The Financial Expert Part II - Summary - R.K Narayan

As Margayya was disappointed with the priest and all his methods of deep prayer, he is now in a dire need of an worthy employment for himself. His earlier banking business produces no results, his old customers were reluctant to come near him because they fear he may demand their dues from them. So it was inevitable that his old business is gone forever.

Now he is idle and spends much of his time at home. His wife scolds him to do something to cover domestic expenses. After spending much of his fortune on the silly deed on the advice of the priest, he is now left with 25 rupees with rejection from Goddess Lakshmi. It was indignant for him to stay at home all day with numerous visitors coming and going. They ask his wife about her husband not going out to work. Her wife also seems to irritate by his stay and she scolds him for not doing anything. His neighbours took note of his stay and took it for his inability to pay his creditors.

After a month, he is left with 10 rupees and has to buy some rations and it occurred to him that this time he has to manage with ghee. Balu made a fuss about not being served with ghee. He decided to visit priest but to avail with no luck, he finds out that the priest had left for his indefinite pilgrimage. He felt cheated. The rude behaviour of the new priest added to his craving for money.

Now he plans to start a new venture related to producing snuff or tooth-powder. But the idea of Arul Doss or Secretary of Cooperative bank encounter him and make fun of him doing a petty business. Margayya can't afford to take insult from them. Then he thinks of doing something related to banking, his acquainted field.

While walking near a fountain and pondering his course of action, he encounters Dr.Pal, who wished him as a friend. Margayya was reluctant to have a conversation with him and has no intention to entertain him. But Dr Pal successfully takes him to his office. There both converse on various topics and Margayya seems to envisage the business he should do to make money. As Dr Pal understands human psychology, he sensed the desire of money in Margayya's eyes. He tells him that money and sex are two things which occupy men's mind.

He also discusses his plan of starting a sociology clinic which aims to create domestic happiness. He wishes to charge a small fee for it and he is confident of its relevance and reckons that it will earn him 500 rs easily. And his book 'bed life' was only a first step in his scheme. His book can fetch him lakhs of rupees. The idea of earning a lakh strikes a bell in Margayya's mind. Ultimately due to Pal's friendly gesture towards Margayya, he gives him the manuscript of the book and makes him an offer to consider. He demands the contents of Margayya's wallet in exchange for that manuscript. After a bit of perplexion on the part of Margayya, the deal was finalised.

Margayya takes the manuscript home with a wrapping to conceal its content to be seen. His wife took an interest in that wrapping and ask him about it. He tells her about the book and counts the advantages of its content told to him by Dr Pal. She finds it vulgar as it is with the case of all Indians who are prude to talk about sex.

A few days later, Margayya goes to Gordon Printery which was an eminent publishing firm in Malgudi. Its proprietor was Madan Lal, a well-versed businessman. At first, Margayya was nervous but he tries to keep his usual assertive characteristic. He meets Madan Lal and tells him his cause of visit i.e. publish his book. He tells him to wait as he has no time or leave the book there to be read upon later. Margayya refuses to leave it.

Due to Margayya's unrelenting nature, Madan Lal has to deal with him at the moment and intends to read the manuscript to consider it for publishing. The book seems interesting to Madan Lal and he leaves all his other preoccupations to grinding halt. He had to miss his lunch and content himself with restaurant food. He also offers Margayya to join him and he cherished it with the company of jalebis. When Madan completed the book, he wished to speak to his lawyers about the book which can be in violation of Obscenity law. At the mention of word 'lawyer', Margayya grows distasteful. Here we come to know about his reservations against lawyers.
It is partially because the secretary of cooperative society was a lawyer too and he thought that they all were troublemakers. With immense bargaining from both of them, Madan Lal flags two conditions prior to publishing the book, first, the deal would be in a 50-50 partnership. secondly,  the legal responsibility of the book lies solely with Maragyya and not Madanlal. The deal was made with the above provisions with no investment from Margayya.

The next day was busy for him to discuss technical matters of which he was totally ignorant. As we know our protagonist that he would not show his ignorance or weakness. In this case, he does it again. Lal asked him if he wanted to print on demy or crown. These terminals are used to determine paper size. To Margayya, it seems Greek or strange, in fact, he hasn't heard such things ever in his life. Concealing his ignorance, he puts the balls in Lal's court and asks him to choose the best one.
The only concern he can do is to check the costs of it. Lal tells him the cost in pounds, again it was a difficult situation for Margayya as he wasn't aware of which pound he is talking about: Lb Pound or shilling pence pound but he doesn't inquire about it because he fears that on hearing such things, Lal will abandon the deal. So he restrains his mouth.

Another lethal question awaits him, Lal gives him the choice of using ordinary ten-point Roman or the another one he uses for special purposes. It was nonsense for him but with his ingenuity, he managed to deal with it without exhibiting his ignorance about book publishing business.

In the end, Lal tells him that his lawyer' suggestion to change the name of book form bed life to domestic harmony.
The deal is finalised and the days of misery for Margayya are over, he is about to become rich.