Providing oversights and strategic management of every aspect of a person’s financial activity from asset management to financial planning, risk management to retirement planning.
Swiftnlift Announces wealth management advisors to look for in 2021
1. www.swiftnlift.in
January 2021 ISSUE
Armstrong Capital &
Financial Services Pvt. Ltd
Top 10 Wealth
Management Advisors
to Look for in 2021
Manju Mastakar
Managing Director
Creating
Creating
customized
customized
solutions in
solutions in
the areas of
the areas of
investments
investments
Handling
finance
affairs during
pandemic
Why Do
we Need a
Financial
Advisor?
L
L
L
L
Swift
Swift ft
ft
Swift the solution, Lift the business!
4. www.swiftnlift.in
January 2021 ISSUE
Armstrong Capital &
Financial Services Pvt. Ltd
Top 10 Wealth
Management Advisors
to Look for in 2021
Manju Mastakar
Managing Director
Creating
Creating
customized
customized
solutions in
solutions in
the areas of
the areas of
investments
investments
Handling
finance
affairs during
pandemic
Why Do
we Need a
Financial
Advisor?
L
L
L
L
Swift
Swift ft
ft
Swift the solution, Lift the business!
Swiftnlift Media And Tech
SwiftNLift is the Best Business Magazine across the
globe for enterprises
5. Nilesh Sabe
Chief Editor
- Nilesh Sabe
Iam extremely happy to be able to present you with this publication. The
feedback I’ve got from readers and institutions/companies associated with
our publication have been quite encouraging.
Additional coverage, ads, and still photography are also included in some
print pieces. Regular editorial columns with reflecting essays provide a look
into IT services and their progress.
The journey of our magazine starts with the cover story of a talented and
visionary personality Mrs Manju Mastakar, who is currently the CEO of
the Armstrong Capital & Financial Services Pvt. Ltd. Their advisory
services are predominantly related to equity and debt an avenue which
includes mutual funds, corporate bonds, alternate investments, annuities
and Insurances. Whether you are an individual or institution you want your
investments to be managed by someone you can trust therefore Armstrong
ensures that all the transactions are transparent and fosters a bond of trust
with the clients.
SwiftNLift magazine is no longer merely a print or digital publication;
everything we do stem from its longstanding character, attitude, and quality
even as we continue to produce the print edition with the same zeal.
From the Editor...
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8. C O N T E N T S
Cover Story
Articles
Armstrong Capital
& Financial Services
Pvt. Ltd
Why Do We
Need A Financial
Advisor?
Handling Finance
Affairs During
Pandemic
10
22 30
Creating
Customized
Solutions In The
Areas Of
Investments
38
11. Top 10 Wealth
Management Advisors
to Look for in 2021
“Expect the best.
Prepare for the
worst. Capitalize on
what comes”
12. Introduction
Armstrong Capital is an investment management firm
providing oversights and strategic management of
every aspect of a person’s financial activity from asset
management to financial planning, risk management
to retirement planning. Armstrong strives to provide
the best suitable solution to clients according to their
risk taking appetite and their long term financial goals.
Their advisory services are predominantly related to
equity and debt avenues which includes mutual funds,
corporate bonds, alternate investments, annuities
and Insurances. Whether you are an individual or
institution you want your investments to be managed
by someone you can trust therefore Armstrong
ensures that all the transactions are transparent and
fosters a bond of trust with the clients.
About the CEO
The very talented and a visionary Mrs Manju
Mastakar, who is currently the CEO of the Armstrong
Capital & Financial Services Pvt. Ltd. She established
the company in the year 2010, whose office is
located at Bangalore. Under the leadership of her,
the company is smoothly running with 25 highly
professional and skilled employees.
Actually, her entrepreneur journey started in 2009,
while she was working in an investment advisory firm
and soon after the subprime crises, the firm had a lay
off in the organisation and the clients that she worked
with were left without any Advisor. This is the instance
where she came up with a belief and vision to start her
own business. The earlier days were completely full of
struggle but yet she managed it with her strong will
power and determination. It was like a one man show
for her. Her motherhood and the entrepreneurship
started at the same time. She set up the office at her
home itself and would make calls and execute market
trades. She actually is an inspiration to many.
But how far these things were going to last in her
life. She wanted to grow and coincidentally in the
year 2010 she met a person with a nobel idea, which
actually turned the table for her. He was an investment
banker, who proposed the idea of funding her so that
she could do the things in more professional manner.
The beam penetrated into the chaos of life and added
a wonderful spectrum for her.
Armstrong Capital &
Financial Services Pvt. Ltd
13. There were no time restrictions, she didn’t have to
report to a boss, she could take rest from work to look
after her baby. So here everything was in her ground.
Her family also played a major role by supporting her
to fulfil her ambitions.
In spite of having 10 years of experience into the
corporate sector, entrepreneurship was completely
a new challenge for her. The initial years were full
of struggle for her. She started with 1 employee who
would set up calls and handle the back office work.
It was all about- “do it yourself and at the minimum
cost.”
“Where there is a will there is a way” as it is rightly
said. Her hard work and determination paid a price
and finally from 2014 onwards the organisation
grew rapidly, which got a good client base and more
strength of employees to work. After that she never
looked back.
“All the stories of hardship that I went
through summed up into 1 word that’s call
‘struggle’.” – she added.
How do you stay on top of changes in the
industry? What changes are you going to
look more at now?
Our industry has been through a lot of changes,
especially the complete digital transformation that
took place during COVID-19 times. We were always a
forward-looking organisation and adapt to technology
changes very fast. What is more important, is adapting
to the changing mindset of our clients. At every stage
of life, the mindset of the client is different, and we do
a lot of handholding to take them through the wealth-
building journey.
Why choose ARMSTRONG CAPITAL?
We listen to and understand our customers better.
Listening and understanding are two different
processes. Many times customers come across as
very aggressive investors but when we design an
investment strategy, we use our judgement. Generally,
clients choose us over the competition because of our
honest advice, online execution, long term planning
and most importantly, trust. We spend a lot of time
with customers in the initial years, explaining to them
and educating them. Once they believe that we have
the right knowledge and we are working in their best
interest, then the trust factor is built.
How are clients benefitting by doing
business with ARMSTRONG CAPITAL?
We bring in the discipline of saving that was missing
in the clients. We have instances when clients have
raised concerns that ‘I have been investing in market-
linked products over the last two years, but I haven’t
seen any returns. Why should I continue to invest?’
