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Amid the brouhaha over moonlighting in India, Cloud Major <keyword id="10875" type="General" weightage="100" keywordseo="ibm" source="Orion">IBM</keyword> on Wednesday made it clear that the practice is not ethical and the company does not promote such behaviour at workplace. <keyword id="1342992" type="General" weightage="50" keywordseo="sandip-patel" source="Orion">Sandip Patel</keyword>, Managing Director, IBM India, said that the company's position is exactly that of the overall industry in the country. "All of our workers when they are employed, they sign an agreement which says that they are going to be working full-time for IBM. So moonlighting is not ethically right for them to get into," he told reporters here. "That's our position now and you've already heard the industry position," he added. Moonlighting allows employees to work outside their primary working hours. Some startups and unicorns like <keyword id="6358977" type="General" weightage="50" keywordseo="swiggy" source="Orion">Swiggy</keyword> have encouraged the practice, while most of the traditional companies are calling it cheating. <keyword id="6354512" type="General" weightage="50" keywordseo="infosys" source="Orion">Infosys</keyword> has warned employees against moonlighting, saying that involvement in such practice can result in "disciplinary action including termination of employment". "No two-timing, no moonlighting", the company said in an internal memo, adding that it "strictly discourages dual employment". Wipro Chairman <keyword id="6419840" type="General" weightage="50" keywordseo="azim-premji" source="Orion">Azim Premji</keyword> recently said that the concept of a second job in addition to the regular job is "plain and simple" cheating. "There is a lot of chatter about people moonlighting in the tech industry. This is cheating -- plain and simple," he emphasised. SEE ALSO : <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/startups/news/video-ai-startup-awiros-raises-7-million-in-series-a-funding/articleshow/94199580.cms">Video AI startup Awiros raises $7 million in Series A funding</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/sustainability/news/flood-like-a-situation-highlights-how-cities-must-adapt-to-climate-change/articleshow/94199419.cms">Flood-like a situation highlights how cities must adapt to climate change</a>

Moonlighting not ethically right for full-time employees: IBM

<div class="image-container float_right" style="width:400px"><div class="image"></div><a href="&lt;a href="></a>"&gt;<a href="http://www.flickr.com/photos/egarc2/2437521787/">egarc2</a>When it comes to <keyword id="6362513" type="ORGANIZATION" weightage="60" keywordseo="Startups">startups</keyword>, there's "a lot of blood in the water."</div>
Lately, a lot of startups have closed their doors because <a href="http://www.businessinsider.com/startup-cash-crunch-2012-11">they've run out of cash.</a> Investors are less willing to give them money now than they were one year ago, thanks in part to Facebook's disappointing IPO. This inability to raise millions of dollars needed to take a startup from an idea to a growing venture is known as the <a href="http://www.businessinsider.com/what-down-rounds-do-to-startups-2013-2">Series A Crunch.</a><a href="http://www.businessinsider.com/what-down-rounds-do-to-startups-2013-2"> </a>
How bad has the <keyword id="919124" type="UNKNOWN" weightage="60" keywordseo="Series-A">Series A</keyword> Crunch gotten? 
Awful, one New York investor told us.
"Pretty much every seed investment in the past two years that you haven't heard about recently is shutting down," this person said. "There's a lot of blood in the water."
Among the dead: <a href="http://www.businessinsider.com/startup-turf-geography-club-shuts-down-2013-2">check-in startup Turf</a>, cubicle sharing startup Loosecubes, and <a href="http://www.businessinsider.com/after-10-months-a-boatload-of-press-and-a-ceos-departure-apparel-startup-quincy-shuts-down-2013-1">apparel company Quincy</a>. One investor even <a href="http://www.businessinsider.com/so-many-startups-are-failing-a-venture-capitalist-created-a-startup-to-help-them-die-a-better-death-2013-3">created a company that helps startups find acquirers</a> so they can die a less painful death, gainfully employed.
Still, the New York investor's perspective was shocking, so we asked a bunch of other VCs for their thoughts. Most felt the statement was too dramatic, but admitted there was some truth to it.
"I'd say that is a generalization, but for consumer facing stuff, that's probably accurate," a New York investor tells us. "For B2B etc, probably not."
"We haven't seen that yet," said another east coast VC. "There is no question a bunch of companies out there raising though. Great companies are still getting funded."
And another: "Not sure I agree with that. I think it's a natural cycle for startups."
Another concurred. "I think it is tough everywhere. I think the pendulum of VC interests is swinging (as always)."
A California investor strongly disagreed: "Here's a list of my investments over the last 24 months: four have sold (granted not all in amazing deals), one shut down, and most of these have raised significant <keyword id="6357455" type="EVENT" weightage="60" keywordseo="Funding">funding</keyword> after their seed, have grown incredibly, or are currently raising an A or B round. Of course, some are not doing as well as planned, but the generalization above is ridiculous."
Bottom line? Yes, it's hard to be a startup right now. But for companies that deserve the extra cash, it's not horrible. Investors agree: if you're building a promising business, the money will still come.

