The Talwar family has been in the jewellery retail trade for more than six generations and Anil Talwar's single-minded dedication and farsighted vision has propelled the business towards dizzying heights, learns Roli Gupta.%% I had just completed my class 10 ICSE examinations,” recounts Anil Talwar, speaking about the beginning of what became a long, illustrious career in the jewellery trade. “This was in November 1977. In those days, the CBSE exam was held in April, so there was a long period of 8 months when the ICSE students had practically nothing to do – not for me though. I was fascinated by the jewellery trade from the outset. Instead of wasting my time, I started sitting at the store, learning the business in its entirety – starting from accounts to inventory to purchasing.” %% The early fascination kindled a real interest within the short time he had spent familiarising himself with the trade. “In 1978, I even went to Mumbai and stayed with my father's close friend who taught me the intricacies of the business,” Anil remembers. “By 1979 – and I was only 17 then – I was completely hooked to the jewellery retail trade. A year later, I officially joined the store and became partner at the age of 18!” %% Talwarsons Jewellers happens to be one of the oldest jewellery retailers in North India. Anil, in fact, is the seventh generation of the family. The Talwarsons story of fame and fortune in the true sense of the word started in 1953 – when the late Sat Pal Talwar came to Chandigarh from a small village, Garhdiwala in Punjab, with his father and two brothers. The first store in Chandigarh was inaugurated on the 30th April, 1954. Sat Pal Talwar was very dedicated and passionate towards his work and slowly the business began to flourish. %% “I was born in 1962 and “sarafi mere khoon mein hi thi” (the jewellery business was in my blood),” says Anil reminiscing about a joyful, carefree childhood. “I was quite a good student in school – St John's in Chandigarh and enjoyed it too. Sports were always my favourite – I was a champion marathon runner, and for a very long time, almost 30 years, the record time for marathon running set by me remained unbroken. Skating was also a passion and I represented my city, but an unfortunate injury put an end to my skating career.”

Graduation at the Government College, Chandigarh and very good scores at the GRE and TOEFL meant that he had the pick of invitations from American universities to choose from but the sarafi in his blood made him stay back to handle the business. Thirteen years passed – a span in which the combined efforts of the Talwar family – Anil, his cousins, father and uncles ensured that the business grew steadily. In 1993, the late Sat Pal Talwar and Anil exited the Talwar Group, took over Talwar Diamonds and renamed it Talwarsons Jewellers – the parting fortunately was amicable. %% Anil speaks ever so respectfully of his father's elder brother's influence on his thinking. “Besides my father and paternal uncle, my grandfather was a major influence for me, though he passed away when I was only seven. In fact the values and principles inculcated by my grandfather hold true for the entire Talwar family even today. I belong to the old school of thought to date, it may sound unbelievable, but I have never borrowed any money from any bank. All my dealings are in cash even with my vendors. Total, complete honesty is the key to succeeding in business – there are no two ways about it. Talwarsons were in fact pioneers in getting BIS and 916 hallmarking for gold jewellery in North India,” reiterates Anil. %% “My father never took even a single holiday in his entire lifetime. I worked with him for 28 years, and till his very last day, I always saw him working honestly and with total enthusiasm and commitment. I myself believe in the maxim of “Work hard, play hard”. I still put in 12 hours of work everyday,” he adds. %% Having said that, Anil's fondness for travel is well known too – he has travelled to an estimated 53 countries for both business dealings and family vacations. Family is very important to him and he speaks warmly about Neena, his wife who supports him in all his endeavours. In 1996, he set up an exports business and was soon successfully supplying diamond jewellery to major stores in the US. %% Anil is a strong supporter of traditional jewellery making and craftsmanship. He travels extensively in the country and sources masterpieces from master craftsmen and designers from various regions to maintain the authenticity of each piece. Only original masterpieces created by the craftsmen of the region make their way to the Talwarsons collection of exquisite jewellery – this is his attempt to ensure that the age old traditions of jewellery making in India remain intact to some extent. He is a veritable encyclopaedia on the jewellery business and the jewellery making styles in the various regions of India and has put this knowledge to excellent use through writing.

