showed boxes of essentials captioned "deliveries in progress". It comes just months after the 24-year-old led a bushfire relief campaign that raised millions of dollars. Kyrgios gave Aus$200 (US$125) for every ace he hit across his home tennis summer, which ran until the end of the Australian Open. Other players and Australian Open organisers jumped on board the fundraising drive, also contributing large sums to people affected by the deadly fires.

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With the world coming to a standstill due to the coronavirus outbreak, sporting events across the globe have either been cancelled or suspended and Indias star tennis player Sania Mirza cannot wait to go back to the tennis court.

Taking to Twitter, she wrote: "Waiting to play tennis again like." Earlier, Sania had made her displeasure known as there has been a rise in the number of 'cooking' posts that celebrities are putting out on social media as they stay indoors to fight the coronavirus outbreak. Sania feels posting such pictures in these times is unwanted.

Waiting to play tennis again like 🎾 ⏳
📸- @avigowariker pic.twitter.com/RUZaNRjHHf

— Sania Mirza (@MirzaSania) April 14, 2020

Taking to Twitter, she wrote: "Aren't we done with posting cooking videos and food pictures yet ? Just spare a thought - there are hundreds of thousands of ppl, specially in our side of the world starving to death and struggling to find food once a day if they are lucky."

After giving birth to her child in October 2018, Sania returned to the court in January this year. She clinched the women's doubles title at Hobart International, pairing up with Nadiia Kichenok, in her comeback competition.

Sania recently shared a photo of her son with a tennis racquet in hand, looking confused. "I am pretty sure he's thinking what the fuss is all about? #IzhaanMirzaMalik". Sania said in her Twitter post.

Sania last played at the Qatar Open in February. She has helped raise Rs 1.25 crore in one week which will help close to 1 lakh people in need during the 21-day lockdown to fight the coronavirus pandemic.

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Former Danish tennis star Caroline Wozniacki has turned to baking during weekends during the Coronavirus lockdown.

On Sunday, the former World No. 1 Instagrammed this picture to her 1.4 million followers, of a red velvet cake she baked and wrote: "Weekdays are for fitness. Weekends are for baking [and eating]. First time baking a layered red velvet cake with homemade vanilla cream cheese frosting! I think it was a success!" To this, her NBA star hubby David Lee replied: "Definitely a success! Two pieces in and I'm ready for a nap."

 

 

 

View this post on Instagram

Weekdays are for fitness🏃🏼‍♀ï¸ÂðŸ‹ðŸ¼‍♀ï¸Â, weekends are for baking👩🏼‍🍳 (and eating😋) - first time baking a layered red velvet cake with homemade vanilla cream cheese frosting! I think it was a success! 😍

A post shared by Caroline Wozniacki (@carowozniacki) onApr 18, 2020 at 12:24pm PDT

Caroline Wozniacki is the first female from a Scandinavian country to be the number one player in WTA rankings. Wozniacki has won a total of 30 singles titles in her entire career. Wozniacki's highest point in her tennis career came when she won the 2019 Australian Open. Her career statistics are 635-264 with a winning percentage of 70.6.

Caroline Wozniacki is married to NBA champion David Lee. They tied the knot in June 2019.

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