Convergence Plus
Saturday, March 23, 2019
City’s telecom ‘dark spots’ may soon be a thing of the past

Vodafone CEO raises embarrassing issues for govt: Will Trai ever get it right?Indus Towers holds talks with the govt. to improve mobile connectivity Telecom infrastructure firm Indus Towers has begun discussions with the Tamil Nadu government as part of efforts to improve mobile connectivity. The company aims to rid the State of ‘dark spots’ — locations where frequent call drops are reported.

PPP model
The firm has also submitted a representation to set up smart telecom infrastructure with elements such as surveillance, environmental sensory, LED lights and VMD (variable messaging boards) on a PPP (public private partnership) model, wherein Indus Towers is willing to takeover all responsibilities of owning and maintaining the poles with complete fibre laying permissions.

According to Shankar Iyer, chief sales and marketing officer, Indus Towers, examples of ‘dark spots’ in Chennai include Beach Road, Government Medical College near Central station, S.P. Road near Anna University, Raj Bhavan and certain locations near IT Parks.

He said, “We are working on the modalities of a PPP model to create long-term infrastructure. Subject to permission from the government of Tamil Nadu, we will own and maintain infrastructure assets on long-term basis (10 years).”

Technological solutions
While the company is working towards creating and establishing telecom infrastructure solutions like smart poles and ground-based mast, it is the telecom service providers that are bringing in the technological solutions.

“Given the current scenario, small cell solutions are also planned by the service providers to provide heterogeneous network across the country to ensure connectivity and reduce call drops,” Mr. Iyer said.

“We are prepared to create infrastructure in existing EB poles, set up new poles, and provide support to telecom operators,” he added.

A senior government official said they had a preliminary discussion with the firm last month and had collated details on how to enhance connectivity across the State. In Tamil Nadu, Indus Towers is also working with the State government to set up telecom infrastructure in government land and buildings. (Source: The Hindu)

Centre Refers BSNL 4G Spectrum To Telecom Regulator: Report

Huawei CFO sues Canada for wrongful detention BSNL has been seeking 5Mhz of 4G spectrum on 2100 Mhz band for which it had sent a proposal approved to DoT. The Department of Telecom has sent a communication to the sector regulator TRAI seeking its views on the possibility of giving 4G spectrum to BSNL outside auction under a preferential equity infusion route.

This is being done in view of the Supreme Court earlier judgement that all natural resources be sold through auction only. The regulator will now examine whether government controlled entities could be exception to the rule set by the apex court.

In a communication to TRAI recently, the DoT sought its views if 4G spectrum can be given to BSNL outside auction as the PSUs do not participate in the bidding process, official sources said.

In 2012, in a landmark judgement, the top court had said all natural resources should be sold through bidding for maximistaion of value. BSNL currently has 5Mhz of spectrum on 800 Mhz band. But for an all India scaling-up of 4G service roll out, it needs at least a cumulative 10Mhz radiowaves. In Rajasthan, the PSU will use 4G spectrum which it has on 800 Mhz band as per the plan.

Sources added DoT will abide by whatever views TRAI will give "but let's see what the regulator says".

Digital Communication Commission, the inter-ministerial panel had advised to DoT to take the comments of TRAI on this issue in view of the Supreme Court judgement that spectrum can not be allocated to telecom service providers without auction.

BSNL, which operates all over India sans Delhi and Mumbai, has been seeking 5Mhz of 4G spectrum on 2100 Mhz band for which it had sent a proposal approved to DoT. It intends to acquire 4G spectrum worth about Rs. 13,885 crore.

The mechanism suggested by BSNL is: 50 per cent payment will be done upfront and rest 50 per cent will be made in 10 equal instalments. The upfront payment that BSNL wants is to be met through the equity route where government will be given preferential equity in lieu of the spectrum valued at Rs. 6,942.5 crore.

TRAI's views may take at least one-and-a-half months, sources said, adding thereafter it will be easier for DoT to convince the finance ministry if TRAI gives go-ahead for this move. The Finance Ministry has been seeking the usefulness of such huge capital infusion in BSNL so has the Niti Aayog.

BSNL currently going through its worst financial crisis and it recently sought government's support to pay February salary of its employees. The company is banking heavily on the TRAI's positive comments.

