Does an IPO grade, which indicates 'Strong Fundamentals’ mean I could subscribe safely to the issue?

Does an IPO grade, which indicates ‘above average or strong fundamentals’ mean I could subscribe safely to the issue?

            1. Yes, because company will progress and give higher return in future.
            2. No, it should be read with disclosure in prospectus, risk factors and price at which shares are offered in the issue.
            3. Optional, because grading is not a guarantee for high return


Answer:
2. No, it should be read with disclosure in prospectus, risk factors and price at which shares are offered in the issue.


Explanation:
An Initial public offering (IPO) grade is NOT a suggestion or recommendation as to whether one should subscribe to the IPO or not. 

IPO grade needs to be read together with the disclosures made in the prospectus including the risk factors as well as the price at which the shares are offered in the issue.

IPO Grading Scale

CRISIL IPO GradeAssessment..
5 / 5Strong fundamentals..
4 / 5Above average fundamentals..
3 / 5Average fundamentals..
2 / 5Below average fundamentals..
1 / 5Poor fundamentals..
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Can an investor appoint a nominee for his investment in units of a MF?

Can an investor appoint a nominee for his/her investment in units of a mutual fund?
          1. Yes, only if he/she is applying / holding units singly.
          2. Yes, only if he/she is applying / holding units jointly.
          3. No, nominee can not be appointed for his/her investments in mutual fund.
          4. Yes, Individuals applying / holding units singly or / jointly can nominate.

Answer:
          4. Yes, Individuals applying / holding units singly or / jointly can nominate.



Explanation:

The nomination can be made by individuals applying for / holding units on their own behalf singly or jointly.  Non-individuals including society, trust, body corporate, partnership firm, Karta of Hindu Undivided Family, holder of Power of Attorney cannot nominate.


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ICICI Bank Quarter ended September 30, 2014: Net Profit Up by 15%

· 15% year-on-year increase in standalone profit after tax to Rs. 2,709 crore (US $ 439 million) for the quarter ended September 30, 2014 (Q2-2015) from Rs. 2,352 crore (US$ 381 million) for the quarter ended September 30, 2013 (Q2-2014)

· Operating profit increased by 21% to Rs. 4,698 crore (US$ 761 million) for Q2-2015 from Rs. 3,888 crore (US$ 630 million) for  Q2-2014

· 25% year-on-year increase in retail advances at September 30, 2014

· Year-on-year growth of 15% in current and savings account  (CASA) deposits; CASA ratio improved to 43.7% at September 30, 2014

· Net interest margin improved to 3.42% in Q2-2015 compared to 3.31% in Q2-2014


· Total capital adequacy of 17.41% and Tier-1 capital adequacy of 12.75% at September 30, 2014, including profits for the half year ended September 30, 2014

· 14% year-on-year increase in consolidated profit after tax to Rs. 3,065 crore (US$ 496 million) for Q2-2015 from Rs. 2,698 crore (US$ 437 million) for Q2-2014

The Board of Directors of ICICI Bank Limited (NYSE: IBN) at its meeting
held at Mumbai, approved the audited accounts of the Bank for the quarter ended September 30, 2014.

Profit & loss account

· Standalone profit after tax increased by 15% to Rs. 2,709 crore (US$ 439 million) for the quarter ended September 30, 2014 (Q2-2015) from Rs. 2,352 crore (US$ 381 million) for the quarter ended September 30, 2013 (Q2-2014).

· Net interest income increased 15% to Rs. 4,657 crore (US$ 754 million) in Q2-2015 from Rs. 4,044 crore (US$ 655 million) in Q2-2014.

· Non-interest income increased by 26% to Rs. 2,738 crore (US$ 443 million) in Q2-2015 from Rs. 2,166 crore (US$ 351 million) in Q2-2014.



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FDI Norms Eased: Affordable Housing Gets Leg Up

 FDI Norms in Construction:Cabinet Relaxes

The Cabinet has relaxed norms for foreign direct investment (FDI) in construction development to make the sector more attractive for overseas investors.

The minimum built-up area requirement for FDI in construction projects has been reduced from 50,000 square metres to 20,000 square metres, according to an official release.

The Central Government has also halved the minimum capital requirement for such projects from $ 1 Crore  to $ 50 lakh.

