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Risk Consulting & Advisory Services
Insurance Sector
RiskPro India New Delhi, Mumbai, Bangalore
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Riskpro’s Network Presence
New Delhi
Mumbai
Bangalore
Ahmedabad
Pune
Agra
Salem
Kolkata
Hyderabad
Chennai
Jaipur
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Who is Riskpro… Why us?
ABOUT US
Riskpro is an organisation of member firms around India devoted to client service excellence. Member firms offer wide range of services in the field of risk management.
Currently it has offices in three major cities Mumbai, Delhi and Bangalore and alliances in other cities.
Managed by experienced professionals with experiences spanning various industries.
MISSION
Provide integrated risk management
consulting services to mid-large sized corporate /financial institutions in India
Be the preferred service provider for complete Governance, Risk and Compliance (GRC) solutions.
VALUE PROPOSITION
You get quality advisory, normally delivered by large consulting firms, at fee levels charged by independent & small firms
High quality deliverables
Multi-skilled & multi-disciplined organisation.
Timely completion of any task
Affordable alternative to large firms
DIFFERENTIATORS
Risk Management is our main focus
Over 200 years of cumulative experience
Hybrid Delivery model
Ability to take on large and complex projects due to delivery capabilities
We Hold hands, not shake hands.
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Risk Management Advisory Services
Training Recruitment
Basel II/III Advisory Market Risk
Credit Risk
Operational Risk
ICAAP
Corporate Risks Enterprise Risk Assessment
Fraud Risk
Risk based Internal Audit
Operations Risk
Forensic services
Information Security IS Audit
Information Security
IT Assurance
IT Governance
Operational Risk Process reviews
Policy/ Process Review
Process Improvement
Compliance Risk
Insurance Risk
Governance Corporate Governance
Business Strategic risk
Fraud Risk
Forensic Accounting
Other Risks Business/Strategic Risk
Reputation Risk
Outsourcing Risk
Contractual Risk
Banking – E Learning
Corporate Training
Regular Risk Management Training
Online Training material
Workshops / Events
Virtual Risk Managers
Full Time Risk Professionals
Part time Risk Professionals
Risk Managers on call – free
S E
R V
I C
E S
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Insurance Industry Prologue…
Insurance industry has seen numerous changes in recent past with increased
players, products mode of distribution, regulatory changes, technological
improvements with a moderate healthy growth.
Key stakeholders in insurance industry include- insurers, corporates, brokers,
TPA’s and surveyor’s who run the entire cycle of acquisition to settlement
process of clients.
Key risks arising in today's fast-paced, ever-evolving world will have to be
managed through effective risk management in insurance solutions to clients.
Emerging challenges continue to impact insurance industry in form of De-
regulation, Global markets impact, Self insurance need & Market driven
pricing.
How we Do
7 *This presentation and its contents in part or whole should not be copied or distributed to anyone.
Insurance Risk Advisory Services
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Focus areas for Insurance Risk advisory services
Identification of Internal & External Pure Risks
Existing Risk Control Measures Review
Risk inspection
Risk Audit
Scrutiny of Existing Insurance Covers
Coverage
Rates & Deductibles
(Compulsory self insurance)
Defining Standard SOP for Claims Control
Guidelines on documentation
How we Do
Traditional
Risk
Management
ALM
Cash flow
testing
Dynamic
Financial
Analysis
Traditional
Risk
Management
ALM
Cash flow
testing
ERM &
Economic
Capital
Insurance Industry Continues to Respond to Risk Dynamics
Ris
k
Time
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Key Industry Risks Focus Areas…
How we Do
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Insurance Risk Management Services – Generic Offerings
Value Proposition
•Risk
Inspection
•Risk Reporting •Industry
Benchmarking
•Insurance
Manuals
•Training services-
Processes/ Claims
handling
•Due Diligence –
Current
Insurances
•Risk
Evaluation
•Risk Audits-
Coverage/Exclusions/
covenants
•Indemnity
Advisory and
Renewals
•Valuation of
Capital
Assets for
loss coverage
•Claims Management as
per T&C valuation/ liaison
with surveyors for quicker
disbursement
•Insurance
Market trends/
Regulatory
compliances-
IRDA, ICDR,
SEBI.
‘We at Riskpro help cover
entire spectrum of
insurance risk management
solutions for your
organization’ !
