Report on

Funding SMEs - Unlocking the Growth Potential Date: 27 March, 2014 Venue: Hotel Pride, Ahmedabad, Gujarat Organized by Supported by

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Table of Contents

Introduction: ........................................................................................................................................... 3

Background: ............................................................................................................................................ 3

Inaugural Session: ................................................................................................................................... 5

Session Details ........................................................................................................................................ 6

Welcome Address by Ms. Bhagyesh Soneji, Chairperson- ASSOCHAM Gujarat Council .................... 6

Keynote Address by Shri D. J. Pandian, IAS, Addl. Chief Secretary, Industries and Mines, Energy and

Petrochemicals, Government of Gujarat. ........................................................................................... 7

Release of research report and launching of L&T Finance Wealth Management, Gujarat Chapter: . 8

Shri Ved Prakash Chaturvedi Director, L & T Capital Markets Ltd ...................................................... 8

Vote of Thanks by Shri Jay Ruparel, Co-chairperson, ASSOCHAM Gujarat Council. ......................... 11

Technical Session: ................................................................................................................................. 12

Mr. K. C. Bhanoo, General Manager, SIDBI, Ahmedabad ................................................................. 13

Mr. Gaurav Varshney, Asst Vice President & Product Manager - Business Banking, Deutsche Bank

.......................................................................................................................................................... 14

Mr. Manoj Dialani, Manager, Strategic Alliances for the Western Region, Power2sme .................. 15

Mr. Jaydeep Vora, Manager, Institutional sales, L&T Investment Management Limited .............. 16

Mr. Dhaval Rawal, CMD, Abhyuday Techno Economics Consultants Pvt. Ltd .................................. 18

Mr. D C Anjaria .................................................................................................................................. 20

Mr. P K Jha......................................................................................................................................... 20

List of Participants: ............................................................................................................................ 21

Media Representatives ..................................................................................................................... 26

Institute Representatives .................................................................................................................. 26

Invitees .............................................................................................................................................. 27

Annexure A : Media Coverage .............................................................................................................. 29

Annexure B - Programme Schedule ..................................................................................................... 35

3

Introduction:

Indian SMEs play a significant role in Nation development through higher contribution to

Domestic Production, Significant Export Earnings, Operational Flexibility, Location Wise

Mobility, Low Intensive Imports, Capacities to Develop Appropriate Indigenous Technology,

Import Substitution, Contribution towards Defense Production, Technology – Oriented

Industries, Competitiveness in Domestic and Export Markets with Low Investment

Requirements thereby generating new entrepreneurs, employment and noteworthy

economic growth.

Gujarat is one of the highly industrialised states in India with its reputation of being a highly

investor-friendly state. The state has a proven track record of attracting high volumes of

investment becoming the most favoured investment destination in India. In the backdrop of

these developments, the Government of Gujarat has declared Industrial Policy – 2009,

Textile Policy 2012, establishment of Center of Excellences to address the need of Industry

Responsive Manpower and modified scheme for the financial assistance like Industrial Park

and SIR etc.

Despite their high enthusiasm, government support and inherent capabilities to grow, SMEs

in India are still facing a number of problems like sub-optimal scale of operation,

technological obsolescence, supply chain inefficiencies, increasing domestic and global

competition, change in manufacturing strategies and uncertain market scenario. A fund

shortage is also one of the major hurdles for SMEs. Though, Small & Medium-sized

Enterprises (SMEs) play a very important role in a country’s economy, their access to finance

is rather limited. Financing has been a problem that troubles SMEs for a long time, which

restrains their survival and growth.

SMEs need finance to start new ventures or expand the existing business or to survive and

cope with the rapidly changing world economic order. It is a common challenge for

government, policy makers and financial institutions to address the issues of how to provide

sufficient financial support and expand access to finance and promote sustainable

development of SMEs. As the gap in access and use of financial services & products by SMEs

still remains a challenge, there is an urgent need to review the various existing parameters,

efficacy of existing institutional arrangements & systems from different perspectives.

Background:

4

In order to address issues SMEs suffer from and compete with large and global enterprises,

SMEs need to adopt innovative approaches in operations whereas government and financial

institutions should also come out with encouraging financial models to enable SMEs to

ensure their survival and grow.

SMEs face a number of problems today such as - absence of adequate and timely banking

finance, limited capital and knowledge, non-availability of suitable technology, low

production capacity, ineffective marketing strategy, identification of new markets,

constraints on modernisation & expansions, non availability of highly skilled labour at

affordable cost, follow-up with various government agencies to resolve problems and so on.

Suffice it to say that between 2003 and 2013, commercial bank loans to new establishments

and existing small scale enterprises dropped at an exponential rate. Number of reasons has

been proffered for this financing gap which includes the lack of managerial capacity,

inadequate collateral and poor record keeping, amongst others. However, there also exist

lack of understanding by the banks of the nature and operations of SMEs.

In order to address all these crucial issues, ASSOCHAM has organized SME Sammelan 2014

with an objective to provide a common platform for SMEs, Financial Institutions and Banks

to facilitate learning and interaction amongst them to bridge the knowledge and finance gap

along with showcasing emerging finance management trends and global opportunities.

This summit was a unique event, where the best of minds in the financial world, leaders in

the industry and the banking community along with policymakers and government

representatives met face-to -face to join their efforts to co-operate in addressing the most

topical issues.

ASSOCHAM is supported by Deutsche Bank, L&T Finance and Mutual Fund, Power 2 SME,

SIDBI and Dena Bank organise this Sammellan.

