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<keyword id="20934456" type="General" weightage="20" keywordseo="food-safety-regulator" source="keywords">Food safety regulator</keyword> <keyword id="20225209" type="General" weightage="20" keywordseo="FSSAI" source="keywords" meta.keywordsubtype="org" meta.entityname="FSSAI" meta.hostid="153" meta.entityid="FSSAI">FSSAI</keyword> on Thursday said it is in the process of collecting pan-India samples of Nestle's Cerelac <keyword id="21363372" type="General" weightage="20" keywordseo="baby-cereals" source="keywords">baby cereals</keyword>, amid a global report that claimed the company was adding higher <keyword id="21343237" type="General" weightage="20" keywordseo="sugar-content" source="keywords">sugar content</keyword> in the product. "We are collecting samples (of Nestle's Cerelac baby cereals) from across the country. It will take 15-20 days to complete the process," Food Safety and Standards Authority (FSSAI) CEO G Kamala Vardhana Rao told PTI on the sidelines of an Assocham event on food fortification. FSSAI is a statutory body under the administration of the Ministry of Health and Family Welfare. The move comes following concerns about alleged high sugar content in Nestle's baby food products expressed by both the consumer affairs ministry and the National Commission for Protection of Child Rights (NCPCR) after taking note of a global report published by Swiss NGO Public Eye. The global report has claimed that Nestle sold baby products with higher sugar content in less developed South Asian countries including India, Africa and Latin American nations as compared to markets in Europe. However, Nestle India has maintained that it never compromises on compliance and it has reduced added sugar in baby food products in India by up to 30 per cent depending on variants over the past five years. Earlier, addressing the Assocham event, the FSSAI CEO highlighted the importance of food fortification for human health and called for fortification beyond rice to include millets and other alternative foods. FMCG firms have introduced varieties of millet-based products in the last few years and they can further expand the basket of nutritional foods in the country, he added. The CEO also unveiled an Assocham's knowledge report 'Fortifying India's Future: Significance of Food Fortification and Nutrition' on the occasion. LT Foods Global Branded Business CEO Vivek Chandra, Shariqua Yunus of World Food Programme, Fortify Health CEO Tony Senanyake and Farm to Fork Solutions CEO Umesh Kamble also spoke about food fortification. SEE ALSO:<a href="https://www.businessinsider.in/tech/news/jiocinema-introduces-new-ad-free-premium-plans-starting-at-29/articleshow/109581033.cms" target="_blank"></a> <a href="https://www.businessinsider.in/tech/news/jiocinema-introduces-new-ad-free-premium-plans-starting-at-29/articleshow/109581033.cms" target="_blank">An Ambani disruption in OTT: At just ₹1 per day, you can now enjoy ad-free content on JioCinema</a><a href="https://www.businessinsider.in/tech/mobile/news/realme-narzo-70-narzo-70x-5g-smartphones-launched-in-india-starting-at-11999/articleshow/109557895.cms" target="_blank"></a> <a href="https://www.businessinsider.in/tech/mobile/news/realme-narzo-70-narzo-70x-5g-smartphones-launched-in-india-starting-at-11999/articleshow/109557895.cms" target="_blank">Realme Narzo 70, Narzo 70X 5G smartphones launched in India starting at ₹11,999</a><a href="https://www.businessinsider.in/tech/news/apple-let-loose-event-scheduled-for-may-7-ipads-expected-to-be-launched/articleshow/109553148.cms" target="_blank"></a> <a href="https://www.businessinsider.in/tech/news/apple-let-loose-event-scheduled-for-may-7-ipads-expected-to-be-launched/articleshow/109553148.cms" target="_blank">Apple Let Loose event scheduled for May 7 – New iPad models expected to be launched</a>

FSSAI in process of collecting pan-India samples of Nestle's Cerelac baby cereals: CEO

