1. finance
2. bank

THIRD INTERNATIONAL CONFERENCE
Emerging Trends In
The Global Financial LandscapeApproaches, Challenges & Opportunities
23rd & 24th February, 2015 SCMS, Pune, India
SYMBIOSIS CENTRE FOR MANAGEMENT STUDIES, PUNE
SYMBIOSIS CENTRE
FOR MANAGEMENT STUDIES
PUNE
Padma Bhushan Dr. S. B. Mujumdar
Founder & President, Symbiosis
Chancellor, Symbiosis International University
Symbiosis International University
Inspired by the ideals of 'Vishwa Bharati' of Gurudev
Rabindranath Tagore and with a deep desire to help
foreign students, an idea of 'Symbiosis' was conceived by
Padma Bhushan Dr. S. B.Mujumdar in the year 1971. The
motto of Symbiosis is 'Vasudhaiva Kutumbakam' and truly
for the foreign students at Pune, it is a 'Home away from
Home’. Symbiosis is a multi-lingual, multi-national, multi
-cultural educational complex of international repute
comprising of institutes imparting training in diverse
THIRD INTERNATIONAL CONFERENCE
National Assessment & Accreditation Council (NAAC)
Emerging Trends In
The Global Financial LandscapeApproaches, Challenges & Opportunities
established by the University Grants Commission of India.
23rd & 24th February, 2015 SCMS, Pune, India
Symbiosis Centre for Management
Studies, Pune
Contents
disciplines at several campuses. Symbiosis International
University was accredited and awarded Grade 'A' by the
The journey of Symbiosis Center for Management Studies
began at Pune in 2004 and it has seen a progressive
growth every year in terms of curriculum design and
student intake. The Institute has been ranked second in
India in the field of under graduate management
education by the India Today Neilson Survey for the year
2014.
02
Conference Overview
03
Objectives of the Conference
03
Suggested Subthemes for Research
04
Paper submissions
04
Key Dates
04
Manuscript Submission
05
Guidelines for Manuscript Submissions
05
Registration fee details
05
Mode of Payment
06
Advisory Board & Organizing Committee
With state of the art infrastructure and a fully operational
campus, SCMS-Pune is emerging as an internationally
recognized fully integrated management institute of
higher learning. The institute seeks to inculcate a spirit of
lifelong learning and aspires to strengthen the capabilities
of the students by integrating concepts with applications
and values.The institute strives to develop an innovative
academic environment through the synergy between
faculty, students, industry and technology. The institute
encourages constant interaction with the industry and
other leading management/ research institutes. The third
International Conference is one such endeavour.
Conference Overview
The World Economic Forum, in its report ‘Outlook on the
Global Agenda 2014’, has indicated “widening income
disparities, persistent structural unemployment, diminishing
confidence in economic policies, lack of values in leadership
and expanding middle class in Asia” as some of the significant
top ten trends facing the world. To address issues that
emanate from these trends and to provide an impetus for
economic growth and development, it is critical to ensure a
fundamentally strong, functionally efficient and market driven
financial sector.
Post the global financial crises, the financial landscape has
witnessed significant changes; with policy makers and
regulators having embarked on an inclusive reform agenda.
There is an increased recognition that the high level of
inter-connectedness of economies not only leaves the
domestic economy uninsulated from the events elsewhere in
the world but also of the need for a collaborative and
supportive approach between economies. Consequently all
the constituents in the globalized financial sector comprising
of the financial institutions, financial markets, financial
instruments and services have undergone reforms aimed at
strengthening the financial system in the face of domestic and
external crises. Several crucial aspects including prudential
norms, recording and reporting financial information,
supervision and control, financial inclusion and enhanced
Corporate Governance have been the underlying themes of
these reforms.
Against this backdrop, it is appropriate to discuss, deliberate
and conduct research based studies capturing the emerging
trends in the global financial landscape. The two day
Conference aims to provide a platform for academics,
researchers, policy makers, practitioners and representatives
of the corporate sector to share their practical experiences
and research findings resulting in a better understanding of
the global financial sector- the challenges and opportunities.
The Conference will see the participation from eminent
speakers representing a broad cross section of regulators,
bankers, corporates and service providers.
Objectives of the Conference


To discuss, analyze, share opinions and research based
findings so as to build consensus on a wide range of
issues pertaining to the global financial sector.
To highlight the need and impact of multi-lateral
co-operation between countries, institutions, investors,
practitioners and policy makers for attaining sustainable
financial growth.