ASSOCHAM was also extended support by National Small Industries Corporation Ltd.; FTI

and Abhyuday Techno Economic Consultants to fetch maximum results for the industry.

5

Inaugural Session:

The event was graced by the presence of Shri D. J. Pandian, IAS, Addl. Chief Secretary,

Industries and Mines, Energy and Petrochemicals, Government of Gujarat who was the chief

guest of the event.

Along with (Left to Right)

Shri Miten Mehta, President, Financial Technology Group

Shri Ved Prakash Chaturvedi Director, L & T Capital Markets Ltd.

Ms. Bhagyesh Soneji, Chairperson, ASSOCHAM Gujarat Council & CMD, Ameda Pharma

& Proprietress, Elegant India

Shri P. K. JHA, Zonal General Manager, National Small Industries Corporation Ltd.

Shri Jay Ruparel, Co Chairperson, ASSOCHAM Gujarat Council & CEO, Azure Knowledge

Corporation

6

Session Details

Inauguration by Chief Guest Shri D. J. Pandian, IAS, Addl. Chief Secretary, Industries and

Mines, Energy and Petrochemicals, Government of Gujarat

Welcome Address by Ms. Bhagyesh Soneji, Chairperson- ASSOCHAM Gujarat

Council

7

Ms. Soneji started the session by giving an

overview of the phenomenal growth

envisaged in SME sector, and the underlying

the challenges as absence of adequate and

timely banking finance, limited capital and

knowledge, non-availability of suitable

technology, low production capacity,

ineffective marketing strategy, identification

of new markets, constraints on

modernisation & expansions, non availability

of highly skilled labour at affordable cost,

follow-up with various government agencies

to resolve problems and so on.

Further she elaborated number of reasons impacting on this financing gap which includes

the lack of managerial capacity, inadequate collateral and poor record keeping, amongst

others. However, there also exist lack of understanding by the banks of the nature and

operations of SMEs.

Lastly she expressed the hope that the sammellan will serve the purpose of the betterment

of the SMEs and ensure holistic growth.

Keynote Address by Shri D. J. Pandian, IAS, Addl. Chief Secretary, Industries and

Mines, Energy and Petrochemicals, Government of Gujarat.

8

Shri Pandian, IAS started with the challenges SMEs face today and also talked about

approach of Banks, financial institutions and government official towards SME player that

restrict their access and exposure to the concerned department and banks for availing

benefits that they deserve. He has also suggest to redefine SMEs to change people’s

perspective as they are indeed proves “Small is Big” by contributing significantly in total

Export, National Economy and Employment Generation as well. They are indeed back bone

and growth engine of national economy he said.

In addition to that he shared some facts and figures of sector wise SMEs in the State that

shows exponential growth and opportunities for the further development. He did SWOT of

big v/s small industries and shows the potentiality to motivate entrepreneurs.

Lastly he suggested SIDBI and NSIC along with other financial institutions to come out with

tailored financial and wealth management plans for SMEs as timely availability of adequate

fund in desired manner is big issue that all are suffering from.

Release of research report and launching of L&T Finance Wealth Management,

Gujarat Chapter:

Shri Ved Prakash Chaturvedi Director, L & T Capital Markets Ltd

He made a presentation while launching of L&T Finance Wealth Management, Guajrat

Chapter.

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He started with sharing objectives which are:

Building an Business – Opportunities & Challenges for Entrepreneurs

What can L&T Capital Markets (LTCM) do for you?

L&T Financial Services – Group of Subsidiaries

Our Range of Services

Case Studies

Wherein LTCM’s Role is:

Educating our clients, giving perspectives & understanding the situation

Understand the challenges they may confront

How to take advantage rather than becoming a victim

In addition to that he talked about what entrepreneurs need today and and their services

against as under:

What Entrepreneurs need?

Access to advice on Macro Economy

Planning of Personal Finances / Family Finances

Access to timely financial resources

Inheritance / Succession Planning

Efficient Tax Planning

Asset Insurance / Health Insurance etc

Others e.g. Housing Finance, other lending solutions etc

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Comprehensive Services of L&T:

L&T Infra Finance

o Project Finance

o Equity Investments

o Mezzanine Funding

o Infra Advisory

L&T Finance

o Corporate Finance

o Working Capital Finance

o Construction Equipment Finance

o LAS, LAMF Units

L&T Invst Mgmt (IM)

o AMC

o PMS

o Offshore Products

L&T Housing Finance

o Home Loans

o Loan Against Property

o Construction Finance

o Balance Transfer

o Lease Rental Discounting (LRD)

L&T Insurance

o Motor Insurance

o Health Insurance

o Corporate – Fire, Equipment, Machinery etc

o SME – Retail, Hospitality, Educational etc

L&T Retail Finance

o Car Loan

o 2-Wheeler Loan

o Personal Loan

o Gold Loan

o Education Loan

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Vote of Thanks by Shri Jay Ruparel, Co-chairperson, ASSOCHAM Gujarat Council.

Mr. Ruparel expressed his gratitude on behalf of ASSOCHAM and on his personal behalf to

all the dignitaries presented on the dais. He further thanked all the speakers of the summit

and the Knowledge Partner,

Abhyuday Techno Economics

for presenting the research

paper. The presence of the

Chief Guest, Shri D J Pandian,

IASalong with Shri H D Shrimali

and Shri Samir Vakil

representing State

Government were

acknowledged.

Further, he thanked all the

partners whose support enabled

ASSOCHAM to organise the Sammellan for the betterment of SMEs in the State and

requested the participants to join for networking tea.