Projects that commit at least 30% of the total project cost toward low - cost affordable housing will be exempted from the minimum built-up area & capitalisation requirements.

However, there has been no relaxation in land-use norms.

The previous UPA Government was examining the option of allowing Indian firms with foreign investments to buy agricultural land with a promise to change it into non-agriculture use later.

Last month, the BJP- led Government relaxed FDI norms for the railways sector.



 Mr. Anuj Puri, Chairman & Country Head, JLL India, “The announcement has come in the nick of time. The construction sector’s share in total FDI has slipped from over 20% in 2009 - 10 to nearly 3% this year (2014), as developers reel under high levels of debt”

The easier rules will help speed up completion of projects, which are being delayed by a squeeze on funds due to elevated debt levels, he added. In the case of development of serviced plots, there is no condition of minimum land area.

The existing FDI policy allows 100% foreign direct investment in the construction sector subject to minimum built-up area and minimum capitalisation requirements.

According to the new rules, an investor will be permitted to exit on completion of the project or three (3) years after the date of final investment, subject to development of trunk infrastructure.

The Central government may permit repatriation of foreign investment or transfer of stake by one non-resident investor to another non-resident investor before the completion of the project.

These proposals will be considered by the Foreign Investment Promotion Board (FIPB) on a case by case basis.


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Central Govt.’s FDI Decision Comes In The Nick Of Time..!

By Mr. Anuj Puri, Chairman & Country Head, JLL India

The government’s decision to relax FDI rules in the construction sector literally comes in the nick of time for Indian real estate. During the current fiscal year until August, 2014 India has received FDI inflows worth USD 1740 cr, or 70 % of the total inflows received during the entire fiscal year of 2013-14.

However, FDI inflows received by the Construction, Housing and Real Estate segment do not reflect the same sentiment.

The sector’s share in the total FDI has further slipped from 5% in the previous year to under 3% as of the current fiscal until August, 2014.

In fact, its share has been consistently falling over the last 6 years since 2009 -10, when it stood at over 20 %. Meanwhile, developers continue to reel under high levels of debt, even as the channels of funding have shrunk.
 
Anuj Puri, Chairman &
Country Head, JLL India
The announcement has taken into consideration the proposals made by the DIPP. There has been a relaxation in norms related to built-up area, capitalisation and lock-in period. 


Minimum built-up area has been reduced to 20,000 square metres from 50,000 square metres, and minimum capitalisation has been halved to $ 50 lakh from $ 1 crore. The easier rules will help faster completion of projects delayed by a squeeze on funds due to elevated debt levels.
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Android Budget Smartphones below Rs. 6,999..!

These devices offerr value for money & come with the latest specifications. Karan Bajaj & Hitesh Raj Bhagat, ET take you through the various s offerings in the market.

ANDROID ONE SERIES

Android One is a Google initiative to make smartphones accessible to all. Its India partners - -Spice, Karbonn, Micromax--are offering phones with the same specifications: quad core processor, 1 GB RAM, 4 GB storage, 1,700 mAh battery and Android 4.4.

MICROMAX CANVAS A1
MRP: Rs. 6499

The Canvas A1 is trendy and has a raised circular back camera. It runs smoothly, which makes the day-today experi ence enjoyable. When it comes to gaming, apart from a few titles, like Shadowgun and Dead Trigger, which require a larger RAM, most games, including Temple Run & Angry Birds, work fine.

The audio output is loud and clear. The display is bright, with good viewing angles, but closer inspection reveals a low resolution. The primary camera clicks good photos in daylight as well as indoors. The only issue is the phone's battery life, which struggles to last a full day.

SPICE DREAM UNO
MRP: Rs. 6299



Spice Dream Uno is the cheapest offering in this category. Its design is simple, but the phone is sturdy. The display is average, but is lag-free when it comes to multitasking, media playback or basic gaming.

For RAM-intensive games, it fares better than the Canvas A1 when there are no apps running in the background. The camera is average because the photographs look good on screen, but the noise is visible on zooming in.With mixed usage and constant data connectivity, the battery lasts a day.

The biggest advantage of this device is the free 10 GB of cloud storage that the company is offering.

