Beharil Surajmul was the greatest moneylender in Dowlutpoor. He was a man of rare talents. He remembered the face of every man who had at any time come to borrow money of him since he began to work, as a little boy, in his father's office, so that it was impossible to deceive him. He had also such a miraculous skill in the making out of accounts that a poor man who had come to him in extremity for a loan of fifty rupees, to meet the expenses of his daughter's marriage, might go on making payments for the remainder of his life without reducing the debt by one rupee. In fact, it seemed to increase with each payment.

And if the matter went into court, Beharilal never failed to show that there was still a balance due to him much larger than the original loan. But so courteous and pleasant was the Seth in his manner to all that such matters never went into court until the right time, of which he was an infallible judge, for he knew the private affairs of every family in Dowlutpoor. Then a decree was obtained and the debtor's house, or land, was sold to defray the debt, Beharilal himself being usually the purchaser, though not, of course, in his own name, for he was a prudent man.

By these means Beharilal had become possessed of large estates, which he managed with such skill that they yielded to him revenues which they had never yielded to the former owners of them, while his tenants, who were mostly former owners, grew daily more deeply involved in their pecuniary obligations to him, and therefore entertained no thought of leaving him, for he could put them into prison any day if he chose. Their contentment gave him great satisfaction, and he treated them with benevolence, giving them advances of money for all their necessary expenses and appropriating the whole of their crops at the harvest to repay himself. He bound them to buy all that they had need of at his shop, so that he made profit off them on both sides.

And as his wealth increased, his person increased with it and his appearance became more imposing, so that he was regarded everywhere with the highest respect and esteem. He was, moreover, a very religious man and charitable beyond most. By early risers he might be seen in his garden seeking out the nests of ants and giving them, with his own hands, their daily dole of rice. It was his benevolent thoughtfulness which had supplied drinking troughs for the flocks of pigeons that continually plundered the stores of the other grain merchants. He had also established a pinjrapole for aged, sickly and ownerless animals of all kinds. To this he required all his tenants to send their bullocks when they became unfit for work, and he sold them new cattle, good and strong, at prices fixed by himself. If any of his old debtors, when reduced to beggary, came to his door for alms, they were never sent away without a handful of rice or a copper coin. He kept a bag of the smallest copper coins always at hand for such purposes.

Beharilal had a fine house, designed by himself and surrounded by a vast garden stocked with mangoes, guavas, custard apples, oranges and other fruit trees, and made beautiful and fragrant with all manner of flowers. The cool shade drew together birds of many kinds from the dry plains of the surrounding country, and it pleased Beharilal to think that they also were recipients of his bounty and that the benefits which he conferred on them would certainly be entered to the credit of his account with Heaven.

Some he fed, such as the crows, which flocked about the back door, like a convocation of Christian padres, in the morning and afternoon, when the ladies of his family gave out their portion of boiled rice and ghee. The pigeons also came together in hundreds in an open space under the shade of a noble peepul tree, where grain was thrown out for them at three o'clock every day; and among them were many chattering sparrows and not a few green parrots, which walked quaintly among the bustling pigeons, their long tails moving from side to side like the pointer of the scale on which the Bunia weighed his rupees. This resemblance struck him as he reclined against the fat red cushion in his verandah summing up his gains. There were other birds which would not eat his food, but found abundance, suited to their respective castes, among the shrubs and trees that he had planted. Mynas walked eagerly on the lawns looking for grasshoppers, glittering sunbirds hovered over the flowers, thrusting their slender bills into each nectar-laden blossom, bulbuls twittered among the mulberries and the koel made the shady banian tree resound with its melodious notes.

In a remote corner of the garden, under the dark shade of a tamarind, there stood a small shrine, like a whitewashed tomb, with a niche or recess on one side of it containing a conical stone smeared with red ochre. Some called it Mahadeo and some Khandoba, but no one could explain the presence of a Mahratta god in a Bunia's garden in Dowlutpoor, except by quoting an old tradition about one Narayen who had come from the Mahratta country and lived for many years in this place. Some said he was a prosperous goldsmith of great piety, but others maintained that he was a Sunyasee, or saint, and there was no certainty in the matter. The one point on which all were agreed was the great sanctity of the shrine, and Beharilal was most careful to perform at it every ceremony which custom, or tradition, sanctioned for placating the god and averting any calamity that might arise from his displeasure.

