Every NCERT book that matters for UPSC — open a book, then a chapter. Learn each chapter's concepts, then how UPSC tests them — with diagrams, flowcharts and the past questions to attempt.
Colonialism and the Countryside
Start here: why this chapter matters
The East India Company won the diwani (the right to collect revenue) of Bengal in 1765. Land revenue was its main income, so its first big experiments — a new regime of land rights and a new revenue system — began in the Bengal countryside and spread west as its territories grew. The book takes three snapshots: the zamindars of Bengal under the Permanent Settlement (1790s–1800s); the Rajmahal hills, where forest-dwelling Paharias and incoming Santhal settlers met (1770s–1850s); and the Bombay Deccan, where indebted ryots rose against moneylenders in 1875. Its subtitle — Exploring Official Archives — is the second thread: revenue records, survey journals, parliamentary reports and enquiry commissions, each read with its author’s purpose in mind.
- Links in this series: lehs204 (the Mughal countryside — raiyat, zamindars, jama — which this chapter’s colonial order replaced); keec101 (our Economics chapter on the colonial economy — Permanent Settlement, ryotwari and mahalwari in outline, commercialisation and the drain); lehs302 (the revolt of 1857, whose ‘spectre’ haunted officials in 1875); lehs303 (peasant satyagrahas under Gandhi).
- Earlier reading: Class 8 Our Pasts III, ‘Ruling the Countryside’ (Permanent Settlement, mahalwari, ryotwari, indigo) and ‘Tribals, Dikus and the Vision of a Golden Age’ (shifting cultivation, dikus, Birsa Munda).
- UPSC: GS1 modern history — land-revenue settlements, the Santhal rebellion, tribal and peasant movements, commercialisation of agriculture. Prelims has asked about Cornwallis’s settlement (1988, 2011, 2024), ryotwari (1993, 2012), the causes of tribal insurrection (2011), measures after the Santhal uprising (2018), Tebhaga (2013) and the order of 19th-century revolts (1999); Mains asked in 2023 how colonial rule affected tribals and how they responded.
| Word | What it means here |
|---|---|
| Diwani | The right to collect revenue (Bengal, 1765) |
| Raja; taluqdar | A powerful zamindar (literally ‘king’); ‘one who holds a taluq’ (a connection, later a territorial unit) |
| Zamindar (under the Permanent Settlement) | Not a landowner in the village but the state’s revenue collector for an estate of many villages |
| Mahal; jama; kist | An estate; the revenue demand; an instalment |
| Sunset Law | If revenue was not paid by sunset of the due date, the zamindari could be auctioned |
| Ryot; under-ryot | British spelling of raiyat (peasant); a sub-tenant to whom a ryot leased land |
| Jotedar (also haoladar, gantidar, mandal) | Rich peasant, trader and moneylender with vast lands, strongest in North Bengal |
| Adhiyar / bargadar | Sharecropper who brought his own plough and gave half the produce to the jotedar |
| Amlah; cutcherry; pottah | Zamindar’s rent-collecting officer; office or court; deed of contract (patta) |
| Benami; lathyal; proja | Transaction in a fictitious or minor person’s name; zamindar’s stick-wielding strongman; subjects |
| Damin-i-Koh | Tract demarcated in 1832 as the land of the Santhals at the foot of the Rajmahal hills |
| Diku | Outsider — the Santhals’ word for the moneylenders (and others) who exploited them |
| Ryotwari | Revenue settled directly with the ryot; resurveyed every 30 years |
| Rentier | Someone who lives on rental income from property |
| Sahukar / sowkar; bahi khata | Moneylender-cum-trader; account book |
| Aquatint; picturesque | Print made by etching a copper plate with acid; a painterly ideal (from Romanticism) that saw beauty in rough, wild, irregular nature |
- First Deccan settlement: timeline 1818; text ‘the 1820s’ (and later ‘the 1820s and 1830s’). Beyond NCERT: 1818 is when the Company annexed the Peshwa’s territories after the Third Anglo-Maratha War; the first ryotwari assessments followed in the 1820s. Safe line: Deccan annexed 1818; first settlement in the 1820s.
- Prices: timeline ‘1820s prices begin to fall’; text ‘prices fell sharply after 1832’ and stayed low for a decade and a half. Both can stand — falling from the 1820s, collapsing after 1832.
- Leftovers from older numbering: the text’s ‘see Fig. 10.15’ means Fig. 9.15, and ‘see Chapter 11’ for 1857 now means the next theme (our lehs302).
At a glance — the six ideas to carry away
- Bengal: Permanent Settlement 1793 (Cornwallis) with rajas and taluqdars as zamindars; demand fixed for ever; Sunset Law; Burdwan auction 1797 — over 95% of sales fictitious; over 75% of zamindaris changed hands.
- Why defaults: high demand, depressed prices, rigid punctual payment, curbed powers. Survival: benami sales, estates put in women’s names, lathyals, ryots as loyal proja. Jotedars (rich peasants, North Bengal) with adhiyars/bargadars undercut zamindars.
- Fifth Report (submitted 1813, 1,002 pages): invaluable but written to criticise Company misrule — it exaggerated the zamindars’ collapse.
- Rajmahal hills: Paharias (hoe, shifting cultivation, forest, raids and tribute) vs Santhals (plough, settled rice and cotton). 1770s extermination → 1780s Cleveland’s pacification → Damin-i-Koh 1832 → Santhal revolt 1855–56 → Santhal Pargana.