KARBONN SPARKLE V
MRP: Rs. 6399

While the other 2 devices in the Android One range stick to the standard black-andwhite colour option, the Sparkle V is available in blue and red. The build quality is more or less similar to the other devices, but the Sparkle V's rear panel is a fingerprint magnet. The stock user interface is zippy and there is no visible lag.

The rear 5 MP camera suffers from noise and this is clearly evident even on the phone's display. The battery life is as expected, and lasts one day with mixed usage.

The USP of this device now is its price. At the time of writing this article, the smartphone was available for `5,999, which makes it the cheapest buy in the market.

GLOBAL BRANDS

XIAOMI REDMI 1S
MRP: Rs. 5,999

The features offered by Redmi 1S are unheard of at this price point. It has a 4.7 inch display with a resolution of 1,280 x 720 pixels, and is powered by a 1.6 GHz quad core Snapdragon 400 processor. It features an 8 MP rear camera capable of recording full HD video and a 2,000 mAh battery.

The interface is loaded with useful features and settings. The phone has no issues running hardware-intensive games, but tends to heat up. The only damper is the lack of a backlight for the home, back and menu keys.

HUAWEI HONOR HOLLY
MRP: Rs. 6,999

The phone has a 5 inch HD display and 16 GB internal storage. The screen is bright with good viewing angles, but is bulky at 156 g. Its quad core processor & 1 GB RAM manage to deliver a smooth performance, but the phone tends to lag when multiple apps are running.The 8 MP rear camera takes good images, but suffers from noise indoors and in low light conditions.

MOTO E
MRP: Rs. 6,999

The Moto E is a trendsetter. Its 4.3 inch display (960 x 540 pixels) has good viewing angles and features Gorilla Glass 3. The phone's stock Android interface offers good performance and switches between apps without a hitch.

It is powered by 1.2 GHz quad core processor and 1 GB RAM.The 5 MP fixed focus camera without an LED flash is a letdown.


Src: ET
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2014 India Venture Capital and Private Equity Report


 The 2014 India Venture Capital and Private Equity Report on November 3, 2014 This is the 6th report in the series published by IIT Madras. The release function would be held at the Central Lecture Theatre, IIT Madras Campus, Chennai 600036 on November 03, between 5 PM – 6:30 PM. The report, titled, The Fuel for Wealth Creation, focuses on an unexplored facet of the industry so far  - Limited Partners (LPs), that is capital providers to VCPE firms.

The Chief Guest for the event would be Mr. Vikram S. Gandhi, Founder and CEO, VSG Capital Advisors.

Mr. Vikram and VSG Capital Advisors have been retained by The Canadian Pension Plan Investment Board as Senior Advisors to provide strategic advice and develop and facilitate investment opportunities in the Indian sub-continent. Prior to forming VSG Capital Advisors, Mr. Vikram was Vice Chairman of Investment Banking and Global Head of Financial Institutions Business for Credit Suisse, in New York and Hong Kong.

He was a member of Credit Suisse's Global Investment Banking Management Committee and the Fixed Income Operating Committee. Prior to his tenure at Credit Suisse, Vikram worked at Morgan Stanley as the Co-Head of Global FIG in New York; and as Country Head and President of Morgan Stanley India. During his 23 year career in investment banking, Vikram has focused on advising Board of Directors and CEO’s around the globe on strategic direction and the implementation of major mergers, acquisitions, and capital raising initiatives.


Mr. Vikram is also the Founder of Asha Impact, a platform set up by socially-conscious and high-net-worth individuals led by himself, leveraging their combined capital, networks and expertise to address the critical development challenges facing India and other emerging economies through impact investing, venture philanthropy and policy advocacy. Currently based in New Delhi, India, Asha Impact is focused on providing equity and grant capital to social enterprises as well as engaging with government, business and civil society on key policy issues.

Mr. Vikram has been involved with various developmental activities in India and globally. He is a Board Member and Chairman of the Asian Regional Committee of Grameen Foundation, a Board Member of Janalakshmi Financial Services, and a member of the Investment Committee at Gawa Capital. Vikram is also a member of the Bretton Woods Committee, Washington DC, which plays an important role in promoting economic growth, reducing poverty and maintaining global financial stability.

