Harva Project (1)

8/4/2019 Harva Project (1)

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An innovative company

Presented by :-

Rajdeep Laha

Sabyasachi Bhattacharya

Anay Halder

PGDM (2010-2012)Calcutta Business School

Faculty :- S.N Mookherjee


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Why HarVa A for profit rural enterprise

HarVa means Green for the villages and stands for Harnessing Value ofrural India. We are a rural start up that primarily focuses on SkillDevelopment, BPO, Community based farming and Microfinance. HarVa

aspires for sustainable inclusive growth by creating value in the heart ofRural or Real India. Our model focuses on the vast intellectual andinfrastructural capital in the interiors by developing several productivecommunities that enhance the intrinsic value of villages.

Although the rural Sustainable Development mandate has been in place

for last several years but there is still no recipe on how to make it happen.HarVa specializes in finding the right approach to achieving maximumsocial, economic and environmental sustainability through appropriatedevelopment in rural India. At the same time, we focus on enhancing thecapacity of the villagers who then become HarVa brand ambassadors andimplement these sustainable development changes.


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Our Vision Idea to Reality

We aim to assist rural India to access and harness the opportunities that urbanIndia / local environment offers for a better quality of life. It includes supportingvarious development projects that create employment for villagers. Our foundationis built on "Blue Ocean" strategy with dual benefits of building a profitable businessmodel and creating socio-economic value. The engine that drives this model is theout-of-the-box thinking leading to innovations and inventions relevant to connecting

rural India with corporate world. We intend to create farming groups and RuralBPOs that foster and engender greater investments from the corporate world intothe rural sector.

With a difference

The capitalist economy has failed to address the combined challenge of economicand social upliftment. Most of the companies are gripped with and revolve around

customer centric model, profitability and building shareholder value. Although, someof them have adopted corporate social responsibility programs, they have failed togenuinely add value to rural India and society in general because most of theirinitiatives are not part of their core business model.

HarVa aims to take up the challenge by blending both a profitable and social model.The hybrid model takes entrepreneurship to new a level where profits aremaximized by adapting various innovative steps aimed to reap benefits from the

current rural labour arbitrage and address the social issues like rural employmentand education.


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THE BUSINESS MODEL Rural Sector About 72 percent of India's billion-plus people live in rural areas. For

years, the poverty of rural India was seen as reining in the country'seconomic growth. But today analysts say, rural India is a critical audiencefor marketers because it has been relatively insulated from the cripplingblow of the global slowdown.

India's rural destiny still depends on good monsoon rains and robustagricultural production, but four years of bumper crops and heavygovernment investment in rural infrastructure have given birth to whatsome analysts call an emerging economy within India.

Traditionally, rural economy is characterized by village farming, modern

agriculture, handicrafts, and a wide range of support services.


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Business Risk The entry barriers in this sector-

Heavy infrastructure cost like electricity and transport that accounts for onan average 30% higher than their urban counterpart.

Higher dependence and difficult to liaison with local administrative and

government bodies Inadequate skills of the local labor workforce

Time required to win confidence and build relationships with villagers andinfluential people

Scattered geography makes it tough to set up and control distributionnetwork

Social and cultural backwardness

The biggest challenge faced by a rural industry is from their counterpartsin Tier 2 and Tier 3 cities. These places can act as substitute destinationsfor investment and growth. These places are similar with respect todeliverables and slightly higher cost but on the other hand smaller cities

have better infrastructure and labor.


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Double Bottom Line

Businesses traditionally judge their own performance against one bottom line thefinancial one. However in the rural sector we consider social service as well - DoubleBottom Line. The Double Bottom Line is a relatively new concept that allowscompanies to evaluate their performance based on the adoption of sustainability andvalue creation. This gives us an edge to bargain more with the suppliers as well asbuyers. Vendors usually give discounts on supplies in order to associate with a socialenterprise and boost their corporate image. Financial institutions are more than willing to

invest capital and support them at competitive rates for a longer tenure. Spurring innovation and job creation in rural communities is key to ensuring our success

in the long term. We understand that a rural enterprises can no longer benefit fromtraditional strategies instead, we need to generate economic value for rural communitiesthrough development based on new jobs, increased incomes, create local wealth,improve the quality of life for rural residents, and bring rural communities to function inboth local and global economy.

Strategy

Our innovative concept of HarVa parivaar gives us a cutting edge. We endeavor to trainentire families and employ them according to their skill. This helps us to build strongrelationships and ensure that attrition is minimal. Productivity and efficiency are driven byincentives linked to joint performance by each family. Each member of the familyexperiences great competitive pressure from each other to perform to the best of theirability.


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HarVa parivaar

The CapEx required to start a business venture in rural areas isvery high. In order to justify and optimize the expenses, we havemodeled our enterprise for end-to-end solutions; from skill

development to employment generation. Backward and forwardintegration of our business vertical gives us several opportunities torationalize the overall expense. Looking forward, we believe ruralsector will be the engine for growth because prospects in urbanIndia are shrinking. With technological advances, the outlook of

villages has improved significantly, thus allowing companies toproduce array of goods and services for and from the villages.