Riskpro
Service Offerings
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Key Risks Services Overview
Damage to Physical Assets
Value Proposition
•Accidental damage
evaluation
•Insured perils
inclusion
•Policy coverage
advisory for
premises / F&F
•Sum insured
calculation
•Claims processing
and FSR
How we Do
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Key Risks Services Overview
Monetary Loss
Value Proposition
•Regulatory changes
& Impact
•Investing in Risk
management
•Loss control for
Credit Risk
• Actuarial Risk •Systematic Risk of
Liabilities
•ALM- Liquidity Risk
How we Do
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Key Risks Services Overview
Operational Loss
Value Proposition
•Risk Survey &
Analysis through
documentary review
•Operations Risk
management-
Employees/Contractual
parties/Third parties
•Product launch
risks analysis
•Non fulfillment of
contractual
obligations &
recourse
How we Do
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Key Risks Services Overview
Employees Loss
Value Proposition
•Employee Benefit
Risk impact
•Workplace risk
analysis
•Expatriate risk
•Personal accident
coverage
How we Do
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Risk Category Solutions…1/4
Employee Benefits Insurance
Group Health Benefits
Group Accidental Benefits
Life Insurance Benefits
Retirement Benefits
Value Proposition
Portfolio Analysis Program Analysis Plan implementation
•Evaluation and
assessment of cover
over premium spends
•Optimize the benefits
program with
established
benchmarks
•Endorsement
tracking & Monthly
Data Reconciliation
•Comprehensive
analysis for
competitiveness and
cost-benefit
•Cost optimization
through vendor
relationship and
volumes handled
•Claims Advisory,
Control and
Management
•Review of prior claim
and losses to identify
trends & issues
•Optimizing
administrative time
and workload
•Monthly report card
benchmarking
performance against
SLA
•Funding Alternatives
Analysis
•Optimizing
communication
How we Do
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Liability Insurance
Commercial General liability
Product liability
Public liability
Retirement Benefits
Value Proposition
Risk Assessment
& Claims
Risk Presentation &
Administration
Plan Design
•Exposure
identification
•Information gathering
for underwriter’s
•Coverage
Design
•Risk retention
advisory
•Presentation of risk
to market
•Peer
benchmarking
• Claims
management
•Negotiating with
insurer’s for optimum
coverage/ price
•Monthly report
card
benchmarking
performance
against SLA
• Assistance in
claims
documentation
•Policy structuring for
right pricing
Employment practices liability
Public offerings of securities
How we Do Risk Category Solutions…2/4
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Project Insurance
Contract Risk Management
Peer Benchmarking
Underwriting to reinsurers
Strategic Claims
Value Proposition
•Contractual
Obligations
•Contractual risk
flows
•Competitive
stress
•Technological
Development
•Regulatory
requirements
•Risk presentation
to credit analysts
•Insurer /
Reinsurer carrier
selection
•Insurance
advisory
•Claims Advisory,
Control and
Management
How we Do Risk Category Solutions…3/4
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Claims Handling Services Value Proposition
•Claims resolution •Loss assessment •Documentation and support for right
compensation
•Compelling presentation of client’s
claims
•Client on-site support as solution
provider
• Best overall value for quick and
capable claims cycle management
• Understanding existing processes,
philosophies, service needs and
challenges in Claims handling
• Notification of all Claims and Claim
circumstances to the appropriate
insurers
•Coordination and guidance in
submission of all Claims related
documents
•Management of complex claims •Consultation and advice on coverage
questions prior to Claim notification and
issues likely to arise post Claim
notification
•Assistance in Claim settlement
negotiation
• Maintaining Claim records • Producing Claim reports and analysis
as required
• Providing Claims review meetings on
regular basis
• Creating efficient, effective, and pro-
active strategies to reduce Claim costs
and mitigate exposures
How we Do Risk Category Solutions…4/4
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How we Do Insurance Claims Management Process
Follow up with Insurance
firm for claim settlement
Insurance Firm
Surveyor Client Riskpro
- Interaction with surveyor for
a) Survey of Loss
b) Assessment of loss
c) Finalization of report
d) Early issuance of report to
Insurance Company
-Assisting client in registering
claim with Insurance Company
- Collection of loss details to
organize insurance Survey
- Preparation of claim papers once
survey is over
20 *This presentation and its contents in part or whole should not be copied or distributed to anyone.