“Besides the jewellery business and my love for travelling, I also enjoy writing,” he says. His articles have been published in the Tribune, Hindustan Times and The Times of India. “Most of these articles are aimed at disseminating correct information about jewellery to the consumers. I believe that the customer should be able to buy jewellery with confidence and clarity and my writing was aimed at simply and clearly explaing the finer nuances of jewellery and buying jewellery.” %% Anil Talwar was also one of the founding members of the All India Gems and Jewellery Trade Federation. He was initially part of the Governing Board of Directors and then was elevated to the prestigious Senior Board of Directors. “I was an active member, till recently,” he says. “Expansion plans at Talwarsons are taking up all my time, once that is done, I plan to resume my work at the GJF.” Speaking about the expansion plans, Anil explains, “We intend to make Talwarsons the biggest jewellers in the North of India. Several plans are in the offing and some of them have already been implemented – the Jewellery Couture Show for instance. This show is an annual extravaganza and we have had celebrities like Zeenat Aman, Hema Malini, Esha Deol, Ranjeet and other luminaries grace the shows. Publications like the JCS are also on the anvil.” %% Anil's long innings in the industry has seen its fair share of ups and downs. “By the grace of God, the ups have been more than the downs. We have been seeing 50 per cent year-on-year growth for the past 10 years – sometimes I get a feeling this is all very unreal! I have seen all aspects of the retail business. When I started, the store was very small; we used to never have enough ready cash to buy even the basic stock like chains and bangles. As Talwarsons grew, I was able to see things from different perspectives – the small retailer just making ends meet, the medium sized retailer doing brisk business, the large size retailer who can afford the really heavy designs and the luxury retailer who has a very exclusive clientele. Seeing and doing business from the grassroots level up ensured that I remained thoroughly grounded even as I dream of bigger and better things for the business.” %% Along with the changes in his own business, he has seen the industry on the whole go through tempestuous times – from the boom to the slump and now the revival. “The industry is going through a massive shakedown – and I have been observing this for the past 10 years. It is maturing very fast -- only the toughest and the most adaptable will survive. In fact, in terms of volume, the top 2per cent of jewellers control almost 50 per cent of the business in India – and I reckon this figure will rise to almost 80 per cent in the next 10 years. As it is, those who are doing well are doing fabulously well, and those who are not are perishing slowly and surely. To survive the onslaught, the jeweller has to be a master of all departments – design, procurement, accounts, inventory, purchase, technology...jewellery retail is vastly different from any other retail – and as such only the ones who truly dedicate themselves to the business or have sarafi in their blood like me will grow and do well,“ emphasises Anil offering interesting insights into the present state of the industry.

Talwarsons were in fact pioneers in getting BIS and 916 hallmarking for gold jewellery in North India - I believe that the customer should be able to buy jewellery with confidence and clarity – and my writing was aimed at simply and clearly explaing the finer nuances of jewellery and buying jewellery. %% Indian jewellery is very unique...we have the best of designs here and a long, long tradition of jewellery buying and design. %% Being a true blue blooded jeweller, I will keep coming to the store even after I grow old, but the policy making, the decision making, the work will belong to my successors.

Ask him about retirement and the answer is an even-handed affirmative and negative. “It is important to let the younger generation make its own mistakes. Teach them the basics and let them build upon the foundation. Advise them, but let them find their own path. To that end, being a true blue blooded jeweller, I will keep coming to the store even after I grow old, but the policy making, the decision making, the work will belong to my successors. I will be there to advise them, supervise and oversee the working if they need me...Of my two sons, Dhruv did his graduate gemmology course from the GIA headquarters in the US and has joined me full time. The younger one Vikram is pursuing his Business Economics course in Manchester, UK – I have let them both navigate their own course. I have dabbled quite successfully in the real estate business too, and some projects there are also going to keep me very busy,” he declares. %% From his reservoir of knowledge gained over the years come a few pearls of wisdom for the current crop of jewellers. ”Indian jewellery is very unique -- we have the best of designs here and a long, long tradition of jewellery buying and design. In fact, we don't even need to compete with the so-called top luxury brands of the world. The Indian market is totally different from the European or the American market – it's a totally different ball game. Innovation is imperative. The jeweller needs to realise that doing the same thing that other jewellers are doing is obviously going to give him the same results as them. Practical knowledge is a must -- learning and applying the learning is vital. So, think for yourself. Objectively analyse every aspect of the trade. Remember, thinking is the key to success. Don't limit yourself, many people limit themselves to what they think they can do, you can go as far as your mind lets you. What you believe, remember, you can achieve,” is how Anil Talwar, jeweller, traveller, writer, astute businessman and complete family man sums up his philosophy, life and times!

