The Penguin History of Early India
The Penguin History of Early India
The Penguin History of Early India
PENGUIN BOOKS
II
The Peninsula: Establishing Authorities
and Structures
C. A D 9 0 0 - 1 3 0 0
The late first millennium AD saw a changed situation in the Indian subconti-
nent. Regional states, earlier seeking recognition, were now taking shape
and the imprint of their identities was becoming clearer. Dynasties would
change but successor kingdoms retained a relatively consistent core area.
The trends that continued included some degree of political decentralization,
an emphasis on extending agriculture, the induction of erstwhile marginal
groups as castes, the interface between Vedic Brahmanism and the Puranic
and Shamanic religions, and new cultural articulations drawing on these
tendencies. Despite the appearance of similar patterns, each region retained
its own strong identity. That this is not a contradiction lies in the nature of
these regional forms.
The scene in the peninsula was dominated by the Tamil identity, forged
under the Cholas. This period of south Indian history with its impressive
corpus of inscriptions has been widely discussed in recent years. There have
been diverse theories and many new interpretations about the nature of the
Chola state. These enable one to speak of it as yet another classical period,
should one choose to use the label. The classicism of the Chola period drew
less on political authority and more on the institutions established at this
time, together with the articulation of cultural forms. In many spheres of
cultural life, whether of social institutions, religion, or the fine arts, the
standards established during this period came to dominate the pattern of
living in the south, and to partially influence the patterns existing elsewhere
in the peninsula. There was also an active intervention in south-east Asia to
a greater degree than before, in the commerce of the region and in its cultural
forms.
In the ninth century the Pallavas succumbed to a combined attack from
their southern neighbours, the Pandyas, and those tributary to them such
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coast being naturally rich and obtaining an adequate income from trade
with west Asia.
It was during this period that another group of people from the west came
to India. Copper-plate charters of the Cheras, generally dated to the tenth
and eleventh centuries, granted land to Jewish traders, such as Joseph
Rabban - the earliest evidence of a Jewish community settling in India,
although tradition has it that a previous settlement in Cochin dates to the
early centuries AD. This parallels the chronological uncertainty of the arrival
of the Syrian Christians. It is possible that this later group had links with
the Jewish commercial community in Alexandria, or with the later trade
between Aden and ports in the southern part of the west coast, such as
Mangalore. The settlements in India were in pursuit of trade. The Cairo
Geniza records contain many letters of a personal nature, as well as per-
taining to business, written by Jewish traders active in commerce with India
towards the end of the first millennium AD. Indians were partners, or
representatives of Jewish merchants, and some of the latter spent time in
India and married locally. The area associated with this group of traders was
Kodungallur or Cranganore, identified by some scholars with the ancient site
of Muziris, a port that had been active in the Roman trade. The frequency
with which later traders from the west located their settlements in the
vicinity of those used by earlier traders from the west is quite striking.
Doubtless it was not coincidental, being connected with safe harbours and
access to cargo. The arrival of new groups was part of the pattern of trade
connections between the west coast and other commercially active parts of
Asia. Subsequent to the persecution of the Jews in Europe in later centuries
some Jews came to Kerala, already familiar from trading contacts, and made
it a part of the Jewish diaspora.
Further north in the western Deccan, the Rashtrakutas were being gradu-
ally unseated by their samantas, the Shilaharas. The Shilaharas took the
title of 'Lords of the West', presumably referring to their control over the
trade with west Asia. So firm was this control that in one case an association
of merchants was required to pay a regular and substantial sum to the royal
family, from the revenue of a village donated to it. One inscription suggests
that the commercial hinterland of the Konkan extended as far as Rajasthan.
The Shilaharas, wanting a monopoly over trade, discontinued the employ-
ment of Arabs as part of their higher administration.
Apart from the families constituting the main dynasties, there were lesser
rulers of smaller areas in the Deccan and some of these claimed descent
from the lineages of the main dynasties. These often began as subordinate
rulers of earlier kingdoms, or as landed magnates promoting the settling of
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a preference. In the later Chola period, grants were made in the dry zone
when presumably the extension of irrigation was more common. The ecol-
ogy of an area was significant to its economic use. The two landowning
groups were the brahmans and the velalas, the latter ranging from the
wealthy to those less so. These two categories had superior rights over
tenants and cultivators, although the range of tenurial rights complicates
any easy descriptive label. In some cases tenants could even be dispossessed
and earlier grants of land excluded. Artisans and cultivators formed yet
another category at a lower level.