Our reply to them is that no fund manager, portfolio
manager or wealth manager can create returns or
wealth. It is the client who has to build the discipline
of monthly savings and stay invested over five years
patiently to create wealth. Our continuous efforts to
convince the clients with relevant data to prove this,
helps them to be convinced, and over 10+ years is
when clients really thanks us for helping them build a
fortune.
14. Do clients typically accept your
recommendations? In what way does the
treatment of employees come into play?
Every recommendation is not a winning idea. I tell my
clients to look at the long term. The stock market will
fluctuate and in the short term, every recommendation
we make may feel like a losing proposition. We stick to
our shortlisting process and give a couple of options to
clients. We explain to them the rationales, the various
scenarios that can occur and involve them in the
decision making.
Our employees are the face of our organisation. We
encourage peer-to-peer learning since we deal with
a lot of emotions of customers. By sharing these
experiences employees learn from each other. We
also focus a lot on internships and have a programme
designed for them. We are open to accepting new ideas
from newcomers and often give a chance to students
who join from other professions. I believe that.
“To innovate you should not have learnt
about it before”.
What are your views on today’s industry
scenario? What is your strategy to reach new
industries and new customers?
I feel there is going to be a huge transition in the
industry. I feel the individual practising persons will be
going through a huge turnaround. The old ways of doing
business are shifting gears, and app-based online trading
is evolving. Social media is feeding clients with a lot of
information, so to challenge that a lot of effort needs to
be put onto researching for right fund picking. The blind
faith kind of advice which existed a decade ago is fading
and clients have become more aware and demanding.
With a lot of Fintech companies coming up,
where do you see the industry headed?
Fintech companies and wealth management are both
parts of the same ecosystem. Fintech companies are
focused on more retail and entry-level investors. After
a particular asset size, the investor realises that they
need professional guidance and starts looking for that
professional. The entry-level small investor is not our
target client because to manage wealth we require a
minimum portfolio size, then our expertise comes into
play. With more Fintech companies coming up, it’s
beneficial for wealth management companies as they
create small fish.
What is the best advice you would give to
first-time investors ?
Stock markets will reward you with exponential
returns if you are patient, but it will not give you lateral
returns. If you are going to look at your portfolio every
month and every year, comparing it with fixed deposits
is not going to help. The market will take its own time
to deliver returns over two years. The returns can be
negative but over a longer time period of five years, it
will definitely deliver exponential returns.
For investors who say “I don’t want to lose
any money” what kind of advice would you
give them?
There are no gains without pains. I get a lot of calls
from investors in the first three years of their portfolio
building journey. I tell them that if you’re feeling
nervous, if this thought that you are losing money
wanders into your mind, you need to keep looking at
your portfolio every day and as soon as it comes to
15. Year of Founding: Dec 2010
Funding Information: 10Lakhs (USD
13k)
Founding Members:
Manju Mastakar
Office Locations: Bangalore
Company Strength: 25 employees
Website:
www.armstrong-cap.com
breaking even, then withdraw. These are normal
feelings. Your risk appetite is being built up and the
returns that you get are for going through this pain.
A lot of the new generation of investors like to do it
themselves. What would you tell them?
It’s good to explore, learn and teach yourself. When
you make mistakes and especially mistakes that cost
you money, that is when you look for guidance. Our
experience has been that a lot of such investors place
their bets on past performance and star ratings.
Unfortunately, both of them are not consistent, and
over time, they look for guidance.
Is there a future in wealth management
or will Fintech take over
Human to human communication cannot be
eliminated. Our job as a wealth manager is to
manage our clients’ emotions more than money.
Until, and unless, clients don’t talk to us, they
don’t feel convinced and we also encourage that.
Execution can happen online and we can use
Fintech for that, but our personalised advice is
what they cannot replicate. I feel both models will
continue to co-exist and human advice and swift
online execution are both required for an investor.
16. Accely is a global technology and innovation firm
that stands for advancement and provides customers
with end-to-end ERP, Mobility Solutions, Ecommerce,
and Business Analytics solutions via the SAP suite of
applications and other leading technologies.
Our unique selling point is our breadth of technical,
project management, and problem-solving expertise,
which enables us to deliver high-value solutions with a
quick return on investment.
Vision
To deliver exceptional results, quality and value to
our clients through unparal-leled service and
break-through technology
Mission
We continually strive to generate deep insight into
what drives value creation and competitive advantage
in our clients’ businesses and the economy as a whole.
We work collaboratively with clients to convert insight
into strategy that will have a substantial positive
impact on performance.
Consistently delivering impact earns the trust that
is the foundation of lasting rela-tionships. These
relationships serve as a platform for still deeper insight
and more significant impact.
Accely seeks to stimulate continuous growth and
success for our clients and, by doing so, to forge
lifelong bonds with them.
Accely is well positioned to provide customers with
appropriate solutions, special-ising in fixed-price,
quick-staff replies and combining strong technology
under-standing with hands-on experience.
Accely is a top SAP authorized Value Added Re-seller
(VAR) Partner when it comes to supplying business
application solutions.
Because our company concentrates on small and
medium businesses, Accely’s success stories have
become well-known not just in the United States, but
also around the world.
Enterprise Application Support, Information
Technology, and Consulting Offerings are among the
primary services.
Consumer goods, retail, wholesale, engineering and
Nilesh Shah
CEO
World-Class SAP Consulting
Services Using Refined
Methodologies And Innovation,
Thus Creating A Synergy Of The
Latest Technology And Vast
Accumulated Experience
Top 10 Wealth
Management Advisors
to Look for in 2021
16 JANUARY 2021 SwiftNLift
17. construction, life sciences, and manufacturing are just
a few of the industries represented by Accely’s
cus-tomers.
Nilesh Shah,CEO
We believe in working for that extra hour to serve
better.
Accely uses Information Technology in making
processes not just more efficient, but also much more
effective. We look at automation as an opportunity to
allow refined methodologies and innovation to create
a synergy of latest technology and vast accumulated
experience. Once again, our differentiator is in the
depth of technical knowledge, project execution and
problem-solving skills that enable us to provide high-
value solutions, and rapid return on investment.
Accely is distinguished from other organizations
in the industry by the range and depth of its whole
portfolio of research, consulting, solutions, services,
systems, and software.
Accely offers a single point of contact for a variety
of solutions that assist generate the maximum value
for customers, the organization, and all supply chain
partners thanks to its association with industry leaders.