Insurance Broking Services
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How we Do
Saving’s Plan Term Insurance Plan Mortgage redemption
Plan
Hire Purchase Risk cover
Plan
Keyman Insurance cover
to HNI’s
Supplementary Executive
Retirement Plan
Rider & Claim Settlement
Advisory
Group term insurance for
employees
Group Gratuity Schemes
/Deposit linked Plans
Group superannuation
Benefits
Composite Insurance Broking Services- Individuals & Corporates
Functional Definition : An insurance broker ( or agent) sells, solicits or negotiates insurance
for its clients with a compensation percentage. Riskpro offers a wide spectrum of broking
services covering your enterprise needs with optimal risk solutions & advisory.
22 *This presentation and its contents in part or whole should not be copied or distributed to anyone.
Insurance Training Services
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Risk Management Trainings Delivery Model
1. Corporate/ Institutional Trainings- Onsite
RiskPro has strengths in providing resources for Institutional and Corporate Training.
All our Trainers and Faculty are industry professionals who have deep knowledge of Insurance Risk
Management.
Suitable for companies with specific needs – Senior management /Business & Functional Heads.
2. Classroom Trainings - Onsite
Customized /Audience relevance capability
Middle Management/Frontline staff
3. Online Web platform trainings
Low cost training at regular, fixed dates.
Specific for a corporates/SIG’s or combined with generic trainings with multiple participants
Multi city delivery access capability
4. Webinars- “GTM” by Citrix Online
Conducted live by industry experts on topics of interest /industry and relevance.
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Insurance Risk
Training
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How we Do Insurance Risk Training – We Address your FAQ’s
• What is Insurance product and what is suitable for me.
• What extent of insurance cover I should take depending on
potential loss event and risk exposure.
• How to negotiate Insurance claim for total Loss claim.
• Scrutiny of major insurance policies for applicable premium,
any relevant discounts, warranties, clauses and conditions.
• Guidelines advisory for fixing sum insured.
• Evaluation of business interruption exposure due to known
risks.
• Guidelines for documentation fulfillment , procedures for
claims under policies.
• What are different payment options for my insurance policy.
• Life insurance regulations for NRI’s.
• Policy servicing- Nomination procedure
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How we Do Insurance Training Areas & Services
Introduction/Concepts Reinsurance & Various
Risks Management training
Underwriting business
workflows
Types of Insurance Plans for
customer segments
Regulatory Framework
and Compliances Policy servicing
Claims management Insurance portfolio
management services
Risk Management &
Monitoring
Designing Business
strategic insurance
programs
Riskpro offers unparallel array of insurance training services by our industry experts
team with decades of experience combined with deep insight of insurance business
model and needs of staff training as per changing market, regulatory, customer life-
cycle aspects.
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Training Delivery Methodology
Need Analysis - Program Coverage
• Discussion with Company’s Training Dept to define training scope and objectives
• Development of relevant content considering industry best practices
• Incorporation of practical examples from client operations
Design and development
• Coordination with your company to segment audience based on similar background and job responsibilities Development of training material relevant to your employees
• Development of hand – outs and materials, case studies relevant for engagement of audience
Implementation and Delivery of Training
• Coordination relating to faculty travel.
• Delivery of training by highly qualified faculty.
• Follow through on remaining open questions.
Evaluation
• Feedback and assessment with respect to meeting training objectives
• Periodic Assessment of use test of knowledge in day to day engagements
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Training Focus Areas…
Skills Base
Showcase
Training
To provide a base for deploying industry wise skills, knowledge assets, and best
practices to proposals and client engagements.
To provide a showcase for thought leadership and capabilities as your preferred
Training partner.
To support client engagements with knowledge skills required for relevant resources
covering business overview, Developing functional expertise in area of operation.