<div type="image" title="Indians are getting fancy, and they don&amp;#39;t mind paying a little extra if it means quality and luxury. Most consumer brands are witnessing an uptick in their premium product segment" msid="115018213" hostid="261" caption="&amp;lt;p&amp;gt;Indians are getting fancy, and they don&amp;#39;t mind paying a little extra if it means quality and luxury. Most consumer brands are witnessing an uptick in their premium product segment&amp;lt;/p&amp;gt;"></div> It's time to move over from plain, vanilla budget basics! Indians are no longer looking for “best purchases and value buys under Rs 1,000”—at least not as much as before. <keyword id="19895063" type="General" weightage="20" keywordseo="india" source="keywords">India</keyword>'s getting fancy, and how! From gold-flaked chocolates to swanky SUVs that look like they’re wheeled straight out of a Bollywood blockbuster, Indian companies are rapidly jazzing up their product lines, even faster than you can say the word "premiumization." But what does this mean for Indian companies and consumers? What is this jazz about premiumization all about? Is it just urban India that’s riding this wave, or has rural India also joined the bandwagon? We decode for you. <h2>What's premium, really?</h2>Imagine you’re eating Pav Bhaji at a roadside thela. Later during the day, you decide to dine out at a fancy, upmarket cafe, only to find Pav Bhaji Fondue on the menu. Same same, but much more expensive—often 5 to 10 times higher—for a little more hygiene and some better ambience! Think of premium products as this fondue. They are a notch up your regular, daily-use products soaps or shampoos, and even cars, all packaged luxuriously, offering just about the right touch of quality. The main differentiator, though, would be the price range. <h2>Driving home premium wellness</h2>A recent report by Nielsen suggests that over 70% of urban Indians are okay with paying a premium for their products. And companies are cashing in on this sentiment like never before. This explains why 58% of new products launched so far this year have been in the premium+ segment, as opposed to just 38% of new launches in regular, traditional trade. Take cars, for instance. Indians are no longer vying for a good old <keyword id="19950117" type="General" weightage="20" keywordseo="maruti" source="keywords">Maruti</keyword> 800 or <keyword id="20400567" type="General" weightage="20" keywordseo="alto" source="keywords">Alto</keyword>, traditionally known for their healthy mileage, but are rather happy investing in more swanky features that come along with high-end cars. In October 2024, India’s largest car manufacturer, <keyword id="19909974" type="General" weightage="20" keywordseo="maruti-suzuki" source="keywords">Maruti Suzuki</keyword>, sold 65,948 units of its compact cars like Swift, WagonR, Dzire, and more. Compared to the year-ago period, which saw sales of 80,662 units, this was an 18% dip. But take a look at their SUV (sport utility vehicle) sales for the same period. Cars like Brezza, Ertiga, and Grand Vitara sold about 70,644 units, a 19% uptick from the sales made in October 2023, i.e. 59,147 units. Simply put, when it comes to cars, Indians are saying the bigger, the better! The same is true for India's second biggest automobile manufacturer, Hyundai. Its SUV lineup made up a staggering 68.2% of the firm's total sales made for October 2024. What's more, SUV demand remained largely consistent across urban and rural markets. <h2>Consumers are inching up</h2>FMCG (fast-moving consumer goods) are also riding the premiumization wave, with Indians prioritizing their health and wellness and not bothered about dishing out a few extra bucks for the same! You’ll find no dearth of words like organic, vegan, gluten-free, and sugar-free, peppered generously over every product you’ll see today, be it soaps, juices, or more. No wonder then, sales from premium segments in 2024 make up around 27% of all FMCG sales and even contribute a massive 42% to the sector’s value growth in India. Nielsen report further adds that luxury brands that position themselves at twice the price of their category’s average are even witnessing stellar growth. In fact, for most FMCG brands like Tata Consumer Products, <keyword id="20002610" type="General" weightage="20" keywordseo="hindustan-unilever" source="keywords">Hindustan Unilever</keyword> (HUL), Dabur, and Nestle, it is this premium segment that is growing much faster than their regular ones. And it's not just about daily-use products; Indians are also taking their celebrations a step over. Spirits manufacturer <keyword id="20125704" type="General" weightage="20" keywordseo="radico-khaitan" source="keywords">Radico Khaitan</keyword> highlighted that for the first half of 2024, their prestige &amp; above segment made for 88.4% of its net sales value. In the same period, the regular popular segment accounted for just 9.1% of their net sales. From Hindustan Unilever, which saw its premium products grow 30% over the last quarter, to <keyword id="20521971" type="General" weightage="20" keywordseo="kingfisher" source="keywords">Kingfisher</keyword> beer's parent company, <keyword id="20124009" type="General" weightage="20" keywordseo="united-breweries" source="keywords">United Breweries</keyword>, whose premium product sales volume jumped by 27% during the quarter as opposed to just a 5% rise in overall volumes, everyone is seemingly taking their lifestyle a notch above. Per the Nielsen report, in 2024, a typical global consumer spends about $13.7k per year. This is set to grow by around 2.4% to $14k as early as next year. Even a report by Goldman Sachs also highlighted a similar trend, noting that India’s affluent class, or those earning over $10,000 (Rs 8,42,694.97), is set to reach 100 million in the next 3 years. And where will this consumer spend? On premium products! <h2>Online shopping shifts from mass to class</h2>Amazon’s Great Indian Shopping Festival, which was live between September 27 and October 29 this year, saw 140 crore customers, more than 85% of whom came from non-metro Indian cities. On the site, there was a 400% spike in sales in premium sales across categories like watches, fragrances, handbags, jewelry, and more. Rival <keyword id="19896939" type="General" weightage="20" keywordseo="flipkart" source="keywords">Flipkart</keyword> noted a similar trend, recording 1.8x growth in premium beauty and personal care products during the first half of this year. <h2>Dialing in premiumness</h2>The Indian smartphone ecosystem has always been dominated by basic phones, or those entry- and mid-range phones that are priced between Rs 10,000 and Rs 6,000. But that has changed in recent times, with premium smartphones (i.e., those priced over Rs 60,000) registering 20%+ growth in 2024. During the first quarter of this year, sales of mass phones (priced between Rs 10,000 and 20,000) reached 44%, compared to 51% in the year-ago period. But it's all sunny and shiny in the mid-premium (priced between Rs 40,000 and Rs 60,000) and super-premium segments (priced above Rs 60,000). Sales growth has burgeoned by as much as 27% and 86% in these categories, respectively. As India continues its march toward becoming the world's third-largest economy by 2027, the premium party is just getting started. Industry experts predict that premium segments will grow faster than you can say "sustainable organic handcrafted artisanal batch of coffee." So the next time you see someone dropping serious rupees on a fancy bottle of black water that also somehow plays music and tracks their hydration (yes, that's a thing), remember: This is just the trailer. Picture abhi baaki hai, mere dost! Do you have a topic in mind you'd want a simpler explanation for, or insights or experiences to share on personal finance and more? Contact us at businessinsider@timesinternet.in.