At the base of one of the old cracked walls of the shrine there was a hole which was the den of a very large, black cobra. Several times it had been seen in the garden, and, when pursued, had glided into this hole and escaped. When Beharilal first heard of it he was much troubled in his mind, but, having consulted a Brahmin, he gave strict injunctions that the reptile should not be molested, and since that time he had never failed to place an offering of milk near to the hole in the morning and in the evening.

Now it happened that at this time there was in Dowlutpoor an English doctor who was generally known as the Jadoo-walla Saheb, because he was believed to practise sorcery and had some mysterious need of snakes. Perhaps he was only making experiments with their venom. At any rate, he wanted live cobras and offered a good price for them. So when Nagoo, the snake-charmer, heard that there was a large one in Beharilal's garden, he thought he might do good business by capturing it for the Jadoo-walla Saheb, and at the same time demanding a reward from the timorous Bunia for ridding him of such a dangerous neighbour. With this intent he repaired to the garden with all the apparatus of his art, his flat snake baskets, his mongoose and his crooked pipe. Having reconnoitred the ground, he commenced operations by sitting down on his hams and producing such ear-splitting strains from the crooked pipe as might have charmed Cerberus to leave his kennel at the gate of hell. Great was his surprise and mortification when he heard the voice of Beharilal raised in tones of unwonted passion and saw a stalwart Purdaisee advancing towards him armed with an iron-bound lathee, who, without ceremony, nay, with abusive epithets, hustled him and all his gear out of the garden. Nagoo was a snake-charmer and by nature a gipsy, and this treatment rankled in his dark bosom.

Some weeks passed and the sun had scarcely risen when Beharilal sat in the ota in front of his house at his daily business, which began as soon as his teeth were cleaned and ended about eleven at night. The place was not tidy. Two or three mats were spread on the floor, a spare one was rolled up in a corner, several pairs of shoes were on the steps, umbrellas leaned against the wall, handles downwards, and a large chatty of drinking water stood beside them. The Bunia himself, bare-headed and bare-footed, sat cross-legged on a cushion, with a wooden stool in front of him, on which lay an open ledger of stout yellowish paper, bound in soft red leather and nearly two feet in length. In this he was carefully entering yesterday's transactions with a reed pen, which he dipped frequently in a brass inkpot filled with a sponge soaked in a muddy black fluid.

Beside him sat his son, aged two years, playing with the red, lacquered cylinder in which he kept his reed pens. Beharilal had two girls also, but they were with the women folk in the interior of the house, where he was content they should stay. This was his only boy, the pride and joy of his heart. Engrossed as he was in recording his gains, he could not refrain from lifting his eyes now and again to feast them on that rotund little body, like a goblet set on two pillars. No clothing concealed the tense and shiny brown skin, but there were silver bracelets on the fat wrists and massive anklets where deep creases divided the fat little feet from the fat little legs, and a representation, in chased silver, of Eve's fig leaf hung from a silver chain which encircled the sphere that should have been his waist. His globular head was curiously shaven. From two deep pits between the bulging brow and the fat cheeks that nearly squeezed out the little nose between them, two black diamonds twinkled, full of wonder, as the small purse mouth prattled to itself softly and inarticulately of the mysteries of life.

Suddenly a startled cry, passing into a prolonged wail of fear, roused old Beharilal, and he saw a sight that nearly caused him to swoon with terror. The little man, a moment ago so placid and happy, was shrinking back with "I don't like that thing" inscribed in lines of anguish on his distorted face, and not three feet from him a huge cobra, just emerged from the roll of matting, eyed him with a stony stare, its head raised and its hood expanded. Its quivering tongue flickered out from between its lips like distant flashes of forked lightning.

For a moment Beharilal stood stupefied, then all the heroism that was in him spent itself at once. Seizing the heavy wooden stool in both his hands, he raised it high over his head and dashed it down on the reptile. The sharp edge of hard wood broke its back, and as it wriggled and lashed about, biting at everything within reach, the Bunia snatched up his boy and waddled into the house at a pace to which he had long been unaccustomed, calling out, in frantic gasps, for help. A rush of excited and screaming women met him in the inner court, and he dropped his precious burden, with pious ejaculations, into the arms of its mother, and stood panting and speechless. Then calling aloud to know if all danger was past, he ventured cautiously out again and saw that the Purdaisee and the Malee had ejected the wriggling cobra and were pounding its head into a jelly with a big stone.