- Bombay Deccan: ryotwari — revenue settled with the ryot, resurveyed every 30 years (Ricardo); 1820s harsh demand, 1832–34 famine, mounting debt; cotton boom 1861–65, then credit dries up and demand rises 50–100%.
- 1875: ryots at Supa (Poona) burn sahukars’ bahi khatas and bonds; customs broken (interest above principal), Limitation Law 1859 turned around; Deccan Riots Commission (report 1878) blamed moneylenders, not revenue.
1. Bengal and the Permanent Settlement
An auction in Burdwan. In 1797 several mahals (estates) of the Raja of Burdwan (present-day Bardhaman) were publicly auctioned because he had piled up huge arrears. The Permanent Settlement had come into operation in 1793: the Company fixed what each zamindar had to pay and auctioned the estates of defaulters. The Collector then found that many buyers were the raja’s own servants and agents; over 95 per cent of the sale was fictitious, and the raja stayed in control. Burdwan was not alone — over 75 per cent of zamindaris changed hands after the Settlement.
Why a permanent settlement? By the 1770s Bengal’s rural economy was in crisis — recurrent famines and falling output. Officials reasoned that agriculture, trade and revenue could all grow if investment was encouraged by securing property rights and fixing the revenue demand for ever: the Company would get a regular flow of revenue, and investors could keep the profit from improvements because the state would not raise its claim. They hoped for a class of yeomen farmers and rich landowners with capital and enterprise — a class, nurtured by the British, that would also be loyal to the Company. After long debate the settlement was made with the rajas and taluqdars, now classified as zamindars. Under this definition the zamindar was not a landowner in the village but a revenue collector of the state. A zamindari could cover many villages (sometimes 400), treated as one revenue estate; the zamindar collected rent from the villages, paid the fixed revenue and kept the difference — and faced auction if he failed to pay.
- Fig. 9.2: a photograph of a tall, rounded, cream-and-green building with tiers of louvred windows and rows of columns. The caption: by the late 19th century many rich Bengal zamindars had city palaces with ballrooms, grounds and porches on Corinthian columns. Point: the zamindars who survived became urban, Europeanised elites living away from their villages — which helps explain the jotedars’ grip in the villages (section 2).
- Fig. 9.3: a half-length oil portrait of a heavy-set officer in a red coat. The caption: Cornwallis (1738–1805) commanded British forces in the American War of Independence and was Governor-General when the Permanent Settlement was introduced in 1793. Point: the Settlement is tied to a named policy-maker — a frequent Prelims hook.
Why zamindars defaulted. Officials expected a fixed demand to give zamindars security and a motive to improve. Instead, in the early decades unpaid balances piled up, for four reasons NCERT lists: (1) the initial demand was very high, because the Company, unable ever to raise it, wanted to cover future price rises and expanding cultivation; (2) it was imposed in the 1790s, when agricultural prices were depressed, so ryots could not pay rent; (3) the revenue was invariable regardless of the harvest and had to be paid punctually — by the Sunset Law, if payment did not arrive by sunset of the due date, the zamindari was liable to auction; (4) the Settlement limited the zamindar’s power: his troops were disbanded, customs duties abolished, his cutcheries (courts) put under a Company Collector; he lost control of local justice and police, and the collectorate became a rival centre of authority. In one case an official was told to ‘destroy all the influence and the authority’ of a defaulting raja.
Collecting rent was a perennial problem. The zamindar’s officer, the amlah, came to the village at rent time, but bad harvests and low prices made payment hard, and ryots sometimes deliberately delayed. Rich ryots and village headmen — jotedars and mandals — were happy to see the zamindar in trouble. The zamindar could prosecute defaulters, but the courts were slow: in Burdwan alone over 30,000 suits for arrears of rent were pending in 1798. (NCERT notes that ‘ryot’ is the British spelling of raiyat, and that Bengal ryots did not always cultivate themselves but leased land to under-ryots.)
- The Permanent Settlement grew out of the ten-year (decennial) settlement of 1789–90, which was declared permanent in 1793. It applied to Bengal and Bihar and was later extended to Orissa, the Benares region and parts of northern Madras — not to most of British India (keec101 compares mahalwari and ryotwari).
- Zamindars complained that they could not discipline ryots; later regulations (1799 and 1812) gave them sweeping powers to seize defaulting ryots’ property — one reason historians link the Settlement to rising litigation (UPSC 2011, below).
- Under the Permanent Settlement the zamindar was, in law, a revenue collector for an estate — NCERT’s phrase — and his property right was secure only as long as he paid on time.
- Sunset Law: miss the payment date → estate liable to auction. UPSC 2024 asked exactly this (statement 2 true); statement 1 — that ryotwari peasants were exempted in bad years — is false.
- Fixed ‘in perpetuity’ cuts both ways: no increase for the state, but no remission for bad harvests either.
- The Assertion–Reason of UPSC 1988 is keyed (a): Cornwallis introduced the zamindari settlement because the British wanted a landed class to support them — matching NCERT’s ‘loyal to the Company’.