Simply Put: From Dal to Dolce—India is loving its luxury life

FMCG major <keyword id="6356830" type="General" weightage="100" keywordseo="nestle-india" source="Orion">Nestle India</keyword> on Wednesday declared an interim dividend of Rs 27 for 2023 for the entire issued share capital. The board of the company in a meeting held on Wednesday approved "an interim dividend of Rs 27 per equity share of Rs 10 each for the year 2023 on the entire issued, subscribed and paid-up share capital of the company of 9,64,15,716 equity shares of the nominal value of Rs 10 each," the company said in a regulatory filing. <keyword id="75190" type="General" weightage="20" keywordseo="Nestle" source="Orion">Nestle</keyword> India which follows the January-December calendar year as financial year said, the interim dividend for 2023 will be paid on and from May 8, 2023, along with the final dividend for the year 2022, if approved by the members at the 64th <keyword id="50158" type="General" weightage="20" keywordseo="annual-general-meeting" source="Orion">Annual General Meeting</keyword> scheduled to be held on April 12, 2023. It has fixed April 21, 2023, as the record date to determine the eligibility of shareholders for the payment of said interim dividend. Nestle India is going to declare its results for the March quarter on April 25, 2023. On October 31, 2022, Nestle India declared a second interim dividend of Rs 120 and a final dividend of Rs 65 on Apr 21, 2022. Shares of Nestle India were trading at Rs 19,401.40 on <keyword id="35140" type="General" weightage="50" keywordseo="bse" source="Orion">BSE</keyword> in the afternoon, down 1.38 per cent from the previous close. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/thelife/personalities/news/these-people-are-being-followed-by-elon-musk-on-twitter/slidelist/99433040.cms">Narendra Modi to ex-partner Grimes: These are people Elon Musk follows on Twitter</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/policy/news/more-insurers-capital-distributors-and-healthy-competition-required-to-make-insurance-for-all-by-2047/articleshow/99431110.cms">More insurers, capital, distributors and healthy competition required to make insurance for all by 2047</a>