To provide a forum for researchers, practitioners and all
stakeholders to discuss and arrive at new insights on key
aspects of financial regulation globally.
To provide an opportunity to researchers and
academicians to collaborate and engage in research
partnerships.
Suggested Subthemes
for Research Paper submissions
Financial Services &
Financial Instruments
Regulators








Strategies for strengthening Financial regulators/
Financial Institutions.
Reforms in the Insurance sector/FDI in Insurance
Social security through Pension reforms
FSLRC recommendations
Systemic risk regulation
Dodd-Frank Act
Non Bank Holding Company (NBHC) structure
Macro -Economic Instability/Stability with respect to
Financial Sector Reform











Life and Non-Life insurance
Bancassurance
Credit Rating
Depositories
Factoring & Forfaiting
Portfolio Management
Personal Finance and Wealth Management
Asset Management Companies
Hire Purchase/ Leasing
Structured and Non-Structured products
Bitcoins- Rise and fall of digital money
Suggested Subthemes
for Research Paper submissions
Financial Inclusion:
Issues and Challenges






Broadening and deepening the financial markets
Role of Cooperative Banks, RRBs
Measuring Financial Inclusion
Financial awareness at the bottom of the pyramid
Financial literacy among otherwise educated sections of society
Financial Education for entrepreneurs of MSME s
Banking Sector





Financial Markets
Allied areas














Financial Marketing
Financial Services Market research
Ethical issues in Marketing
Digital Marketing Trends in Banking and Financial
Services
Entrepreneurial Finance- Issues and Challenges
Entrepreneurial Finance and Venture Capital
Reforms in SME Financing
Changing financial scenario of Self Help groups
Entrepreneurial Sector Reforms
Financial reforms for women Entrepreneurs
Enterprise Risk Management
Human Resource needs in the evolving Financial Sector
Strategic HR in Financial Services
Recruitment and Retention strategies post the Global
Financial Crises
Key Dates
Last date for submission of full length papers
30th November, 2014
Notification of Acceptance of the full length papers
(International delegates)
1st January, 2015
Notification of Acceptance of the full length papers
(Indian delegates)
15th January, 2015
Last date for registration for the Conference
15th February, 2015
Organic and Inorganic growth of Financial Institutions
Banking in Emerging markets
Financial intermediation by Banks
Risk Management in Banking and Financial institutions
Transition to BASEL III




Reforms in the Capital market
Equity and Debt Markets
Derivatives Market
Stock Exchanges
Specialised Institutions




Development Finance Institutions in the nature of
NABARD/ SIDBI/EXIM/ IDFC/ NHB
Role of NBFCs in emerging economy
Issues in development and promotion of Asset Finance
Companies/Investment Companies/Loan Companies
Post Offices & last mile connectivity
Manuscript Submission
Original unpublished papers
falling under any of the sub
themes are welcome. Before
submitting your papers
please indicate the
subtheme under which your
paper falls or even touches
upon. All abstracts and full
length papers should be
mailed to
papersubmission15@scmspune.ac.in
Please refer to the paper submission guidelines to help
you prepare your paper. The presentations would be
done as per the Tracks which would be communicated
to the paper presenters before the conference.
Guidelines for Manuscript Submissions
Abstract
The abstract should not be more than 150 words including key words with Font size
12. The abstract should be followed by 3-5 keywords arranged in alphabetical order.
Full Length papers:

Times New Roman font must be used throughout the paper.

Title of the paper must be in sentence case, bold and centered with font size 17
 Word limit must be a minimum 2500 words to maximum 6000 words (i.e. minimum 3 to maximum 10 printed pages which
include tables, graphs, figures, equations, or any other illustrations).
Authors and affiliations should be followed after the title of paper. The author(s) name should be of font size 13 point and
bold. Affiliation(s) of the author(s) along with their full address (es) of organization(s) followed with phone, fax and email should
be of font size 8 point, italics, centered and single lined-spaced.


The body of the paper should follow the abstract and must have the following
o
Introduction
o
Methodology
o
Results or Findings
o
Conclusion

The body should be single line spaced.

The 6th Edition of APA referencing style must be used in the text as well as in the reference section.


