A Kashmiri Muslim woman show her indelible ink marked finger after casting her vote during the sixth phase of Indian parliamentary elections on in Vejbeour 45 km (28 miles) south of Srinagar. (Yawar Nazir / Getty Images / April 24, 2014)
A Kashmiri Muslim woman show her indelible ink marked finger after casting her vote during the sixth phase of Indian parliamentary elections on in Vejbeour 45 km (28 miles) south of Srinagar. (Yawar Nazir / Getty Images / April 24, 2014)
A Kashmiri Muslim woman show her indelible ink marked finger after casting her vote during the sixth phase of Indian parliamentary elections on in Vejbeour 45 km (28 miles) south of Srinagar. (Yawar Nazir / Getty Images / April 24, 2014)
A Kashmiri Muslim woman show her indelible ink marked finger after casting her vote during the sixth phase of Indian parliamentary elections on in Vejbeour 45 km (28 miles) south of Srinagar. (Yawar N

Identity crisis: if Narendra Modi is elected, can secular India survive?


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Zafar Sareshwala would appear to be an unlikely poster boy for Narendra Modi, the candidate for the Hindu nationalist Bharatiya Janata Party (BJP) and the man who many expect will be India’s next prime minister. While most Muslims despise Modi and fear that his victory would make them more insecure, Sareshwala – a devout Muslim businessman who is also an activist for the conservative theological movement Tablighi Jamaat – is leading a high-decibel pro-Modi campaign that has made him a hate figure in his own community.

Sporting a magnificent beard, which gives him the appearance of a cleric, and solemnly quoting Islamic scriptures, the 50-year-old Gujarati entrepreneur has become a fixture on prime-time television debates, unapologetically batting for a man who regards Muslims as descendants of Mughal invaders and, therefore, lesser Indians – “Muslims first and Indians later”.

So, why is Sareshwala, himself a victim of the 2002 violence and once a harsh Modi critic, rooting for him when millions of Hindus, not to mention Muslims, have deep concerns about his strident nationalist views and see him as a threat to India’s secular fabric?

Despite all the opprobrium heaped on him by his critics (he says he has been swamped with hate mail), Sareshwalla represents the dilemma that confronts Indian Muslims today. Given that they are not in a position to stop Modi, the question is: should they continue to oppose him, or try to make peace with him? Draw a line under the past and move on?

This battle of head versus heart – the heart tells them not to forget 2002 while the head counsels pragmatism – is being fought in every Muslim household in India. In Sareshwala’s household, the head has clearly won, crucially because of his personal story.

In the 2002 riots Sareshwalla’s family lost everything. Their home in Ahmedabad, Gujarat’s capital city, was looted and their two companies – an Islamic investment bank and an industrial valve factory – were destroyed in arson and looting.

“We were finished,” he says, recalling how his family was reduced to accepting zakat to survive. Sareshwala lived in the UK at the time. Devastated by the financial ruin, he promptly joined a campaign calling for Modi to be tried for crimes against humanity. Back home, his family realised that if they wished to live and prosper again in Gujarat there was no other option but to seek reconciliation with Modi.

When Modi visited Britain in 2003, Sareshwala had a long meeting with him, paving the way for Sareshwala to return to Gujarat and rebuild his business with generous government assistance.

Sareshwala, of course, rejects allegations of “opportunism” and instead invokes Islamic teachings to defend his “forgive and forget” mission. He argues that it is in Muslims’ own interest to give up confrontation.

“Permanent animosity against a political party and its prime ministerial candidate will not help improve the community’s condition,” he said in a newspaper interview, adding: “The Prophet signed Sulah Hudaibiya, a seemingly humiliating treaty, with the then-pagan Meccans who had oppressed him and his followers. This is the example that I follow and want my fellow Muslims to follow too.”

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As a Modi victory begins to look increasingly certain, more Muslims are reported to be reviewing their options and could end up quietly voting for him, especially in Gujarat. While some genuinely believe that 12 years after the riots it is time to move on, others say that in the absence of a viable secular alternative it is wiser to go with the tide. It is their way of buying peace and security.

