This episode is about Panathottam Book Chapter 5. This episode describes how Baniya people (Communities in North India ) have more money in their hands, developed using banks and insurance companies. Bank and Insurance companies made them start many industries and products to sell in markets. Whereas in South India, insurance companies are smaller scale, which leads to less development in south India. . S4E05 . Support this Podcast: www.buymeacoffee.com/pulippumittai