Details of the references quoted in the text should appear at the end of the paper in alphabetical order.
References should be single line spaced with font size 9.
Strictly use British English. It is responsibility of the author(s) to check grammar, spellings, punctuation marks and the overall
English thoroughly before submission of the paper.
Publication
Full length papers of accepted abstracts will undergo a double blind peer review process. Selected papers will be published in the
SCMS Journal with an ISSN no. However researchers whose research papers are selected for publication in the Institute’s Journal
may choose to publish their work elsewhere in which case they must acknowledge that the paper has been presented at the
Conference. In case the delegates are not able to physically present their paper, their research paper will be published (in absentia)
and a published copy along with the certificate will be dispatched to his/her correspondence address by post soon after the
conference.
Registration fee details:
Mode of Payment
Delegates may remit registration fees by sending a demand draft
in favour of Symbiosis Centre For Management Studies (UG)
payable at Pune. Payment may also be directly deposited in the
Institute’s account.
Details of NEFT/RTGS transfer
Bank Name: CORPORATION BANK
Branch Name: VIMANNAGAR, PUNE
SWIFT No: CORPIN BB 132,
Bank Account No: 073900101040101(15 digits).
RTGS IFSC Code: CORP 0000739
Indian
Foreign
Corporate Delegates:
INR 3,000
$150
Academicians
INR 2,500
$100
Full time Research Scholars
INR 1,500
$50
Graduate & Post graduate students
INR 500
$25
After making an electronic transfer of funds, delegates are
requested to inform the following details to
accountant@scmspune.ac.in & ao@scmspune.ac.in



MICR Code: 411017009

Bank Code: CORP 0000739

Account Name: SYMBIOSIS CENTRE FOR MANAGEMENT STUDIES (UG)