Accely is headquartered in Singapore and has offices
throughout the United States, the United Kingdom,
the Middle East, the Indian subcontinent, Asia, and
Australia.
Website: http://www.accely.com
Industry: Information Technology & Services
Company size: 1,001-5,000 employees
Headquarters: Singapore, Singapore
Type: Privately Held
Founded: 2001
Sources and references: http://www.accely.com
17
JANUARY 2021 SwiftNLift
18. Setindiabiz
Private
Limited
Bangalore has established itself as one of India’s leading
metro cities, boasting a top-notch talent pool.
On our team, Setindiabiz have some of the best
Certified and Experienced Bookkeepers that are ready
to tackle any Accounting job.
Our Mission
Is to deliver quality and prompt professional services
on time and all the time at economical rates with an
aim to be the first choice amongst the entrepreneurs.
Registration & Licenses.
Shops & Establishment
The purpose of shops and establishment act is to
regulate working hours, safety and conditions of work
and holidays in private sector. The registration is
mandatory all over India and is to be done with local
labour office. Non Compliance is a Criminal Offence.
Trade License
The conduct of trading activity is regulated by the
municipality to safeguard safety to the neighborhood
and nuisance to the public living near the trading
concern. It is mandatory and different fee is collected
by the government based on the activity.
GST Registration
Supply of Goods and Supply is the taxable event for
GST, and any person involved in the same have to levy,
collect and deposit the GST. The taxpayer is further
required to file periodical GST Return and To comply
with the above GST Registration is necessary.
Helps Startup Registration, Manage GST Compliance,
Registration Of ... Start Your Business As A Private
Limited Company Within A Week, All You Need
Sanjeev Kumar, Amrita
Chanchal,Sharwan Kumar Singh
Director
Top 10 Wealth
Management Advisors
to Look for in 2021
18 JANUARY 2021 SwiftNLift
19. Import Export Code
Import and Export Code is a unique identification
of the person registered with the DGFT, which is
a prerequisite requirement for doing an Import
or Export business in India. IEC is a pan based
registration. Hence only one IEC can be obtained
against one PAN.
Drug License
To trade in the pharmaceutical items, you need to
obtain either a wholesale drug license or a retail
license. Many pharma companies market their
products after getting it manufactured from the third-
party manufacturer and trade under their brand after
obtaining drug license.
PSARA
The business of providing private security guards is
blooming these days. However, the security agency
needs to obtain a License from the competent
authority before starting the business. The license can
be taken for one district or many districts of the state.
KPS Corporate Consultants owns
Setindiabiz.
We specialize in Startup Registration, Licensing,
Accounting, Taxes, Tax Planning & Management,
Legal Services, Payroll Labour Laws, and Intellectual
Property Rights Protection & Enforcement.
What We Are?
With around 2% market share in startup registration,
we help aspiring startups throughout India and in the
USA, Singapore, Hong Kong, UAE etc.; we provide
most of the professional services of CA, CS, CMA and
Lawyers at the most reasonable fee and with complete
transparency.
Concrete Blonde Consulting: Concrete Blonde
success storey that began with life lessons.
Website: https://www.setindiabiz.com
Established: 2005
Employees: 100+ Staff
50,000+ Clientele
Experts: Pan India Service
19
JANUARY 2021 SwiftNLift
Sources and references: https://www.setindiabiz.com
20. lineaccountancy: Based out of Green City of India
“Bangalore “and servicing Indian taxation locally along
with Bookkeeping and Accounting work for US, UK,
UAE Clients. We have expertise in
■ Bookkeeping
■ Accounting
■ Indian Taxation
■ CFO Serving
■ Data Entry
Our mission is to help our client grow as our Mantra
is “Client growth is our Growth”
Line accounting was formed because of an
overabundance of demand for outsourced finance
back-office functions.
It began operations in 2013 with only three people and
has steadily grown to add more each year.
Its accounting division in the United States and
the United Kingdom has developed to become a
prominent provider of outsourced bookkeeping and
accounting services.
This expansion is the consequence of continuous
improvements and consistent outputs, all of which are
part of the set criteria for Line Accounting.Bangalore
has established itself as one of India’s leading metro
cities, boasting a top-notch talent pool.
On our team, we have some of the best Certified and
Experienced Bookkeepers that are ready to tackle any
Accounting job.
Who are we?
Line Accountancy Is a leading Bookkeeping and
Accounting Services Provider in the US, UK and
Australia
Our Mission
Our mission is to evolve in all aspects of Business that
help our customers to grow further.
What We Do?
We provide outsourced bookkeeping service and make
sure our clients get most out of their Finance.
BOOKKEEPING
■ Bank Reconciliation
■ Credit Card Reconciliation
■ Document Management
■ Recording Transactions
Risen As One Of The Fastest
Growing Outsourced
Bookkeeping And Accounting
Services Suppliers For The US
And UK From India.
Top 10 Wealth
Management Advisors
to Look for in 2021
Line Accountancy
20 JANUARY 2021 SwiftNLift
21. ■ Debits credits to respective ledgers
ACCOUNTING
■ Cash Flow management
■ Accrual Accounting
■ Financial Statements
■ Balance Sheet
■ Financial Reporting
TAX PREPARATION
■ Tax Preparation
■ Tax Planning
■ Audit
■ Corporate Tax
■ Personal Tax
PAYROLL
■ Process payroll
■ Pay staff
■ Time sheet Management
■ After the Fact payroll
■ Live Payroll
DATA ENTRY
■ Offline Data Entry
■ Document Filling
■ Web based data entry
■ Excel Data Entry
■ Software Data Entry
ACCOUNTS PAYABLE
■ Data entry Supplier invoices
■ Data entry Supplier payments
■ Reconcile Accounts Payable
ACCOUNTS RECEIVABLE
■ Data entry Customer invoices
■ Data entry Customer payments
■ Reconcile Accounts Receivable
■ Chasing overdue invoices
Specialties
Bookkeeping, accounting, payroll, Indian taxation,
CFO services, and US GAAP Accounting.
Website: http://www.lineaccountancy.com
Industry: Accounting
Company size: 2-10 employees
Headquarters: Bangalore, Bangalore
Type: Sole Proprietorship
Founded: 2013
Sources and references:
http://www.lineaccountancy.com
21
JANUARY 2021 SwiftNLift
22. The Many Roles of a Financial Advisor
A monetary consultant is your monetary arranging
accomplice. Suppose you need to resign in 20 years or
send your kid to a private college in 10 years. To achieve
your objectives, you may require a talented expert
with the right licenses to assist with making these
arrangements a reality; this is the place where monetary
counsel comes in.