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Management Team We at HarVa We are a group of young, dynamic and creative individuals who are

determined to improve the lifestyle of rural India. Our motivation comesfrom our exposure to the social problems and challenge for findingmentally stimulating and cost effective solutions. Most of our efforts arepath breaking that redefines present mindset of people. Our out-of-the-box

ideas are unconventional but we realize that they are necessary in order tobring about sustainable rural transformation. Every person associated withHarVa is a social entrepreneur with the ability to visualize and articulatenew approach to problem solving. Our passion is to make a positivedifference in rural India that faces significant social, economic andecological challenges. We subscribe to the following principles in our work:

Look for business opportunities keeping labor arbitrage as a backbone

Persistence and Innovation to seize opportunities where the potentialis yet untapped

Confidence building in locals with positive team work


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Ajay Chaturvedi Founder & Chairman Besides serving on boards of several companies, Ajay is an ex-Citi where he

served in Strategy and Sales positions in Cards and Consumer banking verticals.Ajay begun his career with IBM Consulting in the US and has over 14 years ofexperience in Management, Operations and IT Consulting across FinancialServices, IT and ITeS industries in US, UK, and South East Asia. Prior to Citi, Ajaywas the Transition Leader at Global Vantedge, a company that was a pioneer in

many ways besides being the first offshore receivables management provider. Ajayis an Engineer from BITS Pilani and a Graduate in Management of Technology fromthe School of Engineering and The Wharton School of the University ofPennsylvania.

Ajay truly believes in the power of cost effective innovation on all aspects that willlead to value creation across the world, especially in India and supports the Socio-

Capitalistic business models as the drivers of inclusive growth. He also thinks thatthe real growth in rural areas across the world and in India is yet to come and ispossible only when we get into the real fabric of the country and not just overlaythoughts and patterns from the developed nations. A voracious reader, an avidgolfer and an ardent traveller, Ajay spent almost a decade living in the US andacross the world and now lives in Gurgaon. Most recently Ajay was awarded CNNIBN Youth Icon / Young Indian Leader of the year.


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Karan Jain Head, Rural BPO (Core Member of the foundingteam)

Prior to joining HarVa, Karan was a Senior Analyst with JP Morganin Mumbai. Karan has strong leadership qualities and high ability tolearn, grasp and explain cutting edge concepts. Karan has been

instrumental in launching some of the latest campaigns that haveled to significant cost saves and revenue boosters. Karan is alwayskeen on pursuing opportunities where he gets to work on theemerging markets and untapped potential of the unexploredterritories. Karan is a Commerce graduate from Delhi University.


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Deepak Prabhakaran Head, Rural Legal Process Outsourcing Deepak Prabhakaran is a practicing advocate with 3 years of work

experience having practiced in Supreme Court of India, Delhi High Court,Bombay High Court at Aurangabad and Kerala High Court at Cochin. Hehas been contesting legal cases at Trial Courts and varied Tribunals suchas: Labour & Industrial Courts, Provident Fund Appellate Tribunal, Board

for Industrial and Financial Reconstruction etc... Deepak has been anassociate to a number of leading law firms in Delhi & Gurgaon.

Deepak is currently an associate counsel for Athena Law Associates andRNYC & Company. Deepak has also worked for KMP Legal International& KSB Partners, and have handled matters covering varied legal issuesconcerning Aircraft Rules and Compliances, Excise & Customs, Corporatematters covering Corporate Compliances and Litigation etc. Deepakcompleted hisBachelors Degree in Law from the Faculty of Law, GuruGobind Singh Indraprastha University, Delhi.


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Mohd. Mubin Qasmi Project Coordinator, Haryana Mubin Mubin runs a school of English Language and Social

Studies in Ferozepur Jhirka, Mewat District. Mubin has an eclecticbackground and a very interesting career path that spans acrossthe world. He has lived and worked across Middle East and Arab

countries as a translator guide and coach. Mubin relocated back toIndia to work in Mewat and has been associated with HarVa forabout a year. He has been convinced of the objectives andpurpose of the company and is determined to make the RuralXPOs a success.


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Clients and Partners


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Advisors

Mr Kuldip K Sharma - Advisor, Strategy & Finance Mr Sharma is a senior banking professional with banking and finance

certifications, with over 35 years of qualitative experience in the spectrumof leadership, general management, branch operations and marketing inthe banking industry. Kuldip has hands-on experience in incubating,nurturing and developing businesses from inception to finish with good

exposure to most geographical regions of the country. Mr Sharma is a keen planner and strategist and a master at nurturing and

steering teams. His forte is in building organizational capability anddeveloping/managing human resources. Recognized by managements forexceptional performance in recording turnarounds and impacting bottom-lines, reflected in a number of unique and special awards throughout hiscareer.

Mr Sharma has worked with both public and private sector banks and hislast assignment was as Executive Director with a large old Private Sectorbank. Mr Sharms is a Post Graduate in Physics, Economics and a MBA,CAIIB


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S K Virmani Legal Counsel Mr Virmani is an ardent and successful investor in the Rural and Real

Estate verticals. Besides being an investor in SeedKapital, Mr. Virmani is apractising lawyer with an experience of about 32 years in the field ofcorporate, litigation, taxation, consumer, property related matters, disputesresolution, land acquisition etc. He has been practising in Delhi High Court

and Supreme Court of India. He has been retained by corporates likeBharti Airtel Limited and its group companies, Emaar MGF Lands Pvt.Ltd., Techpark India Pvt. Ltd, Duraline India and many others. Mr. Virmanihas also been ratained by many group housing societies for their legalwork.

Mr. Virmani was Secretary of Delhi Tax Bar Association for two years andalso served the Bar as its Vice President. He has authored several booksand is also associated with various journals at Delhi High Court andSupreme Court.

Mr. Virmani got a law degree from Kurukshetra University in 1979 andgraduated from Dyal Singh College in the year 1976.