2. Jotedars rise, zamindars resist
The jotedars. Francis Buchanan’s survey of Dinajpur in North Bengal describes a class of rich peasants, the jotedars, who by the early 19th century held vast lands — sometimes several thousand acres — and controlled local trade and moneylending. Much of their land was worked by sharecroppers — adhiyars or bargadars — who brought their own ploughs and handed over half the produce. Unlike zamindars, who often lived in towns, jotedars lived in the villages and directly controlled many poor villagers. They resisted zamindars’ efforts to raise the village jama, obstructed zamindari officials, mobilised dependent ryots and delayed payments; when estates were auctioned, jotedars were often among the buyers. Strongest in North Bengal, such rich peasants and headmen — called haoladars, gantidars or mandals elsewhere — rose across Bengal and weakened zamindari authority.
The zamindars resist. Their authority did not collapse; new pressures produced new strategies. The best known is the fictitious sale. The Burdwan raja first transferred part of his zamindari to his mother, since the Company had decreed that women’s property would not be taken over. Then his agents manipulated the auctions: revenue was withheld, arrears allowed to grow, and when part of the estate came up for sale the raja’s men outbid everyone — and then did not pay, forcing a resale, again and again, until the state and rival bidders were exhausted and the estate went back to the zamindar at a low price. The full demand was never paid, and the arrears were rarely recovered. Between 1793 and 1801, four big zamindaris including Burdwan made benami purchases worth as much as Rs 30 lakh; over 15 per cent of all auction sales were fictitious.
Other defences. Outsiders who bought an estate could not always take possession: their agents were attacked by the old zamindar’s lathyals, and sometimes the ryots themselves resisted, feeling bound to their own zamindar as his proja (subjects) — a sale wounded their sense of identity and pride. From the early 19th century the price depression ended and payment rules became somewhat flexible, so surviving zamindars consolidated their power. Only in the Great Depression of the 1930s did they finally collapse, and the jotedars consolidated their hold on the countryside.
- Fig. 9.6: a portrait of a moustached young man in a tall embroidered cap and dark, richly bordered robe. The caption: Tejchand was the Raja of Burdwan when the Settlement was imposed; under Mehtab Chand (1820–79) the estate prospered, and he helped the British during the Santhal rebellion and the 1857 revolt. Point: the Burdwan raj not only survived the 1790s but became a pillar of colonial order — evidence for the book’s ‘zamindars were not easily displaced’.
- Fig. 9.7: a photograph of a long colonnade of tall, cracked, brick-showing columns in front of a decaying mansion. The caption: palace ruins mark the end of an era; Satyajit Ray’s film Jalsaghar, on the decline of aristocratic zamindari life, was shot here (Beyond NCERT: the film is from 1958). Point: the zamindars’ long decline, ending in the 1930s and after.
- Over 95% fictitious = the single Burdwan auction of 1797; over 15% fictitious = all auction sales, 1793–1801. Don’t mix them.
- Jotedars were rich peasants living in villages, not zamindars; adhiyars/bargadars were their sharecroppers who gave half the crop. The Tebhaga movement of 1946–47 (Beyond NCERT) demanded that the sharecropper keep two-thirds, cutting the jotedar’s share from half to one-third (UPSC 2013).
- Zamindars finally collapsed in the 1930s Depression, not in the 1790s.
3. The Fifth Report: reading an official source
Many of these changes were documented in a report submitted to the British Parliament in 1813, the fifth in a series on the Company’s administration — the Fifth Report. It ran to 1,002 pages, over 800 of them appendices: petitions of zamindars and ryots, collectors’ reports, revenue statistics, and officials’ notes on revenue and judicial administration in Bengal and Madras.
Why it was written. From the mid-1760s the Company was closely watched in Britain. Groups opposed its monopoly of trade with India and China and wanted the Royal Charter revoked; private traders wanted a share; industrialists wanted the Indian market opened to British manufactures; politicians argued that the conquest of Bengal benefited only the Company, not the nation. Company greed and corruption were widely publicised. Parliament passed a series of Acts in the late 18th century to regulate Company rule, demanded regular reports and appointed committees. The Fifth Report, produced by a Select Committee, became the basis of intense debate on the nature of Company rule.
How to read it. For over a century and a half the Report shaped how rural Bengal in the late 18th century was understood. Its evidence is invaluable, but researchers working in zamindars’ own archives and district records show that, intent on criticising Company maladministration, it exaggerated the collapse of zamindari power and overestimated how much land zamindars were losing — as the benami buy-backs show, an auction did not always mean a zamindar was displaced.
- Most reference works date the Fifth Report to 1812 (the Select Committee’s report on the eve of the Charter renewal); NCERT says it was submitted in 1813. For NCERT-based questions use 1813; know that both appear.
- The Charter Act of 1813 ended the Company’s monopoly of trade with India, keeping its monopoly of the China trade and the tea trade — the outcome the anti-monopoly groups NCERT describes were pressing for.
- The Regulating Act (1773) and Pitt’s India Act (1784) are the ‘series of Acts’ NCERT mentions; the second set up a Board of Control in Britain.
4. The Paharias of the Rajmahal hills
Moving from the wet, settled plains of Bengal to drier hills, the book follows the expanding frontier of peasant farming as it swallowed pastures and forests in the Rajmahal hills. When Buchanan travelled there in the early 19th century, the hills seemed impenetrable and dangerous; people were hostile, would not talk to officials and often deserted their villages. His journal is a diary of a moment — vivid but limited — so historians turn to late-18th-century revenue records for the longer story.