A draft report of IIM-Ahemdabad also suggested government to give 4G spectrum to BSNL to survive in the hyper competition. BSNL offers 2G and 3G services has 11 crore mobile subscribers and gets a number of government projects from which it draws revenues. But post Jio entry in the sector, cut-throat competition has made private telcos lose profits and consolidate to survive.

Keeping BSNL afloat has become more challenging with the absence of a full bouquet of services. After Jio, it is the only operator which has been adding subscribers but not enough to generate revenues since these subscribers are from low voucher category.

The PSU though was the fast entrant in the fast emerging revenue opportunity of FTTH (Fibre-to-the-Home ) segment, without proper planning, it lost the edge to Jio which entered much later. The PSU's enterprise services another money minting business has also seen sluggish growth. For the year 2017-18, the PSU posted a loss of about Rs. 8,000 crore.

Get the latest election news, live updates and election schedule for Lok Sabha Elections 2019 on Like us on Facebook or follow us on Twitter and Instagram for updates from each of the 543 parliamentary seats for the 2019 Indian general elections. (Source: NDTV)

Data usage in India to grow at 73 per cent CAGR by 2022: Study

Vodafone CEO raises embarrassing issues for govt: Will Trai ever get it right?The average monthly spend on voice services in 2013 was Rs 214 compared to Rs 173 spent on data. India’s data consumption is expected to grow at a compounded annual growth rate (CAGR) of about 72.6 per cent to 10,96,58,793 million MB by 2022, according to a study.

“With lower than ever data tariffs and increasing number of smartphone penetration in the country, which is around 40 per cent as of 2017, it is safe to assume that the Video on Demand (VoD) market will be a significant beneficiary of these developments. Internet consumption is clearly on the rise in India,” according to the ASSOCHAM-PwC study.

Data consumption in India will grow from the level of 71,67,103 million MB in 2017 to 10,96,58,793 million MB (megabytes) in 2022, growing at a compound annual growth rate (CAGR) of about 72.6 per cent, it said.

While the average Indian used to spend more on voice services than on mobile data services until 2013, the majority of an average mobile bill is now spent on data.

The average monthly spend on voice services in 2013 was Rs 214 compared to Rs 173 spent on data. In 2016, the spend on voice fell to Rs 124, while data spend rose to Rs 225, according to the report.

Video streaming constitutes roughly 65—75 per cent of the traffic, as per the Nokia Mobile Broadband Index 2018.

While internet penetration is increasing in India, with mobile internet penetration set to reach 56.7 per cent in 2022 from a mere 30.2 per cent in 2017, connectivity and consistency in speed issues need to be addressed, said the study titled ‘Video on Demand: Entertainment reimagined’. It further said that in a country where approximately 65-70 per cent of the population resides in rural areas, no service meant for the masses can afford to ignore this market.

Internet connectivity and speed issues are significant in rural areas as against urban areas. It is important for OTT (over-the-top) players to cater to the rural market if they wish to stay relevant. Thus, apps like YouTube, which support low Internet connectivity, will be able to penetrate faster into rural areas, according to the study.

The report also noted that there has been a value shift to platforms.

“Social media and technology platforms, instead of content creators and packagers, have emerged as the primary beneficiaries of the increase in user time and spending,” it added.

Another major aspect in the journey of OTT players will be the ability to personalise experiences. Emerging technologies would help companies create unique experiences that add value to the services provided to users. (Source: The Hindu BusinessLine)

‘Organisations should treat data as corporate assets’

‘Organisations should treat data as corporate assets’ Data is untapped business value
About 2.5 quintillion bytes of data are created each day and is exponentially accelerating with the growing Internet of Things (IoT) landscape. Given that data has become a key input for driving growth, organisations must treat it as a corporate asset for better and faster decision-making, said Snehashish Bhattacharjee, CEO, Denave, a sales enablement company.

Speaking to BusinessLine here, at the launch of DenTrack, Denave's proprietary end-to-end marketing tool, Bhattacharjee said that “Big Data’ can be categorised as structured/organised (Smart Data) and unstructured. The latter is pivotal for business strategists “as they hold the key to the perennial quest of where exactly is the next new customer.”