The Talwar family has been in the jewellery retail trade for more than six generations and Anil Talwar's single-minded dedication and farsighted vision has propelled the business towards dizzying heights, learns Roli Gupta.%% I had just completed my class 10 ICSE examinations,” recounts Anil Talwar, speaking about the beginning of what became a long, illustrious career in the jewellery trade. “This was in November 1977. In those days, the CBSE exam was held in April, so there was a long period of 8 months when the ICSE students had practically nothing to do – not for me though. I was fascinated by the jewellery trade from the outset. Instead of wasting my time, I started sitting at the store, learning the business in its entirety – starting from accounts to inventory to purchasing.” %% The early fascination kindled a real interest within the short time he had spent familiarising himself with the trade. “In 1978, I even went to Mumbai and stayed with my father's close friend who taught me the intricacies of the business,” Anil remembers. “By 1979 – and I was only 17 then – I was completely hooked to the jewellery retail trade. A year later, I officially joined the store and became partner at the age of 18!” %% Talwarsons Jewellers happens to be one of the oldest jewellery retailers in North India. Anil, in fact, is the seventh generation of the family. The Talwarsons story of fame and fortune in the true sense of the word started in 1953 – when the late Sat Pal Talwar came to Chandigarh from a small village, Garhdiwala in Punjab, with his father and two brothers. The first store in Chandigarh was inaugurated on the 30th April, 1954. Sat Pal Talwar was very dedicated and passionate towards his work and slowly the business began to flourish. %% “I was born in 1962 and “sarafi mere khoon mein hi thi” (the jewellery business was in my blood),” says Anil reminiscing about a joyful, carefree childhood. “I was quite a good student in school – St John's in Chandigarh and enjoyed it too. Sports were always my favourite – I was a champion marathon runner, and for a very long time, almost 30 years, the record time for marathon running set by me remained unbroken. Skating was also a passion and I represented my city, but an unfortunate injury put an end to my skating career.”

Graduation at the Government College, Chandigarh and very good scores at the GRE and TOEFL meant that he had the pick of invitations from American universities to choose from but the sarafi in his blood made him stay back to handle the business. Thirteen years passed – a span in which the combined efforts of the Talwar family – Anil, his cousins, father and uncles ensured that the business grew steadily. In 1993, the late Sat Pal Talwar and Anil exited the Talwar Group, took over Talwar Diamonds and renamed it Talwarsons Jewellers – the parting fortunately was amicable. %% Anil speaks ever so respectfully of his father's elder brother's influence on his thinking. “Besides my father and paternal uncle, my grandfather was a major influence for me, though he passed away when I was only seven. In fact the values and principles inculcated by my grandfather hold true for the entire Talwar family even today. I belong to the old school of thought to date, it may sound unbelievable, but I have never borrowed any money from any bank. All my dealings are in cash even with my vendors. Total, complete honesty is the key to succeeding in business – there are no two ways about it. Talwarsons were in fact pioneers in getting BIS and 916 hallmarking for gold jewellery in North India,” reiterates Anil. %% “My father never took even a single holiday in his entire lifetime. I worked with him for 28 years, and till his very last day, I always saw him working honestly and with total enthusiasm and commitment. I myself believe in the maxim of “Work hard, play hard”. I still put in 12 hours of work everyday,” he adds. %% Having said that, Anil's fondness for travel is well known too – he has travelled to an estimated 53 countries for both business dealings and family vacations. Family is very important to him and he speaks warmly about Neena, his wife who supports him in all his endeavours. In 1996, he set up an exports business and was soon successfully supplying diamond jewellery to major stores in the US. %% Anil is a strong supporter of traditional jewellery making and craftsmanship. He travels extensively in the country and sources masterpieces from master craftsmen and designers from various regions to maintain the authenticity of each piece. Only original masterpieces created by the craftsmen of the region make their way to the Talwarsons collection of exquisite jewellery – this is his attempt to ensure that the age old traditions of jewellery making in India remain intact to some extent. He is a veritable encyclopaedia on the jewellery business and the jewellery making styles in the various regions of India and has put this knowledge to excellent use through writing.

