Two of Capital India Finance arms - RapiPay and RemitX - partner for international Outward Remittance services

Bangalore: 15th March 2021 : S.K Narvar promoted Capital India Finance Limited (CIFL), a tech enabled SME Finance player, has announced the partnership of its fintech subsidiary RapiPay and its cross-border remittances business vertical ‘RemitX’ to provide international outward remittance services to a varied set of customers. With this development, CIFL has forged an alliance within the group to explore joint synergies by enabling financial technologies taking outward remittances services to India’s vast micro-markets and thereby, consolidate its position. CIFL aims to create a digital ecosystem in financial, payments and banking space to offer its services to customers both in Urban and rural India.

Under the partnership, RapiPay will penetrate the outward remittances services offered by RemitX into the deeper markets of the country by leveraging its vast network of over two lakh agents called ‘RapiPay Sathis’. On the other hand, RemitX will make available its tech-driven, integrated Foreign Exchange services such as outward remittances, buying and selling foreign currency bank notes, foreign currency demand drafts, foreign currency prepaid cards, travel insurance to RapiPay’s business network. With these services at core, RapiPay will be able to offer foreign exchange services to a varied class of customers including the students, travellers going on leisure trips, Overseas Education Consultants, Corporates Houses, Travel Agents and Financial Institutions

Currently through RapiPay, RemitX is offering the two highly in demand services in the international remittance space - outward remittances for Students and outward remittances for overseas Medical Treatment. Post COVID, as the students plan their higher studies abroad this segment is poised to offer vast opportunity in servicing their payments for university fees and personal expenses.

Dr Harsh Kumar Bhanwala, Executive Chairman, CIFL said, “We are geared up to offer seamless and real time technology – led foreign exchange remittance services to under-penetrated markets of India. RapiPay and RemitX, with distinct peculiarities, will create a new-model of last mile-connectivity in the foreign exchange segment and help a category of beneficiaries; post COVID.”

On the students’ front, around one million Indian students go abroad for studies every year. Their tuition fee is transferred by their families in foreign currency through banks and the local money changers. In most cases, the conversion rates charged to consumers are either extremely high or have additional bank charges. RemitX will not only offer the best rates but will also ensure a seamless and transparent process. Alternatively, with RapiPay’s pan India presence across Tier 2 and Tier 3 Cities, the consumers would be able to remit foreign exchange with a greater convenience.

Similarly, outward remittances for medical requirements is another highly in demand service provided by RemitX. The customers would need to contact their nearest RapiPay agents to meet their remittance requirements. Of late, there has been a strong demand for international outward remittances to the USA, UK, Canada, Australia and Germany. “We are expecting a good traction from the Tier II and Tier III cities of Punjab, Maharashtra, Delhi, Gujarat, which are emerging as a strong economic hotspot in India.”, added Dr Bhanwala.

VMSIIHE - First Hospitality Institute in India awarded by FSSAI with the prestigious ‘Eat Right Campus’ certification

Bangalore: 15th March 2021 : One of Goa’s leading private hospitality institute, the V. M. Salgaocar Institute of International Hospitality Education (VMSIIHE) located in the pristine village of Manora-Raia recently obtained the coveted government ‘Eat Right Campus’ certification with 5 star rating.





The prestigious certification has been obtained under the central government’s ‘Eat Right Campus’ initiative of the Food Safety and Standards Authority of India (FSSAI) which aims to promote safe, healthy and sustainable food practices in educational campuses, workplaces, hospitals, tea estates, etc. across the country.



VMSIIHE is the first hospitality institute in India and also in the state of Goa to obtain the certification, which requires passing a thorough audit of institutional practices.



The overall objective of the certification is to improve the health of people and the planet and at the same time promote social and economic development of the nation.



“The certification is a formal endorsement of the cutting edge institutional systems and practices already in place at the VMSIIHE. The extensive certification process was carried out by the Institute in assistance with Indianeers Food Safety Management, an empanelled agency and training programme partner of Food Safety Training and Certification (FOSTAC) authorised by the FSSAI,” said Chef Sebastian Breitinger, Professor of Culinary Arts at the institute.



A team of 21 food handlers from the Institute’s various departments were trained as part of the certification programme, to improve processes related to documentation of foods, as well as to set up collaboration with food suppliers in order to ensure efficient traceability of sourced goods.