Data volume
Currently, around 5 billion consumers interact with data every day, with a new report suggesting that by 2025, that number will be 6 billion, or 75 per cent of the world's population. Studies suggest 90 per cent of the data in the world today has been created in the last two years. Bhattacharjee said for businesses to grow and thrive, "it is imperative to mine this untapped data to deliver meaningful insights", with the help of data analytics, to support business functions for desired outcomes.(Source:The Hindu Business Line)

WorkApps launches – A Video platform to help the BFSI sector move their physical processes to Video

WorkApps launches – A Video platform to help the BFSI sector move their physical processes to Video - A SaaS product to move processes like KYC, IPV, PD, Credit Verification to Video

Feb, 2019, Mumbai, Maharashtra: WorkApps, the Indian Enterprise Product Startup that specializes in Internal and Customer facing Chat solutions for the BFSI Sector, today launched a very unique video platform called, that will enable Banks, NBFCs, Securities, Insurance Companies, Mobile Wallets, and Mutual Funds to Digitize many of the physical processes using Video.

Most Financial Sector companies spend a lot of time and money on physical meetings with customers for various processes like…

1. KYC (Know your Customer) in case of Banking
2. In Person Verification (IPV) in case of Securities and Mutual Funds
3. Credit Verification / Personal Discussion for Loan underwriting
4. Health assessment of Medical Insurance
5. Claim settlement in case of Life Insurance
6. Vehicle / Property / Asset verification in case of General Insurance is a platform that will allow Customers to get on Video calls with Bank Employees using a simple browser on their Phones, Pads or Laptops. A customer doesn’t need a registration, login, app or plugin. A bank employee, on the other hand, will have features like Video Recording, Live Screenshots, Document Collection, Photo Capture, Customer Location and more that will enable them to complete their business workflow. Being an Indian company and building solutions for the Indian BFSI sector, has ensured that the video works even with low internet bandwidth speeds.

The solution can also integrate with any existing workflows of the company like a customer could be filling up a form, or doing a purchase, and gets connected on a Video Call with a bank employee.

NRI Banking, Virtual RM and Remote Banking
The BFSI sector is always in the constant lookout for solutions that can decrease their branch footfalls or reduce their call center traffic. also offers integrated solutions for Virtual RM, Remote Banking and Customer Support over Chat and Video. The solution includes Text Chat based support by authenticating the customer and having the chat history available on both sides.

Credit Verification for Loan Underwriting
Personal Discussion (PD) for Loan Underwriting is one of the most critical processes for NBFCs, which ensures their Bad loans are kept in check. A Credit Verification officer has to travel to meet the customer of every loan the institution is dispersing. Home, Personal, Auto etc. Migrating that process to Video will not only ensure that time and money is saved, but will also lead to faster loan processing, and a more authentic verification. Recording these interactions will also ensure that the archived video can be referred in case the repayment doesn’t go as per plan.

Rudrajeet Desai, Founder and CEO, WorkApps said “The need for a Product and Platform based solution like this, was very clear to us a few months back when we launched our Video Service in beta. We can proudly say that our Customers helped us build the product and it’s used cases with numerous inputs on how this would fit in their business processes and workflows, by adhering to their compliance requirements.”

Knowing that data security and ownership are of utmost importance to the BFSI sector, has ensured that they have all the data hosting options possible, and yet remain compliant with the Data Protection Law that is soon to be released in Parliament. Their services are available in 4 hosting options.

1. Public cloud on AWS Mumbai Region, which also ensures that all customer data remains in India
2. The conventional On-Premise setup for Large Enterprises
3. Private Cloud setup that is compatible with most Cloud Hosting Providers in India
4. A hybrid solution for smaller companies, where the data processing happens on servers, but the storage can be done on a device owned by the Client

Vishal Shah, Head of Data Sciences, Go Digit Insurance said “Digital Data Security is an extremely important aspect for the BFSI Sector today, especially when you are dealing with sensitive business information and customer data. WorkApps products are available in a Private Cloud setup, which becomes an extremely lucrative option for us. It’s like having all the benefits of a Cloud-based SaaS product, but with 100% data control and security.”

A solution like this is the need of the hour, given the current environment in the industry. The Indian Banks Association (IBA), the industry body representing banks and financial institutions, had written to the Reserve Bank of India (RBI) seeking revised KYC (know your customer) guidelines following the recent Supreme Court verdict on Aadhaar. Banks are worried about the impact on business due to the lack of clarity following the ruling.