Nestle India declares interim dividend of 27 for 2023

Encouraged by volume growth, margin improvement and recovery in rural sales, India's top fast-moving consumer goods (FMCG) companies are now back to their normal growth cycle as they step up investments as well as spending on advertising and marketing. <keyword id="84065" type="General" weightage="20" keywordseo="fmcg-companies" source="Orion">FMCG companies</keyword> are chasing volume growth again after a gap of a few quarters, offering higher grammage and price cuts thanks to inflationary pressures softening on key raw materials for everything from soaps to food items. Hindustan Unilever (HUL), Dabur, Marico, Godrej Consumer Products, ITC, Tata Consumer Products and Nestle reported volume recovery in the March quarter and said they expect a gradual pickup in consumption in FY24. "The prospects of a sustained recovery have strengthened. After five quarters of volume decline, the sector has posted volume growth," Marico MD and CEO Saugata Gupta said in the company's earnings conference call. "Urban consumption has been steady while rural is showing some convincing signs of having bottomed out." Foods continue to drive growth for the sector, while the home and personal care segment also entered positive territory after an extended slowdown. Marico, which owns popular brands like Saffola, Parachute and Livon, reported an 18.7 per cent increase in its consolidated net profit to Rs 305 crore for the fourth quarter ended March 2023 while sales rose 3.65 per cent to Rs 2,240 crore, driven by single-digit volume growth and moderation in commodity prices. HUL said rural areas have shown improvement with higher value growth sequentially. While HUL's volumes continue to fall, the extent of decline has reduced versus last quarter. "The slowdown in the FMCG market is bottoming out. This improvement was led by volumes, which have turned flat in this quarter, versus a mid-single-digit decline in the December quarter," said HUL CFO Ritesh Tiwari in its earnings call. The makers of popular brands such as Rin, Lux, Surf Excel and Pond's said it expects the price-volume growth to rebalance further. "We expect volumes to recover gradually due to high levels of cumulative inflation and the fact that consumption habits typically recover with a lag," he said. For the March quarter, HUL reported an increase of 12.74 per cent in its consolidated net profit to Rs 2,601 crore. Net sales rose 10.83 per cent to Rs 14,926 crore. However, HUL warned the near-term operating environment is likely to remain volatile due to global slowdown risk and uncertainty related to weather phenomena like El Nino and heatwaves. Abneesh Roy, Nuvama Group Executive Director for Institutional Equities, said the outlook for the <keyword id="495979" type="General" weightage="20" keywordseo="fmcg-industry" source="Orion">FMCG industry</keyword> was "positive" with volume growth and improvement in margins for most companies in FY24. "As raw material prices are cooling off, companies shall start paring prices via grammage increase or gradual price reductions. Price growth shall ease while volume growth will improve," he said. Roy also cautioned about the impact of El Nino and the "aggression" from billionaire Mukesh Ambani-led Reliance Industries Ltd, a known disrupter, which aims to be a big player in the USD 110-billion FMCG segment. Meanwhile, Godrej Consumer reported an 11.47 per cent increase in its India revenue to Rs 1,822.92 crore in the March quarter. This was led by volume growth of 11 per cent. Its home care segment, which consists of household insecticides and air fresheners, grew 14 per cent and 17 per cent, respectively. "We expect to build on the current momentum and deliver volume-led growth along with upfront marketing investments and improvement in profitability," said its Managing Director and CEO Sudhir Sitapati. Britannia Executive Vice-Chairman and Managing Director Varun Berry also expressed optimism. "Volume growth will be certainly much better than this year," he said. On commodity prices, Berry said there is deflation in prices of palm oil, laminates and corrugated material for packing but flour and milk prices are soaring. "There are certain brands and certain packs where we have already initiated price reductions or promotions," he said. In the March quarter, Britannia reported a 47.53 per cent jump in consolidated net profit to Rs 557.60 crore. Its revenue from operations rose 10.93 per cent to Rs 3,892.02. Similarly, Dabur reported volume growth of 11 per cent during the March quarter and 14 per cent for FY23. Its quarterly net profit was Rs 292.76 crore and revenue from operations stood at Rs 2,677.8 crore. "Despite near-term concerns around inflationary pressures, we plan to accelerate the growth momentum by continuing to invest in brand building, innovation, and capabilities that will drive growth," said Dabur India CEO Mohit Malhotra. Other companies also recorded growth. ITC's revenue from the FMCG segment rose 19.34 per cent to Rs 4,951.17 crore from Rs 4,148.62 crore while EBITDA jumped 76 per cent. Nestle, the maker of Maggi, Kitkat and Nescafe, reported an increase of 24.69 per cent in its net profit to Rs 736.64 crore in the March quarter. Sales rose 20.43 per cent to Rs 4,808.40 crore. Tata Consumer reported a 21.12 per cent rise in its consolidated net profit to Rs 289.56 crore. Its revenue from operations was up 13.96 per cent at Rs 3,618.73 crore. Tata Consumer said it recorded growth in the India beverages business and food. It had a "strong margin growth and strong topline growth driven both by volume and price," the company said in its earnings call. "We have started seeing volume growth coming back. The impact of inflation and monetary tightening on economic growth and demand seems to be slowing down, but I would keep my fingers crossed and monitor it closely," said Tata Consumer MD and CEO Sunil D'Souza. "In the near term, we are seeing stability." SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/corporates/news/zomato-net-loss-narrows-to-188-crore-in-q4-revenue-rises-70-yoy/articleshow/100358894.cms">Zomato net loss narrows to ₹188 crore in Q4, revenue rises 70% YoY</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/mankind-pharma-pnb-among-stocks-to-become-largecap-from-midcap-mutibagger-rail-vikas-nigam-to-turn-midcap-from-smallcap/articleshow/100356527.cms">Mankind Pharma, PNB among stocks to become largecap from midcap; mutibagger Rail Vikas Nigam to turn midcap from smallcap</a>