VMSIIHE had already put in place safety precautions against Covid-19 to safeguard its campus. The institute had also started a dynamic poster campaign to highlight the perils of food wastage and how to control the phenomenon. To further create awareness about food wastage, VMSIIHE has initiated the practice of weighing leftovers and putting the statistics on display on the institute’s notice boards, to make students and faculty conscious of food wastage and take steps to eliminate wasteful trends.



The evaluation by the team of auditors was a thorough, elaborate procedure with the team minutely assessing staff members of the Institute, as well as examining all documentation processes.



“VMSIIHE takes pride in having gone through a strict appraisal and meeting the standards held by the auditor that visited the institute on the day of the evaluation,” says Prof. Irfan Mirza, Director/Principal at VMSIIHE.

Shri Swarup Kumar Saha appointed as "Executive Director of Punjab National Bank"

 Bengaluru, 11^th March 2021 : Shri Swarup Kumar Saha assumed the charge as Executive Director of the Punjab National Bank. Before taking up this assignment, he was Zonal Manager (Chief General Manager), Lucknow in Punjab National Bank.  

In a career spanning over 30 years, he has worked in different capacities and has worked across the country. He has wide exposure in Human Resource Development, Treasury, International Banking, Credit, Risk Management, Organization Restructuring and Board matters. During his tenure at Head Office of erstwhile Oriental Bank of Commerce, he headed Treasury and International Banking, Human Resource Development Division and Board Division.  

Shri Saha, a graduate in Science from University of Calcutta, Kolkata, started his career in Banking in erstwhile Oriental Bank of Commerce in the year 1990 as Probationary Officer. He is a Certified Associate member of Indian Institute of Bankers (CAIIB). He also holds a Diploma in Treasury, Investment and Risk Management (DTIRM) Indian Institute of Banking and Finance (IIBF) and Certificate in Risk in Financial Services from IIBF in collaboration with CISI, London along with various certifications related to IT Security, Cyber Crimes and Fraud Management. 

He was one of the participants for the flagship Leadership Development Program of Banks Board Bureau (BBB) in 2019 conducted through IIM, Bangalore. Shri Saha has also participated in Advanced Management Program conducted by CAFRAL/Stern Business School, New York and Leadership Development Program conducted by NIBM & Kellogg School of Management, USA. 

“With 12 Million Known and Over 90% Undiagnosed Cases, India May House World’s Largest Number of Glaucoma Patients”

 Bangalore, March 11, 2021: “India can easily be the world’s capital of glaucoma, a group of eye disorders that leads to irreversible blindness, with the disease affecting 12 million people, and remaining undiagnosed in over 90% of the cases. Increasing population of senior citizens, diabetics and people with refractive errors, the known potential risk factors, are set to make glaucoma a rapidly emerging non-communicable ocular disease in the country, which already houses 20% of the world’s blind,” said Dr. Bindiya Hapani,  Senior Consultant Ophthalmologist, Dr Agarwal’s Eye Hospital, India’s largest chain of eye hospitals. 

 

She added that there are no known measures to prevent glaucoma. The only way to prevent blindness from glaucoma, which shows no symptoms in the early stage, is early diagnosis and treatment that could halt the progression of this silent thief of sight. 

 

In a press release, issued in connection with the World Glaucoma Week 2021, being observed from March 7-13, 2021, Dr. Bindiya Hapani,  Senior Consultant Ophthalmologist, Dr Agarwal’s Eye Hospital, said that nearly 40 million people in India, including 1.6 million children, are blind or visually impaired. Next to cataracts, and untreated refractive errors, glaucoma is the third leading cause of blindness in India. However, glaucoma is more complex and dangerous as the sight loss caused by it is progressive and, unlike cataract, is irreversible. Glaucoma is both under-diagnosed and under-treated. It occurs when the pressureinside the eye (intraocular pressure) increases. The pressure is normal so long as the rate of production of aqueous humor, the clear liquid inside the front part of eyes, matches the rate of its drainage. However, when the channels carryingthis fluid get blocked, the pressure insidethe eye increases. This increased pressuredamages the optic nerve, which passes the visual messagesto the brain. 