Life of the Paharias. The revenue records call these hill people Paharias. They lived by forest produce and shifting cultivation: clearing a patch by cutting bushes and burning the undergrowth, sowing pulses and millets in soil enriched by the potash of the ash, scratching the ground lightly with hoes, cultivating a few years, then leaving it fallow and moving on. From the forest they collected mahua flowers for food, silk cocoons and resin for sale, and wood for charcoal; undergrowth and fallow grass fed their cattle. Hunters, shifting cultivators, gatherers, charcoal makers, silkworm rearers — their life was bound to the forest. They lived in hutments among tamarind groves, saw the whole region as their land — the basis of identity and survival — and resisted intruders. Chiefs kept the group united, settled disputes and led battles.
Raids, tribute and a fragile peace. From the hills the Paharias regularly raided the plains: to survive in scarce years, to assert power over settled communities, and to negotiate political relations with outsiders. Plains zamindars often bought peace with a regular tribute to hill chiefs; traders paid a small toll to use passes the Paharias controlled, and were then protected. This negotiated peace broke down in the last decades of the 18th century as the frontier of settled agriculture was aggressively extended: the British encouraged forest clearance, and zamindars and jotedars turned waste into rice fields. For the British, settled farming meant more land revenue, export crops and an ordered society; they associated forests with wildness and forest people with savagery, and wanted forests cleared and forest people ‘tamed’ into plough cultivators. As forests and pastures shrank, Paharia raids grew, carrying off grain and cattle.
Pacification and its effects. Under Cleveland’s scheme in the 1780s, chiefs got an annual allowance and were made responsible for their men’s conduct. Many refused; those who accepted often lost authority, seen as stipendiary chiefs — subordinate employees of the colonial government. The Paharias withdrew deep into the mountains and kept up a war with outsiders. So when Buchanan passed through in the winter of 1810–11, he met suspicion: memories of brutal repression made every white man seem part of a power destroying their life and seizing their forests and lands. By then a new danger had appeared — Santhal settlers clearing and ploughing the lower hills. If the hoe symbolised Paharia life, the settlers stood for the plough: ‘the battle between the hoe and the plough was a long one’.
- Ethnographers distinguish groups such as the Sauria (Maler) Paharia and Mal Paharia in the Rajmahal hills of today’s Jharkhand; NCERT uses ‘Paharias’ for the hill people as a whole.
- Cleveland died in 1784; a memorial to him stands at Bhagalpur.
5. The Santhals: from pioneer settlers to rebels
The view from Gunjuriya. At the end of 1810 Buchanan crossed Ganjuria Pahar and reached a village whose land had been newly cleared. He saw a landscape transformed by ‘proper application of human labour’ and imagined how ‘glorious’ the country could be; the rocky soil was ‘uncommonly fine’ and he had never seen finer tobacco and mustard. The pioneers were the Santhals, who had moved in around 1800, displaced the hill people of the lower slopes and cleared the forest.
How the Santhals came. They had begun entering Bengal around the 1780s. Zamindars hired them to reclaim land; British officials invited them to settle in the Jangal Mahals. Having failed to turn the Paharias — who would not cut forests or touch the plough — into settled farmers, the British turned to the Santhals, who seemed ideal settlers. They were given land at the foot of the hills, and by 1832 a large area was demarcated as the Damin-i-Koh, declared the land of the Santhals, where they were to live as settled plough cultivators. The grant required at least one-tenth of the area to be cleared and cultivated within the first ten years. The territory was surveyed and mapped and enclosed with boundary pillars, separating it from both the plains and the Paharias’ hills.
Expansion. Santhal villages grew from 40 in 1838 to 1,473 by 1851; their population from about 3,000 to over 82,000 — and more revenue flowed to the Company. Santhal myths and songs of the 19th century tell of a long history of travel, a tireless search for a place to settle; in the Damin that journey seemed to end. The Paharias, cut off from the lower hills and valleys, were confined to the dry, barren, rocky upper hills. Shifting cultivation needs fresh land and naturally fertile soil, so with the best soils now inside the Damin they could not sustain it, and forest clearing hurt the hunters — a long-term impoverishment. The Santhals, by contrast, gave up mobility, grew commercial crops and dealt with traders and moneylenders.
Land slipping away — and revolt. Soon the Santhals found the land they had cleared slipping from their hands: the state levied heavy taxes, moneylenders — dikus — charged high interest and seized land for unpaid debts, and zamindars asserted control over the Damin. By the 1850s the Santhals felt the time had come to rebel against zamindars, moneylenders and the colonial state, to create an ideal world where they would rule. After the Santhal Revolt (1855–56), the Santhal Pargana was created, carving 5,500 square miles out of Bhagalpur and Birbhum districts; the state hoped that a new territory with some special laws would conciliate the Santhals.
- Fig. 9.10: an engraving of a row of low thatched huts under a great spreading tree, a few small figures among them, trees and hills around. The caption: sketched by Walter Sherwill in the early 1850s; the village seems peaceful, calm, idyllic, untouched by the outside world.
- Fig. 9.11: a drawing of a young man with long curly hair, bare-chested, hands joined, in a simple waist-cloth. The caption calls him Sidhu Manjhi, the leader of the Santhal rebellion. Point: the rebellion’s leader as an outsider artist imagined him — calm and plain, unlike the battle scenes that follow.