VC: 'Pretty Much Every Seed Stage Startup You Haven't Heard About Recently Is Shutting Down'

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">APMarc Andreessen, A16Z Partner and Netscape founder.</div></div></div><keyword id="508487" type="PERSON" weightage="60" keywordseo="Andreessen-Horowitz">Andreessen Horowitz</keyword>, commonly referred to as A16Z, is a 4-year-old venture capital firm that exploded on the scene with investments in <keyword id="6362513" type="ORGANIZATION" weightage="60" keywordseo="Startups">startups</keyword> like Pinterest, Github and Twitter.
While it's happy to dump tens - or even hundreds - of millions into later stage companies, it by and large avoids making <keyword id="919124" type="UNKNOWN" weightage="60" keywordseo="Series-A">Series A</keyword> investments in consumer startups.
Series A investments are typically raised to help startups scale from the idea stage to the money-making stage. It's often the second batch of money an entrepreneur raises, following a "seed" round, which helps a startup idea get off the ground and prove its concept.
One of <a href="http://blogs.wsj.com/digits/2013/10/10/weary-of-fruit-fly-consumer-startups-andreessen-horowitz-raises-series-a-bar/">A16Z's partners Scott Weiss told the Wall Street Journal</a> that as a matter of principle, his firm tries to stay away from Series A investments in consumer startups. It has found that too many companies are unproven at that stage, and they raise millions of dollars only to later "pivot" - change ideas - or fail.
It's true that A16Z has paid big bucks to get into later stage companies. It invested in Foursquare, Lyft, Pinterest and Fab's Series B rounds. But occasionally the firm makes exceptions.
It put <a href="http://www.businessweek.com/articles/2013-06-20/github-got-silly-rich-dot-next-step-make-more-awesome">$100 million into GitHub's Series A round</a>, for example, however the company was already making a lot of money by that time. It's also an enterprise company, not a consumer company. In addition, A16Z invested <a href="http://techcrunch.com/2012/10/03/rap-genius-andreessen-horowitz/">$15 million in Rap Genius' "venture" round</a> (essentially a Series A), but the lyric analysis company already had a lot of traffic and users. The firm has made five Series A investments this year, WSJ reports. Last year it made nine.
While A16Z stays away from Series A rounds, it will take a chance on even earlier consumer startups and put money into seed stages. The firm has a relationship with startup accelerator Y Combinator. It also recently invested in a startup that hasn't launched yet, Clinkle. <a href="http://www.businessinsider.com/lucas-duplan-raises-25-million-seed-round-for-clinkle-2013-6">Clinkle is a payment startup that raised a $25 million seed round</a>. There were a lot of investors in the round though, so A16Z didn't have to forfeit a ton of money to participate.
A16Z's Weiss likened consumer startups in the Series A stage to "fruit fly experiments," of which his firm doesn't want to partake. But enterprise companies are a whole different game. "There isn't a better time to be an enterprise investor," he said.