“Besides the jewellery business and my love for travelling, I also enjoy writing,” he says. His articles have been published in the Tribune, Hindustan Times and The Times of India. “Most of these articles are aimed at disseminating correct information about jewellery to the consumers. I believe that the customer should be able to buy jewellery with confidence and clarity and my writing was aimed at simply and clearly explaing the finer nuances of jewellery and buying jewellery.” %% Anil Talwar was also one of the founding members of the All India Gems and Jewellery Trade Federation. He was initially part of the Governing Board of Directors and then was elevated to the prestigious Senior Board of Directors. “I was an active member, till recently,” he says. “Expansion plans at Talwarsons are taking up all my time, once that is done, I plan to resume my work at the GJF.” Speaking about the expansion plans, Anil explains, “We intend to make Talwarsons the biggest jewellers in the North of India. Several plans are in the offing and some of them have already been implemented – the Jewellery Couture Show for instance. This show is an annual extravaganza and we have had celebrities like Zeenat Aman, Hema Malini, Esha Deol, Ranjeet and other luminaries grace the shows. Publications like the JCS are also on the anvil.” %% Anil's long innings in the industry has seen its fair share of ups and downs. “By the grace of God, the ups have been more than the downs. We have been seeing 50 per cent year-on-year growth for the past 10 years – sometimes I get a feeling this is all very unreal! I have seen all aspects of the retail business. When I started, the store was very small; we used to never have enough ready cash to buy even the basic stock like chains and bangles. As Talwarsons grew, I was able to see things from different perspectives – the small retailer just making ends meet, the medium sized retailer doing brisk business, the large size retailer who can afford the really heavy designs and the luxury retailer who has a very exclusive clientele. Seeing and doing business from the grassroots level up ensured that I remained thoroughly grounded even as I dream of bigger and better things for the business.” %% Along with the changes in his own business, he has seen the industry on the whole go through tempestuous times – from the boom to the slump and now the revival. “The industry is going through a massive shakedown – and I have been observing this for the past 10 years. It is maturing very fast -- only the toughest and the most adaptable will survive. In fact, in terms of volume, the top 2per cent of jewellers control almost 50 per cent of the business in India – and I reckon this figure will rise to almost 80 per cent in the next 10 years. As it is, those who are doing well are doing fabulously well, and those who are not are perishing slowly and surely. To survive the onslaught, the jeweller has to be a master of all departments – design, procurement, accounts, inventory, purchase, technology...jewellery retail is vastly different from any other retail – and as such only the ones who truly dedicate themselves to the business or have sarafi in their blood like me will grow and do well,“ emphasises Anil offering interesting insights into the present state of the industry.

Talwarsons were in fact pioneers in getting BIS and 916 hallmarking for gold jewellery in North India - I believe that the customer should be able to buy jewellery with confidence and clarity – and my writing was aimed at simply and clearly explaing the finer nuances of jewellery and buying jewellery. %% Indian jewellery is very unique...we have the best of designs here and a long, long tradition of jewellery buying and design. %% Being a true blue blooded jeweller, I will keep coming to the store even after I grow old, but the policy making, the decision making, the work will belong to my successors.

Ask him about retirement and the answer is an even-handed affirmative and negative. “It is important to let the younger generation make its own mistakes. Teach them the basics and let them build upon the foundation. Advise them, but let them find their own path. To that end, being a true blue blooded jeweller, I will keep coming to the store even after I grow old, but the policy making, the decision making, the work will belong to my successors. I will be there to advise them, supervise and oversee the working if they need me...Of my two sons, Dhruv did his graduate gemmology course from the GIA headquarters in the US and has joined me full time. The younger one Vikram is pursuing his Business Economics course in Manchester, UK – I have let them both navigate their own course. I have dabbled quite successfully in the real estate business too, and some projects there are also going to keep me very busy,” he declares. %% From his reservoir of knowledge gained over the years come a few pearls of wisdom for the current crop of jewellers. ”Indian jewellery is very unique -- we have the best of designs here and a long, long tradition of jewellery buying and design. In fact, we don't even need to compete with the so-called top luxury brands of the world. The Indian market is totally different from the European or the American market – it's a totally different ball game. Innovation is imperative. The jeweller needs to realise that doing the same thing that other jewellers are doing is obviously going to give him the same results as them. Practical knowledge is a must -- learning and applying the learning is vital. So, think for yourself. Objectively analyse every aspect of the trade. Remember, thinking is the key to success. Don't limit yourself, many people limit themselves to what they think they can do, you can go as far as your mind lets you. What you believe, remember, you can achieve,” is how Anil Talwar, jeweller, traveller, writer, astute businessman and complete family man sums up his philosophy, life and times!

