WELCOME

MAHARASHTRA
1
 SNAPSHOTS OF MAHARASHTRA
• FRUIT PRODUCTION – 100 LAKH
MT
• VEGETABLE PRODUCTION - 45 LAKH
MT
• COTTON PRODUCTION - 2.6 MILLION
BALES
(30 % OF
COUNTRY
PRODUCTION)
• TOPS IN PRODUCTION IN THE COUNTRY
FOR
- GRAPE 9.88 LAKHS MT
- BANANA 36 LAKHS MT
- ORANGE 8.81 LAKHS MT 2

- POMEGRANATE 3.40 LAKHS MT

 MSAMB
-
MAHARASHTRA STATE
AGRICULTURAL MARKETING
BOARD

3
 MSAMB
Established in 1984 as statutory Board as per
Maharashtra Agriculture Produce Marketing
(Development & Regulations) Act, 1963
Aim is Coordination & Supervision of APMCs
Promote Export Marketing from the State
Grant subvention and loans to APMCs
Undertake applied research in Modern Agricultural
Marketing Systems
Extension work in Agricultural Marketing
State level Planning for Development of APMC’s
Promote setting up of Regulated Markets
Promote development of Hi-tech Agro Projects
Provide soft loan to APMCs for infrastructure
development 4
 ADMINISTRATION

• HEAD QUARTERS • DIVISIONAL

– APMC SECTION OFFICES
– ADMINISTRATION – PUNE DIVISION
– PROJECT DIVISION – NASIK DIVISION
– EXPORT DIVISION – KOKAN DIVISION
– COMPUTER – AURANGABAD
SECTION DIVISION
– FARM SECTION – NAGPUR DIVISION
– ESTABLISHMENT – AMRAVATI DIVISION
DIVISION – LATUR DIVISION
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 EXISTING MARKETING
INFRASRTUCTURE
1 Regulated Markets –
APMCs
Main Market Yards 292 Nos

Sub Market Yards 612 Nos

Total 904 Nos

2 Arrivals of produce in 198 Lakhs MT

3 APMCs
Un-regulated Markets

Rural Haats 3500 Nos

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 MSAMB SCHEMES
• LOANS TO APMCs FOR DEVELOPMENTAL WORKS LIKE
Land Purchase/Land acquisition, Internal Roads, Road Asphalting,
Drinking water facility, Auction platforms, Auction sheds, Auction
halls, Compound wall, Gate and watchman cabin etc

Purpose of Loan Interest Rate

Shetkari Bazar 5%
Agriculture Produce Pledge Loan Scheme 6%
Term Loan for APMCs in Tribal and Kokan Region 6%
Loan for Land Purchase/Land acquisition, Internal 8%
Roads, Road Asphalting, Drinking water facility,
Auction platforms, Auction sheds, Auction halls,
Compound wall, Gate and watchman cabin etc
Interim Loan for Commercial Complex 10 %
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 MSAMB SCHEMES
Agriculture Produce Pledge Loan Scheme
At 6% Rate of Interest for a period of 180 days
Grain Cleaning & Handling System - Rs. 2.00 Lakh per Unit
to APMC
Cold storage in APMC / Co-operative sector. Rs.2.50 Lakh
for 100 MT capacity Cold Storage
Hamal Bhavan in APMC
Rs. 2.00 Lakh per Unit as grant
Shetkari Bazar
Rs. 10 Lakh as soft loan At 5% Rate of Interest
Projection TV - 33% subsidy to the APMCs having income
more than, Rs.1 Crore and 50% to the APMCs having income
less than, Rs.1 Crore.
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ONION INFRASTRUCTURE AND EXPORT SUPPORT S
Onion Storage Structure Scheme .
Rs 300 per MT storage capacity constructed
Export Subsidy for Onion
Rs. 10000/- per 40 ft. Container
Rs. 25000/- for 100 M.T. by country craft
Rs. 50000/- for 200 M.T. by country craft
Rs. 20000/- per 40 ft. Container for Europe
Freight Subsidy – 10% of the freight for
various fruits exported by reefer container

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 SCHEME PROMOTION BY MSAMB

Development /Strengthening of Agricultural

Marketing Infrastructure – GoI Scheme
Rural Godown or warehouses
Common facilities center for exports
Terminal Market facility
Technology Mission On Cotton
Agri Export Zone
Trial Export