If You're A Consumer Startup, Don't Bother Asking Andreessen Horowitz For Series A Money

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">APMarc Andreessen, A16Z Partner and Netscape founder.</div></div></div><keyword id="508487" type="PERSON" weightage="60" keywordseo="Andreessen-Horowitz">Andreessen Horowitz</keyword>, commonly referred to as A16Z, is a 4-year-old venture capital firm that exploded on the scene with investments in <keyword id="6362513" type="ORGANIZATION" weightage="60" keywordseo="Startups">startups</keyword> like Pinterest, Github and Twitter.
While it's happy to dump tens - or even hundreds - of millions into later stage companies, it by and large avoids making <keyword id="919124" type="UNKNOWN" weightage="60" keywordseo="Series-A">Series A</keyword> investments in consumer startups.
Series A investments are typically raised to help startups scale from the idea stage to the money-making stage. It's often the second batch of money an entrepreneur raises, following a "seed" round, which helps a startup idea get off the ground.
One of <a href="http://blogs.wsj.com/digits/2013/10/10/weary-of-fruit-fly-consumer-startups-andreessen-horowitz-raises-series-a-bar/">A16Z's partners Scott Weiss told the Wall Street Journal</a> that as a matter of principle, his firm tries to stay away from Series A investments in consumer startups. It has found that too many companies are unproven at that stage, and they raise millions of dollars only to later "pivot" - change ideas - or fail.
It's true that A16Z has paid big bucks to get into later stage companies. It invested in Foursquare, Lyft, Pinterest and Fab's Series B rounds. But occasionally the firm makes exceptions.
It put <a href="http://www.businessweek.com/articles/2013-06-20/github-got-silly-rich-dot-next-step-make-more-awesome">$100 million into GitHub's Series A round</a>, for example, however the company was already making a lot of money by that time. It's also an enterprise company, not a consumer company. In addition, A16Z invested <a href="http://techcrunch.com/2012/10/03/rap-genius-andreessen-horowitz/">$15 million in Rap Genius' "venture" round</a> (essentially a Series A), but the lyric analysis company already had a lot of traffic and users. The firm has made five Series A investments this year, WSJ reports. Last year it made nine.
While A16Z stays away from Series A rounds, it will take a chance on even earlier consumer startups and put money into seed stages. The firm has a relationship with startup accelerator Y Combinator. It also recently invested in a startup that hasn't launched yet, Clinkle. <a href="http://www.businessinsider.com/lucas-duplan-raises-25-million-seed-round-for-clinkle-2013-6">Clinkle is a payment startup that raised a $25 million seed round</a>. There were a lot of investors in the round though, so A16Z didn't have to forfeit a ton of money to participate.
A16Z's Weiss likened consumer startups in the Series A stage to "fruit fly experiments," of which his firm doesn't want to partake. But enterprise companies are a whole different game. "There isn't a better time to be an enterprise investor," he said.

In essence, mutual fund investing is about trusting your money to a professional <keyword id="135622" type="POSITION" weightage="80" keywordseo="investment-manager">investment manager</keyword> and letting them take investment decisions for you. You take a high-level decision to invest through <keyword id="6357979" type="ORGANIZATION" weightage="80" keywordseo="mutual-funds">mutual funds</keyword> and then let the professionals take over from there. 
 
The investment manager collects a pool of money from a large number of investors and makes the day-to-day decisions to invest it in a portfolio of securities or other assets. These could be <keyword id="6354298" type="ORGANIZATION" weightage="80" keywordseo="stocks">stocks</keyword>, bonds, gold, real estate, or some other securities. Each investor in the fund gets a share of the total assets. 
 Then you only need to monitor if the <keyword id="109711" type="POSITION" weightage="80" keywordseo="Fund-manager">fund manager</keyword> is doing a good job for you. If not, fire them by taking your money out. 
<h2>
	How it works in practice is as follows:</h2>
 
 A reputed financial service company with a track record of managing <keyword id="6362476" type="ORGANIZATION" weightage="80" keywordseo="investments">investments</keyword> sets up what is called an Asset Management Company (Also referred to as an <keyword id="6358378" type="CITY" weightage="80" keywordseo="AMC">AMC</keyword>, mutual fund company, or fund house). Not everyone can set up an AMC. They have to get a license from <keyword id="35210" type="ORGANIZATION" weightage="80" keywordseo="sebi">SEBI</keyword> (the regulator that governs mutual funds in India) by demonstrating a track record and solid financial standing. 
 
After getting a license, the AMC decides what kind of mutual fund they want to offer. They can offer just one or many options. Each is called a Mutual Fund Scheme (commonly shortened to scheme, mutual fund or just fund). They will also appoint one or more named individuals to act as the fund manager for that scheme. While offering the Scheme, the AMC clearly defines the investment objective and the mode of operation of the scheme in a set of Offer Documents the format of which has been specified by the regulator. This ensures that the public investor knows exactly how their money is going to be invested. 
 
