Beharil Surajmul was the greatest moneylender in Dowlutpoor. He was a man of rare talents. He remembered the face of every man who had at any time come to borrow money of him since he began to work, as a little boy, in his father's office, so that it was impossible to deceive him. He had also such a miraculous skill in the making out of accounts that a poor man who had come to him in extremity for a loan of fifty rupees, to meet the expenses of his daughter's marriage, might go on making payments for the remainder of his life without reducing the debt by one rupee. In fact, it seemed to increase with each payment.
And if the matter went into court, Beharilal never failed to show that there was still a balance due to him much larger than the original loan. But so courteous and pleasant was the Seth in his manner to all that such matters never went into court until the right time, of which he was an infallible judge, for he knew the private affairs of every family in Dowlutpoor. Then a decree was obtained and the debtor's house, or land, was sold to defray the debt, Beharilal himself being usually the purchaser, though not, of course, in his own name, for he was a prudent man.
By these means Beharilal had become possessed of large estates, which he managed with such skill that they yielded to him revenues which they had never yielded to the former owners of them, while his tenants, who were mostly former owners, grew daily more deeply involved in their pecuniary obligations to him, and therefore entertained no thought of leaving him, for he could put them into prison any day if he chose. Their contentment gave him great satisfaction, and he treated them with benevolence, giving them advances of money for all their necessary expenses and appropriating the whole of their crops at the harvest to repay himself. He bound them to buy all that they had need of at his shop, so that he made profit off them on both sides.
And as his wealth increased, his person increased with it and his appearance became more imposing, so that he was regarded everywhere with the highest respect and esteem. He was, moreover, a very religious man and charitable beyond most. By early risers he might be seen in his garden seeking out the nests of ants and giving them, with his own hands, their daily dole of rice. It was his benevolent thoughtfulness which had supplied drinking troughs for the flocks of pigeons that continually plundered the stores of the other grain merchants. He had also established a pinjrapole for aged, sickly and ownerless animals of all kinds. To this he required all his tenants to send their bullocks when they became unfit for work, and he sold them new cattle, good and strong, at prices fixed by himself. If any of his old debtors, when reduced to beggary, came to his door for alms, they were never sent away without a handful of rice or a copper coin. He kept a bag of the smallest copper coins always at hand for such purposes.
Beharilal had a fine house, designed by himself and surrounded by a vast garden stocked with mangoes, guavas, custard apples, oranges and other fruit trees, and made beautiful and fragrant with all manner of flowers. The cool shade drew together birds of many kinds from the dry plains of the surrounding country, and it pleased Beharilal to think that they also were recipients of his bounty and that the benefits which he conferred on them would certainly be entered to the credit of his account with Heaven.
Some he fed, such as the crows, which flocked about the back door, like a convocation of Christian padres, in the morning and afternoon, when the ladies of his family gave out their portion of boiled rice and ghee. The pigeons also came together in hundreds in an open space under the shade of a noble peepul tree, where grain was thrown out for them at three o'clock every day; and among them were many chattering sparrows and not a few green parrots, which walked quaintly among the bustling pigeons, their long tails moving from side to side like the pointer of the scale on which the Bunia weighed his rupees. This resemblance struck him as he reclined against the fat red cushion in his verandah summing up his gains. There were other birds which would not eat his food, but found abundance, suited to their respective castes, among the shrubs and trees that he had planted. Mynas walked eagerly on the lawns looking for grasshoppers, glittering sunbirds hovered over the flowers, thrusting their slender bills into each nectar-laden blossom, bulbuls twittered among the mulberries and the koel made the shady banian tree resound with its melodious notes.
In a remote corner of the garden, under the dark shade of a tamarind, there stood a small shrine, like a whitewashed tomb, with a niche or recess on one side of it containing a conical stone smeared with red ochre. Some called it Mahadeo and some Khandoba, but no one could explain the presence of a Mahratta god in a Bunia's garden in Dowlutpoor, except by quoting an old tradition about one Narayen who had come from the Mahratta country and lived for many years in this place. Some said he was a prosperous goldsmith of great piety, but others maintained that he was a Sunyasee, or saint, and there was no certainty in the matter. The one point on which all were agreed was the great sanctity of the shrine, and Beharilal was most careful to perform at it every ceremony which custom, or tradition, sanctioned for placating the god and averting any calamity that might arise from his displeasure.
At the base of one of the old cracked walls of the shrine there was a hole which was the den of a very large, black cobra. Several times it had been seen in the garden, and, when pursued, had glided into this hole and escaped. When Beharilal first heard of it he was much troubled in his mind, but, having consulted a Brahmin, he gave strict injunctions that the reptile should not be molested, and since that time he had never failed to place an offering of milk near to the hole in the morning and in the evening.
Now it happened that at this time there was in Dowlutpoor an English doctor who was generally known as the Jadoo-walla Saheb, because he was believed to practise sorcery and had some mysterious need of snakes. Perhaps he was only making experiments with their venom. At any rate, he wanted live cobras and offered a good price for them. So when Nagoo, the snake-charmer, heard that there was a large one in Beharilal's garden, he thought he might do good business by capturing it for the Jadoo-walla Saheb, and at the same time demanding a reward from the timorous Bunia for ridding him of such a dangerous neighbour. With this intent he repaired to the garden with all the apparatus of his art, his flat snake baskets, his mongoose and his crooked pipe. Having reconnoitred the ground, he commenced operations by sitting down on his hams and producing such ear-splitting strains from the crooked pipe as might have charmed Cerberus to leave his kennel at the gate of hell. Great was his surprise and mortification when he heard the voice of Beharilal raised in tones of unwonted passion and saw a stalwart Purdaisee advancing towards him armed with an iron-bound lathee, who, without ceremony, nay, with abusive epithets, hustled him and all his gear out of the garden. Nagoo was a snake-charmer and by nature a gipsy, and this treatment rankled in his dark bosom.
Some weeks passed and the sun had scarcely risen when Beharilal sat in the ota in front of his house at his daily business, which began as soon as his teeth were cleaned and ended about eleven at night. The place was not tidy. Two or three mats were spread on the floor, a spare one was rolled up in a corner, several pairs of shoes were on the steps, umbrellas leaned against the wall, handles downwards, and a large chatty of drinking water stood beside them. The Bunia himself, bare-headed and bare-footed, sat cross-legged on a cushion, with a wooden stool in front of him, on which lay an open ledger of stout yellowish paper, bound in soft red leather and nearly two feet in length. In this he was carefully entering yesterday's transactions with a reed pen, which he dipped frequently in a brass inkpot filled with a sponge soaked in a muddy black fluid.