M J Akbar, one of India’s most respected Muslim journalists, who once famously likened Modi to Hitler (“In Hitler’s case, the enemy was the Jew, in Modi’s case the enemy is the Muslim,” he wrote after the 2002 killings) has joined the BJP. He now defends Modi, arguing that his involvement in the Gujarat riots has not been proved.

He and other Muslim converts to the Modi camp argue that in the past 60 years India has witnessed numerous anti-Muslim riots, most of them under successive Congress governments, so it is unfair to single out Modi. They also point out that not a single incident has happened in Gujarat since 2002 while sectarian riots have taken place in other parts of the country – most recently in Muzaffarnagar, Uttar Pradesh, ruled by a secular ally of the Congress party.

According to critics, however, the issue is not whether a few Muslims choose to vote for Modi in exchange for protection or other personal motives but whether Modi’s exclusivist agenda should be acceptable in a country proud of its pluralist traditions. Javed Anand, a prominent rights activist and the secretary of Muslims for Secular Democracy (MSD), says he fully understands people like Sareshwalla supporting Modi but that does not lessen the enormity of what happened under Modi’s watch nor detract from his “Hindutva” agenda, which equates India with Hindus while relegating non-Hindus to the status of “second-class ­citizens”.

“I have no problem if Sareshwala has made peace with Modi only because of his business. But after capitulating to a tyrant, he is now collaborating with him to make India a Hindu rashtra [nation] where minorities, especially Muslims, will be second-class citizens,” he says.

Significantly, Modi has refused to seek Muslim support and is, instead, concentrating on consolidating the Hindu vote. The subtext being: So long as enough Hindus are with me, I don’t need Muslim support. Who cares how they vote?

The prospect of Modi’s electoral success raises a number of questions about India’s political DNA: will the notion of a secular India survive, in a climate in which the nation’s 170 million Muslim citizens can be declared dispensable? Can a government elected only by the majority community truly claim democratic legitimacy? What will be the attitude of such a government towards minority groups?

Thus the significance of this election is wider than the future of the Muslim community and has a bearing on the future of Indian secularism itself. Although the BJP/Modi election strategy has been to reduce the debate to the Hindu-Muslim divide, at its heart this election is really about whether India wishes to remain a secular democracy or turn itself into a Hindu state in which minorities will be pushed farther to the ­margins.

Then there is the question of morality. Will India be crossing a moral red line by voting into power a person accused of having blood on his hands?

A blog post by an American journalist Thane Richard, titled India Crosses the Moral Line of No Return if Narendra Modi Becomes prime minister, has gone viral.

Richard, who spent some time in India and runs a digital radio station covering Indian politics and culture, was provoked to write it after an Indian woman he met in Detroit told him: “Even if Narendra Modi was involved in the Gujarat riots, I don’t care. His economic work wins out. I will vote for him.”

Richard wrote: “Since then, I have not been able to shake a deep-seated disturbance at her disregard for essential humanity. This disregard, I fear, is shared by many in India … Has India become so desperate for rapid economic growth, so blinded by the promise of prosperity, that she has forgotten basic humanity? It seems that, in the race towards higher GDP, the majority of India is willing to inject itself with the steroids of bigotry or ruthlessness. Ethics be damned.”

Such concerns cut across sectarian lines. In recent weeks, there has been a spate of public statements from India’s liberal intellectuals, artists and rights activists – mostly Hindus – urging voters to “check fascism”. A group of high-profile Bollywood figures such as the actress Nandita Das and the directors Vishal Bhardwaj and Govind Nihalani have written an open letter highlighting the dangers of electing a government inspired by an ideo­logy of “hate” and “intolerance”. They warn that “today the very sense of India is vulnerable” and the “need of the hour” is to protect the country’s “secular ­foundations”.

“The best thing about our country is its cultural diversity, its pluralism – the co-existence of a number of religions and ethnicities over centuries … And, this has been possible only because Indian society has prided itself on being essentially secular in character, rejecting communal hatred, embracing tolerance,” they wrote.