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Sunil Sapra - Advisor Sunil Sapra is the Country Manager- India/ SAARC with Astaro AG. Astro

is the most popular European brand for internet security solutions. Sunil isan engineer from BITS, Pilani and over last 16 years, has developedexpertise as start up specialist for regional operations of IT productmultinationals in the field of ERP, Data Storage and Data Security. He

started VERITAS Softwares North India operations back in 2002, builtHitachi Data Systems North India operations in 2005 and most recentlyturned around WatchGuard Technologies India business.

Sunil is a passionate entrepreneur and co-founded RISAN managementconsulting. RISAN provides India entry solutions to niche IT productmultinationals as the India JV partner and also provides professional &success coaching to organizations and individuals.

He has also co-founded Asia Entry Pte Ltd. - A Singapore basedinvestment and consulting company providing Asia business developmentexpertise, joint ventures and investments to multinational and Indian ITproduct companies.


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Amit Saxena - Advisor, Micro Finance

Amit Saxena is CEO & Founder at KARVY Finance, a NBFC supported by Private EquityPartners & KARVY Group, one of Indias largest Financial Services Intermediaries in Stocks &Commodities Broking, Registry Services, Wealth Management & other capital markets activities.KARVY Finance is focused on Capital Markets Finance, Corporate Finance, Mortgages & RetailFinance products with a target of $100 million loan portfolio by FY11 and a $ 1 billion loanportfolio by FY14.

Amit did his schooling at Doon School Dehradun, obtained a B.E. (Chemical Engg.) degree fromB.I.T.S Pilani, worked in I.T. sales for a year and went on to do a MBA from IIM, Lucknow with aSummer Associate stint at Citibank.

Amit started his career in 1998 and joined the Start up Core Team at AVCO Financial Services(later Associates First Capital Corporation), a multinational financial services organizationsetting up base in India. Amit was involved in setting up the national distribution for AutoFinance, Sales Finance, Mortgages & Personal Loan products for the organization.

Post merger of Associates First Capital Corporation with Citigroup worldwide in 2001, Amit

continued to hold various leadership positions including Division Business Head, NationalProduct Head and Project Leader for country start ups in Asia Pacific region. In his last role atCiti, Amit was part of the Management Committee and served as the Vice President andDivision Head for the largest and most profitable West India division of the country comprisingover 100 branches with 500 direct and over 3000 outsourced employees.

Amit likes to play chess & golf and enjoys reading. Amit believes that one has to shape onesown destiny regardless of the environment and contribute towards common good to the best of

ones abilities. In this struggle lies the source of indestructible happiness and goal of life.


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Anurag Batra Advisor, Media & Entertainment

Mr. Anurag Batra is a B. Tech in Computer Sciences, a degree, which he acquiredbefore pursuing his post-graduation from the prestigious Management DevelopmentInstitute (MDI), Gurgaon. He is an entrepreneur, journalist, internet evangelist andmedia expert and the Chairman and Managing Director of the exchange4mediagroup, which includes exchange4media.com, India's leading media industrywebsite, PITCH- India's only Advertising, Marketing and Media magazine, Impact

the marketing weekly, Franchise Plus - India's Business Opportunity Magazine andRealty Plus - India's leading monthly real estate magazine. Batra has a multi-industry experience, having worked with India's largest advertising and mediaservices firm HTA (now JWT and Mindshare), and in the Real Estate industry.

Mr. Anurag Batra is a member of the Sales & Marketing committee of the DelhiManagement Association and on the Executive Committee of the Association ofIndian Magazines (AIM). Mr. Batra has been regularly called upon to speak at

various international forums including the prestigious NAB(National Association ofBroadcasters) in Las Vegas and The American Business Media Forum in New Yorkand Florida, and he contributes extensively to various national and internationalpublications. In 2006, the prestigious Management Development Institute (MDI) andMr. Batra's Alma matter awarded him the "Most Distinguished Alumni of the DecadeAward".

Mr. Batra also writes an extremely monthly column "Enterprisingly Yours" for theentrepreneurship Magazine DARE.


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Prasanta Misra Advisor, Agriculture & Irrigation

Prasanta is well known for his pioneering contributions in the area of Plasticulture and isbetter known as the father of Plsticulture in india.He is the founder of National Committeeon the Use of Plastics in Agriculture(NCPA) which is now renamed as NCPAH in theMinisrtry of Agriculture,Government of India.He has close to 38 years of close associationwith Indian agriculture and rural engineering.He served as Joint Secretary ,NCPA formore than 25 years-since its inception.His dedication and efforts have resulted in largescale adoption of modern technologies in the agriculture and horticulture sector such as

drip and sprinkler irrigation ,green house and shade nets,lowtunnels,liningapplications,post harvest technologies as well as a range of modern agriculturetechnologies leading to significant water conservation,improvement in quality andquantity of agricultural produce etc.

Earlier he had been working with Maharashtra Agro Industries DevelopmentCorporation,Indian Petrochemicals Corporation and had served as Vice President-allindia plasticulture market development with Reliance Industries Limited

Prasanta is presently working as Chief Consultant to the Government of India in theMinistry of Agriculture.He is also a free lancing consultant to several organisations both inthe private and public domain.His main interest is rural development,rural engineering forimproving farm income,value addition in the agri sector,micro planning for farm sector aswell as information networking using IT technologies for last mile knowledge sharing aswell as end to end planning.