The brahmadeya, or the agrahara, introduced Sanskritic culture which
included the norms of social organization as laid down in the Dharma-
shastras. The integration of the brahmadeyas and agraharas into existing
agrarian communities led to some innovations. Negotiations were required
between the existing peasants and the new landowners. Since the latter came
with royal backing, and often with advanced knowledge of organizing
agriculture and other technologies, they had a distinct edge over the existing
peasants or those recently converted to peasant status.
Brahmadeya donations remained unchanged in pattern from those of
Pallava times, as is evident from the Chola grants, such as the Anbil grant
of Sundara Chola recording the donations of land to the brahman Anirudha
Brahmadhiraja.
We marked [the boundaries of] the land thus defined by erecting mounds of earth
and planting cactus. The several objects included in this land - such as fruit-yielding
trees, water, lands, gardens, all upgrowing trees and down-going wells, open spaces,
wastes in which calves graze, the village site, ant-hills, platforms [built around trees],
canals, hollows, rivers and their alluvial deposits, tanks, granaries, fish-ponds, clefts
with bee-hives, deep ponds included; and everything else on which the iguana runs
and the tortoise crawls; and taxes such as the income from places of justice, the taxes
on [betel] leaves, the cloths from looms, the kanam [of gold[ on carriages, . . . the
old tenants being evicted, everything that the king could take and enjoy - all these
shall be made over to this man. He shall be at liberty to erect halls and upper storeys
with burnt bricks; to dig wells, big and small; to plant southernwood and cactus; to
dig channels in accordance with watering requirements: not to waste surplus water
but to dam it for irrigation; no one shall employ small baskets [for lifting such water].
In this wise was the old order changed and the old name and old taxes removed, and
an ekabhoga brahmadeya (land granted to a single brahman) under the name of
Karunakaramangalam was constituted.
'The Anbil Plates of Sundara Chola', in K. A. Nilakanta Sastn,
The Colas (Madras, 1955), p. 577
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the heads of the peasant families, the velalas, who were their members. This
necessitated discussion on a range of matters, including those of crucial
importance, such as the setting up of irrigation facilities. Rights in land were
insisted upon and among these were the kani, or hereditary rights.
Villages were grouped together within a nadu, a defined territory.
Agrarian organizations of the brahmadeyas, temples, and the commercial
associations linked to centres of exchange, such as the nagaram, functioned
within the nadu, although some had connections traversing the nadu.
Members of the associations of the velala handling agricultural products,
such as the Chitrameli Periyanadu who were referred to from the twelfth
century onwards, traversed the area more widely. The nadu was not an
autonomous peripheral area but was under central control. This enabled
the centre to regroup the nadus into units called the valanadu and the
mandalam, especially as the nadus were not of a uniform size. Such a
rearrangement was an indicator of control over the territories.
Agricultural expansion in the valanadu became associated with brahman
settlers receiving grants of land, as in the Tamraparni Valley of the far south.
Where the land was already under cultivation there had to be agreements
between the cultivators and the grantees, obviously to the advantage of the
latter. Other units such as mandalams could also be re-aligned to determine
revenue demands, administrative controls and the needs of cities in the
region. The population of the mandalam consisted of peasants, as well as
the settlements of forest and hill peoples in their proximity.
If the brahmadeya and the temple were important players in the restructur-
ing of the economy during the Chola period, it was not merely because of
their ritual authority, but was also a result of their administrative and
functional control over productivity. Ritual is important but does not exist
in a social void and, more often than not, is also tied to social and economic
realities and ambitions. The grantees themselves were beholden to the king
for the grant, and the king's officers were required to allocate temple
resources and audit temple accounts. As was the case with Buddhist monas-
teries, the temple complex could only survive where it had some control
over resources from agriculture, or from revenue generated by the regular
fairs and festivals which became surrogate markets. This necessitated temple
control over agriculture and irrigation, together with some participation in
commercial exchange.
The working of these assemblies differed according to local conditions.
•The ur was open to male adults of the village, but in effect the older members
such as heads of households took a more prominent part, some of them
forming a small executive body for routine matters. The sabha had the same
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system and, in addition, could constitute smaller committees of any size from
among its members for specialized work. Election to the sabha sometimes
appears to have been by lot from among those who were eligible, though
amendments to the working of the sabha could be made whenever necessary.