Together, you and your consultant will cover numerous
themes, including the measure of cash you should save,
the sorts of records you need, the sorts of protection
you ought to have (counting long haul care, term
life, handicap, and so on), and bequest and expense
arranging.
The monetary counsellor is additionally a teacher. A
piece of the counsellor’s undertaking is to assist you
with understanding what is associated with meeting
your future objectives. The instruction interaction may
incorporate point by point assistance with monetary
subjects. Toward the start of your relationship, those
themes may incorporate planning and saving. As you
advance in your insight, the consultant will help you
in the understanding complex venture, protection, and
expense matters.
The Financial Health Questionnaire
A monetary consultant will work with you to get a total
image of your resources, liabilities, pay, and costs. On
the poll, you will likewise show future benefits and
pay sources, project retirement needs, and depict any
drawn-out monetary commitments. To put it plainly,
you’ll list all current and anticipated ventures, benefits,
endowments, and types of revenue.
The underlying appraisal may likewise incorporate an
assessment of other monetary administration themes,
Why Do We Need A
Financial Advisor?
22 JANUARY 2021 SwiftNLift
23. for example, protection issues and your expense
circumstance. The consultant should know about your
present home arrangement, just as different experts
in your arranging group, like bookkeepers and legal
counsellors. When you and the guide comprehend
your present monetary position and future projections,
you’re prepared to cooperate on an arrangement to meet
your life and monetary objectives.
Making The Financial Plan
The monetary guide combines the entirety of this
underlying data into a complete monetary arrangement
that will fill in as a guide for your monetary future. It’s
anything but a rundown of the vital discoveries from
your underlying survey and sums up your present
monetarycircumstance,includingtotalassets,resources,
liabilities, and fluid or working capital. The monetary
arrangement additionally recaps the objectives you and
the council examined.
In view of your normal total assets and future pay at
retirement, the arrangement will make recreations
of conceivably best-and most pessimistic scenario
retirement situations, including the frightening chance
of outlasting your cash. For this situation, steps can
be taken to forestall that result. It will take a gander
at sensible withdrawal rates in retirement from your
portfolio resources. After you survey the arrangement
with the counsellor and change it as fundamental,
you’re good to go.
Counsellors Plan Action Steps
A monetary counsellor isn’t simply somebody who
assists with speculations. Their responsibility is to assist
you with each part of your monetary life. Truth be told,
you could work with a monetary counsel without having
them deal with your portfolio or suggest any ventures
whatsoever.
The consultant will set up a resource designation that
fits both your danger resistance and hazard limit.
The resource designation is just a rubric to figure out
which level of your absolute monetary portfolio will be
dispersed across different resource classes.
Monetary Advisors and Investments
It’s significant for you, as the customer, to comprehend
what your organizer suggests and why. You ought not
indiscriminately to follow a counsellor’s suggestions; it’s
your cash, and you ought to see how it’s being conveyed.
Watch out for the charges you are paying—both to your
consultant and for any assets purchased for you.
While considering the association’s venture reasoning,
yourownportfoliowilllikewisemeetyourrequirements.
It ought to be founded on how soon you need the cash,
your venture skyline, and your present and future
objectives.
Customary Financial Monitoring
When your venture plan is set up, you’ll get standard
explanations from your consultant refreshing you on
your portfolio. The counsel will likewise set up normal
gatherings to audit your objectives and progress, and
to address any extra inquiries you may have. Meeting
distantly through telephone or video talk can assist with
getting those contacts going all the more frequently.
Sources and references:
https://www.padisciplinaryboard.org/
23
JANUARY 2021 SwiftNLift
24. Dewan P N
Chopra & Co
A person who believes that a Chartered
Accountant in India evaluates the debit and credit
of organizations is mistaken.
A CA is responsible for a variety of operations,
the majority of which are related to the country.
The function of CA in the growth of the country
is critical. As one can see by studying the
importance of growth.
Chartered Accountancy not only deals with
account debits and credits, but they also play
a significant role in nation-building. A CA’s
responsibilities include capital budgeting, tax
planning, budget forecasting, bookkeeping,
finance, and other related tasks.
They are in charge of GST
implementation. The steps will be
executed by a team of CA before
initiating GST
Dewan P.N. Chopra & Co. is a well-known
Indian chartered accounting firm that offers
a broad range of services across four major
service verticals: taxation, regulatory, transaction
advisory, and audit & assurance.
The firm has vast expertise providing
a wide range of professional services
to both domestic and foreign clients
Our goal is to provide high-quality, skilled
professional services that are delivered efficiently,
wisely, and with meticulous attention to detail to
Direct Taxation, Goods And Service Tax, Regulatory,
Transaction Advisory, Audit & Assurance And Risk
Advisory Services
Anil Chopra -
Managing Partner
Top 10 Wealth
Management Advisors
to Look for in 2021
24 JANUARY 2021 SwiftNLift
25. meet the needs of our clients.
We give services with pragmatism,
innovation, and due care and
diligence
The Firm amalgamates the vast experience of
senior management with the passion & zeal of
the young professionals; trust and lineage with
a history of achievements; personal attention
with deep expertise; and as a result is uniquely
positioned to deliver positive solutions for
complex business issues.
The Firm’s rich heritage is apparent in the values
for which we stand – integrity, reliability &
proficiency. At the same time, we recognized the
need to stay ahead of the curve in an increasingly
dynamic economic & business environment and
have continually evolved to meet the changing
needs of our clients.
Website: http://www.dpncindia.com
Industry: Financial Services
Company size: 51-200 employees
Headquarters: New Delhi, India
Type: Partnership
Founded: 1978
Specialties
Taxation, Regulatory (FEMA / FDI), Audit,
Transaction Advisory, Indirect Tax, Direct Tax,
Goods & Services Tax, Representation, Advisory,
Transfer Pricing, Income Tax, International
Tax, Internal Controls, Standard Operating
Procedures, GST Audit, Business Acquisition,
Citizenship & Residency, NRI, Risk Advisory, and
Transaction Advisory.
