INDIC
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Sir, even Indian Hindus here talk about Baniya mentality or ideology. And they themselves have admitted that it is a cultural slang even now used in India.
As I understand, Baniyas were the ones who would loan people money on exorbitant interests and were ruthless in getting their money back along with the interest, biyaj is probably the word used in Hindi - if I am not mistaken.
You are completely wrong.