12

Technical Session:

Left to Right:

Mr. Jaydeep Vora, Manager, Institutional sales, L&T Investment Management

Limited

Mr. Manoj Dialani, Manager, Strategic Alliances for the Western Region,

Power2sme

Mr. Miten Mehta, President, Financial Technology Group

Mr. Gaurav Varshney , Asst Vice President & Product Manager - Business Banking,

Deutsche Bank

Mr. K. C. Bhanoo, General Manager, SIDBI, Ahmedabad

Mr. H. D. Shrimali, Additional Industry Commissioner, GoG

Mr. P. K. Jha, Zonal General Manger, NSIC Limited, Ahmedabad

Mr. Samir Vakil, Executive Director, GIDC, GoG

Mr. D. C. Anjariya, Director, Indian Institute of Financial Services Pvt. Ltd

Mr. Dhaval Rawal, CMD, Abhyuday Techno Economics Consultants Pvt. Ltd

13

Mr. K. C. Bhanoo, General Manager, SIDBI, Ahmedabad

He stated mission of SIDBI to initiate his presentation that is “SIDBI shall work towards filling

the gaps, both in Financial and Developmental Services, in the MSME Eco-system, to make

the MSMEs more vibrant and Globally Competitive”

He also talked about their financing strategy and Development Services in detail as undr:

Financing:

Offer niche products to MSME

sector complementing the role of

Commercial Banks:

I. Financing Sustainable

Development - Energy Efficiency

projects (EE) & Cleaner

Technologies,

II. Equity Funding, Mezzanine

finance and Risk Capital,

III. Financing Service Sector Projects,

IV. Addressing working capital gaps - Receivable Finance/Promoting Factoring services

V. Other Financial Products

Development Services

Developmental services to MSME sector complementing the role of Commercial Banks.

I. 1st stage of support to budding entrepreneurs / MSMEs - addressing information

asymmetry/Information dissemination [online support]- smallB. in

II. Setting up Credit Advisory Centres [CAC]

III. Establishment of SIDBI Loan Facilitation Activity (SLFA).

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IV. Addressing the issues of Missing Middle.

Lastly he advised participants to contact him personally for any support related to services

SIDBI offered.

Mr. Gaurav Varshney, Asst Vice President & Product Manager - Business Banking,

Deutsche Bank

He presented their initiatives for SMEs in detail.

He also elaborated their Trade & Foreign Exchange Services along with benefits to deal with

Deutsche Bank as under:

Trade & Foreign Exchange Services

Export Collections

Import Collections

Letter of Credit Issuance

Bank Guarantee Issuance

Domestic Collections

Remittances

Benefits

Extensive db network spread across 74 countries

Swift processing of documents & speedy remittances

Trade advisory services to help you evaluate opportunities & risks, incl. hedges

Competitive charges on Trade transactions

Dedicated Relationship Manager

Mr. Manoj Dialani, Manager, Strategic Alliances for the Western Region, Power2sme

He presented some key services SMEs can avail along with their business model wherein they

act as an alternative of CSA, Distributer and Dealers:

16

Further he elaborated their credit funding service, product category they deal with (Still,

Chemicals, Ink, Polymers and Paints). Delayed payment and adequate funding are gibber issues

and we also provide various services to cater those requirements he added while summing up

his presentation.

Mr. Jaydeep Vora, Manager, Institutional sales, L&T Investment Management

Limited

He made presentation on current account management service wherein one can earn interest

on amount lying in current.

Scheme name Ideal investment horizon

L&T Cash Fund 1 day to 1 week

L&T Liquid Fund 3 days to 1 month

L&T Ultra Short Term Debt Fund 1 - 3 months

L&T Floating Rate Fund 1 - 3 months

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L&T Low Duration Fund 3 months to 1 year

L&T Short Term Opportunities Fund At least 6 months

L&T Short Term Income Fund At least 6 months

L&T Flexi Bond Fund At least 18 months

L&T Income Opportunities Fund At least 2 years

L&T Triple Ace Bond Fund At least 2 years

L&T Gilt Fund At least 2 years

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Mr. Dhaval Rawal, CMD, Abhyuday Techno Economics Consultants Pvt. Ltd

He made presentation on research report jointly prepared in association with ASSOCHAM.

The topics it covered were:

Overview of SME sector

Challenges for SME’s

Opportunities for SME’s

Conclusion

Gujarat Scenario:

Hub of over 4Lacs MSMEs

More than 14.7% of India

Significant Role of MSMEs in Gujarat’s Contribution at the National Level

◦ 18% of Fixed Capital Investment

◦ 17.22% of Gross Output

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◦ 15.20% of Net Value added in Industrial Sector

District Products

Ahmedabad Dyes & Chemicals, Textiles, Pharma & pharma

Machinery, Plastics, Readymade Garments

Anand Dairy & Food Processing Machineries

Bharuch Chemicals & Bulk Drugs

Bhavnagar Ship Breaking, Steel Re-rolling, Machine Tools

Jamnagar Brass articles, Wood Furniture

Vadodara (Baroda) Engineering, Chemicals, Pharma, Plastics

Surat Dimond Cutting & Polishing, Textile Machinery, Power Looms

Rajkot

Diesel Engine & Parts, Machine Tools, Submersible Pumps, Casting &

Forging

Valsad

Dyes & Intermediates, Pharma Bulk Drugs, Plastics

Challenges for SMEs:

Timely & Adequate Finance

Inadequate infrastructure

Outdated Technology

Under-utilized capacity

Problems of Marketing & Exports

Poor Project Planning

Opportunities for SMEs:

Growing Indian Economy

Emerging International Markets and

sectors

Educated & skill Talent pool

Growing demand in Service sector

Raw Materials

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Bottleneck : 1 or 2 people control

organization

Opportunities in Clusters

Lastly he concluded with:

The SME Sector constitutes a very important segment of the Indian Economy in terms of

contribution in

o Industrial Production, Employment

o Exports, Entrepreneurial base

Challenges are

o Managing finance, Capacity utilization

o Cost Competitiveness

o Finding Sustainable Solutions, Global Benchmarks, Quality

Opportunities are

o Emerging Markets & Service Sector, Technology & Innovations, Linkages with large

Corporate, Govt. & Retail Consumers

o Government’s Catalytic Role and Various Schemes

Mr. D C Anjaria

He talked about importance of knowledge regarding finance for an entrepreneur

Mr. P K Jha

He showed a documentary on NSIC’s activities and responded participant’s question about

bidding amount to be asked along with documents at the time of tendering.

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List of Participants:

SN NAME DESIGNATION COMPANY

1 APURVA SHAH CEO AASTRAL INDUSTRIES

2 HARSH PATEL EXECUTIVE ABF FREIGHT INTERNATIONAL PVT. LTD

3 NARPATRAJ CHOPRA PROPRIETOR ACE INFRACON PRODUCTS

4 DR AVINASH K DALAL NATIONAL PRESIDENT ALL INDIA MSME ASSOCATION

5 MR.AJAY THAKUR CHAIRMAN - GUJARAT CHAPTER

ALL INDIA MSME ASSOCIATION - GUJARAT CHAPTER

6 AMJAD PISUWALA PARTNER ALLWIN ROTO PLAST

7 AZAM MANIAR BUSINESS DIRECTOR ALLWIN ROTO PLAST

8 RAJESH WALIA CEO/ DIRECTOR AMARONS CAPITAL ADVISORS PRIVATE LTD

9 VIKASH JAIN Partner AMARONS CAPITAL ADVISORS PRIVATE LTD

10 MS.PREETY HEAD BUSINESS DEVELOPMENT

AMBIT FINANCIALS

11 KARAN M. BHATT COMPANY SECRETARY ANJALEE EXIM PVT. LTD

12 MIHIR S. SHAH CHARTERED ACCOUNTANT

ANJALEE EXIM PVT. LTD

13 PRAFUL DEDHIA Owner ANKIT INDUSTRIES

14 MR. NIRMAL GAJJAR MANAGER APEX ENGINEERS

15 MR. P.M. GAJJAR CEO APEX ENGINEERS

16 R. V. BHIMANI COMPANY SECRETARY ARVIND LIMITED

17 HEMIL PATEL MARKETING ATLAS CHEMICAL CO

18 PROF. J M BHATT FACULTY MEMBER B.K.SCHOOL OF MANAGEMENT

19 RAJNI MEHTA PROPRIETOR BCM CORPORATION

20 HIMANSHU J. MISTRY.

PROPRITOR BHAGWATI ENGINEERS

21 MR.RANA CO-OWNER BHAGWATI ENGINEERS

22 ANIL DEOTALE PROPRIETOR BHARAT ENGINEERS

23 DIPAL THAKKER DIRECTOR BHARTI VENTURES

24 ANIL BHAMBHANI DIRECTOR BIA CAPITAL

25 MR. KINJAL VOHRA OWNER BILIPATRA INFOTECH

26 DINESH KR. GAUTAM MANAGING DIRECTOR CAPITAL POST MEDIAWORKS PRIVATE LIMITED

27 PATEL H N MD CARRAG SEAVEG P LTD

28 SANDEEP AGRAWAL REIGONAL SALES MANAGER

CITIBANK

29 ANITA VYAS COMPANY SECRETARY COMPANY SECRETARY

30 URMI DESAI COMPANY SECRETARY COMPANY SECRETARY

31 K. SOHAON Proprietor CR2 TECHNOLOGIES LTD

32 PRATIK PANDYA Representative D B SCHENKER

22

33 NEHAL MODI Representative DEEP EXIM

34 ASHISH DESAI CLOUD CONSULTANT DESAI TECH SOLUTIONS

35 BHARATKUMAR PATEL

CHAIRMAN DEVARSH EXIM PVT LTD

36 ABHISHEK RATHI HEAD – BUSINESS DEVELOPMENT

DEXTER CONSULTANCY (P) LTD.