 

Dr. Bindiya Hapani,  Senior Consultant Ophthalmologist, Dr Agarwal’s Eye Hospital, said that there are two major types of glaucoma: open angle glaucoma, and close angle glaucoma. Open angle glaucoma is the most common form of glaucoma. It accounts for at least 90% of all glaucoma cases. It progresses very slowly and the patient may not feel any loss of vision until it affects the central vision. This results in permanent damage if the patient does not get an eye check-up. 

Glaucoma can strike one at any age - it is reported that people have about 2.3% lifetime risk of glaucoma. However, those who are over 40 years, and who have a family history of glaucoma, and diabetics, and people with refractive errors and those who take steroid medications, eye drops, pills, inhalers, and skin creams are considered at risk populations. They should screen for glaucoma, every year. 

 

 Dr. Bindiya Hapani,  Senior Consultant Ophthalmologist, Dr Agarwal’s Eye Hospital, said that when diagnosed early, glaucoma can be treated effectively to avoid or minimize visionloss. Diagnosis is divided into two categories: clinical examination and diagnostic testing. Clinical examination involves the assessment of the eye with specialised equipment such as slit lamp biomicroscopy, tonometer, and gonioscopy. Diagnostic tests include perimetry, pachymetry, photography of the optic nerve head, optical coherence tomography, scanninglaser polarimetry and confocal laser scanning ophthalmoscope. 

 

Since intraocular pressure is the only modifiable factor in glaucoma,treatment modalities revolve around normalisation of this pressure. Typesof treatment can be medical(eye drops, tablets) laser therapy (aimed at opening of blocked channels) and surgical (aimed at the creation of new channels for draining the fluids inside the eye). Surgical correction also includes a variety of devices that can be placed to help with the drainage from the eye. 

 

The main objective of World Glaucoma Week is to eliminate glaucoma blindness by motivating people to have regular eye check up, including optic nerve examination. The 2021 themeis “The world is bright, save your sight!” It reflects the hope that with regular testing, people continue to see the world around us: full of beauty, charm, and adventure. 

 

Dr. Agarwals Eye Hospital, through its network of hospitals, is creating awareness among the public that clinical examination is the only way to catch glaucoma and early detection and treatment will preventvision loss. And with promptattention from the patients and with contribution from the primary care physicians and prompt referrals to the ophthalmologist, glaucoma can be controlled and kept in check. 

 

About Dr. Agarwal’s Eye Hospitals: 

 

Dr. Agarwal’s Eye Hospital a comprehensive eye hospital offering a one-stop solution for eye ailments; was started in the year 1957. Now the hospital is in its 61st year of offering quality services in eye care. It has 80+ hospitals across India. With a visible footprint in the states of Karnataka, Andhra Pradesh, Telangana, Kerala, Odisha, Maharashtra, Gujarat, Andaman, West Bengal, and Rajasthan. A tertiary eye care centre at Mauritius marks its first step towards establishing an international presence extended up to 13 branches covering the Indian Ocean region, African countries and East Asia. For more information, pls visit: http://www.dragarwal.com/  

 

FCM unveils bold new brand identity and “signals game-changing tech offering”

Bengaluru, 10^th March 2021 : A rapidly evolving business travel landscape has been the catalyst for award-winning global travel management company FCM to transform its brand identity and take a fresh approach to developing a new tech platform. 

With the global pandemic causing a seismic shift in the business travel industry, FCM has made it a priority to address customers’ pain points and their travel programmes by investing in new technology, rapid implementation, enhanced account management and sustainable and secure travel. 

FCM’s bold new look is designed to showcase the brands’ distinctively flexible and unconventional approach to providing agile travel management services to its customers globally and locally. The end-to-end rebrand has been launched in 97 countries across all websites, customer communications and social media platforms.   

A core component of the announcement is that FCM is forging ahead with development of a ground-breaking proprietary technology that directly targets customers’ pain points with current and legacy corporate travel technology. The in-house platform is an omnichannel offering that is being developed following extensive research globally among customers to understand the different concerns of their bookers, travellers and managers. Findings of this research revealed customers need an all-encompassing platform that is consistent across all markets, but also fully flexible with a positive user experience and simple user interface.   

FCM’s Global Chief Technology Officer Adrian Lopez said the vision for the platform is based on addressing six key pillars: a globally consistent booking experience; always available travel assistance; traveller safety and wellbeing support; sustainability; AI powered reporting and savings, and flexible integration capabilities.  