Sources and references:
http://www.dpncindia.com
25
JANUARY 2021 SwiftNLift
26. Mr Alok Kumar Agarwal, who is currently the CEO
of the ASC Group and Managing Partner of the
Chartered Accountant Firm, launched the ASC Group
in 1995 with the founding of ‘Alok Sinhal & Co.,’ a
Chartered Accountant firm.
We have grown to be one of the few firms in India that
give comprehensive business services to our clients on
a variety of issues in just 25 years.
The Group has more than 25 years of experience
assisting several Indian business houses and Fortune
500 multinationals operating in India on a wide variety
of issues, including company formation, business
reorganization, cross-border taxation advisory, and
mergers and acquisitions, taxation advisory, foreign
trade policy, foreign direct investment, tax litigation
support, FEMA advisory, GST consultancy, legal
metrology, bureau of Indian standard, internal audit,
transaction support services, custom related services,
insolvency, and bankruptcy advisory and other
regulatory policy matters, across a range of industry
sectors.
Our approach
Consistent value addition to our clients’ business forms
the basis of our approach. At ASC Group, we spend
significant time analyzing the business operations,
industry, functions, and goals of our clients to provide
innovatively and out of box solutions to complex issues
such as new business models, business restructuring,
tax strategies, investment models, to add value to our
client’s business, and at the same time maintaining
clients’ confidentiality.
We are focusing on…
The primary focus is always on how we can bring value
to our clients’ businesses. This approach also aids us
in keeping up with the ever-changing dynamics of
corporate requirements and legislative laws.
To guarantee that clients’ expectations are satisfied, the
Group’s Directors and Senior Professionals oversee the
implementation of all service assignments.
Our Mission
Our strength lies in our dynamic and vibrant team.
Our staff comprises highly skilled professionals whose
core competencies enable us to offer diverse solutions
to our clients. Our in-house skill up-gradation training
programmers keep our staff continuously updated with
changing compliance requirements, market conditions
and business environments.
We aim to provide the most efficient and cost-effective
Financial And Legal Advisory
In Delhi And India. With A View
To Offering All Accounting
And Financial Services For
Individuals And Corporates
Under One Roof
Top 10 Wealth
Management Advisors
to Look for in 2021
ASC Group
Alok Kumar Agarwal
Founder & CEO
26 JANUARY 2021 SwiftNLift
27. services and offer our entire range of solutions less
than one roof. We have developed a vast network of
branches and rep offices and forged strategic alliances
with partners in collateral areas of expertise in order to
provide holistic solutions for all domains and sectors.
Our Vision
ASC Group is constantly guided by a vision of creating
an India-based firm with world-class service standards.
We are inspired by best practices in our profession and
we never compromise on quality. For us all our clients
are unique and their requirements are specialized. We
turn each assignment into an opportunity and strive to
exceed the expectations of our customers.
We are for you since…
With over two decades of experience, we have evolved
an approach to customize our services to meet the
unique and individual requirements of our clients. We
bring into play our diverse skill sets to strategize for the
clients and guide them through the complex regulatory
compliances. Our primary goal is to maximize available
options for the clients and assist them in choosing the
right action plan. Once a client approaches us with
a query, we set in motion our large repertoire of in-
house and networked experts who bring into play their
deep analytical and professional skills to work out the
most appropriate solution. After the completion of
the advisory stage, we help our clients in all aspects of
implementation from start to finish.
Statutory Audit Services, Business Restructuring,
Legal Metrology ,Bis & Other Registrations, India
Entry Services, International Taxation & Transfer
Pricing, GST (Goods & Services Tax), Risk Advisory,
Customs & Import & Export Incentives, Corporate
Law & Secretarial, vendor management, and Sourcing
Solution
Website: https://www.ascgroup.in
Industries: Financial Services
Company size: 201-500 employees
Headquarters: New Delhi, Delhi
Type: Privately Held
Founded: 1995
Sources and references: https://www.ascgroup.in
27
JANUARY 2021 SwiftNLift
28. SBS And
Company
LLP
The firm is led by chartered accountants who
practice in a variety of disciplines, complementing
the expertise of the other members of the team.
The idea behind
SBS and Company LLP has a think tank of
professionals in the form of Associates from
various fields, including Company Secretaries,
Cost Accountants, Advocates, and Technocrats,
all of whom have extensive experience in
their fields and contribute significantly to the
organization’s long-term success.
Our Philosophy
We believe in the philosophy of connecting the
dots, the dots being various areas of business
needs namely Audit, Income Tax, Value Added
Tax, Service Tax, Accounting, Corporate
and Business Law Compliances, NBFC, RBI,
FEMA, SEBI, Payroll Processing, Management
Consultancy, Project Financing and Other
Services and the responsibility of connecting such
dots lie with us, thus fulfilling and living up to the
believed philosophy.
CA Suresh Babu Sannareddy
He is the company’s founder. He oversees the
entire company and ensures that it follows
the company’s concept and plan. Born into
an agrarian family, he comes from humble
beginnings.
Chartered Accountant Firm With Team Of Highly
Qualified And Motivated Professionals, Offering
Integrated One-Stop Services.
CA Suresh Babu sannareddy
Founder And Chairman cum
Managing partener
Top 10 Wealth
Management Advisors
to Look for in 2021
28 JANUARY 2021 SwiftNLift
29. He is well-known for his foresight and
perseverance.
He spends most of his time working with
clients to resolve their challenging technical and
managerial issues.
Chartered Accountant Services
Direct Tax
Preparation and filing of Income-tax and
Wealth-tax returns of resident and non-resident
individuals, domestic and foreign companies and
other entities/clients.
Indirect Taxation - GST
Transaction planning to deal with Service Tax &
VAT Implications. Vetting of Contracts to pass on
the service tax liability.
Project Funding
Corporate/Project Finance and Funding.
Preparation of project and feasibility reports,
applications for funding with financial
institutions.
Valuation of Business
Share and business valuations. DCF valuation as
specified by RBI under FDI/ODI regulations.
Corporate Laws
Formation of Indian and Offshore Companies/
LLP’s, Setting up Liaison Offices, Branch
Offices and Project Offices. Advising on various
matters under the Companies Act, including an
appearance before the Company Law Board.
Foreign Exchange Laws
FEMA & FCRA Related Services. Advice on
Compliance under the Foreign Exchange
Management Act, 1999 (FEMA) in connection
with the inbound investment, outbound
investment, External Commercial Borrowings,
establishing Branch and Liaison offices etc.