37 JEET SINGH ARYA HEAD - PROJECTS DEXTER CONSULTANCY (P) LTD.

38 VIJAY HARIRAMANI HEAD - PROJECTS DEXTER CONSULTANCY (P) LTD.

39 VISHAL KAPOOR HEAD- CLIENT SERVICING DEXTER CONSULTANCY (P) LTD.

40 GAURAV GADHECHA PARTNER DIAMOND REALTY

41 NIDHI GADHECHA CHARTERED ACCOUNTANT

DIAMOND REALTY

42 DR.IMDAD ALI MOMIN

PROPRIETOR DR.IMDAD ALI MOMIN

43 KIRTI J. THAKKAR DIRECTOR ECOMMERCETECH.COM PVT.LTD. & M/S. MEET MARKETING

44 SAURABH R BHATT CEO ECOZ LIFE SCIENCES

45 SUDIP IYER PROPRIETOR EFICAZ INTERNATIONAL

47 MILOVE KOTHARI EMERAL EMERAL ENERGY SOLUTIONS PVT LTD

48 SARAL KOTHARI EMERAL EMERAL ENERGY SOLUTIONS PVT LTD

49 PARIKSHIT NAYAK OWNER EXIMTRADING FIRM

50 DR SURYAKANT B GUPTA

PROJECT MANAGER FCIPT, INSTITUTE FOR PLASMA RESEARCH

51 UMANG SHAH PROPRIETOR FRONTLINE FASHIONS

52 MR ANIL PATEL DIRECTOR GAYATRI ENGINEERING CO

53 HARESH C PARIKH PARTNER GEETA TECH

54 JIGNESH BAVISHI PROPRIETOR GIFT CENTRE

55 VIJAY SHAH DIRECTOR (IT,BPM) GSP CROPSCIENCE LIMITED

56 JAYANT JAIN PROPRIETOR GURU RAJENDRA METALLOYS INDIA PVT LTD

57 PROF. PRANAV GOSALIA

FACULTY MEMBER ICFAI BUSINESS SCHOOL (IBS)

58 GAURAV VERMA MANAGER- BD INDIAN SCHOOL OF PETROLEUM & ENERGY

59 RAKESH BHATIA DIRECTOR INDO AMERICAN MARKET GATEWAY

60 DR. NIHARIKA PURBIYA

AO INFOQUEST COMPUTER ACADEMY

61 JABBARSINGH RATHOD

BDM INFOQUEST COMPUTER ACADEMY

62 MR. MAHENDRA SONARA

FOUNDER & CEO INFOQUEST COMPUTER ACADEMY

63 RUTVIJ DIVYAPAL PROPRIETOR INFOTECH SYSTEMS

64 Mr. JAY PARTNER INFOTECH SYSTEMS

65 MR B D SOLANKI PROPRIETOR KAMAL TRAVELS

23

66 MR. RAHUL MAHANIYA

CEO LINATH HEALTH CARE PVT LTD

67 HASMUKH PATEL CHAIRMAN LINATH HEALTH CARE PVT LTD

68 SHRI NIMESH JOSHI BUSINESS DEVELOPMENT EXECUTIVE

MACRO EVENTS AND EXHIBITIONS PVT. LTD

69 ABDULRAUF MANIAR DIRECTOR MANLON POLYMERS

70 BHASKAR AGARWAL DIRECTOR MDC IMPEX PVT LTD.

71 SHAILABH DIDWANIA

DIRECTOR MDC IMPEX PVT LTD.