For some seconds he looked on in a strange stupor, and then he realised what he had done. He, Beharilal, the Bunia, who had always removed the insects so tenderly from his own person that they were not hurt, who had never committed the sin of killing a mosquito or a fly; he, with his own hands, had taken the life of the guardian cobra of the shrine! "Urray-ray! Bap-ray!" he cried, "for what demerit of mine has this ill-luck befallen me in my old age? What will happen now?"

"Nay, Sethjkee," said the Malee, "be not afraid. It was in your destiny that this offspring of Satan should come to its end by your hand. We have pounded its head properly, so it will not return to you,"

"But what of its mate?" said Beharilal. "I have heard that, if any man kills a cobra, its mate will follow him by day and by night until it has had its revenge. Is that not so?"

The Malee answered, "Chh, Chh! There is no mate of this cobra," but his tone was not confident.

"Go," cried Beharilal—"go quickly and call Nagoo, the snake-charmer. He has knowledge."

"I will go," said the Malee, and set off at a run; but when he got out of the gate he lapsed into a leisurely walk, for why should a man lose his breath without cause? In time he found his way to the little settlement of huts constructed of poles and mats, where Nagoo sat on the ground smoking his "chillum," and told his errand.

"Why should I come?" was Nagoo's reply; "I went to take away that cobra and the Bunia drove me from the garden with abuse. Why does he send for me now?"

"He is a Bunia," said the Malee, as if that summed up the whole matter; but he added, after a pause, "If he sees a burning ground, he shakes like a peepul leaf. The cobra has died by his hand and his liver has become like water. Whatever you ask he will give. You should come,"

Nagoo replied aloud, "I will come," and to himself, "I will give him physic." Then he took up his baskets and his pipe and followed the Malee.

Beharilal proceeded to business with a directness foreign to his habit, looking over his shoulder at intervals lest a snake might be silently approaching. "Good Nagoo," he said, "a great misfortune has happened. The cobra of the shrine has been killed. Has it a mate?"

"How can a cobra not have a mate?" answered Nagoo curtly.

Then Beharilal employed the most insinuating of the many tones of his voice. "Listen, Nagoo. You are a man of skill. Capture that cobra and I will pay you well. I will give you five rupees." Then, observing no response in the wrinkled visage of the charmer, "I will give you ten rupees."

Nagoo would have sold his revenge for a tithe of the wealth thus dangled before him, but he saw no reason to suppose that there was another cobra anywhere in the garden, so he answered with the calm confidence of an expert, "That cannot be done. The serpent will not heed any pipe now. In its mind there is only revenge."

"Then what will it do?" said the trembling Bunia.

"If its mate died by the hand of a man, it will follow that man until it has accomplished its purpose."

"But how will it know," asked Beharilal, "by whose hand its mate died?"

Nagoo replied with pious simplicity, "How can I tell by what means it knows? God informs it."

"But," pleaded Beharilal, "is there no escape?—if a man goes away by the railway or by water?"

Nagoo pondered for a moment and said, "If a man crossed the sea, the serpent would be baulked. If he goes by railway it will not leave him. Let him go to Madras, it will find him."

With a faltering hand the Bunia put some rupees, uncounted, into the charmer's skinny palm, saying, "Go, make incantations. Do something. There is great knowledge of mysteries with you"; and he hurried back into the house.

His arrangements were very soon made. His account books, with a bundle of bonds and hoondies and cash and his son, were put into a small cart drawn by a pair of fast trotting bullocks, into which he himself climbed, after looking under the cushion to see that there was no evil beast lurking there, and got away in haste while the sun was yet hot. The rest of the family followed with the household property, and in a few days the house was empty and only the Malee remained in charge. Many years have passed and the house is empty still, and the Malee, grown grey and frail, is still in charge. He gets no wages, but he sells the jasmine flowers and the mangoes and guavas, and he grows chillies and brinjals, and so fills the stomachs of himself and his little grandson and is contented. If you ask him where the Seth has gone, he replies, "Who knows?" His debt has gone with his creditor, "gone glimmering through the dream of things that were," and he has no desire to recall them.

A civil or military officer from the station, taking a solitary walk, sometimes finds himself at the Cobra Bungalow, and turns in to wander among its old trees and unswept paths, obstructed by overgrown and untended shrubs, and wonders how it got its name. Then he pauses at the whitewashed shrine and notes that the god-stone has been freshly painted red and that chaplets of faded flowers lie before it. But the old Malee approaches with a meek salaam and a posy of jasmine and marigolds and warns him that there is a cobra in the shrine.