The following article was published in the Times Of India on October 4th, 1992 and I still have its paper copy in my personal collection (although it has turned yellow due to ageing). This was written by Nabendu Debsharma, which I believe is a pseudo name of the author. He used to write several articles about personal finance in the Times Of India and I have good collection of his articles. If you happen to know this author, please let me know his contact details. I would like to meet him or at least write to him. Thanks.
Here is the article. (All copyrights acknowledged.)