Prasanta is an Engineer from Indian Institute of Technology, Kharagpur(1967-72

batch)followed by Management specialisation from Indian Institute ofManagement,Ahmedabad(1972-73).


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Hemant Batra Advisor, LPO

Hemant K. Batra is an international Strategist Business, FDI, Corporate & Commercial Lawyer, with practice concentratedacross the Globe in general, specifically in India/South-Asia. He is Lead Partner at Kaden Boriss Legal LLP, aCorporate/Commercial law firm. Apart from being in law practice, he is also fond of writing & speaking on current topics ofgeneral importance be it on legal or social or political issues.

He is the elected Secretary General of SAARCLAW (South Asian Association For Regional Co-operation In Law) andenjoys a quasi-diplomatic status. SAARCLAW is an Association of the Legal communities of the SAARC countries namelyBangladesh, Bhutan, India, Maldives, Nepal, Pakistan & Sri Lanka (Japan and China being observer members). He is alsothe Chairperson of the Organizing Council of International Infrastructure & Construction Law Arbitration Moot (IICLAM)founded by National University of Singapore, Singapore International Arbitration Centre and Kaden Boriss. National Law

School of Delhi has also joined IICLAM as one of its partners. He is member of the Advisory Board of Organization forInternational Cooperation (OIC), based in Marlton, New Jersey, USA, which is a citizen based, non-partisan, non-profitorganization dedicated to solving greatest international challenges.

He is the Managing Head-Legal, Kaden Boriss Consulting [affiliate of Kaden Boriss (UK) Ltd.], a legal/knowledge processoutsourcing & legal services Company engaged in undertaking assignments for both Indian and overseas clients seekingto outsource their legal, para-legal documentation & documentation management, regulatory and compliance work. Itshead office is located in the corporate metropolis - Gurgaon being part of the National Capital Region (Delhi). He isDirector-Legal with Kaden Boriss (UK) Ltd. incorporated in the United Kingdom and Kaden Boriss Services Pte Ltd.incorporated in Singapore.

He began his legal career in 1991, when he was admitted to the prestigious New Delhi Bar; and inducted in one of Indiaslargest firms of Solicitors - Shroff & Co. In 1995 he joined Kesar Dass B. & Associates (KDB) as a Partner and rose tobecome Managing Partner of its Corporate Office in 2000. In 2005, he took over as the Director Legal Services of KadenBoriss Consulting Private Limited. In 2006, the Corporate Office of Kesar Dass got renamed as Kden Boriss.

He has written several publications as well as lectured widely. He is a visiting Guest Speaker to various internationaluniversities and institutions. Until 2010, he has spoken as a Speaker at more than 100 international conferences,seminars and workshops on varied topics of commercial importance.

He has travelled extensively around the world including USA, UK, Australia, China, Indonesia, Philippines, Malaysia, HongKong, Singapore, Thailand, Burma, South Asia, UAE, Kuwait, Qatar, Holland, France, Germany, Switzerland, Czech

Republic, Hungary etc.


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Deepankar Sengupta Advisor, Financial Services, ITeS

Deepankar Sengupta is a part of the global leadership team within the FinancialServices Practice at IBM. He brings to bear over 15 years of diverse experiencehaving worked in companies like IBM, Accenture and Citibank. Deepankar'sexperience has a unique blend of global consulting and sales leadership roles withFortune 100 firms, combined with some solid hands on grassroots levelentrepreneural background in the IT enabled services and social enterprise space.

While in India, he was involved with some of the pioneering e-governance andmission mode projects across the country like the Sarva Shiksha Abhiyaan,Panchayati Raj and various state government initiatives in the municipal and citygovernance areas. Deepankar was one of the first entrepreneurs in the country tocreate from scratch a world class IT enabled services company in the healthcaredata processing space.

Deepankar's consulting experience includes leadership roles around developing

and nurturing C-level client relationships, business development, creating fromscratch cross-cultural, multi-country teams and profitable services business unitsacross the Americas, EMEA and Asia Pacific. His domain expertise spans acrossvarious industries like Banking, Financial services, Travel and Transportaion,Chemicals, Petroleum and Natural Resources.

His interests beyond work include Philosophy, Humanism and participating in

community based activities around peace, culture and education. An IIT Delhialumnus, Deepankar currently lives in Singapore with his wife and daughter.


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Sujit Panigrahi Advisor, Technology

Sujit is currently Co-founder and CTO at Convergent Technologies (CT) and Co-founder and COO at SequoiaFitness and Sports Technology [S-FAST].

Sujit takes deep interest in Technology, Design, Sports and Employability.

As the CTO at Convergent Technologies (CT), he and his team enable organizations across the globe identifykey building blocks and to develop optimal solutions with low total cost of ownership. CT has expertise inEnterprise Applications, Content Management, CRM, Line of Business Integration, TV Graphics, Real-timeSports and Parliamentary Election Results Systems amongst other Technology Solutions. In 2005, CT launched"SmoothGreen" - a Content Management System.

As the COO at Sequoia Fitness and Sports Technology Private Limited (S-FAST), Sujit and his team havelaunched LivePLUS, Indias 1st Fitness Assessment, Intervention and Monitoring (AIM), which aims at improvethe Fitness Levels of School Students across the country. LivePLUS aims at making a difference to the FitnessLevels of 34 Crore young children over a period of time.