Scan copy of the receipt of the transaction
UTR No Of Account Transfer
Remitter’s Name/Account Holder Name
Date Of The Transaction
Amount
Name Of The Person Attending theConference.
Distinguished Speakers for the Conference
Honorable Shri Harun Rashid Khan, Deputy Governor, RBI
Hon'ble Shri Harun Rashid Khan, Deputy Governor, Reserve Bank of India has held many distinguished positions over
the 32 years of his banking career. He has extensive experience in the areas of banking supervision, regulation, currency
management, debt management, reserve management, rural credit and other allied areas. Shri H.R.Khan has been
closely involved with a number of internal and external committees, such as, the Committee on Technology Exports, the
Committee on Ways and Means Advances to the State Governments (as Member Secretary), the Working Group on
Instruments of Sterilisation (as Convener), the International Task Force on Central Counterparties (CCPs), the Working
Group on Model Fiscal Responsibility and Budget Management Bill for States (as Convener). Shri Khan was also the chairman of the Internal
Group of RBI on Rural Credit and Microfinance (popularly known as the Khan Committee). As Executive Director, Shri Khan represented
the Reserve Bank on the Working Group at the G-20 on “Reinforcing International Cooperation & Market Integrity” and the Committee on
Global Financial Systems (CGFS) of the Bank for International Settlement (BIS). Shri Khan was also the Nominee Director of RBI on the
boards of Dena Bank, Bank of Maharashtra, Punjab and Sind Bank, Bank of Rajasthan and the Orissa State Finance Corporation (OSFC).
Mr. Alexander K. Sattler, Financial Counsellor & Representative of
the Deutsche Bundesbank, Consulate General of the Federal Republic of Germany
Mr. Alexander K. Sattler has served as a Representative of the Deutsche Bundesbank, the central bank of the Federal
Republic of Germany, in India since October 2014. He is the Financial Counsellor of the German Consulate General in
Mumbai, Mr. Sattler holds a Masters degree in Economics from the University of Mannheim (Germany) and a Masters
degree in International Political Economy from the University of Warwick (United Kingdom). Before joining the
Bundesbank, Mr. Sattler was policy advisor at the strategy department of the Deutsche Gesellschaft fuer Internationale Zusammenarbeit
(GIZ), the German federal enterprise for international cooperation. He worked most recently at the International Monetary Affairs
Department of the Bundesbank’s central office in Frankfurt (Germany). In spring 2014, he temporarily served as Advisor to the Executive
Director for Germany at the International Monetary Fund (IMF) in Washington D.C. (USA).
Shri Y. M. Deosthalee, Chairman & Managing Director of L&T Finance Holdings Ltd.
Mr. Y.M Deosthalee is presently the Chairman and Managing Director of L& T Finance Holdings Limited. He is also
the Non Executive Chairman of L&T Finance Ltd, L&T Infrastructure Finance company Limited and L&T General
Insurance Company Limited. With the L&T Group with over 40 years, Shri Y.M Deosthalee was the Chief Finance
Officer and member of the Board of Larsen and Toubro Limited till September,2011.During his tenure, in addition to
heading Finance, he was responsible for Human resources, Risk Management, Mergers and Acquisitions and shared
services. He also played an important role in software services and in building L&T Infotech. Mr. Deosthalee has been
credited with making significant contributions in L& T concessions business. Mr. Deosthalee is currently the Non Executive Chairman of
L&T Infrastructure projects and two of its large SPVs /JVs L&T Metro Rail (Hyderabad)Limited and Dharma Port Company Limited. He is
a member of key regulatory committees and has participated in the formulation of public policy. He is the Chairman of CII’s National
Committee on NBFCs and a member of its national council and banking committees.
Shri S Raman, Whole time member SEBI
Mr. S Raman joined the Securities and Exchange Board of India (SEBI) as a Whole Time member on the 28th of
December 2012. He oversees the portfolios of Investment Management, which include mutual funds, alternate
investment funds, collective investment schemes and foreign portfolio investments into India. He also heads the areas
of enforcement, enquiries and adjudication, amongst others. Mr. Raman has overseen efforts aimed at creating a new
investor class, that is to say, foreign portfolio investors by combining FIIs, sub accounts and qualified financial investors
(QFI). He has also spearheaded the SEBI effort to curb the raising of funds by fraudulent collective investment scheme
operators. Before joining SEBI, Mr. Raman served as Chairman and Managing director of Canara bank from September 2010 to September
2012. During his tenure, the Bank raised almost 2000 crore rupees of equity capital through a QIP issue in March 2011, resulting in the
Bank becoming one of the better capitalized public sector banks in India.
Mr. D. R. Dogra, MD & CEO, CARE Ratings
Mr D.R. Dogra is the Managing Director & CEO of CARE Ratings, the second largest credit rating agency in India in terms of rating income.
He has over 35 years of experience in the financial sector in the areas of banking and credit rating spanning public (Dena Bank) and private
sectors (CARE Ratings). He holds several professional positions such as Director, Chairman of Membership Committee and Member of
Training Committee at Association of Credit Rating Agencies in Asia (ACRAA), Manila Philippines, Board Member and