Quality Training
Delivery
Knowledge
Repository
Thought
leadership
Client Value
Creation
RiskPro Training
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Riskpro Clients Our Clients
*Any trademarks or logos used throughout this presentation are the property of their respective owners
Banking/
Insurance
Corporate
MNC
Banking
Intl
Consulting
IT / Others
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Team Experiences Our Experiences
*Any trademarks or logos used throughout this presentation are the property of
their respective owners
Our team members have worked at world class Companies
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Team Experiences - Insurance Sector Our Experiences
*Any trademarks or logos used throughout this presentation are the property of
their respective owners
Our team members have worked at world class Companies
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RESUMES – Our Team
Co-Founder - Riskpro
CA, CPA, MBA-Finance (USA), FRM (GARP)
Over 10 years international experience – 6 years in Bahrain and 4 years USA
15 years exp in risk management consulting and internal audits, Specialization in Operational Risk, Basel II, Sox and Control design
Worked for Ernst & Young (Bahrain), Arab Investment Company (Bahrain), Navigant Consulting(USA), Kotak Mahindra Bank (India) and Credit Suisse(India)
Sox Compliance project for Fannie Mae, USA ( $900+ Billion Mortgage Company)
Manoj Jain
Co- Founder - Riskpro
CA (India), MBA (Netherlands), CIA (USA)
Over 15 years of extensive internal and external audit experience in India and abroad.
Worked with KPMG United Arab Emirates, PKF South Africa, Ernst and Young Kuwait, Deloitte Netherlands and KPMG India.
Worked with clients in a wide variety of industries and countries including trading, retail and consumer goods, NGO, manufacturing and banking and finance. Major clients include banks, investment companies, manufacturing organizations, aviation etc.
Rahul B
han
Credentials
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RESUMES - Our team
Co-Founder - Riskpro
PGD (Electrical & Electronics & Computer Programming)
30 years of experience in Information & Communications Technology (ICT) Solutions for Retail, Garments, Manufacturing, Services Industries.
Has created Companies, Divisions, Products, Brands, Teams & Markets.
Consulting in Business, Technology, Marketing & Sales & Strategic Planning.
Advisory, Training, Workshops & Implementation in Systems Thinking, Systems Modeling & Balanced Scorecard
Worked with TIFR, Mahindra, Ambience, Communico-Graphique & Ionidea Inc, USA,
Casper
Abra
ham
Credentials
Vice President – Risk Management
MBA, PDFM, NSE-NCFM, PMP, CSSGB,Trained ISO 9001:2000 I.A,GARP-FBR, ITIL
Professional with 17 years of rich experience into diverse Consumer finance/ Lending operations ,Risk Management,BPMS, Consumer Banking, NBFC, Management Consulting & Housing finance in BFSI industry having successfully led key business strategic engagements across multi-product environment in APAC, Australia and US regions.
Worked with GE, ABN AMRO Bank, Citigroup, Accenture, Deutsche Postbank
Highly skilled and expert Trainer in Risk areas across Fraud, Credit, Operational, Corporate Risk management, GRC.
Specializes in Fraud Control, Compliance QA ,ERM and Regulatory governance.
Hem
ant S
eig
ell
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RESUMES - Our team
Head - Insurance Risk Advisory services
B.sc, Associate of Indian Institute of Insurance
Licensed Category A Insurance surveyor
26 years of experience in Insurance advisory services, Loss adjusting for large corporates,Claims management.
Has assessed more than 4500 high value insurance claims across various industry sectors.
Risk management inspection
Valuations of fixed assets for insurance purpose.
R. G
upta
Credentials
Head - Human Capital Management
Chartered Accountant, Lead Assessor ISO 9000, Six Sigma Trained, Trained on Situational
Leadership, Trained on interviewing skills and Whole Message Model.
Over two decades of international, multi-cultural experience in finance and human resources viz. internal audit, accounting operations, accounting process review & re-designing, risk management, business solutioning, six sigma projects, talent acquisition, talent retention, organization design/redesigning, compensation and appraisal processing, employee and customer satisfaction surveys, knowledge management and finance services.
Worked with Citicorp/MGF, India Glycol, Delphi, American Express India, American Express USA, Fidelity International and Macquarie Global Finance Services India.
Nile
sh B
hatia
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Our team
Co-founder- Riskpro
B.Com, FCA
Senior Partner with 48 year old Delhi based Chartered Accountant firm, Mehrotra and Mehrotra
Over 19 years of experience in the field of Audit, Taxation, Company law matters.
Major clients served are NTPC, BHEL, Bank of India, PNB, Airport Authority of India etc.