FMCG makers expect sustained recovery in volume and margins with price reduction in FY24

Alarmed at the rising pesky mobile calls and text messages by telemarketers, the <keyword id="30356" type="General" weightage="80" keywordseo="telecom-regulatory-authority-of-india" source="Orion">Telecom Regulatory Authority of India</keyword> (TRAI) on Thursday directed all telecom service providers to reverify registered headers and message templates on distributed ledger technologies (<keyword id="4388846" type="General" weightage="80" keywordseo="dlt" source="Orion">DLT</keyword>) platform and block all unverified headers and message templates within 30 and 60 days, respectively. In a new directive, the telecom regulator said that the mobile operators need to ensure that temporary headers are deactivated immediately after the time duration for which such headers were created. TRAI issued new directions to providers to stop the misuse of headers and message templates and curb unauthorised promotions using telecom resources. The telecom regulator told the mobile operators to remove confusion among recipients of messages and prevent their misuse and no look-alike headers (headers which are similar by virtue of a combination of small case or large case letters) are to be registered by <keyword id="16550150" type="General" weightage="50" keywordseo="access-providers" source="Orion">access providers</keyword> in names of different principal entities. "Access providers have been directed to bar all telemarketers, who are not registered on the DLT platform from handling the message template scrubbing and delivery of messages to recipients through Access Providers' network," read the TRAI note. It directed mobile operators to take action against erring telemarketers as per the provisions of the regulations and also initiate actions as per relevant legal laws. All the telecom service providers have been directed to comply with the above directions within 30 days. Earlier this week, a survey revealed that two in three Indians get three or more pesky calls every day and 50 per cent of them said such calls originate from the personal number of people. According to <keyword id="6379818" type="General" weightage="80" keywordseo="localcircles" source="Orion">LocalCircles</keyword> which conducted the survey, 45 per cent of people get on average 3-5 pesky calls each day while 16 per cent claimed to get 6-10 such calls per day. Around 60 per cent received most calls related to "selling financial services", 18 per cent got most calls related to "selling real estate" while 10 per cent received most calls "offering a job/earnings opportunity." TRAI has called a meeting with mobile phone operators on February 17 to discuss the quality of wireline and wireless services. The meeting will discuss potential "measures and action plan to improve the quality of service (QoS), review the current QoS standards, QoS for 5G services, and unsolicited commercial communications". TRAI in 2022 had released a consultation paper on the mandatory implementation of Calling Name Presentation (CNAP) in telecommunication networks which are designed to display the name of the caller (even if the receiver has not saved the same on their device/SIM) on the receiver's screen when the call connects. However, complaints from consumers continued to rise and unsolicited communications is something people have been regularly discussing about, according to LocalCircles. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/tech/mobile/news/iqoo-neo-7-vs-oneplus-11r-mobile-phone-comparison-of-price-specification-and-features/slidelist/97973677.cms">iQOO Neo 7 vs OnePlus 11R – price, specs and features compared</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/corporates/news/maggi-kitkat-maker-nestle-india-reports-highest-domestic-growth-in-a-decade-in-fy22/articleshow/97974283.cms">Maggi &amp; KitKat maker Nestle India reports highest domestic growth in a decade in FY22</a>