In December last year, RBI had announced that they are strongly evaluating Live Video as an option for e-KYC process. After a ban on Aadhaar-based eKYC, mobile wallet transactions have since showed a decline, both in value and volume.

Financial Inclusion is a major initiative for the Government as well, and yet reaching out to Rural India remains a challenge for most BFSI players. Putting a branch and employee in every city, district or village is not possible and does not make commercial sense. Video-based solutions will only help cover this gap and allow faster and more processing of banking instruments. Only 7 to 8 percent of India’s population has access to formal credit, leaving a massive population that needs to be reached for Financial Inclusion. is also working on Video Signatures, something that could very well become the future of signing anything digitally. Imagine filling up a form on a bank’s website and then recording your video to authenticate that process using Facial Recognition.

6th Edition of India m2m + iot Forum 2019 concluded

6th Edition of India m2m + iot Forum 2019 concluded 6th Edition of India m2m + iot Forum 2019 concluded. The two-day forum witnessed industrious deliberations on smart cities & villages

The 6th edition of India m2m + iot Forum 2019 (, the national forum on machine-to-machine (m2m) and internet of things (iot) focused on applications of these disruptive technologies in smart cities and villages space was concluded on 15th January after 2 days of enthralling series of Panel discussions, Keynote addresses, Technology show at India Habitat Centre, New Delhi. The forum was jointly organized by the Department of Management Studies, Indian Institute of Technology Delhi (DMS, IIT - Delhi), FI Media (Future Internet and Electronic Media - a prestigious project of the European Union) and India m2m + iot Forum.

The forum highlighted the need of forward-looking policies and a proactive government to play a role in the development of smart cities & villages on the bedrock of JAM Trinity which has 1bn bank accounts (Jan Dhan) + 1bn Aadhaar + 1bn mobile broadband users, already organized for the technological revolution in this space, thus, Capitalizing the connected World with the help of modern & niche technologies like 5G, GIS, IoT, m2m and others. Likewise, the governments effort to connect 2.5 lakh Gram Panchayats with BharatNet project was discussed to leverage the smart villages concept in India.

5G vision for India was also one of the major highlights of the 2-day forum, as 5G technology has the potential for ushering a major societal transformation in India by enabling a rapid expansion of the role of information technology across manufacturing, education, healthcare, agriculture, finance and social sectors. The panelists voiced that India must embrace this opportunity by deploying 5G networks early, efficiently, and pervasively as well as emerge as a significant innovator and technology supplier at the global level. Emphasis should be placed on 5G touching the lives of rural and weaker economic segments so as to make it a truly inclusive technology.

6th Edition of India m2m + iot Forum 2019 concluded Ms. Aruna Sundararajan, Honorable Secretary, Department of Telecommunications, Ministry of Communications, Government of India via her message highlighted, “A city is a complex system, involving many different domains, infrastructure, organizations and activity which need to be integrated for that city to emerge as a smart city. Standardisation forms a critical part of the work that needs to be done. Being smart cities, a new holistic and cross functional standardization approach is needed, breaking the old ‘vertical silos’ approach, through better cooperation and synergies.”

“While the cities of India are fast progressing towards digitalization, it is encouraging to note that digital solutions are being readily accepted amongst the rural population of India as well. To support this technology adoption, the Department of Telecommunications (DOT), Ministry of Communications, Government of India, has initiated projects to provide broadband connectivity for connecting various digital services and solutions across our Urban and Rural Landscapes”, added Ms. Sundarajan.

Elated about the forum Mr. Kunal Kumar, Joint Secretary (Mission Director - Smart Cities), Ministry of Housing and Urban Affairs stated, “The forum can make noteworthy contributions to the Smart City Program at large. By sharing and collaborating on topics such as technology, multi-country experiences and innovative approaches, I am sure that we can bring together the best minds, and the surest hands to co-create cities of the future.”

The attraction of the forum was, NOT TO BE MISSED ‘Technology Show – by FIWARE Foundation member companies namely – NEC Technology India, APInf, MobilePedia and Smart Cities Lab Ltd where they demonstrated the OPEN SOURCE PLATFORM designed and developed by the FIWARE FOUNDATION– a market-ready open source software, combining components that enable the connection to IoT with Context Information Management and Big Data services in the Cloud.