An inscription from the temple wall at Uttaramerur (a brahmadeya village)
gives details of how the local sabha functioned. It dates to the tenth century
and reads:
There shall be thirty wards. In these thirty wards those that live in each ward shall
assemble and shall select each person possessing the following qualifications for
inclusion for selection by lot:
He must own more than one quarter of the tax-paying land. He must live in a house
built on his own site. His age must be below seventy and above thirty-five. He must
know the mantras and Brahmanas [from the Vedic corpus].
Even if he owns only one-eighth of the land, his name shall be included provided
he has learnt one Veda and one of the four Bhashyas.
Among those possessing these qualifications only such as are well conversant with
business and are virtuous shall be taken, and one who possesses honest earnings
whose mind is pure and who has not been on any of the committees for the last three
years shall also be chosen. One who has been on any of the committees but has not
submitted his accounts, and his relations specified below, cannot have their names
written on the tickets:
The sons of the younger and elder sisters of his mother.
The sons of his paternal aunt and maternal uncle.
The uterine brother of his mother.
The uterine brother of his father.
His uterine brother.
His father-in-law.
The uterine brother of his wife.
The husband of his uterine sister.
The sons of his uterine sister.
His son-in-law.
His father.
His son.
One against whom incest or the first four of the five great sins are recorded.
[The five great sins being killing a brahman, drinking alcohol, theft, adultery, and
associating with criminals.] All his relations specified above shall not be eligible to
be chosen by lot. One who has been outcaste for association with low people shall
not have his name chosen until he performs the expiatory ceremonies.
One who is foolhardy . . .
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long as the moon and the sun endure, committees shall always be appointed by
lot...
. We, the assembly of Uttaramerur chatur-vedi-mangalam made this settlement for
the prosperity of our village in order that wicked men may perish and the rest may
prosper. At the order of the great men sitting in the assembly, I, the arbitrator
Kadadipottan Shivakkuri Raja-malla-mangala-priyan, thus wrote the settlement.
Archaeological Survey of India Report ( 1 9 0 4 - 5 ) , p p . 1 3 8 ff.
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the deity. In later centuries this tax included military service. Unlike temple
service, involving proximity to the deity, military service could be performed
by low-caste groups. The recipients of brahmadeya grants, as well as temples
receiving grants, were treated as regular landowners where questions of
rights were involved. There was a sharp distinction between those with land
who paid tax, and those who did not, with the agricultural labourers
working for a wage. The distinction was largely that the labourer was
not included in the village assembly and could not hold a position of
responsibility in local administration. Many were employed on temple
estates, yet being of low caste they were not permitted entry into the temple.
Reclamation of wasteland and the clearing of forests were regular work
carried out by peasants and labourers, which was encouraged by the ruler
since it increased the land under cultivation. Cattle-raising had by now
become a subsidiary occupation except in the uplands.
Tax on land and its produce, whether in cash or kind, was a substantial
source of income for the Chola state, although other taxes were also col-
lected, such as those on mines, forests, salt, professional taxes, customs dues
and tolls, judicial fines and the equivalent in forced labour (vetti). The
assessment of land-tax was based on the quality of the land and the facilities
to irrigate it. Two or even three crops of paddy per year were regarded as
normal, though the yield varied. The tax could rise to one-third, which is
high by any standards, though in exceptional circumstances remission or
commutation was permitted by the king.
Permanent assessment of land for tax purposes was known, but was
apparently not usual. Assessment required land surveys at frequent intervals.
Land-tax, together with the local dues levied by the assembly or the temple,
must have been a strain on the cultivator for whom there were few alterna-
tives to paying the tax. He could in theory either appeal to the king for
remission or reduction of the tax if conditions were difficult at a particular
time, or else move away to a different area. The latter was an extreme step,
since mobility among cultivators was restricted even if land was available.
In the case of a village assessed as a unit, the return from the non-taxable
land was deducted from the total revenue of the village. Non-taxable
land consisted of the residential area, temples, tanks, irrigation channels,
areas where the artisans and outcaste population lived, and the cremation
ground.
In the Hoysala kingdom in Karnataka, the key figures in the rural areas
were the landholders, the gavunda/gauda, and the heggade, mentioned in
inscriptions referring to land transactions in villages, the maintenance of
irrigation, the collection of taxes and the work of the village council.