Let’s say the fund house offers two schemes: 
 
Scheme 1: invests in stocks 
 
Scheme 2 invests in bonds. 
 
As an investor, you can choose to invest in whichever one suits your purpose. Like you, thousands of investors will ‘subscribe to’ or ‘buy’ that scheme. The money so collected is the pool of money or ‘corpus’ available for the fund manager. He or she will then take the decisions about which specific stocks to invest that money in. 
 
The total corpus of the mutual fund scheme is sub-divided into units (or shares), which the investors buy. To begin with the corpus is divided into units of Rs 10. 
 
As the value of the investments made by the mutual fund changes, the value of the units changes as well. This is called the NAV (Net Asset Value) of the unit. It’s calculated by dividing the total value of the net assets of the fund by the number of units. This is published daily so you know how your money is doing. You also get periodic statements with information about your holdings. 
 
The AMC does not do all this for free. They charge a fee for managing the money. In addition there are other costs such as brokerage fees, costs of publishing statements etc. These need to be borne by the investors and are deducted from the corpus periodically. These are called Expenses of the fund and the ratio of expenses to the total money managed by the fund is called Expense Ratio. To protect investors, the regulator SEBI has specified the maximum expense ratio that can be charged. Most fund houses manage to control costs and keep the expenses below the maximum cap. 
 
That was probably a lot of new stuff to learn in one go. But now you can hold your own when your advisor throws these terms at you: 
<ul>
	<li>
		Asset Management Company (AMC, Mutual Fund Company or Fund House)</li>
	<li>
		SEBI (Securities &amp; Exchange Board of India)</li>
	<li>
		Mutual Fund Scheme (Scheme, mutual fund or fund)</li>
	<li>
		Offer Documents</li>
	<li>
		Units or shares</li>
	<li>
		NAV (Net Asset Value)</li>
	<li>
		Expenses, Expense Ratio</li>
</ul>
The next Lesson in this series will be: Why should you consider investing in mutual funds? If you would like to learn more, stay tuned! 
 
(About the author: This article has been contributed by Sanjiv Singhal, CEO, <a href="http://scripbox.com/" target="_blank">scripbox.com</a>.)

Investment
series part 1: What is a mutual fund?

<div class="image-container float_right" style="width:400px"><div class="image"></div>Michael Tseng founded Turf</div>The <keyword id="919124" type="UNKNOWN" weightage="60" keywordseo="Series-A">Series A</keyword> crunch has claimed another startup.
After a year in stealth mode, a successful Kickstarter campaign, and a $600,000 seed round, Turf Geography Club has died. Its founder Michael Tseng is now working on his next venture. 
The <a href="http://www.businessinsider.com/startup-cash-crunch-2012-11">Series A Crunch</a> is the idea that <keyword id="6362513" type="ORGANIZATION" weightage="60" keywordseo="Startups">startups</keyword> are running out of cash, and investors are hesitating to give them a few million more to see if their businesses have legs. 
As investor <a href="http://www.avc.com/a_vc/2013/01/in-between-the-tough-place-to-be.html">Fred Wilson recently wrote</a>, "There are plenty of us who fund hopes and dreams. And plenty of us willing to fund true success. At the stage where you are past hopes and dreams, where you have customers, revenue, and a real business, but have not yet reached "true success", there just aren't many investors to choose from."
<a href="http://www.businessinsider.com/after-10-months-a-boatload-of-press-and-a-ceos-departure-apparel-startup-quincy-shuts-down-2013-1">Apparel company Quincy</a> and office-sharing startup Loosecubes were both killed by the cash crunch.
Turf was a more gamified version of Foursquare, where players could check into local venues via mobile devices and "take over" buildings in their neighborhoods. It meshed Sim City with Foursquare check-ins and awarded trophies and coins like Mario Brothers. Turf was one of the first successfully-funded Kickstarter campaigns back in April 2011. Tseng spent the next year perfecting the product and its launch seemed successful. Its users checked in more than <a href="http://www.businessinsider.com/turf-hits-100000-check-ins-in-4-days-2012-8">100,000 times in the first few days</a>.
But when you put so much time and energy into a product before releasing it into the wild, it can be a hindrance. Tseng labored over the app for more than a year before releasing it to beta testers. "Games are hard to predict. And when you try to do a lot before you release a product, it can be hard to pivot later," one person said of Turf's decision to shut down. The company hasn't responded to a request for comment. 
Here's the <a href="https://www.facebook.com/TurfGeographyClub/posts/536227459743375">Facebook message Turf posted on Friday:</a>
Good evening Geographers. We have some bittersweet news. We have decided, after much deliberation, to stop working on Turf. It's been a labor of love for the last two years and definitely not something that we can easily part with. However, we figure that there are newer flashier things to spend our time building. Things which we've begun to design and code. Turf was a fun foray into gaming that we have learned so much from. This is by no means our final adventure. 
To everyone who supported us from the start we are sad to say goodbye. To those who joined us later we must bid you adieu as well... for now. We plan to announce some more exciting projects in the future and will have a new site up with info on how you might get involved.
Also I still have to ship out all of this Turf Swag which will no doubt be worth more now that our game is soon to be a fond memory. I will be getting to that now that I have a bit more free time.
We will be keeping the servers running for another two weeks. Until next time, keep exploring.
Michael Tseng
Chief Geographer

