So ama[Some people] lawo sokumele atshinge engathiwa ngama[Some people] phela

one time i called an indian man and he then advised me that it is derogatory will try get the reasoning from him but it bordered around the indian comunity being "cool" to the blacks before independence hence cool turned into mkula. hope that helps

Ikula yilower caste eIndia

ikula likula mani, ikula yinto leyana edla i curry

Of course it is derogatory. It comes from "coolie". There is an alternative and WIDELY used word "amandiya".

But who would someone ayale to be called cool mina ungatshonjalo ngiyakuthengela utshwala iviki yonke sibili

Madoda ikula yinto enhle, enhle kakhulu

I don't see anything derogatory about that "ikula" in my opinion is an acceptable Xhosa word for an Indian person