Block pesky calls and texts from telemarketers, TRAI tells telecos

Coffee brand <keyword id="735213" type="General" weightage="20" keywordseo="nescafe" source="Orion">Nescafe</keyword> has launched a new campaign urging India’s youth to fuel up their dreams with 'Badal life ki raftaar' (change the pace of life) campaign. Reconnecting with coffee lovers across the country, the campaign aims to motivate the youth to push their limits, surpass challenges and achieve their dreams without compromising on the journey. <div type="Youtube" id="-Fo-Ge4afDg" title="#BadalLifeKiRaftaar with NESCAFÉ" thumbUrl="https://i.ytimg.com/vi/-Fo-Ge4afDg/mqdefault.jpg"></div> Commenting on the campaign <keyword id="9708710" type="General" weightage="20" keywordseo="sunayan-mitra" source="Orion">Sunayan Mitra</keyword>, Head – Coffee &amp; Beverages, Nestlé India said, “With hard work, determination and resilience, one can achieve unimaginable heights and NESCAFÉ has always been a purposeful ally that inspires youth in their journey. Through this campaign, we want to urge the youth of our country to continue to dream big, equip themselves with relevant tools to succeed, and then realise the dream through hardwork and persistence. The sky is the limit as the youth changes the pace in their lives as they move into college and the workplace, kickstart new goals and keep on moving ahead with resolve, optimism and positive actions.” <keyword id="160531" type="General" weightage="20" keywordseo="ashish-chakravarty" source="Orion">Ashish Chakravarty</keyword>, Executive Director &amp; Head of Creative, <keyword id="2883910" type="General" weightage="20" keywordseo="mccann-india" source="Orion">McCann India</keyword> said “Youngsters, when they move on to a new phase in life, like from school to college, often want to do more on their own, make more use of their newfound freedom, and spread their wings. Parents naturally approach such situations from a protective mindset, despite knowing that it’s time to let go. This gets even more interesting when it’s a father-daughter relationship. This film uses the nuances of this unique relationship to bring in NESCAFÉ as a life lesson given by the father to the daughter at this crucial juncture in her life, positioning it as her step-up fuel to Badal Life Ki Raftaar. It was important to keep the storytelling authentic, which reflected in our choice of casting and dialogues that made this story come alive in a most natural and memorable manner.” The latest TVC highlights a touching story of a father-daughter duo, where the young girl aims to dream big, understanding the compromises she would have to make enroute this journey. It’s when she receives her father’s support, her dreams and passion get a new meaning.

You Searched For "Nestle India" and got 6 results

FSSAI in process of collecting pan-India samples of Nestle's Cerelac baby cereals: CEO

PTI

Simply Put: From Dal to Dolce—India is loving its luxury life

Ira Alok Puranik

Nestle India declares interim dividend of 27 for 2023

PTI

FMCG makers expect sustained recovery in volume and margins with price reduction in FY24

PTI

Block pesky calls and texts from telemarketers, TRAI tells telecos

IANS

Nescafe launches a campaign to motivate the youth to push their limits, surpass challenges and achieve their dreams

BI India Partner

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