The Series A Crunch Has Claimed Another Startup

<table class="image-container float_right" width="200"><tr><td><div class="image"></div><a href="http://www.youtube.com/watch?v=7ZKzzVstfC8">Slate News Channel</a></td></tr></table>No entrepreneur ever wants to admit <keyword id="52204" type="PERSON" weightage="60" keywordseo="failure">failure</keyword>.
But there is a worse fate: running a startup that's become a zombie.
Referly cofounder and CEO Danielle Morrill <a href="http://www.daniellemorrill.com/2013/03/zombie-startups/">writes on her blog</a> that she decided to change the course of her company after <a href="http://www.daniellemorrill.com/2013/03/zombie-startups/">realizing it had become an undead startup</a>. 
Referly was designed to help anyone earn money for driving product purchases. People would get paid to write articles and include product links in the content. But Referly's most important metric, revenue, wasn't growing at a promising rate, Morrill says. It effectively started to fall into the zombie trap.
She compares the idea of a zombie startup to the movie "The Sixth Sense." 
"Kind of like in the 6th Sense when Bruce Willis doesn’t realize he is dead and tries to have a nice dinner with his wife, there are <keyword id="6362513" type="ORGANIZATION" weightage="60" keywordseo="Startups">startups</keyword> out there who are still “operating” but might as well not be," Morrill writes.
It's only been six months since Referly debuted at Y Combinator's spring 2012 demo day, but Morrill is willing to admit that it died. 
"It's not the kind of dead where the website goes dark and everyone gets jobs elsewhere," Morrill writes. "But the idea that we started with turned out to be the wrong one, so we killed it and yesterday I acknowledged publicly to ourselves and everyone else that we have to change our course." 
After going through this experience herself, Morrill left some tips for entrepreneurs to help them determine if their startup is turning into a zombie.
Here are few hints, in Morrill's words:
<ul>
<li>You don't want to get out of bed in the morning.</li>
<li>You haven't hit 10% week-over-week growth on any meaningful metric (revenue, active users, etc).</li>
<li>You're working on the same idea after 12+ months and still haven't launched.</li>
<li>You've hired consultants to figure out revenue, culture, or product in a company of less than 10 people.</li>
<li>You've launched a consumer service and have less than 2% week-over-week growth in signups</li>
</ul>