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from those in markedly rich villages, most village members had little wealth
to hoard. The average holding yielded enough to feed and clothe a family
with little surplus. Food was simple, rice and vegetables in the main. But
diet could change with caste. Brahmans, who had once eaten meat, were
now generally vegetarian. A non-vegetarian diet became customary among
some higher castes, and meat of all kinds was eaten by others, provided
it was affordable. Housing was relatively cheap, since the climate did not
call for elaborate structures. Nevertheless, the wealthy lived in well-
appointed houses. The richer members of rural society kept their wealth
employed through economic advantages in schemes to reclaim land, improve
irrigation or invest in trade. Equally, there was much religious merit to be
acquired by donations towards the building of a temple or the endowing of
a matha. Wealth was used in forms that would enhance the prestige of its
owners.
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On occasion the gavundas and heggades were also associated with positions
of urban authority. A designation of wider use familiar in many parts of the
subcontinent was mahajana, literally, the big men, used sometimes for
wealthy brahmans in their secular roles as landholders, and eventually for
those involved in commerce that sometimes coincided with urban adminis-
tration. Those who worked at the senior levels of urban administration were
recompensed by permission to keep a percentage of the levies collected from
householders. Towns went through periods of vicissitudes but from about
the tenth century there was predictable growth.
The market centre, known as the nagaram, where traders gathered, was
the focus for exchange of the produce of the region and also had links with
the temple. Administered by the nagarattar, it was also taxed, particularly
on its profits from overseas trade. Merchants and guilds paid tolls and
customs duties. Inscriptions carry details of these taxes, and of the levels of
tax collection which ranged from the local to the central. Inscriptions from
Karnataka record customs taxes on the import of horses, on commodities
made of gold, on textiles and perfume, and on produce such as black pepper,
paddy, spices, betel-leaves, palm leaves, coconuts and sugar. This was pro-
duce that came from various parts of the peninsula and was more than just a
regional trade. Corporate trading enterprise was particularly noticeable from
the eleventh century onwards. Inevitably, the presence of a hierarchy in the
bureaucracy was also recorded. In the transition from rural to urban, tax
concessions were sometimes introduced by the local administration but
were replaced with tolls, taxes and dues when commerce was profitable.
Overseas trade was among the strengths of the Chola merchants. Naga-
pattinam, Mahabalipuram, Kaveripattinam, Shaliyur and Korkai, on the
east coast, had elaborate establishments controlling the south Indian trade
eastwards. The port at Vishakhapattinam was named Kulottunga-chola-
pattinam, after the King. Trade to the east received encouragement from a
Cambodian mission to the Chola court in the early eleventh century. Mari-
time trade with China reached an unprecedented volume during these
centuries. It became a state monopoly in China, the Chinese government
not wishing to lose the income from it. Sung period sources from China
refer to the presence of Indian merchants in the ports of southern China.
Apart from trade, the earlier lively interest among Chinese savants in Indian
astrology and alchemy continued, with some startlingly exaggerated stories
in Chinese texts on the transmutation of stone and metal from worthless
.matter to valuable items by visiting Indians!
With the Mongols controlling central Asia, merchandise from China was
transported by sea, particularly from southern China to western Asia and
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Europe. South India exported textiles, spices, medicinal plants, jewels, ivory,
horn, ebony and camphor to China. The same commodities were also
exported to the west, to ports such as Dhofar and Aden and, in addition,
Siraf received cargoes of aloe wood, perfumes, sandalwood and condiments.
Persia, Arabia and Egypt were the destinations of those trading with the
west, with Siraf on the Persian Gulf as an entrepot, and Cairo as well as
Alexandria involved in the trade across the Arabian Sea. Quilon, on the
Malabar coast, channelled Chera overseas trade westwards.
Marco Polo, who like many others at the time claimed to have visited
India, commented on the continuing and huge trade in horses which brought
vast fortunes to both the Arabs and the merchants of south India, who
between them had organized a monopoly of the import of horses. For a
variety of reasons, India never took to breeding horses of quality, possibly
because the climate, soil conditions and natural pasturage were not suitable.
This extremely expensive commodity therefore always had to be imported.