Prior to this, Sujit was the Head of Technology (Additional Director General - Technology) for CommonwealthGames Delhi 2010. Sujit and his team were responsible for planning, designing, commissioning, operations anddecommissioning of a fully-integrated Multi-sport, Multi-venue Technology Infrastructure in all CompetitionVenues, Training Venues, Games Family Village, International Broadcasting Center (IBC), Main Press Center

(MPC), Technology Operations Center and other Venues to support the conduct of the games and to deliverresults from each of the 23 Venues to the world. His first organisation, AmSoft Systems did the TelevisionGraphics for Barcelona Olympics 1992, in collaboration with PESA Systems, Spain. This system was reused atAtlanta Olympics 1996 and Sydney Olympics 2000. Sujit has worked with ESPN Star Sports, NDTV, DD andZee TV in developing TV Graphics for delivering Television Graphics and Real-time Results Systems andServices for Sports and Parliamentary Elections.

Sujit has done both Master of Engineering (Systems and Information) and Master of Management Studies fromBITS Pilani, India.


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Bharat Joshi Advisor

As Director for Associated Container Terminals Limited and groupcompanies, Bharat is involved in new product development, projects andgrowth & investment strategies. Prior to joining ACTL, Bharat worked withMaersk Logistics during 2001 till 2004 in Mumbai, Nhava Sheva port andin New Delhi. He has trained with Mr. Pradip Shah at IndAsia Fund

Advisors, an investment bank in Bombay and with Konsortuim LogisticBerhad, Malaysia's leading logistics company.

Bharat is a Radio Broadcaster for AIR (All India Radio), and regularlywrites for various print and online publications, including Wall StreetJournal and Containerisation International. Bharat is considered a keythinker on various subjects, and has addressed fora in India, China and

Slovenia. He is on board of the India Supply Chain Council, and has alsobeen acknowledged in UNCTAD's World Investment Report 2006.

Bharat is a graduate in B.Sc. (Hons.) Business and Management Sciencesfrom the University of Bradford, UK. He has completed an advancedcourse in Supply Chain Management from the Institute of Logistics andTransport, UK. The European Logistics Board also accredits him as aEuropean Senior Logistician.


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Dr. Ankush Sabharwal Advisor, Healthcare Finance and Strategy Ankush serves on the board of advisors with an intent to grow the medical

outsourcing business at HarVa. After finishing his degree in medicineAnkush got an opportunity to work on a few merger and JV deals in thehealthcare industry while practicing regular medicine. Ankush from thenbecame involved in the growth of his family business of running and

operating hospitals. Thats what made him shift from medicine to Healthcare strategy. He went

on to pursue an MBA from CASE Western Reserve UNIVERSITY incorporate finance and strategy. He completed a fellowship in HealthcareMarket Development from Cleveland Clinic, one of Americas leadinghealthcare systems.

After coming back to India he was involved in an independent consultancyproject in turn key hospital projects. He now serves on the Board ofJeewan Mala Hospital and routinely is looking after growth and newbusiness opportunities.


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Prof. Suneel Sharma Advisor, Education Professor in the area of IT & Entrepreneurship at GDGWI-Lancaster

University, UK.Dr. Suneel Sharma has obtained Integrated Master'sdegree in Technology from Birla Institute of Technology and Science,Pilani and Ph.D. in the area of Computational Finance. He has alsocompleted Entrepreneurship Educator Course jointly from Indian Institute

of Management Bangalore and Stanford University. He has taught advanced courses in IT & Entrepreneurship. His research

interest includes Financial Methods and Computational Models. Hisintellectual contributions have been published as refereed articles andpapers at national and international journals. He has four edited books tohis credit. He has guided research projects at University of Nottingham,University of Wales, UK. He is Reviewer of many articles for the Journal ofData Mining & Knowledge Discovery, Norwell, USA.

Other than teaching, he is actively involved in doing Social work indeveloping education at rural places of Rajasthan & Haryana. He hasbeen nominated as Resource Person by The Resource Alliance UK.


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Arpita Verma - Advisor Arpita is the Director of the Oscar Group, a leading manufacturer

and marketer, since over two decades, of consumer electronics inIndia. For the last 9 years, Arpita has been involved in the businessdevelopment and launch of a host of new technology products,

under the "Oscar" brand specifically focusing on the rural and semiurban sector, making Oscar a leader in the vale-for-moneysegment.

Before this, Arpita was the Vice President, E-Commerce of a 100%women owned health care start up, based out of Chicago, USA.

She was instrumental in garnering venture funding and forgingstrategic partnerships for the market development for aninnovative, first-of-its-kind, concept in health care kits.

Arpita is an MBA in finance and marketing from University ofChicago, USA and a Graduate in Economics (Hons) from St.Stephens, Delhi University


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Smita Bankoti LPO Advisor Smita is a practising advocate with nine years of work experience having

practised in Supreme Court of India, High Courts-Delhi, Ranchi andBhubhneswar as well as the Trial Courts and varied Tribunals such as:Central Administrative Tribunal, State and National Commission, DebtRecovery Tribunals etc. Smita is an empanelled advocate with Union

Public Service Commission (UPSC), Bharat Sanchar Nigam Ltd. (BSNL)and with Steel Authority of India Ltd. (SAIL).

Smita is a Legal Consultant/Advisor for High Point Rendal (I) Ltd. andAdhunik Group of Companies. Smita was also an Associate Counsel forthe NGO, Common Cause and filed several Public Interest Litigation(PILs), covering a wide array of social issues such as health, safety,medicines etc. and extended legal assistance in preparing the report of thePeoples Commission on Patent Laws for India prepared by NationalWorking Group on Patent Laws and Public Interest Legal Support andResearch Centre (PILSARC). Smita completed Bachelors Degree in Lawfrom the Faculty of Law, University of Delhi and Masters Degree in Lawfrom London School of Economics and Political Science (LSE), UK.