“The development of FCM Platform’s core experience is already well advanced, including a new proprietary online booking solution planned for key markets and integration of AI enhanced chatbot tool Sam as the digital ‘avatar’, providing live chat and real-time assistance across all of the platform’s channels,” said Lopez. 

With powered-up features like AI powered reporting, allowing a search experience similar to that of Google for actionability of data, customers in several regions around the globe have a lot to look forward to as they begin testing the FCM Platform prior to the first phase of onboarding later this year.
 

“We are very excited to unveil FCM’s new brand and also to reveal that 2021 will be a landmark year with the launch of our ground-breaking proprietary technology platform,” said Marcus Eklund, Global Managing Director, FCM.  

“Our customers tell us that FCM is unlike any other TMC, that we have a flexible approach and don’t box them into solutions. Our DNA is very different and we have always prided ourselves on having an alternative mindset. But that wasn’t historically reflected in our brand identity. It was time for FCM to stand out in the market as a true alternative to the traditional service offering of large global TMCs, or the digital-only business travel offering of the tech disruptors.”  

“We are proud of our long journey and humbled by the constant support and encouragement received from our partners and customers. The identity refresh is just the beginning of a wave of strategic initiatives ready to be rolled out, both internal and external, by leveraging our technological expertise to create solutions and practices that will help our stakeholders at large. With this development we aim to honour the community and help them meet their expectations.  It’s not just a colour change, it also represents our ethos, our people and our alternative mindset that makes us stand apart” said Rakshit Desai, Managing Director, India, Flight Centre Travel Group.  

 

Notes for Editors  

• A video introducing FCM’s new identity can be viewed here. 

About FCM: 

Discover the alternative 

FCM is one of the largest travel management companies in the world, and the flagship global business travel division of Flight Centre Travel Group –so when we say global network, we mean it.  Operating in over 97 countries across the world, our team exists on a global scale. We’re all about supporting each other and staying connected so that you know you’re in good hands, no matter where you are in the world.  Globally connected, flexible, and a little unconventional — we make sure that wherever you’re going, you can always go your way. Whether you have regular international travel needs, take single trips at the last-minute, or want to consolidate your business travel services and costs across multiple countries — FCM’s global network has the experience, reach and negotiating strength you’re looking for in a travel partner. Discover the alternative at www.fcmtravel.com 

“Eleven Students from Aakash Institute in Bengaluru” secured 99 percentile and above in the February session of JEE Mains 2021

 Bangalore,10^th March 2021 : Eleven students of Aakash Institute from Bengaluru have made the state and the institute proud by scoring an impressive 99 percentile and above in the February session of JEE Mains 2021 Examination. Notable students among them are Shiva Sudhan Rajamani securing 99.73 percentile, Sn Sooraj Skanda securing 99.7 percentile, Ankita Harsha Murthy securing 99.6 percentile, Akash Sinha securing 99.4 percentile and Praveen K securing 99.2 percentile. 

The results were announced by the National Testing a short while ago. This was the first out of four Joint entrance exam for Engineering scheduled to be held this year. 

Other achievers who have scored above 99 percentile includes Vignesh Pai scored 99.91, Yukta Rajapur 99.49, Bharath N Gowda 99.34, Chinmaya Sahu 99.18, Anirudh Rao 99.1 and Karthikeyan Jaganathan 99.04.  

Congratulating the students on the impressive feat, Mr. Aakash Chaudhry, Managing Director, Aakash Educational Services Limited (AESL) said, “It is a matter of great pride for us that our 11 students from Bengaluru have excelled in the first session of JEE Mains 2021 entrance exam. The credit goes to the hard work of our students, the support of their parents and instructors who have guided the students throughout their journey. Our quality test preparation is renowned in the industry for preparing students to excel in medical and engineering entrance exams. I wish them the best for future endeavours.” 

The students credited their outstanding performance to hard work and the excellent coaching provided by Aakash IIT-JEE instructors for the examination, which is considered among the toughest in the world. The JEE Mains Exam is applicable for admission to NITs, IIITs and CFTIs. 

This is an impressive feat considering that more than 6.5 lakh students have registered for JEE Mains from across the country. 