 There is no registration fee, but could let know about participation, it will help us in planning.
Please RSVP to: vcpereport@wmail.iitm.ac.in

For more details
Mr. Thillai Rajan A.
Associate Professor
Department of Management Studies, IIT Madras
D: +91 44 2257 4569 | O: +91 44 2257 4550 |
 F: +91 44 2257 4552  |
thillair@iitm.ac.in

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QATAR AIRWAYS LAUNCHES "DOUBLE THE LUXURY" OFFER ON WORLD'S BEST BUSINESS CLASS

Two Business Class Tickets for the Price of One to SelectDestinations Worldwide
Special Offer in Celebration of First Anniversary of Qatar Airways joining oneworld 
DOHA, Qatar– In celebration of its first anniversary of joining the oneworld global alliance,Qatar Airways is offering customers in India a fabulous Double the Luxury offer.Passengers booking a Business Class ticket will receive a second Business Class ticket for free, for their travelling companion*. 

The promotion will runfrom today until 31st October 2014 and is valid for travel until 31st March 2015 to select destinations across Europe, Africa, the Middle East and the Americas.     

Qatar Airways Vice President Indian Subcontinent,Ihab Sorial said: “It is our constant endeavour to provide our customers with enticing and exciting incentives. This Double the Luxury special promotion will enable our Business Class customers to take advantage of a fantastic two-for-one opportunity with our award-winning Business Class service.”

Qatar Airways’ customers fromIndiacan avail of this offer by visiting any Qatar Airways sales office,appointed travel partners or qatarairways.com.This offer also allows Qatar Airways’ Frequent Flyer Programme – Privilege Club members a chance to earn 50% bonus Qmiles on their travel, by simply registering at least 24 hours before their travel.

Qatar Airways’ signature five-star hospitality offers passengers aninflight experience like no other. Awarded Best Business Class for two consecutive years by industry audit Skytrax, the airline provides a premium travel experience to passengers combined withunparalleled comfort, sophisticated luxury and excellent service.

While flying with Qatar Airways, passengers are also able to experience the world’s latest international gateway, Hamad International Airport, in Doha, with its state-of-the-art facilities and seamless connections to global destinations.

The airlineoffers a wide connection of flights from 12 cities in India via its hub in Doha to an exciting choice of destinations –Barcelona, Chicago, Dallas, Houston, London, Miami, New York, Paris, Philadelphia, Rome, Washington DC as well as many more.

Qatar Airways’ award-winning five-star service continues onboard with its renowned entertainment system which offers passengers up to 1,000 channels of the latest inflight entertainment.

The airline has seen rapid growth in just 17 years of operation, to the point where today it is flying a modern fleet of 137 aircraft to 145 key business and leisure destinations across the Middle East, Asia Pacific, Africa, North America and South America.

*Exceptions and other terms & conditions apply. Please review at the time of booking.

For further information contact:
Qatar Airways Group, Corporate Communications Department
Tel: +974 40222072, Fax: +974 40225350
E-mail: 
qrmedia@qatarairways.com.qa
Website: 
www.qatarairways.com

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EXL 2014 Third Quarter Revenues of $122.5 Million

EXL REPORTS 2014 THIRD QUARTER RESULTS

2014 Third Quarter Revenues of $122.5 Million and Adjusted Diluted Earnings Per Share (EPS) of $0.44

New York, NY – 
 ExlService Holdings, Inc. (NASDAQ: EXLS), a leading provider of outsourcing and transformation services, today announced its financial results for the third quarter of 2014.

Rohit Kapoor, Vice Chairman and CEO, commented:  “EXL achieved third quarter revenues that exceeded our expectations. Growth was driven by strength in our Transformation segment which grew 38% year over year led by growth in Decision Analytics. The growth we experienced in Decision Analytics in the first half of 2014 continues in the second half of the year with new engagements in the banking, healthcare and retail industries.  In our Outsourcing segment, we won two new client engagements in utilities, and travel, transportation and logistics.”

“Today we announced the acquisition of Overland Solutions, Inc., a leading provider of underwriting support services including premium audit, commercial and residential underwriting surveys and outsourced loss control services.  Overland Solutions will enhance EXL’s position in the property and casualty insurance (P&C) industry with its leading domain expertise, proprietary technology, and client relationships which include 21 of the top 25 P&C underwriters.  Overland Solutions adds to EXL’s on-shore delivery capabilities with its nationwide footprint. We look forward to integrating Overland Solutions with our Outsourcing business and enhancing the suite of BPaaS offerings EXL provides to P&C insurers.”