72 SHOYEB SAIYED MINDQUAD SOLUTIONS PVT. LTD

73 PANKAJ MOHTA MANAGER MOHTA INDUSTRIES

74 PRITESH PATEL DIRECTOR MOTI POTATO PROCESSORS PVT LTD

75 NARESH SONI FREELANCER NARESH SONI

76 DAMODAR DHOOT CEO NATIONAL RUBBER INDUSTRIES

77 GAURANG PATEL PROPRITER NATRAJ INFOCOM SOLUTION

78 JAYESH PANCHAL PROPRIETOR NIRVARE POLYMER

79 NITIN PAREKH PROPRIETOR NITIN PAREKH ASSOCIATES

80 GHANSHYAM RIBADIYA

SR. EXEC. – EXIM & BANKING

NUMEROUNO BUSINESS CONSULTANTS

81 K SUBRAMANIAN FOUNDER & CEO NUMEROUNO BUSINESS CONSULTANTS

82 J B MORVADIA PROPRIETOR OM FOODS INDS

83 KULDEEP SINGH PROPRIETOR ONKAR PLASTICS

84 M.D.SHAH DIRECTOR PAAVAN ELECTRONIC INDUSTRIES

85 SHRI JAYESH DHOLAKIA

GENERAL MANAGER PACKAGING INDUSTRY ASSOCIATION OF INDIA

86 MR. RAJA G.M PALM ELECTRIC CO.

87 MR. VISHAL OWNER PALM ELECTRIC CO.

88 JINESH MEHTA PASCAL HYDRAULICS

89 NIMIT SHAH PASCAL HYDRAULICS

90 PATEL BHAGWANBHAI

PARTNER PATIDAR BUILDCON LIMITED

91 PATEL DHIRAJBHAI DIRECTOR PATIDAR BUILDCON LIMITED

92 PATEL JINAL PARTNER PATIDAR BUILDCON LIMITED

93 PATEL PRATIK PARTNER PATIDAR BUILDCON LIMITED

94 RAHUL GULECHA OWNER PINNACLE CHLORO CHEM PVT LTD

95 SHRI KULIN B. VYAS MEMBER ADVISORY BOARD

PKM ADVISORY SERVICES PVT. LTD

96 SHRI PRADIP K. MODI

MEMBER ADVISORY BOARD

PKM ADVISORY SERVICES PVT. LTD

97 JINEN GHELANI MD PRIME CUSTOMER SERVICES LIMITED

98 K K RAO DIRECTOR PRIME CUSTOMER SERVICES LIMITED

99 MITESH SHAH V P COMMERCIAL PRIME CUSTOMER SERVICES LIMITED

24

100 SATISH C PATEL CEO PRIME MUVERS

101 MR. GOKUL SHAH DIRECTOR PRODIGISOFT OUTSOURCING PRIVATE LIMITED

102 MR. RAJENDRA PATEL

GENERAL MANAGER PRODIGISOFT OUTSOURCING PRIVATE LIMITED

103 MRS KRUPA BHATT BUSINESS DEVELOPER PRODIGISOFT OUTSOURCING PRIVATE LIMITED

104 BIMAL BHATT SR VISITING FACULTY RAJNIKANT GHELANI

105 RAJNIKANT GHELANI EX CRM RAJNIKANT GHELANI

106 Riddhi Luniya Representative RANJAN PLASTICS PVT LTD

107 MR. ASHISH BHATT SR. RELATIONSHIP MANAGER

RBSA VALUATION ADVISORS LLP

108 MR. KISHORE GANDHI

EXECUTIVE DIRECTOR RBSA VALUATION ADVISORS LLP

109 MR. R. B. SHAH CHAIRMAN RBSA VALUATION ADVISORS LLP

110 MS. MITALI SHAH DIRECTOR RBSA VALUATION ADVISORS LLP

111 MR. DEVANG PATEL MANAGER REPUTED MICRO SYSTEMS

112 MR. ARVIND MAKWANA

DIRECTOR SABAR CROP CARE

113 MR. JIGNESH PATEL DIRECTOR SABAR CROP CARE

114 GAURAV SHAH PARTNER SANGANI ADITYA CORPORATION

115 KAIVAN SHAH PARTNER SANGANI ADITYA CORPORATION

116 ALPESH MORI FOUNDER& CEO SAPEUR BUSINE SS SOLUT IONS

117 MR BHARAT PATEL PROPRIETOR SEASTA LIFE CARE

118 MANISH BHATT CO-OWNER SELAN BIOSCIENCE

119 RASIK BHATT OWNER SELAN BIOSCIENCE

120 DISHANT MEHTA OPERATION MANAGER SHAH NRI MULTI SERVICES PVT.LTD.

121 PRAKASH BANJARA SR.BUSINESS DEV. EXECUTIVE

SHAH NRI MULTI SERVICES PVT.LTD.

