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his lack of training Samarendra Babu had great capacities for business, and seldom lost a chance of profit-making. He saw that people around him stood in constant need of funds to defray the cost of religious and family rites, and were ready to pay 60 per cent. for loans—at least they undertook to do so. It occurred to him that if he lent money on unimpeachable security at something under the market rates, he could not fail to make a large fortune. Soon after he had set up as a banker, the neighbours flocked to him for advances, which he granted only to such as could offer substantial security; his charges by way of interest being 30 to 40 per cent. He also started a business in lending ryots rice for their seed-grain and support till the harvest should be reaped. It is needless to add that his clients paid heavily for this accommodation. So rapidly did his dealings increase that he sought an agent to represent him at the district headquarters; and particularly to buy up defaulters' estates at the auctions which