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Sheetal Thakur Community Farming and Eco-Tourism Advisor Sheetal Thakur is Founder and CEO of Freedom2Be, Women on

the move a company that is into corporate leadership outdoortrainings especially for women. Sheetal is a born adventurerendowed with passionate love for nature and the animal world.

Product of Sacred Hearts Dalhosie and Army Public Schools and agraduate in History (Hons) from Indra Prastha College Delhi.

Played for J&K in National Junior Women Cricket, NCC Ccertificate holder with A grade, Best Young Lion for 2 consecutiveyrs, a sharp shooter with 2cm grouping and has done Basic andAdvanced Mountaineering course at NIM Uttarkashi.


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Rural XPOs The Step Ahead-RURAL XPOs (include BPOs, LPOs, KPOs and MPOs)

Currently, XPO industry is facing challenges in combating key variable like costs,attrition and new destinations like Philippines, China. The advantage that helpedIndia corner a lion share of the outsourcing market is shrinking rapidly. The first stepto keep the edge is to start migration of their operation to lower cost destinationsand tap the vast pool of cheap rural workforce. It will not only address the issue ofdiminishing cost arbitrage, higher attrition but also of lost business opportunities due

to paucity of qualified people. HarVa Rural XPO Services

HarVa XPO is a profit making social enterprise in rural areas which caters to urbandemand for select services. We have adapted the best practices of Urban XPOs tosuit the cultural, social and political environment of villages. We have also partneredwith big IT companies to assist us in efficient and cost effective technological

solutions. With our competence and world class management team, clients can lookforward to venturing into all Rural outsourcing activities.

HarVa XPO Services blends technology and committed professionals into anorganization that supports all back and front office outsourcing jobs. We provide ourcustomers with high quality outsourcing solutions at competitive pricing. Our in-house research and experience assists our clients in meeting their important

business goals. Their requirements are interpreted in the context of budget, targetand efficiency and translated to the perfect outsourcing strategy.


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Our outsourcing product gives a twin benefit to theclients in they get to increase profitability whilecontributing to a social cause. We offer completeservices to enterprises across a wide range of platformsand technologies. HarVa excels at providing solutionsfor business support functions like data processing,software testing, and call center support. In addition tothe BPO services listed, we also work closely with ourclients to identify their most pressing challenges and

devise custom outsourcing solutions to address them.We pride ourselves with the speed with which werespond to our client's needs.


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Rural BPO HarVa Your ideal Outsourcing partner Choose HarVa for your outsourcing services and get access to the

following benefits:

Upto 40% operational cost savings

Quick turnaround of projects

Expert services of HarVas data processing professionals

Risk free outsourcing experience


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1. Data Entry

Does your company spend a large amount of time, effort and money in conducting data entry activities in-house,wasting time that could be spent on anything from lead management to team-building exercises?

What if you could find a partner who could take up your data entry work, saving you the time and money thatyou can invest in growing your business? Outsourcing data entry services to a company in Rural India might justbe the option you are looking for.

HarVa Advantage

We have a qualified and focused teams for each of our service areas and this helps us understand and convertthat into quality and time-focused output

Can handle small amounts of data entry as well as large scale data entry, conversion and processing

Our operational teams work with double monitors ensuring less errors and lesser time to do the job

Stringent quality control measures in place to double check for quality and errors

Services:

Take your pick from the wide range of data entry services that HarVa offers.

Data Entry Services

Online Data Entry Services

Offline Data Entry Services Image Data Entry Services

Book Data Entry Services

Data Capture Services

Data Extraction Services

Document Management Systems

Copy Paste Services
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2. Data Processing Automatic data processing and information processing are elements which

can help you keep pace with the challenges of your business. If yourorganization is looking for accurate, efficient and fast data processingservices, then you have come to the right place.

HarVa Advantage:

Get rid of unwanted data and get easy access to relevant data

Benefit from accurate data and information

Get large volumes of data processed and organized

Automate and computerize all your data that is stored on paperdocuments

Benefit from accurate data and information

Services

Take your pick from our data processing services

Data processing services

Forms processing services

Survey processing services


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3. Data Conversion

At HarVa, we provide quality data conversion services designed to meet the individual needs of all ourclients by identifying your needs and creating services that meet those needs.We can convert youperiodicals, reports, journals, catalogs, and financial statements into a richly cohesive set of anyspecified format. In short, we can help you to store, search and retrieve digital versions of anydocument anytime, anywhere

HarVa Advantage:

Our team can handle a thousand pages, a million pages, or more with each document, each word

converted consistently, reliably, and within specified timelines We can provide you with a well-honed document conversion process with guaranteed and fully tailored

results

HarVas data conversion processes are scalable to any production level

Services

Take your pick from our data conversion services

File conversion services

Document conversion services Document digitizing services

Data conversion services

Electronic data conversion services

PDF conversion services

XML conversion services

Book conversion services

Word formatting services HTML conversion services


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4. Document Scanning

Document scanning is a process of scanning the paper documents and convertingthem into image formats. These images can then be stored whilst the bulky paper-work can be purged to save a lot of space. Maintenance and retrieval of this softcopy image format becomes much easier than the conventional paper documents.At HarVa we have technology with the latest scanners and a highly trainedworkforce. Our document scanning approach is well equipped for both manual dataentry as well as high speed OCR/ICR mode of scanning.