The Talwar family has been in the jewellery retail trade for more than six generations and Anil Talwar's single-minded dedication and farsighted vision has propelled the business towards dizzying heights, learns Roli Gupta.%% I had just completed my class 10 ICSE examinations,” recounts Anil Talwar, speaking about the beginning of what became a long, illustrious career in the jewellery trade. “This was in November 1977. In those days, the CBSE exam was held in April, so there was a long period of 8 months when the ICSE students had practically nothing to do – not for me though. I was fascinated by the jewellery trade from the outset. Instead of wasting my time, I started sitting at the store, learning the business in its entirety – starting from accounts to inventory to purchasing.” %% The early fascination kindled a real interest within the short time he had spent familiarising himself with the trade. “In 1978, I even went to Mumbai and stayed with my father's close friend who taught me the intricacies of the business,” Anil remembers. “By 1979 – and I was only 17 then – I was completely hooked to the jewellery retail trade. A year later, I officially joined the store and became partner at the age of 18!” %% Talwarsons Jewellers happens to be one of the oldest jewellery retailers in North India. Anil, in fact, is the seventh generation of the family. The Talwarsons story of fame and fortune in the true sense of the word started in 1953 – when the late Sat Pal Talwar came to Chandigarh from a small village, Garhdiwala in Punjab, with his father and two brothers. The first store in Chandigarh was inaugurated on the 30th April, 1954. Sat Pal Talwar was very dedicated and passionate towards his work and slowly the business began to flourish. %% “I was born in 1962 and “sarafi mere khoon mein hi thi” (the jewellery business was in my blood),” says Anil reminiscing about a joyful, carefree childhood. “I was quite a good student in school – St John's in Chandigarh and enjoyed it too. Sports were always my favourite – I was a champion marathon runner, and for a very long time, almost 30 years, the record time for marathon running set by me remained unbroken. Skating was also a passion and I represented my city, but an unfortunate injury put an end to my skating career.”

Graduation at the Government College, Chandigarh and very good scores at the GRE and TOEFL meant that he had the pick of invitations from American universities to choose from but the sarafi in his blood made him stay back to handle the business. Thirteen years passed – a span in which the combined efforts of the Talwar family – Anil, his cousins, father and uncles ensured that the business grew steadily. In 1993, the late Sat Pal Talwar and Anil exited the Talwar Group, took over Talwar Diamonds and renamed it Talwarsons Jewellers – the parting fortunately was amicable. %% Anil speaks ever so respectfully of his father's elder brother's influence on his thinking. “Besides my father and paternal uncle, my grandfather was a major influence for me, though he passed away when I was only seven. In fact the values and principles inculcated by my grandfather hold true for the entire Talwar family even today. I belong to the old school of thought to date, it may sound unbelievable, but I have never borrowed any money from any bank. All my dealings are in cash even with my vendors. Total, complete honesty is the key to succeeding in business – there are no two ways about it. Talwarsons were in fact pioneers in getting BIS and 916 hallmarking for gold jewellery in North India,” reiterates Anil. %% “My father never took even a single holiday in his entire lifetime. I worked with him for 28 years, and till his very last day, I always saw him working honestly and with total enthusiasm and commitment. I myself believe in the maxim of “Work hard, play hard”. I still put in 12 hours of work everyday,” he adds. %% Having said that, Anil's fondness for travel is well known too – he has travelled to an estimated 53 countries for both business dealings and family vacations. Family is very important to him and he speaks warmly about Neena, his wife who supports him in all his endeavours. In 1996, he set up an exports business and was soon successfully supplying diamond jewellery to major stores in the US. %% Anil is a strong supporter of traditional jewellery making and craftsmanship. He travels extensively in the country and sources masterpieces from master craftsmen and designers from various regions to maintain the authenticity of each piece. Only original masterpieces created by the craftsmen of the region make their way to the Talwarsons collection of exquisite jewellery – this is his attempt to ensure that the age old traditions of jewellery making in India remain intact to some extent. He is a veritable encyclopaedia on the jewellery business and the jewellery making styles in the various regions of India and has put this knowledge to excellent use through writing.