122 SHITAL SHAH BRANCH MANAGER SHAH NRI MULTI SERVICES PVT.LTD.

123 TAPAN SHETH PROPRIETOR SHETH ENTERPRISE

124 MUKESH PATEL SR CONSULTANT SM FIRE PRO

125 RAVINDRA GUPTA SRI PRITHVIRAJ POLY FAB & IND

126 MR.RAVINDRA DIRECTOR STAR INTERNATIONAL

127 RAVISH BHATT ADVOCATE STELLENT SWIFT

128 KALPESH DOSHI DIRECTOR SUMERU TRADELINK PVT LTD

129 TEJAS GANDHI DIRECTOR SUMERU TRADELINK PVT LTD

130 C.A ABHISHEK SARAOGI

PARTNER SUNIL PODDAR & COMPANY

131 SUNILKUMAR PODDAR

PARTNER SUNIL PODDAR & COMPANY

133 KIRTI GAJERA MANAGER SURGI EDGE (INIDA)

134 PARESH PATEL M D SURGICOTFAB TEXTILES PVT. LTD

135 C.G. VAGHELA DIRECTOR SURYA WALL CARE CHEM PVT LTD

136 HARIN VAGHELA G.M-MARKETING SURYA WALL CARE CHEM PVT LTD

25

137 NIRAJ VAGHELA C.E.O SURYA WALL CARE CHEM PVT LTD

138 RAMESH SHAH DIRECTOR SUSHIL CONSULTANTS

139 MR KALPESH GAJJAR MANAGING DIRECTOR SWASTIK ENTECH PVT LTD

140 VISHALKUMAR SUTHAR

EXECUTIVE DIRECTOR SWASTIK ENTECH PVT LTD

141 MOHAN KATARIA PARTNER SWASTIK GUM INDUSTRIES (INDIA)

142 PARAG KATARIA ADMIN SWASTIK GUM INDUSTRIES (INDIA)

143 THOMAS KOSHY DIRECTOR SYNERGY HOTELS & RESORTS PVT. LTD.

144 AVINASH KOTHARI VICE PRESIDENT TIPSONS FINANCIAL SERVICES PVT. LTD

145 MR. APURVA GANDHI

EXECUTIVE DIRECTOR TIPSONS FINANCIAL SERVICES PVT. LTD

146 MR. JAYMIN DESAI VICE PRESIDENT TIPSONS FINANCIAL SERVICES PVT. LTD

147 MR. JITENDRA SHAH MANAGING DIRECTOR TIPSONS FINANCIAL SERVICES PVT. LTD

148 PRAKASH CHAUHAN MANAGER - PROJECT FINANCE

TIPSONS FINANCIAL SERVICES PVT. LTD

149 KAPILKUMAR HIRPARA

CEO TIRUVARAN IMPEX

150 RUDANI CHIRAG PARTNER TIRUVARAN IMPEX

151 GOPALKRISHNA I JAISWAL

CEO TRIDENT ENGINEERING

152 VAISHALI G. JAISWAL

PROPERIETOR TRIDENT ENGINEERING

153 NISARG THAKKAR DIRECTOR TRUPTI INFRASTRUCTURE PVT LTD

154 MR. KAMAL R BHATT PROPERIETOR TWISHA CORPORATION

155 MR. ROHAN B JOLAPARA

PARTNER TWISHA CORPORATION

156 BELA SHAH PROPERIETOR VARDHMAN SALES AGENCY

157 SAMIR SHAH PROPERIETOR VARDHMAN SALES AGENCY

158 BHAVIN V. SHAH GM, MARKETING VEER ELECTRONICS

159 HIREN R. VASANI CEO VEER ELECTRONICS

160 ASHOK SHAH M.D. VIDEUR TECHNOLGIES PVT LTD

161 ANJAN PATEL PROPRIETOR WIDE WORLD SERVICES

162 MUKESH THAKKAR OWNER ZEN ECO HOMES

163 RONAK SHAH OWNER ZEN ECO HOMES

165 RAMESHCHANDRA PATEL

DIRECTOR DAS FOOD TECH PRIVATE LIMITED

166 KAMLESH PATEL DIRECTOR DAS FOOD TECH PRIVATE LIMITED

167 RAJESH MAHESHWARI

DIRECTOR TWINKLE TECHPLAST PVT LTD

170 MANAN KHETAN DIRECTOR JYOTI MINERALS PVT LTD

171 CHINTAN MODI MANAGER-MARKETING UNIVERSAL SOFTWARE

172 ARATI SUBHAS OWNER AARATIS CREATION

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173 SIDDHARTH SHAH OWNER IVIEW LABS PVT. LTD

