MAHESH Chandra, 48, psychiatrist, started his collection with western art—Miro lithographs and Andy Warhol serigraphs—during his 20-year stint in the US. Back home in India since '92, he has built up a formidable collection, valued at over Rs 40 lakh, of 20th century Indian painters a la Husain, Ram Kumar, Tyeb Mehta, Bhupen Khakhar and Bengal school water colourists. His buying philosophy: "I'm guided by my own study and research, my personal aesthetic. Not investment value, that's irrelevant. My thumb rule: buy an artist only when he is 40. That's when their work matures."