Management Consultancy
Director-General of Foreign Trade – Registration
for Imports & Exports Handling STPI, SEZ
related works
Auditing & Assurance
Statutory Audit, Internal Audit, Concurrent
Audit, Stock Audit, Due Diligence Audit &
Investigation Reporting.
Systems & Procedures
Development of MIS for SME segment. Review
and improvement of MIS for medium and large
enterprises.
NBFC Related
Assistance to the company in obtaining
registration as NBFC from RBI (Core Investment
Companies/ ARC/ Finance/ Lease/ Investment
Companies etc.,). Guidance to the company in
compliance with RBI regulations related to NBFC
activities.
Website: https://www.sbsandco.com/
Industry: Accounting
Company size: 51-200 employees
Headquarters: Hyderabad, Telangana,India
Type: Partnership
Founded: 2009
Sources and references:
https://www.sbsandco.com/
29
JANUARY 2021 SwiftNLift
30. Monetary exercises were discouraged, and financial
backers were hesitant to begin new monetary
speculations while progressing projects additionally
declined because of the worldwide lockdown to control
the sickness. This examination dissects the cash supply
response to the COVID-19 pandemic utilizing a
cross-sectional board of 115 nations. The examination
utilized strong least-square relapse and development
bookkeeping strategies to get sound boundary gauges.
The outcomes show that COVID-19 contaminated
cases are the fundamental contributing element that
discourages monetary exercises and diminishing cash
supply.Conversely,anexpandingnumberofrecuperated
cases and COVID-19 testing abilities gave financial
backers certainty to build stock exchange across nations.
The general figure pattern shows that COVID-19
contaminated cases and recuperated cases pursued the
U-molded direction, while COVID-19 basic cases and
announced passing’s showed a diminishing pattern.
At last, the cash supply and testing limit show a positive
pattern over a period. The examination reasons that
monetary advancement can be extended by expanding
the testing limit and utilitarian labs to distinguish
suspected Covid cases internationally. Signs You May
Need an Advisor
Anybody can work with a monetary consultant at
whatever stage in life and any phase of life. You don’t
just have high total assets; you simply need to discover a
counselor fit your circumstance.
The choice to enroll proficient assistance with your
cash is an exceptionally close to home one, yet any time
you’re feeling overpowered, confounded, worried, or
terrified by your monetary circumstance might be a fun
chance to search for a monetary consultant.
It’s additionally fine to move toward a monetary
Handling Finance
Affairs During Pandemic
30 JANUARY 2021 SwiftNLift
31. consultant when you’re having a sense of safety yet you
need somebody to guarantee that you’re in good shape.
A council can propose potential enhancements to your
arrangement that may assist you with accomplishing
your objectives all the more adequately.
You Have Investments, yet you’re
consistently losing Money
Indeed, even the best financial backers lose cash when
the market is down or when they settle on a choice
that doesn’t turn out as they’d trusted. In any case, in
general, contributing should expand your total assets
impressively. On the off chance that it’s anything but
doing that, recruiting a monetary consultant can help
you discover what you’re fouling up and right your
course before it’s past the point of no return.
You Don’t Have a Current Estate Plan
A monetary consultant can likewise help you set up a
domain intend to ensure your resources are dealt with
as per your desires after you kick the bucket. Also, if
you’re not appropriately guaranteed (or aren’t sure what
protection you need), a monetary consultant can assist
with that, as well. For sure, a charge just monetary
consultant might have the option to offer a less
one-sided assessment than a protection specialist can.
Assisting you with arriving at Your Goals
Monetary consultants can help you with contributing
and arriving at your drawn-out objectives from various
perspectives.
Ability
Monetary counselors find out about putting away
and overseeing cash than a great many people. They
can direct you to preferred decisions you may make
all alone.
Monetary guides assist with keeping you
on target by talk
At last, on the off chance that you don’t have the
opportunity or interest to deal with your accounts,
that is another valid justification to recruit a monetary
counselor. Those are some broad reasons you may
require a counsel’s proficient assistance. Here are some
more explicit ones. None of Your Savings Is Invested or
You Don’t Know How to Invest
Since we live in a universe of expansion, any cash you
keep in real money or in a low-premium record decrease
in esteem every year. Contributing is the best way to
bring in your cash development, and except if you have
an incredibly top-level salary, contributing is the lone
way a great many people will at any point have sufficient
cash to resign.
Sources and references: https://quizlet.com
31
JANUARY 2021 SwiftNLift
32. QBSS is a tech-enabled outsourcing firm that’s
changing the way companies thinks about finance,
accounting and technology services. With world-class
teams, highly personalized services, and an online
portal, you Get More to Go On. Most back-office
outsourcing solutions have too many missing elements
– in terms of customer experience, work delivered, and
business reporting, and so on.
What do we do?
QBSS enables clients to see further, scale smarter, and
stand stronger with smarter systems and over 1,100
specialists in various sectors such as finance and IT
support. Our forward-thinking CEO is a Chartered
Accountant and BPO veteran with over 30 years of
experience growing businesses all over the world.
Prior to becoming our route leader, CM ran a small
financial and business advisory firm, advising private
equity firms on how to improve and expand their
portfolio companies all over the world.
For the previous 11 years, CM served as Aegis’ Global
CFO, overseeing strategy, mergers and acquisitions,
finance and accounting, tax, legal, secretarial, and
compliance. CM was the driving force behind the
company’s phenomenal growth, which included both
organic and inorganic wins. It’s time to make a choice.
You’re still unsure of what to do
Why?
You don’t have enough information to make a decision.
Although you have the P&L, it hasn’t been updated.
You have inventory forecasts, but you’re not sure how
accurate they are.
You’re not sure if the most recent A/R report or the
performance statistics from your various sites can be
trusted. To top it off, you don’t have somebody who
can actually assist you comprehend this data, let alone
compare it to other businesses in your industry.
There are simply too many elements lacking. That is
why Quatrrro Business Support Services exists. We
provide you with more information.That is why we
constantly obtain customer satisfaction scores of over
96 per cent.
Leaders today are in a race against time to deliver and
construct not only dependable and scalable businesses
but also the robust infrastructure to support them.
In less than six years, Aegis went from less than $70
Tech Enabled Outsourcing
Firm That’s Changing The
Way Companies Think About
Finance And Accounting, And
Technology Services.