About Aakash Educational Services Limited (AESL) 

Aakash Educational Services Limited (AESL) provides comprehensive test preparation services for students preparing for Medical and Engineering Entrance Examinations, School/Board Exams and Competitive Exams such as NTSE, KVPY, and Olympiads.  AESL believes that the “Aakash” brand is associated with quality coaching and a proven student selection track record in various Medical and Engineering Entrance Examinations, Scholarship exams & Olympiads. 

With over 33 years of operational experience in the test preparation industry, the company has a large number of selections in Medical & Engineering Entrance Exams and several Foundation level Scholarship exams/Olympiads, a pan India network of 200+ Aakash Centres (including franchisee), and a student count of more than 250,000. 

AESL also owns the famous K-12 EdTech brand, Meritnation.com. 

Website: www.aakash.ac.in 

Paytm launches Soundbox 2.0 & Smart POS; targets 50 Lakh IoT payment devices

 India's leading digital financial services platform Paytm today introduced its latest Internet of Things (IoT) based payment devices, Soundbox 2.0 and Paytm Smart POS for Android phones. The company that started its journey by being the pioneer of QR-code based payment technology has expanded into IoT payment devices with Paytm All-in-One Android EDC devices, All-in-One Android Pocket POS, Soundbox among others. It has built the country's largest network of over 2 crore merchant partners and has helped them grow their business exponentially by empowering them to accept digital payments via Wallet, UPI, Cards and net-banking. It continues to lead offline retail payments with over 9 lakh merchants benefiting from Paytm IoT devices. The company is on a mission to bring 5 crore merchants into the mainstream economy and equip businesses with 50 lakh IoT devices over the next few years. 

 

Presenting SoundBox 2.0, the latest advanced version of Paytm’s innovative IoT device that enhanced the trust in digital payments 

Paytm Soundbox has played a pivotal role in establishing digital transactions as a safe & secure mode of payments, enhancing the trust of businesses and consumers to move digitally. With this IoT-based device, merchants do not need to keep checking their mobile phones for confirmation helping in increasing efficiency and reducing queues & customer waiting time on the shop floor. Instant voice-based confirmations of payments help merchants keep track of all transactions protecting them from getting duped by customers showing fake screens and false confirmations. Small merchants with feature phones, do not need to depend upon SMS confirmations. It has also enabled smooth & seamless digital payments for home delivery as the delivery executive can get instant voice confirmation after a QR-code based payment is made using the device. 

 

The positive impact on the lives of small merchants and hawkers was clearly visible during a recent interaction of Hon'ble Prime Minister Shri Narendra Modi with a woman fruit-seller Preeti. When asked about the device placed on her cart, she confidently displayed the Paytm All-in-One Soundbox explaining how it helped her to accept digital payments and get confirmation instantly. She said, "Achaa hai na? Saamne Waala Paagal Nahi banaa Sakta". ("It's good no? No one can make a fool of me"). 

 

With its success, Paytm has now introduced an all-new Soundbox 2.0, a 'Made in India' advanced IoT device that is powered by Paytm's All-in-One payments & reconciliation technology. This new device comes equipped with a digitally enabled screen that gives instant visual confirmation of the paid amount along with the voice-based response. Merchants can also tap the 'function button' twice to fetch the payment summary for the entire day. This device is beneficial for merchants starting from street hawkers, medium to large retailers as it helps them in maintaining records of all transactions and streamlines all payments made during the day. 

 

Paytm Soundbox 2.0 smart device also empowers merchants to record the net amount corresponding to the merchant's collection along with voice-based confirmation. For example, the device during the closing hour would play the following message, "Today's summary for Paytm QR code: Received 10 payments of Rs 100, done 3 refunds of Rs 20, Net amount to be settled is equal to Rs 80." It also announces when the device has a full battery life of running out of charge. The device comes equipped with a 2000 mAh battery, has a SIM card slot and can be operated without a wifi connection.  

 

While it is available in five languages including English, Hindi, Tamil, Telegu & Kannada, the company plans to add more regional languages including Marathi over the next few months. It comes equipped with Paytm All-in-QR, which enables merchants to accept unlimited payments at zero percent fees directly into their bank account. There are several easy payment plans which the merchant can choose from to acquire a Soundbox. Also, as it is battery operated that helps street hawkers with no stable power source to accept digital payments on the go. By incorporating technological advancements the company has brought in the next wave of digital payments in IoT devices. 