The forum also hosted a dedicated session on 'India-EU Dialogue on ICT for Smart Cities' which was organized by the prestigious project, namely, ‘India-EU ICT Collaboration Standardization’ of the Delegation of European Union to India, highlighting the absolute need for ‘Leveraging Standards for Smart Cities’, which brought together key stakeholders and smart city officials.

Participants from across the globe got the opportunity to meet Stellapps Technologies – an end-to-end dairy technology solutions company – the first of its kind in India, Sensorise – an IOT Services and Solutions company, Phoenix Robotix – a network-IoT and Big data company, Sensable – an IoT company offering end-to-end smart solutions using artificial intelligence and machine learning, C-DOT – an autonomous Telecom R&D Centre of Department of Telecommunications (DOT), Government of India – showcasing Common Service Platform for m2m communications on oneM2M Specifications. “We appreciate the participation from our key partners, showing trust in the forum and the vision it stands for. The key speakers, thought leaders and industry leaders have made this forum a thought provoking one with dialogs on disruption these modern technologies can bring to make cities & villages smarter, and at the same time, mentoring the startups in this segment. We are proud to have EU partners to share their insight on business possibilities from across the globe. Thus, making the 6th edition of this forum a success” concluded Ms. Shilpi Batra, Director, India m2m + iot Forum 2019

Alibaba-backed Paytm wants to cash in on Amazon’s India distress

Alibaba-backed Paytm wants to cash in on Amazon’s India distress India’s online retail industry has been in turmoil since the government implemented stringent new rules to rein in major players like Inc and Walmart Inc’s Flipkart. Amid the uproar, Vijay Shekhar Sharma — whose two-year-old Paytm Mall is backed by Alibaba Group Holding Ltd — is quietly devising ways to outstrip his rivals.

The new regime forbids retailers from holding any business interest in online merchants on their websites, exclusive arrangements and deep discounts — forcing Amazon and Flipkart to redraw contracts and rescue thousands of product listings that vanished overnight. Sharma, the founder of Paytm Mall operator Paytm E-commerce Pvt, an affiliate of India’s largest digital payments provider, spoke in an interview this week about how his business stands to gain.

What’s been the impact of the regulations on your business?
The new rules require more stringent adherence by e-commerce marketplaces. For some of us who have been compliant all along, this gives us an opportunity to consolidate the business while rivals are otherwise busy. It’s attracting to our marketplace those partners and sellers who were fighting online retailers that skirted rules and threw money in the market. We’ve become a far stronger player.

How’s Paytm Mall doing?
Our cash-burn has come down. We have just turned net contribution positive. We are now at $3 billion GMV (Gross Merchandise Value), annually. Our focus is on growing the market by converting offline partners to online retail. That way we are bringing newer users on the app. Getting users to shop through our app has become our most important performance indicator.

How are you doing that? We are primarily an offline-to-online platform. Instead of having unorganised online sellers on our platform, it’s better to get organised offline sellers to come online. So we are bringing stores and shopkeepers from the physical world to sell online. We are strictly about quality and select cross-border items.

What kind of retailers are you signing up?
We have cracked a deal with Kishore Biyani of Future Retail and we bring a huge amount of traffic to his online store. Similarly, we have deals with Tata’s Croma stores and Reliance Retail. We have every kind of retailer from small neighbourhood stores to large chains.

How will the new rules affect others like Amazon and Flipkart?
In order to follow the rules in intent and spirit, their models will require a fundamental change. Right now they are finding workarounds. We are happy that the marketplace model prevails. The government’s made its intentions more than clear — it does not want those with foreign investors to do multi-brand retail. It doesn’t want them to influence pricing. It doesn’t want them dumping money in the form of discounts. All of this has been the playbook of many players. The new clarifications make it amply clear that their model has to change. (Source: The Hindu BusinessLine)

India's tech rules are taking on a Chinese quality

India's tech rules are taking on a Chinese quality For global technology giants looking for growth, India was supposed to be an easier hunting ground than China. But New Delhi's plan to compel the likes of Facebook and Alphabet's Google to actively police user-generated content threatens free speech.

For global technology giants looking for growth, India was supposed to be an easier hunting ground than China. But New Delhi's plan to compel the likes of Facebook and Alphabet's Googleto actively police user-generated content threatens free speech. Coming after edicts that limit foreign giants Amazon and Walmart in e-commerce, the rules suggest India may not be a much easier bet than the People's Republic.