“Besides the jewellery business and my love for travelling, I also enjoy writing,” he says. His articles have been published in the Tribune, Hindustan Times and The Times of India. “Most of these articles are aimed at disseminating correct information about jewellery to the consumers. I believe that the customer should be able to buy jewellery with confidence and clarity and my writing was aimed at simply and clearly explaing the finer nuances of jewellery and buying jewellery.” %% Anil Talwar was also one of the founding members of the All India Gems and Jewellery Trade Federation. He was initially part of the Governing Board of Directors and then was elevated to the prestigious Senior Board of Directors. “I was an active member, till recently,” he says. “Expansion plans at Talwarsons are taking up all my time, once that is done, I plan to resume my work at the GJF.” Speaking about the expansion plans, Anil explains, “We intend to make Talwarsons the biggest jewellers in the North of India. Several plans are in the offing and some of them have already been implemented – the Jewellery Couture Show for instance. This show is an annual extravaganza and we have had celebrities like Zeenat Aman, Hema Malini, Esha Deol, Ranjeet and other luminaries grace the shows. Publications like the JCS are also on the anvil.” %% Anil's long innings in the industry has seen its fair share of ups and downs. “By the grace of God, the ups have been more than the downs. We have been seeing 50 per cent year-on-year growth for the past 10 years – sometimes I get a feeling this is all very unreal! I have seen all aspects of the retail business. When I started, the store was very small; we used to never have enough ready cash to buy even the basic stock like chains and bangles. As Talwarsons grew, I was able to see things from different perspectives – the small retailer just making ends meet, the medium sized retailer doing brisk business, the large size retailer who can afford the really heavy designs and the luxury retailer who has a very exclusive clientele. Seeing and doing business from the grassroots level up ensured that I remained thoroughly grounded even as I dream of bigger and better things for the business.” %% Along with the changes in his own business, he has seen the industry on the whole go through tempestuous times – from the boom to the slump and now the revival. “The industry is going through a massive shakedown – and I have been observing this for the past 10 years. It is maturing very fast -- only the toughest and the most adaptable will survive. In fact, in terms of volume, the top 2per cent of jewellers control almost 50 per cent of the business in India – and I reckon this figure will rise to almost 80 per cent in the next 10 years. As it is, those who are doing well are doing fabulously well, and those who are not are perishing slowly and surely. To survive the onslaught, the jeweller has to be a master of all departments – design, procurement, accounts, inventory, purchase, technology...jewellery retail is vastly different from any other retail – and as such only the ones who truly dedicate themselves to the business or have sarafi in their blood like me will grow and do well,“ emphasises Anil offering interesting insights into the present state of the industry.

Talwarsons were in fact pioneers in getting BIS and 916 hallmarking for gold jewellery in North India - I believe that the customer should be able to buy jewellery with confidence and clarity – and my writing was aimed at simply and clearly explaing the finer nuances of jewellery and buying jewellery. %% Indian jewellery is very unique...we have the best of designs here and a long, long tradition of jewellery buying and design. %% Being a true blue blooded jeweller, I will keep coming to the store even after I grow old, but the policy making, the decision making, the work will belong to my successors.

Ask him about retirement and the answer is an even-handed affirmative and negative. “It is important to let the younger generation make its own mistakes. Teach them the basics and let them build upon the foundation. Advise them, but let them find their own path. To that end, being a true blue blooded jeweller, I will keep coming to the store even after I grow old, but the policy making, the decision making, the work will belong to my successors. I will be there to advise them, supervise and oversee the working if they need me...Of my two sons, Dhruv did his graduate gemmology course from the GIA headquarters in the US and has joined me full time. The younger one Vikram is pursuing his Business Economics course in Manchester, UK – I have let them both navigate their own course. I have dabbled quite successfully in the real estate business too, and some projects there are also going to keep me very busy,” he declares. %% From his reservoir of knowledge gained over the years come a few pearls of wisdom for the current crop of jewellers. ”Indian jewellery is very unique -- we have the best of designs here and a long, long tradition of jewellery buying and design. In fact, we don't even need to compete with the so-called top luxury brands of the world. The Indian market is totally different from the European or the American market – it's a totally different ball game. Innovation is imperative. The jeweller needs to realise that doing the same thing that other jewellers are doing is obviously going to give him the same results as them. Practical knowledge is a must -- learning and applying the learning is vital. So, think for yourself. Objectively analyse every aspect of the trade. Remember, thinking is the key to success. Don't limit yourself, many people limit themselves to what they think they can do, you can go as far as your mind lets you. What you believe, remember, you can achieve,” is how Anil Talwar, jeweller, traveller, writer, astute businessman and complete family man sums up his philosophy, life and times!