HarVa Advantage:

Highly cost effective pricing packages

Output images in various image formats as well as the image only PDF format

Extreme confidentiality and privacy of your sensitive data

Highly customized pricing packages as per your scanning requirements

Customer service which provides assistance round the clock Services

Take your pick from our document scanning services

Technical Instruction manuals

Legal case files

Graphic images

Handwritten notes


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5. Web Research We provide research support for the following areas keeping in mind yourspecifications and requirements.

Web Research

Data Mining

Internet Search, Product Research, Market Research, Survey, Analysis

Web search and online Form Entry and web-to-web entry

Online research and create a Database into Microsoft Office

6. Call Center

High Quality

Cost Effective Vernacular Services

HarVa provides a range of outsourced telephone services at affordablepricing for even the smallest business.


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Reduce CapEx

Reduction in usual outlay costs such as purchasing telephone equipment; ordering additional phoneslines; finding additional office space and taking on new staff.

Scalability

Our rural model gives us advantage to tap the vast pool of talent and reduce the attrition to bareminimum.

Inbound Call Center Service

Outsource your call handling to HarVa and dramatically reduce staffing costs without missing

opportunities Answering service is always helpful to increase your business and to advertise your products or

services in the market. The well qualified team of professionals takes the messages and provides theinformation quickly.

Customer Care service can assist you in optimizing every customer interaction, from revenuegeneration through reduced cost-per-contact while maintaining or exceeding current quality levels

Order taking service help companies to sell their products or services and attend to calls so that

companies dont loose any of the sales or inbound calls. Outbound Call Center Service

Telemarketing: Boost sales, find prospects, renew or upgrade accounts, generate leads andappointments or promote your products to existing or new clients.

Telecollection: Optimize liquidation of portfolio. Our efficient agents can collect and provide informationrelevant to a line of work, which is not only cost-effective but also saves a great deal of time.

Surveys/Lead Generation: Cost effective solution to generate sales leads and handle surveys and helpthe companies to grow top line and take key business decisions.


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Rural LPO If your law firm or in-house legal department is looking for litigation support

services, then we are the service provider that you may look for. Whether yourequire research services within a few days, assistance with paralegal projects, helpwith your routine litigation activities or any other type of litigation support, ourexperienced team of lawyers can provide you with the help that you require. Ourlawyers can also help you with your legal presentations.

HarVa Advantage

Reduce your operating costs by 50% Save on time, resources and energy Security measures following international standards to ensure data privacy Cost-effective litigation support services with no compromise on quality Experienced lawyers with the highest degrees in law and with a thorough

knowledge of the legal system in US, UK and other European countries

Services Offered: Take your pick from our document scanning services

Objective and subjective coding Preparing PowerPoint presentations on legal issues Document scanning and processing Indexing and organizing services.

R l IT O t i


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Rural IT Outsourcing

Software Testing Not all organizations have the expertise or resources to carry out thesoftware testing process. Software testing is essential, but it is definitelynot the core activity of most organizations that require it. Outsourcing willenable you to concentrate on your core activities while our software testingexperts can handle the work efficiently, ensuring quality results. You will

save time and money on a process that would otherwise be too tediousand exhausting if performed in house.

We possess the skills and expertise that are among the finest in thebusiness.

These are some of the advantages that we have:

Availability of testers and their use of automated tools Domain knowledge

Quality work

Delivery time

We can offer testing services at a fraction of the cost it is in most other

parts of the world


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Software Testing Services:

FUNCTIONAL TESTING: Validating an application or Web site. Conforms to its specifications and correctly

performs all its required functions. This entails a series of tests, which perform afeature-by-feature validation of behavior, using a wide range of normal anderroneous input data. This can involve testing of the product's user interface, APIs,database management, security, installation, networking, etc. Application test canperform functional testing on an automated or manual basis using black box or

white box methodologies.

PERFORMANCE TESTING:

Performance testing can be applied to understand your application or web site'sscalability, or to benchmark the performance in your environment of third partyproducts such as servers and middleware for potential purchase. This sort of testingis particularly useful to identify performance bottlenecks in high hit-rate Web sites.

Performance testing generally involves an automated test suite as this allows easysimulation of a variety of normal, peak, and exceptional load conditions.

Assured QualityOutsource your software quality assurance testing work to us. We can cater to yoursoftware testing needs with quality work at reasonable rates.

Scalability

Our rural model gives us an advantage to tap the vast talent pool at negligiblequality attrition.

Cons ltancy


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Consultancy

Dynamics of Rural Market

There are nearly 42,000 rural haat (Super Markets) in India. Of the 20 million who have signed up for Rediffmail, 60% are from

small towns. 30 million Kisan Credit Cards (KCC) issued so far. Electricity consumption increased from 17.6 % in 198081 to 20.2% in

199900. In the proposed agricultural reforms in the tenth plan, government

introduced agriculture credit of INR 60000Cr Village towards road programme to connect 1,90,000 villages.

Rural India with its traditional perceptions has grown over the years, notonly in terms of income, but in terms of thinking. The rural markets are

growing about 2 times faster pace than the urban markets, not surprisinglyrural India accounts for 60% of the total National demand. With Indiaentering globalizing mode and the rural revolution is being governed byrising purchasing power, increased saving and changing consumerbehavior.