Raje
sh J
hala
ni
Credentials
Specialist Risk Consultant – ERP & IT Compliance
SAP Certified, MBA (Finance), SAP Security trained (from SAP India), SAP GRC Access Controls trained (from SAP India)
Over 7 years of experience working in the area of ERP/IT Risk advisory, primarily focusing on SAP, for ‘Fortune 500’ clients in around 8 countries including US, UK, UAE, Hong Kong, etc
Specializes in SAP Risk & Controls Advisory, SAP Business Process Controls Audit, SAP Security & Segregation of Duties Control Audit, ERP Trainings,
Strong Industry experiences ranging from Beverages, Insurance, Energy, FMCG, Pharmaceutical, Retail, Telecommunication to IT Services
Worked for risk advisory teams of reputed organizations like Ernst & Young, EXL Services
Goura
v L
adha
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RESUMES - Our team Credentials
Vice President & Head – IT Risk Advisory
Over 14+ Years of Experience in Information Security and Risk Management & CISM certified
Headed the Global Information Security team of Daimler (Mercedes-Benz) Worldwide at Bangalore for 9 years, previously worked at organization like Wipro, Bangalore Labs
Multi-sector experience including Banking, Insurance, Finance, Energy, Manufacturing, Retail, Hi-Tech & Telecom, and Automobile
Well known Ethical hacker: Was featured in BusinessWorld Magazine in an article about leading ethical hackers in India and published several articles in Print and Online Media
Rich experience in Information Security Audits across Corporations, 3rd Party Suppliers, Joint Ventures across several countries in the world including US, UK, China, Germany
Aashis
h S
hrivasta
v
Ravik
iran B
handari
Vice President – Legal Risk Advisory
B.B.A. LL.B. (Hons.)
About half a decade experience in legal services to client’s with respect to Contract and Commercial Laws, Joint Ventures, Inbound & Outbound Investments, Private Equity Investment Transactions, Real Estate & Infrastructure, Energy and General Corporate.
Have advised various social enterprises and start ups in setting up business in India.
Worked for the leading law firms of India such as FoxMandal Little.
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RESUMES - Our team Credentials P
hanin
dra
Pra
kash
Vice President – Riskpro India
FCA [India], ACMA [India], CFE [USA], CertIFRS [UK]
Over 16 years of extensive consulting experience which includes financial & systems audit, process transformation, implementation of internal controls, SOX compliance, fraud audits & due diligence, US-India taxation
Engaged in consulting roles as trusted advisor to finance, internal audit and information technology executives of multiple Fortune 1000 companies with project sites in US, Canada, Europe & Asia
Worked with E&Y and Deloitte Consulting in USA
Some of the major clients served internationally are GE Capital, UBS, McKesson, Eaton, Imation, Albertsons,
EVP and Head – Telecom Risk Advisory
M.Tech, IIT Kharagpur, India; IES; Doctoral study, research and teaching in Linkoping University/Sweden; Lead Auditor (BVQI).
Over 30 years on International experience in networks and mobile Handsets from top global companies /institutes like ISRO, Ericsson, Nokia, Nokia Siemens Networks and based mostly in its head quarter locations in India, EU, USA.
Expertise: Setting up capability, behaviour, culture in turning Risk, Quality, Innovation for competitive advantage, customer delight and sustainability; key skill sets are Engagement, Handholding, Coaching, Mentoring and lot of best practices, benchmarking/standards like CMMI, TL9000, Six Sigma, ISO, SAS 70 etc.
Asok S
it
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RESUMES - Our team Credentials S
iddhart
ha G
hosh
Executive Vice President – Riskpro India
CPA (USA), ACA, ACS, Grad CWA (India), MBA (USA), Associate ICPAS (Singapore)
Over 25 years of extensive audit and industry experience which includes 19 years with Rolls-Royce India Pvt Ltd at New Delhi and its associate and parent companies of Rolls-Royce in UK, USA and Singapore in all aspects of Finance, Taxation, Audit, Banking, Legal, Company Secretarial, Statutory compliances and due diligence, Internal Control, ESOP, Budgets, Cashflows, Forecasts, MIS Reporting, HR, Expatriate & Office Administration, Payroll, IT, Retirement Funds Administration, Shared Services, Project Accounts, etc.
Worked with Price Waterhouse Coopers for 4 years with reputed MNCs, banks, Indian corporate houses
Worked with McNally Bharat Engineering Company Ltd for 4 years
Priti T
aw
ari
Vice President – Riskpro India
B. Com, ACA, Dip. IFRS
Over 6 years of extensive audit and industry experience in all aspects of Finance, Taxation, Audit, Legal, Company Secretarial, Statutory compliances and due diligence, Internal Control, Budgets, Cash flows, Forecasts, MIS Reporting, HR, Expatriate & Office Administration, Payroll, IT, Project Accounts, etc.