Separately, more than a dozen of India’s most prominent artists and academics, including the novelist Salman Rushdie and the sculptor Anish Kapoor, expressed their “acute worry” at the prospect of a Modi victory. Pointing out that Modi has repeatedly refused to apologise for the anti-Muslim violence he is accused of inciting, they said: “Such a failure of moral character and political ethics … is incompatible with India’s secular constitution, which ... is founded on pluralist principle” .

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Modi is running an extremely toxic campaign, portraying Muslims as fifth columnists and secular Hindus as their collaborators. He pointedly refers to his Hindu critics by attaching the Muslim prefixes “Mian” or “Maulana” to their names. And he revels in provoking Muslims. He caused a furore when, in an interview with Reuters, he was asked whether he had any remorse for what happened in 2002. He replied: “We’re human. We feel remorse even when a puppy is knocked down by car.”

Taking his cue, other BJP leaders have followed suit. Giriraj Singh, a senior party figure from the northern state of Bihar, told a public meeting that “those who want to stop Narendra Modi from becoming prime minister are looking towards Pakistan. In the coming days, they will have no place in India. They will only have place in Pakistan.”

Another prominent leader, and Modi’s right-hand man, Amit Shah, was reprimanded by the Election Commission for urging voters to take “revenge” for the Hindus killed in the Muzaffarnagar riots.

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From all accounts this is the most polarised election campaign in recent memory. The Congress and its allies have matched the BJP in deploying divisive rhetoric and abusive personal attacks. While the Modi camp has raised questions about Congress president Sonia Gandhi’s Italian origins, Congress has taken pot shots at Modi’s humble origins by calling him a chaiwala (tea-seller) and speculating about his marital status.

“Fair is foul, and foul is fair; hover through the fog and filthy air. Does this quote from Shakespeare’s Macbeth describe the election campaign of 2014 as the most vitriolic ever?” asked the TV anchor Barkha Dutt.

Yet, at the start of the campaign, the buzz was that the election would be fought on development issues and the BJP, in particular, went to town presenting the election as a referendum on the UPA government’s 10-year-old record in office. But with Modi as its candidate, nobody believed that story – his selection amounted to hurling a grenade into a crowd and expecting people not to react.

The BJP’s decision to field Muslim-baiting Modi as its prime-ministerial candidate signalled its real intentions. And it suited a floundering Congress. Defending a patchy record, it grabbed the chance to turn it into a “secular Congress” versus “communal BJP” contest. Religious and caste-based regional parties quickly lined themselves up behind either the BJP or the Congress depending on their own agendas. The only redeeming feature is that the campaign has remained largely peaceful. So far.

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The atmosphere has become so febrile that it will take a long time for it to return to normal. If Modi does become PM he will have his work cut out. Not only will he need to woo his domestic critics, especially Muslims, he will also be under diplomatic pressure to allay the fears of India’s neighbours, particularly Pakistan and China, whom he has openly criticised. The wider Muslim world will need assurances that his Islamophobia and pro-Israel tilt will not affect India’s relations with them.

Indeed, the entire world is watching closely as to what kind of India it will wake up to on May 16. Will secular India survive?

Hasan Suroor is the author of ­India’s Muslim Spring: Why is ­Nobody Talking about it?

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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

What is a robo-adviser?

Robo-advisers use an online sign-up process to gauge an investor’s risk tolerance by feeding information such as their age, income, saving goals and investment history into an algorithm, which then assigns them an investment portfolio, ranging from more conservative to higher risk ones.

These portfolios are made up of exchange traded funds (ETFs) with exposure to indices such as US and global equities, fixed-income products like bonds, though exposure to real estate, commodity ETFs or gold is also possible.

Investing in ETFs allows robo-advisers to offer fees far lower than traditional investments, such as actively managed mutual funds bought through a bank or broker. Investors can buy ETFs directly via a brokerage, but with robo-advisers they benefit from investment portfolios matched to their risk tolerance as well as being user friendly.