Startup CEO: It's Time For Me To Admit That My Startup Is A Zombie

<div class="KonaFilter image-container float_right"><div class="image on-image">EverpixEverpix on iPad</div></div>A common notion in <keyword id="6357722" type="COMPANY" weightage="60" keywordseo="silicon-valley">Silicon Valley</keyword> is that great products win.
But in actuality, that idea is quite lofty. Photo storage startup Everpix is the perfect case in point. 
Everpix, a San Francisco-based startup, launched its cloud-based photo storage and sharing platform back at TechCrunch Disrupt in 2011. Just yesterday, <a href="http://blog.everpix.com/post/66102960115/we-gave-it-our-all" target="_blank">Everpix announced it would be shut down effective Dec. 15, 2013</a>.
Everpix didn't have a large user base, by any means. It only had 55,000 users, and just 6,800 of them paid to use the service. But those who did use the product loved it and were extremely loyal, <a href="http://www.theverge.com/2013/11/5/5039216/everpix-life-and-death-inside-the-worlds-best-photo-startup" target="_blank">Index Ventures Partner Neil Rimer told The Verge</a>. 
Everpix had previously raised $1.8 million from investors including Index Ventures and 500 <keyword id="6362513" type="ORGANIZATION" weightage="60" keywordseo="Startups">Startups</keyword>. What ultimately killed Everpix was the funding crunch, <a href="http://andrewchen.co/2013/11/05/when-a-great-product-hits-the-funding-crunch/#" target="_blank">startup advisor Andrew Chen recently wrote on his blog</a>. 
"The Everpix story is a common one these days," Chen writes. "A lot of startups have built great initial products, and even shown some strong engagement, but ultimately not enough traction to gain a <keyword id="919124" type="UNKNOWN" weightage="60" keywordseo="Series-A">Series A</keyword>."

This Startup Is Proof That You Need More Than A Great Idea To Win In Silicon Valley

<table class="image-container float_right" width="200"><tr><td><div class="image"></div><a href="http://www.flickr.com/photos/baratunde/4879330371/in/faves-62825249@N08/">Baratunde Thurston/Flickr</a></td></tr></table>Many <keyword id="6362513" type="ORGANIZATION" weightage="60" keywordseo="Startups">startups</keyword> that were able to raise a seed round are <a href="http://www.businessinsider.com/startup-cash-crunch-2012-11">running out of cash</a> because of the <keyword id="919124" type="UNKNOWN" weightage="60" keywordseo="Series-A">Series A</keyword> crunch.
Even though quitting is never an ideal situation, serial entrepreneur and investor Howard A. Tullman <a href="http://www.inc.com/howard-tullman/when-enough-is-enough.html">recently wrote on Inc</a> that entrepreneurs need to know when enough is enough. 
"Sometimes you need to be smart enough to figure out how to quit when you're ahead--even if you're actually way behind," he writes.
Tullman says that there's no simple answer for determining when it's time to throw in the towel, but he follows what he calls The Rule of 3 Ds and 3 Fs.
"There are some things you've got to Do, Determine and Discuss," Tullman writes. "The Fs are Facts, Feelings, and Family."
<ul>
<li>The most important thing you have to do is face the facts. </li>
<li>You then need to determine how you feel about the situation. For example, if you frequently don't feel appreciated, it's time to go.</li>
<li>Discuss your situation with your family because running a business can be just as hard on them as it is on you. </li>
</ul>
<div>"When things are really rotten and we have no place else to turn, sadly, we often don't turn to our families - we turn on them," Tullman writes. "[...] This is often the most real and devastating damage caused by a failing business. It's the most critical reason to get out when the time is right and to not prolong the agony."</div>