- Fig. 9.12: Santhal archers and men with axes, some fallen, facing a distant line of sepoys firing amid smoke. The caption: the rebellion changed British perceptions — villages once calm (Fig. 9.10) now seemed places of ‘violent and savage deeds’.
- Fig. 9.13: a long column of loaded bullock carts and people carrying bundles through a valley, with smoke rising from the hills behind. The caption: after the rebellion was crushed, suspects were rounded up and villages burnt; such images showed the British public the might of the Raj and its ability to impose order.
- Fig. 9.14: rebels in chains led away between soldiers, officials on horses and on an elephant, one officer smoking a hookah. The caption: images like this carry political messages — trouble is over, order restored.
- Point (the side question): a reader in England would likely feel alarm, then relief and pride; the Santhals appear as savage, then subdued — the pictures tell a story of order restored, not of the grievances behind the revolt.
- The Santhals call the rising the Hul. It is usually dated from 30 June 1855 at Bhognadih, led by the brothers Sido (Sidhu) and Kanhu Murmu; ‘Manjhi’ in NCERT’s caption is a Santhal title for a village headman. The anniversary is observed as Hul Diwas.
- Colonial accounts called it an ‘insurrection’; Santhal tradition remembers it as a struggle for land and self-rule. NCERT keeps to the neutral ‘Santhal Revolt’ or ‘rebellion’.
- Restrictions on transferring Santhal land to non-Santhals were written into later regulations and the Santhal Parganas Tenancy (Supplementary Provisions) Act, 1949; NCERT says only that ‘special laws’ were imposed (see UPSC 2018 below).
- Damin-i-Koh was demarcated in 1832; the Santhal Pargana came after the 1855–56 revolt. Don’t swap them.
- The Santhals were invited settlers — plough cultivators — not the shifting cultivators; that was the Paharias.
- Targets of the revolt (NCERT): zamindars, moneylenders and the colonial state. UPSC 2011’s ‘common factor’ in 19th-century tribal insurrections is keyed to the rise of moneylenders, traders and revenue farmers as middlemen — the dikus.
- UPSC 2018 keyed both measures (Santhal Parganas created; land transfer to non-Santhals barred). NCERT supports the first directly and the second only as ‘special laws’; keep the key.
- Order of revolts (UPSC 1999): Santhal (1855–56) → sepoys (1857) → indigo (1859–60) → Deccan riots (1875).
6. Reading Buchanan: the surveyor’s eye
Buchanan was a Company employee. He travelled with a large retinue — draughtsmen, surveyors, palanquin bearers, coolies — at the Company’s expense, because it needed the information; he had specific instructions on what to look for and record, and villagers saw him as an agent of the sarkar. As the Company consolidated power and expanded commerce, it searched for resources to control and exploit, sending geologists, geographers, botanists and medical men. Buchanan obsessively studied rocks, strata and soils, looked for commercially valuable minerals — iron ore, mica, granite, saltpetre — and watched local salt-making and iron-mining. When he described a landscape, he described how it could be transformed and made more productive: which crops, which trees to cut, which to plant. His idea of what was necessary came from the Company’s commercial concerns and modern Western notions of progress, so he was inevitably critical of forest dwellers’ ways and wanted forests turned into farmland.
- Source 3 (rocks near Kaduya): a geologist’s notes — a low ledge of unstratified, small-grained granite with reddish feldspar, quartz and black mica, then another of very fine granite with yellowish feldspar. Point: the survey’s eye is on exploitable resources.
- Source 4 (on the Santhals): very clever at clearing land but living ‘meanly’ — huts without fences, walls of upright sticks plastered with clay, small, ‘slovenly’ and too flat-roofed. Point: admiration for their productive labour, contempt for their way of life.
- Source 5 (on clearance): the view of rice valleys, cleared land and rocky hills is ‘in perfection’ — all that is wanted is ‘progress’ and much extended cultivation; woods should give way to plantations of asan and palas for tassar silkworms and lac, the rest cleared and cultivated, and unfit land planted with palmyra and mahua. Point: development = clearing forests for commercial crops and revenue.
7. The Bombay Deccan: ryotwari, revenue and debt
Why not a permanent settlement again? As British rule spread beyond Bengal, the Permanent Settlement was rarely extended. After 1810 agricultural prices rose, swelling Bengal zamindars’ incomes while the state’s demand stayed fixed; keen to maximise land revenue, the government made temporary settlements in territories annexed in the 19th century. Ideas mattered too. By the 1820s the economist David Ricardo was celebrated in England, and officials had learnt his ideas at college. On a Ricardian view, a landowner should claim only the ‘average rent’ of the time; any surplus above it should be taxed, or cultivators would turn into rentiers who did not invest in the land. Many officials thought Bengal proved the point — its zamindars seemed to have become rentiers living on leases.
The ryotwari settlement. In the Bombay Deccan, revenue was settled directly with the ryot. The average income from different types of soil was estimated, the ryot’s revenue-paying capacity assessed, and a proportion fixed as the state’s share. Lands were resurveyed every 30 years and rates raised, so the demand was no longer permanent.
