I should consider combining the mermaid folklore with Indian settings. Maybe the protagonist is a mermaid who moves to a human world, causing some conflict. The "2021" could refer to the setting being modern times. The title "Matskanya" might be a play on words, maybe a mix of "matka" (a form of gambling) and "skanya" which could relate to a maiden or princess. So the title could be a pun or code name for the character.