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Rural India-SWOTAnalysis


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HarVa Consultancy:

We have expertise in understanding the dynamics of rural developmentand industrialization. With our understanding of the rural economy, we canbring an objective overview to your plans of going Rural be it for yourcustomers or setting up servicing centers or Rural BPOs. Our awarenessof the problems has been sharpened through extensive work done on

several rural projects. We offer a comprehensive range of consultancyservices to both private and public sector clients, ranging from agriculturalbusinesses, SMEs to regional and national agencies.

Our Philosophy:

Our model has been tailored to suit individual cases every client isunique, every property is unique. We work extensively with clients to make effective and efficient

management structures. Each management model is customized to the individual situation. We ensure cost efficiency and quality standards of performance.


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Product and Services:

a) Rural Product Research and Development: Rural products have tobe specifically developed to meet the needs of rural markets. We can helpyou develop rural products through a great deal of research like feasibilitystudies, rural aspiration, profiling, etc.

b) Rural Branding and Marketing: Rural branding and marketing

channels are very different from urban style. Our research and in depthinsight into the working of rural markets helps us to brand and managecommunication campaigns with a lot of rural sensitivity.

c) Rural Start-ups: We help our clients to explore various options forstarting profitable business ventures. We also provide managementservices to various rural companies.

d) Rural Market Research: Rural markets behave most differently fromurban markets. Our strong insight into rural consumer behavior andsensitivity to their values and beliefs and our effective rural marketresearch by gathering data and analyzing, help our clients make betterinformed business decisions.


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Community Based Farming

Challenges faced by the Agriculture Industry

About 60% of rural population resides in rural areas but agricultureconstitutes only 17.8% of Indias GDP.

The farming practices are too haphazard and non-scientific and henceneed some forethought before implementing new technology.

Increase in trade deficit due to lower productivity and consequent import offood commodities.

Lack of framers inclination to take risk.

Financial institutions inability to provide hassle free and timely delivery ofcredit to farmers.

50% of the farming community avail credit facilities from private moneylenders on high interest rate which result into rural indebtedness.

Fragmented land holding in India makes it difficult for farmers to makeheavy investment on machinery, labor and fertilizers.

Dependence on monsoon for water.


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HarVa Solution: Farm ToFirm (F & F Model)

Waste Management


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Waste Management

Some interesting facts

India is short by 10 million tonnes of cold storage capacity due towhich over 30 percent of agricultural produce goes waste every year,according to an industry report.

More than 30% of produce from fields is lost to poor post-harvestingfacilities and lack of cold chain infrastructure.

Also 20% of food grain that India produces annually is eaten by rodents.

Only 7% of food in India is processed. The United Kingdom process+65% of its food. Even a developing country like the Philippines processesas much as 45% of its food.

India, the worlds second largest fruit and vegetable producer

encounters a waste of close to 50% worth of produce. India has the honour of being the largest producer of milk in the world.

However, the amount of Milk that it wastes or looses each year is said tobe equal to the total Milk produced in the European Union.

With such a monumental wastage in Indian agricultural sector; it would beadvisable to rethink seriously into the golden opportunities which this

wastage has in store for investors in agro business in India.


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Some keys to the riddle of wastage are:

Transfer of Technology- technical & managerial:Select technologies that will augment the produce & avoid wastage.Current practice is a complete mis-match of priorities & technologies.

Creation of adequate agri-infrastructure will raise productivity, reducetransportation costs, and increase farmers access to markets and lower

production costs. Sharing experiences at State levels will be more in theright direction. Such as; Transportation & collection. Distribution &Warehousing- Silos, grains, use French know how & experience onstorage in silos which avoids loss.

Eggs- Further processing is required as India is one of the largestproducers but does not exploit the advantage.

Fish & Aquaculture: First R&D Aquaculture French project is stillfunctioning in Chennai region after more than 25 years-whereas othersfailed & were prone to diseases leading to closures.

Meat & chicken production & processing has improved but has beentailored to Export obligations only & have ignored the domestic demands &

needs due to poor infrastructure.


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To quote a few attractive factors in Indias favour- The biggestfactor in Indias favour in the world food market is that of alow-costadvantage.

Indian Government is committed to the target of doubling itsprocessed food productionby 2015.

There is a shift from conventional farming to commercialfarming.

India is a vast source of raw material.

The present market is in the form of large urban middle class.

Micro Finance - HELP


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Micro Finance - HELP

HarVa Employee Loan Program (HELP)

We have a unique employee loan program to help our employees meettheir short term loan needs. This program is intended to provide loanassistance to employees who have an immediate need for funds as aresult of an emergency or inability to obtain a loan from other sources.

Microfinance - Taking money to the underserved poor

350 million Below Poverty Line

95 % have no access to microfinance 36 % people still borrow money from informal sources 70 % don't have any deposit accounts 95 % of the households are without any kind of insurance

Challenges:

A spectrum of micro-lending firms have mushroomed over the past fewyears but scaling up of these projects and bringing millions of peoplewithin the fold of microfinance is no mean task. Some of the keychallenges are that the operating costs of providing microcredit are veryhigh because of the small size of loans, the location of clients, and thehigh level of interaction clients have with MFI staff. Efficiency is a key

concern because MFIs require much more staff and administrative effortser ru ee lent than mainstream banks.


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HELP to Micro Finance Institutions: Value-added Conduit / PartnershipModel


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HarVa Advantage to MFIs Zero cost of acquisition of new customers. Adopt and implement appropriate regulatory

framework for prudential supervision Actively promote the creation of best practices for

MFIs Risk control capability in managing the end-

customers

Documents

Harva Project (1)