Vishal Chhibbar, EXL’s CFO, commented: “In the third quarter, EXL achieved revenues of $122.5 million, or $132.1 million excluding $9.6 million of reimbursement of disentanglement costs. Based on our strong revenue performance and cost discipline in the third quarter, we were able to sequentially improve adjusted operating margins by 210 basis points.  The acquisition of Overland Solutions is expected to be immediately accretive to adjusted EPS.”


“For 2014, we are revising our revenue guidance upward to $514 million to $518 million from $490 million to $503 million.  The drivers of our guidance revision include the contribution of Overland Solutions, strong business performance, and higher revenue from transitioning clients. We believe our 2014 adjusted EPS range will be at the higher end of our previous guidance of $1.70-$1.80. Our revenue and adjusted EPS guidance excludes the impact of the reimbursement of disentanglement costs.”

Financial Highlights – Third Quarter 2014

Reconciliations of adjusted financial measures to GAAP are included at the end of this release.
•Revenue for the quarter ended September 30, 2014 was $122.5 million compared to $122.3 million for the quarter ended September 30, 2013 and $119.7 million for the quarter ended June 30, 2014.  Revenue for the quarter ended September 30, 2014 was reduced by approximately $9.6 million due to the reimbursement of disentanglement costs.   Outsourcing services revenue for the quarter ended September 30, 2014 was $91.2 million compared to $99.7 million for the quarter ended September 30, 2013 and $94.3 million for the quarter ended June 30, 2014.  Transformation services revenue for the quarter ended September 30, 2014 was $31.3 million compared to $22.6 million for the quarter ended September 30, 2013 and $25.4 million for the quarter ended June 30, 2014.

•Gross margin for the quarter ended September 30, 2014 was 30.6% compared to 41.1% for the quarter ended September 30, 2013 and 32.1% for the quarter ended June 30, 2014. Outsourcing services gross margin for the quarter ended September 30, 2014 was 31.0% compared to 43.3% for the quarter ended September 30, 2013 and 33.7% for the quarter ended June 30, 2014. Transformation services gross margin for the quarter ended September 30, 2014 was 29.4% compared to 31.5% for the quarter ended September 30, 2013 and 26.2% for the quarter ended June 30, 2014. 

•Operating margin for the quarter ended September 30, 2014 was 4.4% compared to 16.0% for the quarter ended September 30, 2013 and 5.1% for the quarter ended June 30, 2014.  Adjusted operating margin for the quarter ended September 30, 2014 was 14.3% compared to 19.6% for the quarter ended September 30, 2013 and 12.2% for the quarter ended June 30, 2014. 

•Net income for the quarter ended September 30, 2014 was $6.1 million compared to $13.2 million for the quarter ended September 30, 2013 and $7.8 million for the quarter ended June 30, 2014.  Adjusted EBITDA for the quarter ended September 30, 2014 was $24.4 million compared to $28.4 million for the quarter ended September 30, 2013 and $20.5 million for the quarter ended June 30, 2014.

•Diluted earnings per share for the quarter ended September 30, 2014 were $0.18 compared to $0.39 for the quarter ended September 30, 2013 and $0.23 for the quarter ended June 30, 2014.  Adjusted diluted earnings per share for the quarter ended September 30, 2014 were $0.44 compared to $0.48 for the quarter ended September 30, 2013 and $0.41 for the quarter ended June 30, 2014.

Business Highlights

•Acquired Overland Solutions, Inc. on October 24th  for $53 million in cash.  Overland Solutions, based in Overland Park, KS, is a leading provider of underwriting support services including premium audit, commercial and residential underwriting surveys and outsourced loss control services for the P&C industry. The transaction is expected to be immediately accretive to adjusted EPS and to contribute approximately $10 million of revenue in the fourth quarter.
•Entered into a $50 million five-year revolving credit facility with an option to increase the commitments under the credit agreement by $50 million. The credit facility is expected to be used for working capital and strategic acquisitions.
•Announced the appointment of Henry Schweppe in the role of President, Global Business and Marketing.
•Opened a new center in Alabang, Philippines, adding 570 workstations of additional delivery capacity and opened a new delivery center in Dallas, Texas to serve our F&A clients.
•Expanded multiple outsourcing services relationships, including migrating 32 new processes in the third quarter of 2014. 
•Won 7 new clients during the third quarter, including 5 transformation clients.
•Recorded headcount as of September 30, 2014 of 23,050 (including employees under managed services), compared to 21,350 as of September 30, 2013 and 23,100 as of June 30, 2014.
•Reported employee attrition for the quarter ended September 30, 2014 of 38.0%, compared with 25.4% for the quarter ended September 30, 2013 and 34.1% for the quarter ended June 30, 2014.