Startups Are Running Out Of Cash, And Founders Need To Know When To Quit

<ul><li>Indian health startup cure.fit has raised $120 million in a series D round. </li><li>In May, Business Insider reported that cure.fit had raised $75 million in the first tranche of the round. </li><li>Cure.fit now plans to take up its centres from 180 to 800 in India and Dubai.</li></ul>Indian health and fitness startup cure.fit has raised $120 million in a Series D round of funding. In May 2019, a paper.vc <a href="https://www.businessinsider.in/curefit-raises-75-million-from-anand-piramal-accel-partners-and-others/articleshow/69215063.cms">report </a>said that the startup raised $75 million in the first tranche of the series D round. <keyword id="3465872" type="PERSON" weightage="20" keywordseo="curefit">Curefit</keyword> was founded in 2016 by Myntra co-founder <keyword id="705865" type="PERSON" weightage="20" keywordseo="Mukesh-Bansal">Mukesh Bansal</keyword> and former Flipkart Chief Business Officer Ankit Nagori. It has fitness centres under the Cultfit brand and a health app called Curefit. It also has diagnostic centres called Carefit and yoga and meditation centres called mindfit. "Leveraging deep tech and strong on-ground network, we aspire to service over 100 million consumers over the next 10 years," said Bansal. In three years, the startup registered 4 lakh users for curefit, with 180 centres across Bengaluru, Delhi NCR, Mumbai and Hyderabad. All these provide an annual revenue of $100 million. The company now plans to grow to 800 centres by 2020. The startup has also expanded its operations to Dubai. This recent round was led by Chiratae Ventures, Accel Partners, Kalaari Capital &amp; Oaktree Capital, while new investors like Epiq Capital, Unilever Ventures, Innoven Capital and Kotak Mahindra Bank too chipped in. Curefit’s <a href="https://www.livemint.com/companies/start-ups/curefit-raises-75-million-valuation-crosses-500-million-1557206291458.html">reported</a> valuation is pegged at $500 million, after the latest fundraising. Earlier, the startup also raised funding from Bollywood actor Hrithik Roshan, who is also the brand ambassador since 2017. Roshan had <a href="https://inc42.com/buzz/hrithik-roshan-pours-in-878-2k-in-fitness-startup-cure-fit/">reportedly </a>invested $14.63 million into the startup. See Also: <a href="https://www.businessinsider.in/curefit-raises-75-million-from-anand-piramal-accel-partners-and-others/articleshow/69215063.cms">Three-year old Curefit clocks in $100 mn in revenue and over $245 mn in total funding</a>

Cure.fit raises $120 million in a series D round of funding

<ul><li>The <keyword id="8076702" type="UNKNOWN" weightage="20" keywordseo="Samsung-Galaxy-A20s">Samsung Galaxy A20s</keyword> has been priced at Rs 11,999 for the 3GB RAM variant and Rs 13,999 for the 4GB RAM variant. </li><li>The phone has a its triple camera setup and the 4,000mAh battery with 15W fast charge support. </li><li>The <keyword id="8079879" type="UNKNOWN" weightage="20" keywordseo="galaxy-a20s">Galaxy A20s</keyword> is a budget smartphone which runs on Android 9.0 Pie. </li></ul> Samsung announced the launch of its latest budget device in its A series, dubbed the Galaxy A20s. The device is a refreshed version of the Galaxy A20 and was announced in Malaysia last month. Samsung had earlier launched the <a href="https://in.pcmag.com/mobile/132559/samsung-galaxy-a50s-galaxy-a30s-with-super-amoled-displays-triple-cameras-launched-in-india">Galaxy A50s, Galaxy A30s</a> and the <a href="https://in.pcmag.com/mobile/132246/samsung-galaxy-a10s-launched-in-india-with-dual-cameras-4000mah-battery">Galaxy A10s</a> in India. The Galaxy A20s is a budget smartphone and features a 3D plastic back with a gradient finish. The highlight of the device is its triple camera setup and the 4,000mAh battery with 15W fast charge support. Samsung Galaxy A20s price and availability The Samsung Galaxy A20s has been priced at Rs 11,999 for the 3GB RAM variant and Rs 13,999 for the 4GB RAM variant. It is available in Black, Blue and Green color options from Samsung online store, leading e-commerce portals and retail stores across the country. Samsung Galaxy A20s specifications The Galaxy A20s is a budget smartphone which is evident from its specifications. It runs on Android 9.0 Pie with Samsung One UI on top and sports a 6.5-inch HD+ resolution IPS LCD display with an Infinity-V notch. In contrast, the Galaxy A20 has a Super AMOLED display. The Samsung Galaxy A20s is powered by the octa-core Qualcomm Snapdragon 450 chipset which is coupled with Adreno 506 GPU. In terms of memory, it has been launched in two variants - 3GB RAM + 32GB internal storage and 4GB RAM + 64GB internal storage. It has a dedicated microSD card slot which can be used to expand the internal storage up to 1TB. On the back, the Samsung Galaxy A20s has a triple camera setup that includes a 13-megapixel primary camera with PDAF, an 8-megapixel ultrawide angle snapper and a 5-megapixel depth sensor. On the front, there is an 8-megapixel snapper housed in the Infinity-V notch. Apart from that, the Samsung Galaxy A20s includes a rear-mounted fingerprint sensor and supports dual 4G VoLTE, Wi-Fi b/g/n, Wi-Fi Direct, Bluetooth 4.2, GPS and a microUSB port. It is powered by a 4,000mAh battery and supports 15W fast charging.

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