Non-Executive Chairman of ARC Ratings, S.A., Portugal, and Public interest Director (approved by SEBI) on MCX-SX. He is
also a member of FICCI Maharashtra State Council and member of WR Economic Affairs Sub-Committee of Confederation
of Indian Industry. He is on the Governing Board of the Golden Maharashtra Development Council. He has recently
become a member of the Task Force for Development of Common Rating Mechanism for MSMEs across the Financial
System set up by the Ministry of Finance, Govt. of India. His academic involvements include being an expert member of
the Academic Advisory Committee in Finance Area, Birla Institute of Management Technology and Director on Board
of Governance of Universal Business School, Mumbai.
Distinguished Speakers for the Conference
Shri C VR Rajendran, Chairman & Managing Director of Andhra Bank
Shri C VR Rajendran has been the Chairman & Managing Director of Andhra Bank since 2013 and prior to that has
served in the capacity of Executive Director of Bank of Maharashtra. Sri C VR Rajendran began his illustrious banking
career in Corporation Bank in 1978 as a Branch Manager and since then held distinguished positions as the Head of
Industrial Finance Branch, Managing Director, Corp Bank Securities and Executive Director Bank of Maharashtra. Sri
Rajendran is an avid banker with rich experience in International Banking, Investment Banking, Merchant Banking,
SSI/SME/Agricultural Lending, Industrial Finance, Commercial Lending, and Infrastructure Financing & Information
Technology. In the span of his eventful career, he has received several accolades and Awards like Chairman’s Club Membership, Super
Productivity Award, SOGian Award, Millennium Award and Best Branch Award.
N. Srinivasan, International expert in Development finance and livelihoods
N. Srinivasan has been a development banker for 30 years at the Reserve Bank of India and NABARD – the apex rural
development bank. Since leaving the NABARD seven years ago, he has been involved in the design, supervision and
evaluation of policy, strategy and implementation of several development finance and rural development projects in
India and abroad. His areas of interest are development banking, micro and rural finance, livelihoods and financial
inclusion. A prolific writer, he has authored Microfinance India SOS Reports for four years and has co-authored three
books. As an Independent director he contributes to the governance of three companies and three trusts that focus on
rural finance and development themes. He currently serves on the boards of two microfinance companies, a producer company, three
development trusts, industry bodies dealing with microfinance and rural finance. As an international development finance expert, he
works with IFAD, World Bank, CGAP, GIZ, KFW, Microsave and other principals. He had designed and conducted training courses on
different aspects of development banking for executives of Indian banking system. He had been involved policy making and policy review
exercises of RBI, Planning Commission, NABARD and Ministry of Finance at different points of time. He holds a Master’s degree in
economics and is a certified trainer.
Dr. Mukesh Kanaskar, Director-International, All India Institute of
Local Self-Government and Director, International Centre of EQUI-T
Dr. Kanaskar, an alumnus of Symbiosis Institute of Business Management(SIBM) has experience of more than 22 years in
the development sector, along with more than 4 years of volunteerism. Prior to becoming the international director at
AIILSG, sir has been a Knowledge Facilitator for High Level Policy Delegation of Government of India on Social Housing
& Livelihoods Promotion to South Africa (2015), has represented the Asia Region Secretariat of the International
Network of Alternative Financial Institutions (INAFI) at INAFI’s Conclave 2000 in Ghana and has been the Team Leader of a delegation from
6 Asian countries to Japan for the Council of Local Authorities for International Relations, Japan’s Local Government Exchange and
Cooperation Program, 2012. Dr. Kanaskar also conducts research and writes papers for the Government of India, United Nations Population
Fund and other national & international clientele. Sir is the author of 2 books and has 24 scientific papers to his credit in national and
international journals and has been a participant to various national and international policy events. Dr. Kanaskar is closely associated with
issues like Women’s health, poverty alleviation, equity & inclusion and tribal development. Dr. Kanaskar has also been the Project Leader
of the largest European Union supported poverty alleviation-NGO project in Asia - ‘Transfer of Technologies for Sustainable Development’
(1996-2004) which was spread over 217 locations in India, coordinated a team of 220 professionals. He also provides policy facilitation
support to the Government of India, and has been the Coordinator of the ‘National Resource Center for Urban Poverty’ supported by UNDP
& Government of India, and of the ‘Support to National Policies for Urban Poverty Reduction’- National Resource Center Western Region,
established by the Govt. of India.
Shri. Arun Kejriwal, Eminent columnist and stock market expert
Eminent columnist, commentator and ‘critic’, Shri Arun Kejriwal is closely associated with the stock markets and enjoys
a vast fan following amongst various stakeholders of the Indian capital markets. His incisive comments, which are
featured in all national media (print, online and television), provoke thoughtful discourse. His eagerly awaited columns