174 MANEES RAVAL PARTNER BHARAT TECHNOLOGIES

175 RAJIV TEJWANI REPRESENTATIVE YES BANK

176 KRINA PAREKH DIRECTOR VARMORA

177 SUNNU PAREKH DIRECTOR VARMORA

178 NITESH VALA SR.EXECUTIVE ROYAL SUNDARAM

179 BHAVESH KUMAR PROPRIETOR GLASS INDUSTRY

180 NATHUBHAI KRENA REPRESENTATIVE ARJUN INFRASTRUCTURE

181 MR.ADITYA REPRESENTATIVE ARJUN INFRASTRUCTURE

182 REPRESENTATIVE REPRESENTATIVE MBH PUMP

183 AJAY DOSHI PROPRIETOR AJAY TRADERS

184 N B PATEL PROPRIETOR N B ESTATE

185 ANAND JOSHI MANAGER CARE RATINGS

186 M M PATHAN REPRESENTATIVE SAHATH REHTAWALA EDU & RESEARCH

187 IMDAD REPRESENTATIVE PELHAD INFRASTRUCTURE

188 KALPESH PATEL SALES MANAGER MOTI POTATO

Media Representatives

SN NAME OF REPORTER MEDIA

1 MAHESH TRIVEDI DIVYABHASKAR

2 PIYUSH MISHRA TIMES OF INDIA

3 AVINASH INDIAN EXPRESS

4 SABU CHERIN BUSINESS STANDARD

5 BRIJESH DOSHI TV9

6 NIRWA MEHTA FINANCIAL EXPRESS

7 KANTI PATEL JAY HIND

8 KEYURBHAI ECONOMIC TIMES

9 HIMANSHU DARJI ECONOMIC TIMES

10 BIRJU SHAH NAVGUJARAT SAMACHAR

Institute Representatives

SN NAME DESIGNATION INSTITUTE

1 AMAN TRIVEDI STUDENT-PGDM EDII, AHMEDABAD

2 NITIN GUPTA STUDENT-PGDM EDII, AHMEDABAD

3 NITIN VERMA STUDENT-PGDM EDII, AHMEDABAD

4 PIYUSH AGRAWAL STUDENT-PGDM EDII, AHMEDABAD

5 SHIVENDRA PRATAP SINGH

STUDENT-PGDM EDII, AHMEDABAD

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6 SIDDHANTGUJAR STUDENT-PGDM EDII, AHMEDABAD

7 VANRAJ SOLANKI STUDENT-PGDM EDII, AHMEDABAD

8 ADITI KANSARA MBA STUDENT SARDAR PATEL COLLEGE OF ADMIN AND MANAGEMENT

9 ANKIT MUDALIAR MBA STUDENT SARDAR PATEL COLLEGE OF ADMIN AND MANAGEMENT

10 ASHISH GOYANI MBA STUDENT SARDAR PATEL COLLEGE OF ADMIN AND MANAGEMENT

11 ASHISH PATEL MBA STUDENT SARDAR PATEL COLLEGE OF ADMIN AND MANAGEMENT

12 BURHAN LENWALA MBA STUDENT SARDAR PATEL COLLEGE OF ADMIN AND MANAGEMENT

13 FORAM DAVE MBA STUDENT SARDAR PATEL COLLEGE OF ADMIN AND MANAGEMENT

16 MR JITENDRA GOSWAMI FACULTY SARDAR PATEL COLLEGE OF ADMIN AND MANAGEMENT

17 MR. BHAVESH SOLANKI FACULTY SARDAR PATEL COLLEGE OF ADMIN AND MANAGEMENT

18 AKHILESH PANDITA STUDENT B. K. SCHOOL OF BUSINESS MANAGEMENT

Invitees

SN NAME DESIGNATION COMPANY

1 ABHISHEK MEHTA RELATIONSHIP MANAGER DEUTSCHE BANK

2 AJIT RATH ASSISTANT VICE PRESIDENT DEUTSCHE BANK

3 GAURAV VARSHNEY ASSISTANT VICE PRESIDENT DEUTSCHE BANK

4 RITESH SHETTY ASSISTANT VICE PRESIDENT DEUTSCHE BANK

5 SAMSON CHAUHAN RELATIONSHIP MANAGER DEUTSCHE BANK

6 ADITYA DAVE MANAGER KUNVARJI GROUP

7 JAY DELIWALA DIRECTOR KUNVARJI GROUP

8 SANJEEV UDESHI MANAGER KUNVARJI GROUP

9 MR. GOVANI REPRESENTATIVE POWER2SME

10 HARI IYER ZONAL HEAD L & T FINANCE

11 MADHU MENON GUJARAT HEAD L & T FINANCE

12 SANDEEP GUPTA REPRESENTATIVE L & T FINANCE

14 MR. KAILASH KULKARNI INVITEE L & T MUTUAL FUND

15 MR. JAYDEEP INVITEE L & T MUTUAL FUND

16 MR. PIYUSH INVITEE L & T MUTUAL FUND

17 MR S H VORA INVITEE L & T FINANCE

18 MR PUSHPENDRA JHALA INVITEE L & T FINANCE

19 MR SANJAY SHARMA INVITEE L & T FINANCE

20 MR MK SINGH INVITEE L & T FINANCE

21 MR BN FITKARIWALA INVITEE L & T FINANCE

22 MR DARSHAN MEHTA INVITEE L & T FINANCE

23 MR MALAY SHAH INVITEE L & T FINANCE

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24 MR. JAY SHAH INVITEE L & T FINANCE

25 MR.DEEPAK BDM L & T GEOSTRUCTURE

30 MR. NIMISH SHUKLA PRESIDENT FINANCIAL TECHNOLOGIES INDIA LIMITED

31 MR. SETU SHAH SR. VICE PRESIDENT FINANCIAL TECHNOLOGIES INDIA LIMITED

32 MR. ANSHUMAN ANAND ASSISTANT VICE PRESIDENT FINANCIAL TECHNOLOGIES INDIA LIMITED

33 MR. TEJAS PATEL ASSISTANT MANAGER FINANCIAL TECHNOLOGIES INDIA LIMITED

34 MR. SHIVAM PANCHAL RELATIONSHIP MANAGER FINANCIAL TECHNOLOGIES INDIA LIMITED

35 MR. SHREYAS NAIR SECRETARY FINANCIAL TECHNOLOGIES INDIA LIMITED

36 SHRI P. C. VORIAR CHIEF MANAGER CREDIT DENA BANK

37 SHRI N.L.VAGHELA CHIEF MANAGER CREDIT DENA BANK

38 REPRESENTATIVE REPRESENTATIVE SIDBI

39 REPRESENTATIVE REPRESENTATIVE SIDBI

40 REPRESENTATIVE REPRESENTATIVE SIDBI

41 REPRESENTATIVE REPRESENTATIVE SIDBI

42 MR. DHAVAL RAVAL CMD ABHYUDAY TECHNO ECONOMIC CONSULTANTS PVT LTD

43 MR. RAVI THAKKAR CA ABHYUDAY TECHNO ECONOMIC CONSULTANTS PVT LTD

44 MR. JIGISH BAROT MANAGER-MEGA PROJECTS ABHYUDAY TECHNO ECONOMIC CONSULTANTS PVT LTD

45 MR. RAVISH CHANDRA BDM ABHYUDAY TECHNO ECONOMIC CONSULTANTS PVT LTD

46 MS. HIRAL JAIN CA ABHYUDAY TECHNO ECONOMIC CONSULTANTS PVT LTD

47 MS. URVASHI SAMRAT HR & ADMN. MANAGER ABHYUDAY TECHNO ECONOMIC CONSULTANTS PVT LTD

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Annexure A : Media Coverage

30

31

32

33

34

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Annexure B - Programme Schedule

o Registration 09.30 hrs – 10.30 hrs

o Introduction & Welcome by ASSOCHAM 10.30 hrs – 10.40 hrs

o Release of Research Paper jointly prepared by Abhyuday & ASSOCHAM 10.40 hrs – 10.45 hrs

o Key note Address by Chief Guest … 10.45 hrs – 11.00 hrs

o Grand Launch of the Gujarat Chapter of L&T Finance Wealth Management 11.00 hrs – 11.05 hrs

o Wealth Management for SMEs 11.05 hrs – 11.20 hrs

o Vote of Appreciation by ASSOCHAM 11.20 hrs -1130 hrs

o Networking Hi Tea 11.30 hrs -12.00Hrs

o Session with Expert Panel 12.00 hrs -14.00 hrs

o Networking Lunch 14.00 hrs onwards

Details

Introduction & Welcome by Ms Bhagyesh Soneji , Chairperson - Western Region , ASSOCHAM

Key Note Address by Shri D.J. Pandian, IAS, Addl. Chief Secretary, Industry and Mines, Government of Gujarat

Wealth management for SMEs by Mr. Ved Prakash Chaturvedi, CEO, L&T Finance Wealth Management

Vote of appreciation by Shri Jay Ruparel, Co-Chairperson, ASSOCHAM Gujarat Council

Expert Panels & Speakers Details

Moderator: Mr.H.D.Shrimali, Additional Industry Commissioner, GoG

Mr. C. K. Bhanoo, General Manager, SIDBI

Mr. Jaydeep Vora, Manager, Institutional sales, L&T Investment Management Limited

Mr. Gaurav Varshney , Asst Vice President & Product Manager - Business Banking, Deutsche Bank

Mr. Miten Mehta, President, Financial Technology Group

Mr. Manoj Dialani, Manager, Strategic Alliances for the Western Region, Power2sme

Mr. Dhaval Rawal, CMD, Abhyuday Techno Economics Consultants Pvt. Ltd

Mr.P.K.Jha, Zonal General Manger, NSIC Limited

Mr. Samir Vakil, Executive Director, GIDC

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Mr. D.C.Anjariya, Director, Indian Institute of Financial Services Pvt. Ltd