Top 10 Wealth
Management Advisors
to Look for in 2021
Quatrro Business
Support Services
C M Sharma
Chairman & CEO
32 JANUARY 2021 SwiftNLift
33. million in revenue in 2005 to a thriving US$ 1 billion
firm with 55,000 employees spread across 13 countries.
Technology is frequently the thread that keeps
enterprises running smoothly. With our high-quality,
rapid deployment Technology Services, QBSS is a
channel-friendly partner who helps your business
success and employee productivity.
We proactively monitor, prevent, debug,
and resolve a wide range of technical
problems
Customers can use QBSS’s professional and
comprehensive assistance system to complete
business procedures swiftly and efficiently. We make
use of technology resources to ensure that we meet
the technological needs of our customers.
Eliminate and prevent system outages, allowing you
to enable your customers to earn more money while
providing reliable service. In a five-year period, CM
was also instrumental in the completion of more than
15 successful acquisitions.
He has won multiple important honors for his work
in scaling up firms, turning around businesses,
boosting profits, and re-engineering costs.
IMA India’s CFO of the Year for excellence in Merger
& Acquisition, and The Institute of Chartered
Accountants of India’s CFO of the Year and CA
Global Business Achiever are just a few of them.
A capable leader and caring mentor, he believes in
self-motivation and articulate perspectives.
Website: https://www.quatrrobss.com
Industry: Outsourcing/Off shoring
Headquarters: Marietta, Georgia
Type: Privately Held
Sources and references: https://www.quatrrobss.com
33
JANUARY 2021 SwiftNLift
34. D And K
Wealth
Advisors
LLP
D and K Wealth Advisors LLP is a diversified financial
advisory organisation with a long history of wealth
development and a well-ingrained philosophy.
We started out as an equity brokerage business in
Ahmedabad in 1991 and have since expanded into a
comprehensive wealth advisory and consultancy firm
that assists customers with their savings and wealth
creation needs.
How Can We Help You?
Get In Touch With Our Wealth Experts
Talk to one of our skilled wealth consultants today if
you want to achieve all of your life goals, maintain and
increase your wealth for the future, and be financially
free.
Our knowledgeable team of advisors will show you
exactly what to do, how to do it, where to invest, and
how much to invest for the best long-term returns and
capital appreciation.
Simply complete the form and we will
contact you as soon as possible.
D And K Wealth Advisors Your Dependable Financial
Growth Partners Since 1991
We started out as an equity brokerage business in
Ahmedabad in 1991 and have since expanded into a
comprehensive wealth advisory and consultancy firm that
assists customers with their savings and wealth creation
needs.
D and K Wealth Advisors, led by Mr Darshit Khetani,
a professionally certified Chartered Accountant, assists
investors in building long-term wealth by delivering
Multifaceted Financial Advisory Firm With
Deeply-Rooted Philosophy And Legacy Of Wealth
Creation Spanning Over More Than Two Decades.
Darshit khetani
Director
Top 10 Wealth
Management Advisors
to Look for in 2021
34 JANUARY 2021 SwiftNLift
35. excellent financial consulting services. We are motivated
by a desire to assist individuals in the process of wealth
development through effective wealth management, such
as SIPs, mutual funds, stocks, PMS, bonds, corporate FDs,
structured investment products, and so on.
Our Pillars of Strengths
• Experience Spanning Over Two Decades
We’ve been actively involved in the financial investing
area since 1991, giving us an unrivalled competitive
advantage over other market participants.
• Dedicated Research Desk
Our in-house research desk examines industry data,
reports, trends, and global developments on a regular
basis, providing our wealth advisory services with much-
needed agility and data-backed insights.
• Interactive Investment Approach
You’ll never be alone in your investment journey with D
and K Wealth Advisors.
Our regular interaction sessions and portfolio review
meetings ensure that your investments are in sync with
your long-term objectives.
• Tailor-Made Plans
We believe in customizing wealth planning and advisory
as every individual is unique in his/her needs are too.
Hence, we draft customized plans based on the purpose
of investment and future financial needs. Whether you are
looking for a comfortable retirement or to f
• Customized Investment Approach In Sync with Your
Aspirations
D and K Wealth Advisors are committed to assisting you
in achieving all of your financial objectives.
We’ve established a unique, client-centric investment
methodology that focuses on enhancing portfolios
through the power of compounding over the years.
Our Investment Philosophy Is Curated
Around Your Personal Life Goals
At D and K Wealth Advisors, it’s always about you and
your financial growth. We recommend to our clients
what we take into account his life stage, risk profile,
future aspirations, and life goals. Our investment
philosophy has a potential element of flexibility and
customization that focus on transforming your existing
riches into long-term wealth.
We advise personalized investment plans according to
your return expectations and life goals based on extensive
research with our expertise in the financial market.
We ensure that your portfolio is aligned
with your risk profile, time horizon, and
financial goals by utilising varied asset
classes and products.
D and K Wealth Advisors, led by Mr Darshit Khetani,
a professionally certified Chartered Accountant, assists
investors in building long-term wealth by delivering
excellent financial consulting services.
We are motivated by a desire to assist individuals in the
process of wealth development through effective wealth
management, such as SIPs, mutual funds, stocks, PMS,
bonds, corporate FDs, structured investment products,
and so on.
Date of Incorporation: 10 July 2017
Office Location: Ahmedabad, India
Source & reference: http://dandkwealthadvisors.com/
35
JANUARY 2021 SwiftNLift
36. Rayvat Accounting is a top accounting outsourcing
agency with an extraordinary capacity to boost
a company’s revenue, wealth, and success. We’ve
unveiled previously unknown resources for
Bookkeeping, Payroll, Accounts Receivable & Payable,
GST, VAT, and Taxation
The beginning
Rayvat was founded in 2006 to address the ever-
increasing lack of quality from accounting and
bookkeeping service providers, as well as the need
for faster turnaround times, cost reduction, and
workplace efficiency.
Rayvat employs the greatest accountants with CA,
ACCA, and CPA qualifications that collaborate
with clients to fully comprehend their operations
and deliver exactly what they require. We all know
how difficult it is to find a decent accountant and
bookkeeper, despite the fact that a great bookkeeper
can do wonders for your business.
Little more about us
Rayvat Accounting is a major accounting outsourcing
firm for businesses, individuals, CPAs, and accounting
firms in the United States, the United Kingdom,
Europe, Canada, and Australia.
We offer a customized set of services in which we sit
down with the client, listen to their needs, and deliver
exactly what they need. We monitor your business with
the most up-to-date technologies, including as Xero,
QuickBooks, and Sage, which streamline and automate
how your data is obtained in the most secure way.