Marco Polo wrote:
L e t m e tell y o u n e x t t h a t t h i s c o u n t r y d o e s n o t b r e e d h o r s e s . H e n c e all t h e a n n u a l
r e v e n u e , o r t h e g r e a t e r p a r t o f i t , is s p e n t i n t h e p u r c h a s e o f h o r s e s ; a n d I w i l l t e l l
y o u h o w . Y o u m a y t a k e it f o r a f a c t t h a t t h e m e r c h a n t s o f H o r m u z a n d K a i s , o f
D h o f a r a n d S h i h r a n d A d e n , all of w h i c h p r o v i n c e s p r o d u c e l a r g e n u m b e r s of b a t t l e
chargers a n d other horses, buy u p the best horses a n d load t h e m o n ships a n d export
m a y t a k e it f r o m m e t h a t t h e m e r c h a n t s w h o e x p o r t t h e m d o n o t s e n d o u t any
veterinaries o r a l l o w a n y t o g o , b e c a u s e they a r e o n l y t o o g l a d for m a n y of t h e m t o
d i e in t h e k i n g ' s c h a r g e .
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ships and similar references continue. On the west coast piracy was some-
times organized by local chiefs to plunder the merchants active in the
Rashtrakuta kingdom. Hero-stones from the Konkan carry graphic rep-
resentations of the hero warding off the pirates. Such disturbances occurred
in many coastal areas of the Arabian Sea, the Bay of Bengal and the South
China Seas. In contrast, the less disturbed ports provided a rich potential
for trade and merchant associations made large profits. The Kakatiya king
issued a special charter in the thirteenth century to protect merchants trading
at the port of Motupalli on the coast of Andhra. The inscription in Sanskrit
and Telugu stated that only a fixed duty was to be taken from merchants
and their safety was to be guaranteed. According to Marco Polo, the exports
from Motupalli were diamonds and muslin, both of the finest quality. The
larger associations maintained their own force to protect the goods and the
traders, a tradition going back to earlier times.
Most production was for local consumption but trade, particularly over-
seas, provided an additional incentive to an existing market. Elephants,
horses, spices, perfumes, precious stones and superior quality textiles were
the commodities involved in large-scale trade, with metalware, jewellery,
pottery and salt (produced in salt pans from sea water) being of lesser
importance. Merchant associations, often described as guilds, controlled
much of the trade. They may not have traded collectively although they
belonged to an association. The more frequently referred to were the Mani-
gramam, Ayyavole, Nanadeshi, Nagarattar, Anjuvannam and Valanjiyar.
They did not all deal in the same items or trade in the same regions. The
Manigramam were smaller bodies than the Ayyavole, while the Anjuvannam
was particularly active in Kerala. Long-distance contacts and activities are
evident from the fact that the Ayyavole, originating in Aihole and constituted
of brahmans and mahajanas, was active in the trade of the Deccan and the
Chola centres. Such brahmans were sometimes from agraharas and had the
wealth to speculate in trade, ignoring the prohibition on brahmans being
traders except in dire necessity, or for that matter the prohibition on cross-
ing the seas. Members of this association were known as the 500 svamis of
Ayyavole and they claimed that they also protected the customary law of
their members. Intervention in the trade within the peninsula would inevi-
tably have meant some intervention in overseas trade as well. Such associ-
ations are referred to in inscriptions in south-east Asia. The power of these
associations in the economic life of the period is indicated by their access to
any region irrespective of the boundaries of kingdoms, and by the fact that
they could finance local projects, for example, the construction of a temple,
or provide a loan to the king.
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assemblies, for instance, to constantly evaluate gold and gold currency. The
use of coins encouraged an income from usury, by now a generally accept-
able activity indulged in even by brahmans and the managers of temples.
Presumably it was justified in these cases as helping in the propagation and
prosperity of the religion.
There is a striking increase in the number of temples built at this time. This
is unlikely to have been purely the result of a greater interest in worship.
The temple would have performed other functions as well. Temples built
from royal donations were not only closely connected to the court, but were
also perceived almost as surrogate courts. As such, they could draw on
resources from anywhere within the kingdom, for example, the Tanjavur
temple which received revenue from villages in Sri Lanka. This encouraged
a greater intervention of the court in local matters, although in many cases
physical distance from the court and the immanence of local authority,
required concessions to local opinion. The hymns of the Alvars and Nayan-
ars underlined the parallels between the deity and kingship, and by endorsing
the one they endorsed the other. Temples were visualized as palaces, and
rituals marking the daily routine of the deity imitated those of the king. The
temple received offerings and tribute and the service of the worshippers.