 

Paytm Smart POS for Android phones: Empowering merchants to accept card payments through their smartphones 

 

After enabling digital payments with QR-code technology and democratising financial services in the country with a host of services, the company has now launched yet another technological milestone, the Paytm Smart POS for Android phones. This application transforms a smartphone into a device that accepts debit & credit card payments just like a normal EDC machine. Supported by the Paytm for Business app, the one application to manage all business, the Smart POS enables merchants to seamlessly start accepting contactless card payments anytime, anywhere. The company has partnered with leading financial services institutions including Visa & MasterCard for facilitating card payments for Smart POS. It would soon be live with Rupay as well. 

 

Paytm aims to equip millions of street hawkers, small merchants, MSMEs, tuck-shop owners, kirana stores who have smartphones with this service. 

 

Merchants simply need to sign up on the Paytm for Business App, after which they will be required to download the ‘Paytm Smart POS’ on their Android-based mobile phones. Once downloaded, merchants can start collecting payments from their customers by tapping the card on the back of their smartphones. The payment is then successfully collected and transferred to the merchant’s account along with the other QR payments. This provides the businesses with a single-point easy reconciliation.  

 

Extensively used by over 1 crore merchants, the Paytm For Business app is the one application to manage all business needs, view all their transactions in one place, order Paytm QR merchandise and also transfer payments instantly to their bank accounts at any time. They can also avail multiple business services & financial solutions such as loans, insurance, among other services. 

 

Vijay Shekhar Sharma, Founder & CEO of Paytm said, "Paytm is committed to bringing new-age financial technologies and services to 5 crore small and micro-merchants in India. Today’s launch of Soundbox 2.0 and Smart POS for Android phones expands opportunities for small businesses to experience these latest technologies at the most affordable price. Our in-store payment offerings including the pioneering All-in-One QR are examples of the best Made in India technology." 

 

TR Ramachandran, Group Country Manager, India and South Asia, Visa said, “Contactless payments or tapping to pay with a contactless card or mobile device, have fast emerged as the preferred way to pay globally with nearly 60 percent of Visa transactions outside of the U.S. occurring with a tap. Paytm’s foray into the contactless card payment ecosystem will truly help propel the adoption and usage of contactless cards across India. As a pioneer of the Tap to Phone solution with EMVCo, at Visa we are particularly excited about Paytm Smart PoS’s ability to offer a seamless, convenient and interoperable solution for merchants that will help them accept payments securely from millions of contactless cards in the market” 

 

Dilip Asbe, MD and CEO of the National Payments Corporation of India (NPCI) said, "Paytm has played a vital role in the country's payments revolution & has initiated the digital journey of millions of Indians. To give an example, a few days back for my local purchases, I was paying by scanning Paytm interoperable QR code using BHIM UPI. After the successful transaction, as a normal practice I asked the shop owner whether she received the payment. At the same instant, I heard “50 rupees received” and she smiled and said ‘Aunty ne bola – Aa Gaya’. I believe, this kind of frugal innovations truly connects Indian small merchants with digital payments and aids tremendously to create trust. NPCI strongly believes that our dream of enabling a billion transactions a day can only be achieved if all of us come together to help the ecosystem grow." 

 

Paytm recently announced that it has achieved over 1.2 billion monthly transactions led by the massive growth in offline payments and financial services. It has the highest market share in offline payments with 15% M-o-M growth. Close to 50 percent of its merchant partners hold a Paytm Payments Bank account and benefit from its new-age digital banking services.  With this achievement, the platform has consolidated its leadership position as the largest digital enabler promoting all payment methods including Wallet, UPI, cards and net-banking. It has been the main driving force behind encouraging digital payment adoption in villages and has trained lakhs of merchants helping in the proliferation of online transactions. Through these initiatives, the company continues to be one of the key contributors of Atmanirbhar Digital Bharat. It has successfully led the digital journey of millions of Indians and guided them through the process of making online transactions to availing all banking financial services on the app. 

 

About Paytm: 

Paytm is India's leading financial services company that offers full-stack payments & financial solutions to consumers, offline merchants and online platforms. The company is on a mission to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. One97 Communications Limited that owns the brand Paytm is founded by Vijay Shekhar Sharma and is headquartered in Noida, Uttar Pradesh.