Revenue demand and peasant debt. The first settlement, in the 1820s, demanded so much that in many places peasants deserted their villages, especially where soils were poor and rainfall uncertain. Collectors eager to impress superiors extracted payment with utmost severity: a defaulter’s crops were seized and the whole village fined. In the 1830s things worsened: prices fell sharply after 1832 and stayed low for over fifteen years, and the famine of 1832–34 killed one-third of the Deccan’s cattle and, NCERT says, half the human population. Survivors had no stocks; arrears mounted. To pay revenue, eat, buy ploughs and cattle or marry their children, ryots borrowed — and once in debt found it hard to get out, needing loans even for daily needs and production. By the 1840s officials found alarming indebtedness everywhere. From the mid-1840s, admitting that the 1820s settlements had been harsh and rigid, officials moderated the demand; after 1845 prices recovered, and peasants extended cultivation into pasture — but needed more ploughs, cattle, seed and land, so they turned again to the moneylender.
- The Company took the Peshwa’s territories in 1818 after the Third Anglo-Maratha War. Early assessments in the 1820s (associated with R.K. Pringle’s survey) proved unworkable; from the mid-1830s the Bombay survey system of Wingate and Goldsmid introduced lighter, field-by-field rates fixed for 30 years — the ‘resurvey every 30 years’ NCERT mentions.
- Ryotwari was also the system of the Madras Presidency (associated with Alexander Read and Thomas Munro), which is why UPSC 1993 keyed ‘Madras and Bombay Presidencies’. In both, the ryot got a patta after his land was surveyed and assessed (UPSC 2012).
- David Ricardo (1772–1823) set out his theory of rent in On the Principles of Political Economy and Taxation (1817).
- Ryotwari = settlement with the ryot, not permanent (30-year resurvey), and no remission for bad harvests (UPSC 2024 statement 1 is false). Cornwallis did not introduce ryotwari.
- NCERT’s reason for avoiding permanent settlements: the state lost the rising surplus after 1810 — and Ricardo’s theory that untaxed surplus breeds rentiers.
- Famine 1832–34: one-third of cattle and (NCERT) half the people died; prices fell after 1832, recovered after 1845.
8. Cotton boom, credit bust
Then came the cotton boom. Before the 1860s, three-fourths of Britain’s raw cotton imports came from America, a dependence that worried British manufacturers. The Cotton Supply Association was founded in 1857 and the Manchester Cotton Company in 1859 to encourage cotton growing wherever it would grow; India — with suitable soil, climate and cheap labour — was the obvious alternative supplier for Lancashire. When the American Civil War broke out in 1861, American imports fell to under 3 per cent of normal — from over 2,000,000 bales (of 400 lb) in 1861 to 55,000 in 1862. Bombay merchants toured the cotton districts; export merchants gave advances to urban sahukars, who lent to rural moneylenders who promised to deliver the crop. In a boom, credit flows easily. Deccan ryots were offered Rs 100 advance per acre planted with cotton and long-term loans; cotton acreage doubled between 1860 and 1864, and by 1862 over 90 per cent of Britain’s cotton imports came from India. But only some rich peasants gained; for most, cotton meant heavier debt.
- Fig. 9.16 (13 December 1862): dozens of carts piled with bales and their bullocks resting among the hanging roots of a vast banyan — the sheer volume of the trade.
- Fig. 9.17 (20 April 1861), three panels: bullocks staggering under bales on a stony path, a boat heaped high with bales, carts on a rough road. The side question’s answer: the artist suggests that pre-railway transport was slow, overloaded and inadequate — an argument for railways and better roads to carry Indian cotton to Britain.
- Fig. 9.18 (13 December 1862): broad river boats loaded with bales under sails on the Ganges from Mirzapur, which, the caption says, was a collection centre for Deccan cotton before the railway age.
- Fig. 9.19 (23 August 1862): mountains of bales and loaded wagons at the Bombay terminus of the Great Indian Peninsula Railway, a bullock cart waiting to take bales to the port. The caption: railways cut river traffic, but older modes were not fully displaced.
- Point: Britain’s interest in Indian cotton was intense and practical — supply, quality, transport — and the British press followed it closely.
Credit dries up. Indian merchants dreamt of permanently displacing America — the Bombay Gazette asked in 1861 what could stop India supplanting the ‘Slave States’ as Lancashire’s supplier. By 1865 the dream was over: the war ended, American production revived and Indian exports declined. Merchants and sahukars stopped long-term credit, restricted advances and demanded repayment. At the same time the next revenue settlement fell due — and raised the demand dramatically, by 50 to 100 per cent. With prices falling and cotton fields disappearing, ryots turned once more to the moneylender, who now refused loans, doubting their ability to repay.
- The boom was caused by the American Civil War (1861–65), not by railways or tariffs; British anxiety predates it (1857 Cotton Supply Association).
- The boom did not enrich most ryots — NCERT: only some rich peasants gained.
- Under 3 per cent = American imports in 1862 compared with normal; over 90 per cent = India’s share of Britain’s cotton imports by 1862.
9. 1875: bonds burnt, and the Deccan Riots Commission
Account books are burnt. The movement began at Supa, a large market village in Poona (Pune) district where many shopkeepers and moneylenders lived. On 12 May 1875 ryots from the surrounding area attacked shopkeepers, demanded their bahi khatas (account books) and debt bonds, burnt them, looted grain shops and sometimes set fire to sahukars’ houses. The revolt spread to Ahmednagar and over the next two months across about 6,500 sq km and more than 30 villages, always with the same pattern; terrified sahukars fled, leaving their property. Officials saw ‘the spectre of 1857’; police posts were set up in villages, troops called in, 951 people arrested and many convicted, but control took several months.