Temples built through royal donations could be located in the capital and
intimately associated with the court, as was the case with the Rajarajeshvara
temple at Tanjavur and the Rajendreshvara at Gangaikondacholapuram,
both built in the eleventh century and celebrating the reigns of kings. The
temple at Tanjavur had a commanding location and acquired the aura of
the leading ceremonial centre. Sometimes worship came to focus on the
king, thus helping to imprint divinity onto kingship. Ritual was another
channel of authority, at times subtle and at other times obvious, particularly
as it was not in itself sufficient and required reinforcing by more tangible
sources of power. The rhetoric of ritual was not intended in a literal sense
but as reflective of symbolic power. Puranic Hinduism did not require the
king to be the patron of the Vedic sacrifice, but, being symbolic of the deity,
he was thought to participate in the grace of the deity and this encouraged
the devotion of the worshippers. The king, therefore, did not always have
to proximate deity and in some situations it was sufficient if he was just the
ideal bhakta, a devotee. Doubtless the king and the court, irrespective of
religious conviction, were not unaware of the political edge of bhakti.
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As in all such structures, the assumed presence of the deity converted the
temple into a sacred space where a relationship between the deity and the
devotee could be sought. But implicit in this space and in the rituals were
questions relating to authority and the establishing of rights and duties. The
temple of Puranic Hinduism provided social and political space for the
working out of such concerns over a large social spectrum, although the
lowest social groups were excluded. The managers of temples represented
political and economic interests and religious concerns, as is apparent
from a close reading of temple inscriptions. Royal grants were a form of
distributing wealth and acquiring supporters, even if the ostensible purpose
of donations was to please the deity. There was a continuous tradition of
giving gifts and donations - dana - and, although the form of the gift
changed, the intentions were similar.
Temples built from resources other than those gifted by the royal family
had also evolved into complex institutions, related not only to religious
requirements but also to fiscal, political and cultural needs. This can be seen
more easily in the functioning of the larger temples in rural areas. Land
owned by the elite was donated or, alternatively, land was purchased and
then donated to the temple. The fiscal role of the temple became even clearer
in later Chola times when both temples and merchants were the most
frequent purchasers of land. As an institution, the temple became the loca-
tion for many kinds of routine exchange, the focal point for many pro-
fessions to whom the temple gave employment either directly or indirectly,
a symbol of authority as a landlord who could intervene in the lives of rural
people, a rural bank, a channel of various forms of legitimation and, not
least, the focus of a particular sectarian religion. In rural areas, temples
were the locations of the village assemblies and of formal education for
upper-caste boys.
Whereas the brahmadeyas were often grants to brahmans who were
specialists in Vedic studies, the temples were closely associated with the
belief and practice of Puranic religions. The juxtaposition of the two brought
the rituals into proximity, but at another level demarcated the difference
between them. New rituals and deities, incorporated through the assimi-
lation of local cults, could be given respectability if introduced into temple
ritual and the creation of new myths. Cults that were refused such admission
were generally those associated with the marginalized groups, such as
untouchables and certain lower castes, and their places of worship were
segregated.
The architecture, plan and embellishment of the temple marked a
departure from the earlier monuments. Rock-cut temples gave way to
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THE P E N I N S U L A : E S T A B L I S H I N G A U T H O R I T I E S A N D STRUCTURES
was possibly the richest during this period, is said to have had an average
income of 500 lb troy of gold, 250 lb troy of precious stones and 600 lb
troy of silver, which was acquired through donations, income from taxes
and the revenue from about 300 villages. It also maintained temple staff,
consisting of about 600 employees, among which were the devadasis, 212
attendants - which included treasurers, accountants, record-keepers and
watchmen, 57 musicians and readers of the texts, quite apart of course from
the craftsmen of various categories (such as carpenters, braziers, goldsmiths,
tailors) and the many hundreds of priests who also lived off the temple. A
number of these were allotted land to live permanently in the vicinity,
and inevitably an urban centre emerged alongside the temple. It became
imperative for the temple authorities to keep the income flowing in. Temples
did this in part through financing various commercial enterprises and
through acting as banker and money-lender to village assemblies and similar
bodies, loaning money at the generally accepted rate of 12 to 15 per cent
per annum. In this the temples were now following the tradition of the
wealthier Buddhist monasteries.
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