We are a professional accounting outsourcing firm.
We understand that you would feel the need of
keeping your information secret. We have a number
of security measures in place to address this. It is also
our goal to deliver the best, most inexpensive, and
most flexible services possible. -Through our efficient
work methods, we ensure that the processes run
smoothly, with definite technological know-how in
the fields of accounting, engineering, and BPO, among
others, and a highly competent workforce working
around the clock. Whatever the scope of the project,
we are confident in our ability to provide you with the
highest quality, on time, and at a reasonable cost. We
are dedicated to providing high-quality service and
ensuring client happiness.
Rayvat’s core values are ethics and integrity. We have a
number of security measures in place to address this.
Provides End To End Accounting
Services For All Kinds Of Business.
We Ensure That Turnaround Time
For Information Processing Is Not
More Than 24 Hours
Top 10 Wealth
Management Advisors
to Look for in 2021
Rayvat
Accounting
Jinendra Shah
Founder
36 JANUARY 2021 SwiftNLift
37. It is also our goal to deliver the best, most inexpensive,
and most flexible services possible.
The following features are included in our
tailored solutions:
-Through our efficient work methods, we ensure that
the processes run smoothly, with definite technological
know-how in the fields of accounting, engineering, and
BPO, among others, and a highly competent workforce
working around the clock.
Whatever the scope of the project, we are confident in
our ability to provide you with the highest quality, on
time, and at a reasonable cost.
We are dedicated to providing high-quality service and
ensuring client happiness.
Rayvat’s core values are ethics and integrity.
Jinendra Shah is an Indian businessman.
Master in Commerce
Mr. Jinendra Shah is in charge of running the
company, developing and implementing long-term
strategy, and communicating with clients, workers,
investors, and other stakeholders. He is one of Rayvat’s
founding decision- and policy-makers, establishing the
company’s ideals, ethics, and culture.
Mr. Shah represents Rayvat’s dedication to assisting
clients in achieving peak performance. He is an
experienced leader with extensive experience in
building strong client relationships, a passion for
building exceptional client teams, and a laser-like focus
on operations and execution.
Our Passion
At Rayvat Accounting, we are passionate about
providing the highest level of accounting and advisory
services to help you manage your affairs and grow your
business. We understand that all clients are different
and carefully tailor our accounting services to fit the
unique needs of each individual or business.
Our Values
We aim to engage proactively with clients and evolve
as they do by thinking ahead to anticipate their future
needs. We endeavor to build long-term relationships
with our clients assisting them throughout different
stages of their business and life events.
Innovation and Technology
In this digital age where the environment in
which we operate is constantly changing; and new
technologies are continually emerging, the team at
Rayvat Accounting is committed to staying on top of
new developments expanding our range of skills and
services as the need arises.
Website: http://www.rayvat.com
Industry: Outsourcing/Off shoring
Company size: 201-500 employees
Type: Privately Held
Founded: 2010
Source & reference: http://www.rayvat.com
37
JANUARY 2021 SwiftNLift
38. Our experience says that executing the arrangement
can be the hardest piece of the excursion. Yet, at
Nicollet Investment Management that need not be
the situation.
We value the redid arrangements we convey to all
of our customers. In any case, we can execute the
venture of your answer that truly separates us.
Numerousorganizationsofferingmonetaryguidance
come up short on the venture aptitude to carry out
your arrangement, so they use outside (outsider)
speculation directors. We don’t accept this is to your
greatest advantage for two or three reasons.
To begin with, it raises your expense; more
significant, an outsider speculation supervisor can’t
deal with your cash with regard to your guide. Their
business is to pool all resources they got and convey
a one-size-fits-all item. You get what every other
person is getting.
Toaddresstheexpenseissue,numerousorganizations
have started supporting uninvolved speculation
methodologies. This methodology will bring down
the expense of your speculation of the executives, yet
that is not the entire picture. You need to realize the
all-out cost of the assistance being given.
We contend with every one of the options accessible
to you today, yet our utilization of individual stocks
and bonds to fabricate your portfolio enables us to
alter your speculations to your guide, placing us in
another group by and large.
Dealing with your ventures begins with the work
we do to comprehend your monetary picture. That
work brings about yearly projections of the sum you
can save while you work, and afterwards what you
will require when you resign.
We bring this income data down to every individual
record you have, surveying whether to utilize IRA
Creating Customized Solutions
In The Areas Of Investments
38 JANUARY 2021 SwiftNLift
39. withdrawals, after-charge investment funds, or some
mix to support your money needs.
The guide advises us exhaustively how cash is
required from every one of your records. That data
fills the particular speculation designations we make
for you. Barely any organizations are willing, or
capable, to execute plans at this degree of detail.
In distributing your investment funds, we start by
recognizing the sum you should keep in real money.
This is now and then a choice dependent on having
a sense of safety or keeping up with some kind of
adaptability. We accept everybody should save some
measure of money as a hold for “off-financial plan”
spending choices and additionally only true serenity.
With the cash assignment set, we look next at what
you ought to designate to fixed pay protections
(bonds) that give explicit incomes to you. Fixed pay
protections pay the ordinary premium and develop
sooner or later, returning the standard worth of
your speculation.
Fixed pay protections are not dependent upon
a similar value instability you see with normal
stocks. They are ideal for subsidizing anticipated
withdrawals (per your guide) giving truly
unsurprising incomes. We utilize fixed pay
protections to finance your short-to middle term
cash withdrawals. We firmly accept that the more
long periods of expected record withdrawals you
can finance with fixed pay, the better.
When taking a gander at fixed pay protections
for you, we additionally need to choose whether
you should possess charge absolved metropolitan
securities or corporate securities. Once more, the
guide will have outlined which kinds of bonds you
should hold. Yet, to finance your retirement over the
long haul, we frequently find that you will require
your investment funds to develop.
When reasonable assignments are made to cash and
fixed pay, your leftover accessible cash can be put
resources into stocks for long haul appreciation. The
more long stretches of fixed pay you have financing
your costs, the more extended term point of view we
can take on your corporate shares.
That is by and large how to value contributing ought
to be done at any rate! With respect to the particulars
of putting resources into the financial exchange,
Nicollet Investment Management offers two centre
stock methodologies.
Sources and references: www.paytmmoney.com
39
JANUARY 2021 SwiftNLift