- Source 6, summarised: arriving at Supa on Saturday 15 May, the magistrate found one moneylender’s house burnt, about a dozen broken into and emptied; account papers, bonds, grain and country cloth burnt in the street, ashes still lying there; 50 people arrested; stolen property worth Rs 2,000 recovered; estimated loss over Rs 25,000 — the moneylenders claimed over Rs 1 lakh. Point: what was targeted was paper — records of debt — and even the size of the loss was disputed.
- Source 7, summarised from a newspaper quoted in the official Report of the Native Newspapers of Bombay: ryots post spies at village boundaries to warn of officials, gather in a body at their creditors’ houses, demand their bonds and documents with threats of assault and plunder, and disperse before officials arrive. Terms that betray prejudice: ‘offenders’, ‘spies’, ‘threaten’, ‘assault and plunder’ — the ryots are criminals and the moneylenders victims. A ryot might describe the same events as recovering stolen documents, ending fraudulent debts and seeking justice when the law offered none.
The experience of injustice. What enraged ryots was not only debt and dependence but the moneylenders’ insensitivity — the breach of customary norms. Moneylending was old, and moneylenders were powerful, but custom regulated them; one general norm was that interest could not exceed the principal — the meaning of ‘fair interest’. Under colonial rule this broke down: in one case the Commission investigated, a moneylender had charged over Rs 2,000 interest on a loan of Rs 100. Ryots complained, petition after petition, of such exactions and of moneylenders manipulating laws and forging accounts.
Bonds and the Limitation Law. In 1859 the British passed a Limitation Law making loan bonds valid for only three years, to check the build-up of interest. Moneylenders turned it around: they made ryots sign a new bond every three years, entering the unpaid balance — original loan plus accumulated interest — as the new principal, on which fresh interest ran. They also refused receipts, entered fictitious figures, bought harvests cheap and finally took over peasants’ property. Deeds and bonds became symbols of the new oppression. They had been rare before; the British distrusted informal understandings and wanted every transaction stated clearly in a contract enforceable by law. Peasants signed and thumb-printed documents they could not read, feared the written word, yet had no choice — lenders would not lend without legal bonds.
The Deccan Riots Commission. The Government of Bombay at first did not take the revolt seriously, but the Government of India, worried by the memory of 1857, pressed it to appoint a commission of enquiry. Its report — the Deccan Riots Report — was presented to Parliament in 1878. The commission held enquiries in the affected districts, recorded statements of ryots, sahukars and eyewitnesses, compiled statistics on revenue rates, prices and interest, and collated collectors’ reports — a rich archive. But it reflects official concerns. Asked specifically to judge whether the government’s revenue demand caused the revolt, it concluded that it did not: the moneylenders were to blame. NCERT reads this as part of a pattern in colonial records — a persistent reluctance to admit that popular discontent could arise from government action. Official reports are invaluable but must be set beside newspapers, unofficial accounts, legal records and oral sources.
| Question | The Commission’s answer (1878) | NCERT’s reading of the evidence |
|---|---|---|
| Did revenue demand cause the revolt? | No | Revenue rose 50–100% just as credit dried up and prices fell — it was part of the squeeze |
| Who was to blame? | Moneylenders | Moneylenders broke custom — but colonial law (bonds, courts, the Limitation Law) gave them the means |
| What does the report show about its authors? | — | A recurring official reluctance to admit government responsibility |
- The government’s response was the Deccan Agriculturists’ Relief Act, 1879, which aimed to protect ryots from losing land to moneylenders through debt suits — itself an implicit admission that colonial law had tilted the field.
- Historians differ on emphasis: some foreground the moneylender and the market, others the revenue system and colonial law that made bonds enforceable; NCERT’s reading list (Ravinder Kumar, 1968; Sumit Guha, 1985) covers this debate.
- Supa (Poona district), 12 May 1875 → Ahmednagar; targets were sahukars’ account books and bonds, not British officials.
- Limitation Law 1859: bonds valid three years — intended to protect ryots, subverted by renewal bonds.
- The Commission’s report: 1878, presented to Parliament; verdict: moneylenders, not revenue demand.
- Customary norm: interest not more than the principal.
NCERT’s Discuss boxes and side questions — short answers
Why had the Burdwan raja failed to pay; who were the purchasers; what does the story tell us? (1.1)
Describe the ways in which the jotedars resisted the zamindars. (Source 1)
Insert rent, revenue, interest, loan, produce on the arrows of Fig. 9.5.
Compare these zamindars with those of Chapter 8 (lehs204). (Discuss, page 235)
Tone of the Fifth Report, what its figures say, and the problem with two years’ figures. (Source 2)
How does Fig. 9.8 represent the traditions of the picturesque?
How do Figs. 9.8 and 9.9 represent the relationship between tribal people and nature?
Contrast Fig. 9.10 with Fig. 9.12.
As a reader of the Illustrated London News, how would you react to Figs. 9.12–9.14; what image of Santhals would they create?
What does Buchanan’s description tell us about his ideas of development; how would a Paharia react? (Discuss, Sources 3–5)
Pick out terms showing the writer’s prejudice in Source 7; how would a ryot describe it?
What is the artist suggesting in the three panels of Fig. 9.17?
Explain the ryot’s complaints in Source 8; why no credit or receipts; a moneylender’s reasons?