The proposal, made by the technology ministry in December, addresses a real problem. It's an effort to curb the spread of misinformation after mob violence linked to messages circulated on Facebook-owned WhatsApp, which counts India as its largest market. The draft demands companies pre-screen user content, remove unlawful material within 24 hours and provide a way to trace the user. India is also asking any content provider with more than 5 million users to be locally incorporated.

If enacted, the policy would reduce various tax benefits and liability protections that consumer-facing tech companies enjoy as a result of being based in the United States, and elsewhere. An alarmingly broad definition of what constitutes "unlawful content" also leaves plenty of scope for self- censorship and enforced censorship in the run-up to a general election that must be held by May.

A lobby group which includes the big U.S. names has criticised the plan, ratcheting up trade tensions between the two countries. Local companies, including billionaire Mukesh Ambani's Reliance Jio and social network Sharechat are less concerned with the interference. Certainly, India is not the first to seek to curb the internet and use it on their own terms, benefitting domestic players in the process.

But it's a blow for tech behemoths who viewed the country of 1.3 billion people as a way to compensate for problems they have faced in larger and much richer China, which has, for years, banned the services of Facebook and YouTube owner-Google.

India's sheer size and potential allow it to make some demands. But companies like Google have faced significant backlash at home when they have attempted to bow to the demands of authoritarian regimes. Now that India has almost half a billion internet users, foreign companies may find that prize comes with strings attached.

- An Asian internet lobby group, which includes Alphabet's Google and Facebook, on Jan. 31 criticised India's plans to regulate social media content.

- The proposal drafted by India's technology ministry in December would compel companies to pro-actively prescreen user-generated content, and remove unlawful items within 24 hours and, if asked by a government agency, provide a way to trace the offending user within 72 hours.

- The draft has a very broad definition of "unlawful", including anything "grossly harmful, harassing, blasphemous, defamatory" and which "threatens the unity, integrity, defence, security or sovereignty of India" among other things.

- "We strongly feel that blanket regulation that is overly broad and contains vague and ambiguous language will jeopardise citizens' fundamental rights to privacy and free speech," the Asia Internet Coalition said in a press statement.

- India also wants any content provider with more than 5 million local users to incorporate in the country with a physical address and contact person.(Source:ETTelecom)

Golden goose: Telecom firms may continue to bleed as missed revenue targets leave no room for cut in levies

Golden goose: Telecom firms may continue to bleed as missed revenue targets leave no room for cut in leviesAny hopes that the telecom industry had of reduction in levies such as licence fee, spectrum usage charges or some form of further moratorium on the payment of deferred spectrum charges seem dashed now.

Going by the Interim Budget, it is quite clear that the department of telecommunications (DoT) is not going to bring about any reduction in levies as promised in the new telecom policy document.

The numbers on telecom earnings show that with declining tariffs in the industry, the sector’s revenues are falling and with that the government’s revenue as well. As a result, there’s hardly any room for the government to reduce levies.

Revenues through telecom earnings, which include licence fee, SUC and instalments of deferred spectrum payment, will fetch the government Rs39,245 crore in FY19 against the targeted Rs48,661.41 crore. This means there will be a shortfall of Rs9,416.42 crore.

The Budget estimates for FY20 have been fixed at Rs41,519.76 crore — a negligible growth over the final estimates of FY19.

In the final run-up, even this target is likely to be missed, considering that there’s no scope for tariffs to be increased and the number of players in the sector also reduced.

Till 2016, a big component of telecom earnings would be revenue through spectrum auctions. Though the companies were given the flexibility to pay through instalments spread over 16 years, an upfront payment of the bid amount (either 25% or 33% depending upon the bands opted for) was made. After 2016, there hasn’t been any auction since the industry is not in a shape to spend any more money.

Further, in September 2016, Reliance Jio entered the market and unleashed a tariff war which also meant lesser revenues for the government as licence fee and SUC are a percentage of the earnings of the companies.

Just for perspective, the adjusted gross revenue of the telecos declined by 35.2% between FY15 and FY18. This led to a decline in government revenues to the tune of 17.55% over the same period.

Therefore, the government now hardly has any room to cut any levy on telecom or rollover the deferred spectrum instalments which the industry needs to pay every year. (Source: Financial Express)

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