When a Balwa orchestrates a scam, you don’t know how much money was made. Even the Comptroller & Auditor General’s (CAG) accountants are confused about how to value the loss to the exchequer. The payoff is legally offered in the form of a Rs 200 crore loan to the Karunanidhi family. Is it a bribe? Tough to say. The Balwas are from the Gujarati mercantile caste, mostly Muslim, called Cheliyas. They are superb businessmen and the equal of Hindu merchant castes in running hotels and managing retail.