List the commitments in the deed of hire (Source 9); what does it show; how does the peasant’s relation to his bullocks change?
Calculate the rate of interest the ryot was paying (Source 10).
Interest rates where you live: how have they changed, and why do different groups pay different rates? (Discuss, page 255)
NCERT exercise — answer outlines
Q1–5: 100–150 words. Q6–9: short essays of 250–300 words. Try each first.
Q1. Why was the jotedar a powerful figure in many areas of rural Bengal?
Q2. How did zamindars manage to retain control over their zamindaris?
Q3. How did the Paharias respond to the coming of outsiders?
Q4. Why did the Santhals rebel against British rule?
Q5. What explains the anger of the Deccan ryots against the moneylenders?
Q6. Why were many zamindaris auctioned after the Permanent Settlement? (essay)
Q7. In what way was the livelihood of the Paharias different from that of the Santhals? (essay)
Q8. How did the American Civil War affect the lives of ryots in India? (essay)
Q9. What are the problems of using official sources in writing about the history of peasants? (essay)
Q10. Map work: mark the areas of this chapter, and other areas of Permanent Settlement and ryotwari.
Q11–12. Projects: a Buchanan district report; a village study of 75 years of change.
What to remember
Numbers
One-liners
- Permanent Settlement: revenue fixed for ever with zamindars, who became the state’s revenue collectors.
- Four reasons for default: high demand, low prices, Sunset Law rigidity, curtailed powers.
- Zamindars survived by benami sales, women’s property, lathyals and their ryots’ loyalty.
- Jotedars — rich, village-based peasant-traders-moneylenders — undercut zamindars, strongest in North Bengal.
- The Fifth Report is invaluable but exaggerated the zamindars’ collapse.
- Hoe vs plough: Paharias pushed uphill; Santhals settled in the Damin-i-Koh, then revolted in 1855–56.
- Buchanan saw landscapes through the Company’s commercial eyes: forests as future fields.
- Ryotwari: settled with the ryot, resurveyed every 30 years — Ricardo against rentiers.
- Cotton boom of the Civil War brought easy credit; its end brought refusal, higher revenue and the 1875 riots.
- The Deccan Riots Commission blamed moneylenders, not revenue — read official sources with care.
Traps to avoid
- Over 95% fictitious = the 1797 Burdwan auction; over 15% = all auction sales 1793–1801.
- Sunset Law: miss the date → auction; ryotwari gave no remission for bad harvests (UPSC 2024).
- Jotedars were rich peasants, not zamindars; bargadars were their sharecroppers paying half the crop.
- Damin-i-Koh 1832 came before the revolt; the Santhal Pargana came after it.
- Santhals were plough settlers; Paharias were the shifting cultivators of the hoe.
- Deccan riots targeted sahukars’ bonds and account books, not the British.
- The Commission said revenue demand was not the cause — NCERT treats that as an official bias.
- Timeline says 1818 for the first Deccan settlement; the text says the 1820s (1818 = annexation).
- Source 10’s ‘Rs 1000’ is a slip — the figures fit a Rs 100 loan.
- The Fifth Report: NCERT says 1813; most references say 1812.
How to strategise
Prelims — what UPSC asks
- Permanent Settlement: Cornwallis and a loyal landed class (1988), litigation after 1793 (2011), the Sunset-Law auction (2024). Keep the four default reasons and the survival tactics ready for statement questions.
- Ryotwari: Madras and Bombay Presidencies (1993); direct payment, pattas, survey and assessment (2012); no remission for bad harvests (2024).
- Tribal and peasant risings: middlemen as the common factor in tribal insurrections (2011); measures after the Santhal uprising (2018); chronology Santhal → 1857 → indigo → Deccan riots (1999); sharecroppers and Tebhaga (2013).
- Build a terms table: zamindar, taluqdar, jotedar, bargadar, lathyal, benami, proja, Damin-i-Koh, diku, ryotwari, sahukar, Limitation Law.
Mains — where it appears and how to answer
- GS1 2023 asked how colonial rule affected tribals and how they responded: use Paharias (extermination, pacification, retreat) and Santhals (invited settlers → dikus → Hul → Santhal Pargana) as the core case, then widen to later movements (lehs302 and beyond).
- Frame for agrarian questions: policy design (fixed vs periodic demand; zamindar vs ryot) → market shocks (1790s slump, 1832 fall, 1861–65 cotton) → credit and law (bonds, courts, Limitation Law) → resistance (benami, jotedars, Hul, 1875 riots) → official response (Fifth Report, Commission, special laws).
- Sources questions: the chapter is a model answer on reading official archives — author, purpose, bias, cross-checking with newspapers, petitions and oral sources. Attribute verdicts (the Commission, the Fifth Report) rather than stating them as fact.
Self-check
Tap an option. NCERT's own exercise questions come first; the rest test the figures and common confusions.
1. Under the Permanent Settlement of 1793, the zamindar was in law primarily:
2. Which was NOT one of NCERT’s reasons why zamindars defaulted after 1793?
3. Adhiyars or bargadars in North Bengal were:
4. According to NCERT, recent research shows the Fifth Report:
5. The Damin-i-Koh was:
6. The ryotwari settlement in the Bombay Deccan was:
7. The Limitation Law of 1859 was turned against ryots because moneylenders:
8. The Deccan Riots Commission concluded that the revolt was caused mainly by:
UPSC questions from this chapter
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