in tabloids such as Mail Today and Mid-Day demystify the mysteries of the capital market for the common man.
If analyzing the capital markets were dubbed as a science, multi-faceted Arun Kejriwal has transformed it into an art
form. Time and again he has raised cudgels on behalf of the individual retail investors who are often taken for a ride because they don’t
have a voice to represent them. A well-known figure on business television talking about markets and with a clear focus on the retail
investor, Shri Arun Kejriwal specializes in IPOs. Shri Arun Kejriwal is also an advisor to corporates and HNI’s, advising them on markets and
business strategy.
Distinguished Speakers for the Conference
Dr. Sunder Ram Korivi, Dean, School of Securities Information and Research, NISM
Eminent columnist, commentator and ‘critic’, Shri Arun Kejriwal is closely associated with the stock markets and enjoys
a vast fan following amongst various stakeholders of the Indian capital markets. His incisive comments, which are
featured in all national media (print, online and television), provoke thoughtful discourse. His eagerly awaited columns
in tabloids such as Mail Today and Mid-Day demystify the mysteries of the capital market for the common man.
If analyzing the capital markets were dubbed as a science, multi-faceted Arun Kejriwal has transformed it into an art
form. Time and again he has raised cudgels on behalf of the individual retail investors who are often taken for a ride because they don’t
have a voice to represent them. A well-known figure on business television talking about markets and with a clear focus on the retail
investor, Shri Arun Kejriwal specializes in IPOs. Shri Arun Kejriwal is also an advisor to corporates and HNI’s, advising them on markets and
business strategy.
Dr. Ajit Ranade, Chief Economist Aditya Birla Group
Dr. Ajit Ranade is Chief Economist with the Aditya Birla Group, which is an Indian Multinational with head office in
Mumbai. He has been a member of the Capital Convertibility Committee of the Reserve Bank of India. He was a member
of the Governing Council of the Banking Codes and Supervisory Board of India. He currently serves on various
committees of apex industry chambers of CII and FICCI. He is the chair of the Research Advisory Panel of the Indian
Institute of Banking and Finance. He is currently a member of the Board of Governors of IIT Bombay. He is an engineer
and an MBA and has received a PhD in Economics from Brown University, USA. He received the Distinguished Alumnus
Award from IIT Bombay in 2009, Scholar of the Year Award from Wadia Trust in 2010, and Ramchandra Parnerkar Economics Award in 2012.
He is one of the founders and trustees of the Association for Democratic Reforms, an NGO working in area of electoral and political reforms.
Mr. Ananth Narayan,
Managing Director & Regional Head of Global Markets, South Asia
Mr. Ananth Narayan is currently the Regional Head of Global Markets, South Asia for Standard Chartered Bank. He has
over 20 years of experience in the banking industry. He holds a B.Tech in Electrical Engineering from IIT Bombay and an
MBA from IIM Lucknow. He joined Standard Chartered Bank in 2009. As Regional Head, he is responsible for business
strategy, performance and people for financial markets across South Asia. Prior to Standard Chartered, he held
positions in Citibank as Director and Head of FICC trading till 2005 and in Deutsche bank as Head of Rate Sales and Trading, South Asia
till 2009. Mr. Narayan is also a director on the boards of Fixed Income Money Market and Dealers Association (FIMMDA), Standard
Chartered Securities (India) Ltd. and Central Depository Services Ltd. Mr. Narayan has been part of various RBI committees, including the
one that launched FX options in India. He has also appeared in print and television media to give his views on financial markets.
Shri Rajiv Mitra, MD, Govind Milk & Milk Products Pvt Ltd
Mr. Rajiv Mitra is currently the managing director of Govind Milk and Milk Products and has over 20 years of experience
in the FMCG, Telecom & Food industries. Prior to Govind, he held senior level positions with the RPG Group, Bharti
Airtel and Reliance. Sir has extensive experience in marketing, sales, brands, products, supply chain and general
management. He is a post graduate in Economics, has an MBA in Marketing and is an alumnus of Jadavpur University,
Calcutta and IIM, Ahmadabad.
Advisory Board
Smt. Meena Hemachandra
Principal Chief General Manager, Department of Banking Supervision, RBI
Mr. Alok Sheopurkar
Executive VP and Head HR, HDFC Asset Management Company
Mr. Ajay Sharma
Chief General Manager, IDBI
Dr. Sunder Ram Korivi
Dean, School for Securities Education and School for Securities Information & Research, NISM
Dr. Manju Singh
Professor and Head - PhD Programme and Research Projects, SIRI, SIU
Dr. Yogesh Patil
Head, Research Publications, SIRI, SIU
Organizing Committee
Conference Convener
Dr. Bhama Venkataramani, Director, SCMS Pune
Conference Secretary
Dr. Parimala. Veluvali
Organizing Committee Members
Prof. Adya Sharma, Deputy Director
Dr. Nitin Mahankale
Prof. Sajeesh Hamsa
Prof. Ishita Dutt
Prof. Deepak Havaldar
Prof. Ashutosh Mathur
Prof. Sabiha Fazalbhoy
Prof. Archana Singh
Prof. Neha Joan Panackal
Prof. Sharmila Devi
Prof. Nilam Patil
For any conference related queries please contact
Mrs. Aditi Vankar- Coordinator
M: +91 9850492661, Email: conference15@scmspune.ac.in
Symbiosis Centre For Management Studies, Pune,
Survey # 231, Near Lunkad Gold Coast, Viman Nagar, Pune - 411014
Telephone : - +91 20 26634531/33/34.