2014 Outlook

Based on current visibility and an Indian rupee to U.S. dollar exchange rate of 61, EXL is increasing its guidance for calendar year 2014.  Guidance excludes the impact of the reimbursement of disentanglement costs:
•Revenue of $514 million to $518 million. 
•Adjusted diluted earnings per share, excluding the impact of stock-based compensation expense, amortization of intangibles and associated tax impacts, at the higher end of our guidance of $1.70-$1.80.

Conference Call

ExlService Holdings, Inc. will host a conference call on Thursday, October 30, 2014 at 8:00 a.m. (ET) to discuss the EXL’s quarterly and annual operating and financial results.  The conference call will be available live via the internet by accessing the investor relations section of EXL’s website at ir.exlservice.com, where an accompanying investor-friendly spreadsheet of historical operating and financial data can also be accessed.  Please go to the website at least fifteen minutes prior to the call to register, download and install any necessary audio software.

To listen to the conference call via phone, please dial 1-877-303-6384 or 1-224-357-2191 and an operator will assist you.  For those who cannot access the live broadcast, a replay will be available on the EXL website (ir.exlservice.com).

________________________________________
About ExlService Holdings, Inc.

ExlService Holdings, Inc. (Nasdaq:EXLS) is a leading provider of outsourcing and transformation services. EXL primarily serves the needs of Global 1000 companies from global delivery centers in the insurance, healthcare, utilities, banking and financial services, transportation and logistics and travel sectors. EXL's outsourcing services include a full spectrum of business process management services such as transaction processing and finance and accounting services. Transformation services enable continuous improvement of client processes by bringing together EXL's capabilities in decision analytics, finance transformation and operations and process excellence services. Find additional information about EXL at www.exlservice.com.

EXLSERVICE HOLDINGS, INC.
CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except share and per share amounts)


                                                                                                     (Unaudited)

Three months ended September 30,
Nine months ended September 30,
2014
  
2013
2014
2013
Revenues
$           122,457
   
 $              122,315
   
 $                363,992
   
 $       354,329
Cost of revenues (exclusive of depreciation and amortization)
                84,983
   
                   72,049
   
                   241,164
   
          218,892
Gross profit
                37,474
   
                   50,266
   
                   122,828
   
          135,437
Operating expenses:
  
   
   
General and administrative expenses
                15,952
   
                   15,791
   
                     46,992
   
            44,265
Selling and marketing expenses
                  9,117
   
                     8,993
   
                     28,812
   
            27,884
Depreciation and amortization
                  7,014
   
                     5,969
   
                     20,049
   
            18,843
Total operating expenses
                32,083
   
                   30,753
   
                     95,853
   
            90,992
Income from operations
                  5,391
   
                   19,513
   
                     26,975
   
            44,445
Other income/(expense) :
  
   
   
Foreign exchange income/(loss)
                     642
   
                   (2,508)
  
                         (328)
  
            (3,126)
Interest and other income, net
                  1,044
   
                        465
   
                       2,861
   
              1,761
Income before income taxes
                  7,077
   
                   17,470
   
                     29,508
   
            43,080
Income tax provision / (benefit)
                  1,002
   
                     4,230
   
                       4,523
   
            10,842
Net income
 $               6,075
   
 $                13,240
   
 $                  24,985
   
 $         32,238
Earnings per share:

  

  

  
Basic
$                 0.18
   
 $                    0.40
   
 $                      0.76
   
 $             0.98
Diluted
$                 0.18
 $                    0.39
 $                      0.74
 $             0.95
Weighted-average number of shares used in computing earnings per share:
Basic
       32,890,475
   
            32,907,281
   
              32,743,384
   
     32,737,267
Diluted
         33,676,665
   
            33,955,445
   
              33,594,304
   
     33,859,525


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