Many robo-advisers charge what are called wrap fees, meaning there are no additional fees such as subscription or withdrawal fees, success fees or fees for rebalancing.

Our legal columnist

Name: Yousef Al Bahar

Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994

Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers

Meydan race card

6.30pm: Maiden Dh 165,000 1,600m
7.05pm: Handicap Dh 185,000 2,000m
7.40pm: Maiden Dh 165,000 1,600m
8.15pm: Handicap Dh 190,000 1,400m
8.50pm: Handicap Dh 175,000 1,600m
9.25pm: Handicap Dh 175,000 1,200m
10pm: Handicap Dh 165,000 1,600m

The Way It Was: My Life with Frank Sinatra by Eliot Weisman and Jennifer Valoppi
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Trump v Khan

2016: Feud begins after Khan criticised Trump’s proposed Muslim travel ban to US

2017: Trump criticises Khan’s ‘no reason to be alarmed’ response to London Bridge terror attacks

2019: Trump calls Khan a “stone cold loser” before first state visit

2019: Trump tweets about “Khan’s Londonistan”, calling him “a national disgrace”

2022:  Khan’s office attributes rise in Islamophobic abuse against the major to hostility stoked during Trump’s presidency

July 2025 During a golfing trip to Scotland, Trump calls Khan “a nasty person”

Sept 2025 Trump blames Khan for London’s “stabbings and the dirt and the filth”.

Dec 2025 Trump suggests migrants got Khan elected, calls him a “horrible, vicious, disgusting mayor”

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MATCH INFO

Manchester City 2 (Mahrez 04', Ake 84')

Leicester City 5 (Vardy 37' pen, 54', 58' pen, Maddison 77', Tielemans 88' pen)

Man of the match: Jamie Vardy (Leicester City)

THE DETAILS

Director: Milan Jhaveri
Producer: Emmay Entertainment and T-Series
Cast: John Abraham, Manoj Bajpayee
Rating: 2/5

What is safeguarding?

“Safeguarding, not just in sport, but in all walks of life, is making sure that policies are put in place that make sure your child is safe; when they attend a football club, a tennis club, that there are welfare officers at clubs who are qualified to a standard to make sure your child is safe in that environment,” Derek Bell explains.

match info

Manchester United 3 (Martial 7', 44', 74')

Sheffield United 0

UAE currency: the story behind the money in your pockets
Results

6pm: Dubai Trophy – Conditions (TB) $100,000 (Turf) 1,200m 

Winner: Silent Speech, William Buick (jockey), Charlie Appleby
(trainer) 

6.35pm: Jumeirah Derby Trial – Conditions (TB) $60,000 (T)
1,800m 

Winner: Island Falcon, Frankie Dettori, Saeed bin Suroor 

7.10pm: UAE 2000 Guineas Trial – Conditions (TB) $60,000 (Dirt)
1,400m 

Winner: Rawy, Mickael Barzalona, Salem bin Ghadayer 

7.45pm: Al Rashidiya – Group 2 (TB) $180,000 (T) 1,800m 

Winner: Desert Fire, Hector Crouch, Saeed bin Suroor 

8.20pm: Al Fahidi Fort – Group 2 (TB) $180,000 (T) 1,400m 

Winner: Naval Crown, William Buick, Charlie Appleby 

8.55pm: Dubawi Stakes – Group 3 (TB) $150,000 (D) 1,200m 

Winner: Al Tariq, Pat Dobbs, Doug Watsons 

9.30pm: Aliyah – Rated Conditions (TB) $80,000 (D) 2,000m 

Winner: Dubai Icon, Patrick Cosgrave, Saeed bin Suroor  

UPI facts

More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions

Match info

Wolves 0

Arsenal 2 (Saka 43', Lacazette 85')

Man of the match: Shkodran Mustafi (Arsenal)

Yahya Al Ghassani's bio

Date of birth: April 18, 1998

Playing position: Winger

Clubs: 2015-2017 – Al Ahli Dubai; March-June 2018 – Paris FC; August – Al Wahda

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