Worked with Price Waterhouse Coopers for 3 years in audit & assurance for reputed MNCs, Indian corporate houses.
Engage in own practice since 2010 specialize in outsourcing of finance department in mid size MNCs and consultation in Indirect Taxes and Management Reporting
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RESUMES - Our team Credentials M
anoj K
um
ar
Senior Vice President CAIIB 20 Years of hard core banking experience in India’s most reputed banks across wide functional areas. Worked with Central Bank of India, ICICI Bank, HDFC Bank, and Axis Bank as Asst Vice President, Cluster Head, and Branch Head. Areas of expertise are Financial Risk Management, NPA-Credit-Debt Management, Asset Reconstruction, Project Finance, and others. Accomplished several achievements in the functional areas of banking.
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Specialist Risk Consultant – Business Continuity
Founder and 15-year Chairman of Survive, the first international user group for Business Continuity professionals
Founding director and first Fellow of the Business Continuity Institute
Over 25 years international consulting expertise in Risk, Crisis, Emergency, Incident, and Business Continuity and ICT Disaster Recovery Management
Multi-sector experience including Banking, Insurance, Finance, Oil, Gas, Energy, Manufacturing, Retail, Hi-Tech & Telecom
Western Press Award for services to business, 1994; BCI/CIR nomination for lifetime achievement in BC, 1999, London; inducted into BC Hall of Fame by CPM magazine, 2004, Washington DC.
An
dre
w H
iles
RESUMES - PARTNERSHIPS
Specialist Risk Consultant – Enterprise Risk Management
Highly skilled risk and insurance professional with 25 years of experience designing, developing and implementing large, global corporate risk management programs for Fortune 500 firms.
Principal Consultant and Founder - Excellence in Risk Management, LLC. (Texas, USA) Co-founder and EVP, Professional Services, rPM3 Solutions, LLC (Maryland, USA).
Past experiences include Head of Global Risk Management for USAA, PepsiCo/Tricon Global and American National Red Cross
Additional risk and insurance experience at Verizon Corp,. Marsh USA and Liberty Mutual Insurance Co.
2004 Risk Manager of the Year – 2007 recipient of the Alexander Hamilton Award for “Excellence in ERM” (at USAA) – former President, Risk and Insurance Management Society, Inc.
Ch
ris E
. M
an
de
l
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Key Contacts Corporate Mumbai Delhi Bangalore
Riskpro India Ventures (P)
Limited
www.riskpro.in
F 186, Sarita Vihar
New Delhi 110076
Manoj Jain Director
M- 98337 67114
Shriram Gokte
EVP - Risk Management
M- 98209 94063
Sivaramakrishnan President – Banking & FS
M- 98690 19311
Rahul Bhan Director
M- 99680 05042
Hemant Seigell SVP – Risk Management
M- 99536 97905
Casper Abraham Director
M- 98450 61870
Vijayan Govindarajan EVP – Risk Management
M- 99166 63652 [email protected]
Ravikiran Bhandari VP – IT
Risk Advisory M- 99001 69562
Ghaziabad / Noida Chennai Kolkata Gurgaon
Siddhartha Ghosh
EVP - Finance M- 9810058072
R Gupta - Insurance Risk M- 98101 07387
R. Muralidharan
EVP – Risk Management
M- 95660 77326
Kashi Banerjee
EVP – Risk Management
M- 98304 75375
Nilesh Bhatia
Head – Human Capital Mgt.
M- 98182 93434
Asok Sit
EVP – Telecom Risk Advisory
M- 98105 03463
Pune Salem Ahmedabad Hyderabad / Agra
M.L. Jain
Principal – Strategy Risk
M- 98220 11987 [email protected]
Priti Tawari
M- 9011054085 [email protected]
Chandrasekeran
Recruitment franchisee
M – 94435 99132
Manoj Kumar
M – 98983 65320
Maulik Manakiwala M – 98256 40046
Gourav Ladha Sap Risk Advisory
M- 97129 52955
Phanindra Prakash (Hyderabad)
Member Firm
M- 95500 61616
Alok Kumar Agarwal (Agra) Member Firm
M- 99971 65253