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 FACILITIES CREATED BY MSAMB
MANGO HANDLING

Export facility Centers at:

Deogad for Alphonso Mango
Ratnagiri for Alphonso Mango
Jalana for Kesar Mango
Mahamango, Kudal

VAPOR HEAT TREATMENT PLANT

Location : Exporters Building, Vashi, New Mumbai
Facilities available :
Vapor Heat Treatment Machine
(Imported from Japan)
Pre-cooling
Cold Storage
Grading & Packing Line
APEDA Certified Pack House Facilities 11
EXPORT FACILITY CENTRE FOR ONION

Automatic Grading & Packing Unit for Onion at Indapur Dist: Pune

MSAMB is working as a Canalizing Agency for Onion Export

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 MAJOR ACTIVITIES
Export -
2006-2007
Export of Kesar mangoes to Japan
Export of Kesar mangoes to HongKong
Export of Pomegranate to HongKong.

2005-2006
Export of Kesar Mangoes to China through Hong Kong
Export of Onion to Philippines, Dubai.
Export of Mandarins & Banana to UAE

2004 - 2005
Export of Banana to UAE
Export of mandarins to Holland
Export of Pomegranate to UAE.

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 PROJECTS UNDER
IMPLEMENTATION
• Export Facility Center for Grapes & Pomegranate at Baramati, Dist:
Pune.

• Cold Storage with allied Facilities for Fish, Fruit & Vegetable at
Indapur, Dist: Pune.

• Cold Storage with allied facilities for Grapes & Pomegranate at Latur,
Dist: Latur.

• Export Facility Center for Banana at Savada, Tal:Raver, Dist: Jalgaon.

• Export Facility Center for Banana at Vasmat, Dist: Hingoli.

• Export Facility Center for Orange at Karanja (Ghadage), Tal: Ashti,

Dist: Wardha.
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 AMENDMENTS MADE IN
AGRICULTURAL MARKETING ACT

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 AMENDMENTS MADE IN
AGRICULTURAL MARKETING ACT
• Previously the philosophy of the Marketing Act was ‘Regulation
of Marketing’ but now the concept of ‘Development’ to meet the
need of the day
• Maharashtra Agricultural Produce Marketing (Development &
Regulation) Act 1963
Development and regulation
Private markets
Farmer – Consumer markets
Direct Marketing
Special commodity markets
Regional / Divisional APMC
Single license system
Cadre for the secretaries of APMC
Contract Farming
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 AMENDMENTS (contd)…
• PRIVATE MARKETS -
- Any person, Partnership Firm, Co-op Society, NGO or
Company can establish a Private Market
- Private markets will have infrastructure like Cold Storage, Pre-
cooling, Packing Centers, Washing Centers, Electronic
Auctions, and make immediate Payments.

• FARMER – CONSUMER MARKETS –

- Any person, Partnership Firm, Co-op Society, NGO or Company
can establish a Farmer Consumer Market.
- Transactions to take place directly between farmers &
consumers in the Farmer Consumer Market.

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 AMENDMENTS (contd)…
• DIRECT MARKETING -
- Any person, Partnership Firm, Co-op Society, NGO or Company
can obtain a license for direct marketing in one or
more than one market area .
- There will be a boost to processing units, export business and
retail chain operating businesses due to this provision

• SPECIAL COMMODITY MARKETS

- Government may declare certain markets as Special Commodity
Markets on basis of arrivals, turnover, geographical area. Eg.
Special Markets for Onion, Potato, Oranges, Bananas &
Flowers.
- Special Commodity Markets to have modern infrastructure &
storage facilities as per the needs of that particular 18

agricultural produce.
 AMENDMENTS (contd)…
• SINGLE LICENCE SYSTEM
- A trader desiring to operate in more than one market area
may obtain a license.
- A trader can do business in more than one district or in the
whole state under this license.
• CONTRACT FARMING
- A written agreement as to sale-purchase of agriculture produce
between the producer & sponsor.
- The farmer will not be deprived of his right to the title of the land
under any circumstances .
- Agriculture Produce to be directly delivered form farm yards
under contract farming.
- Contract Farming agreements will make available flow of
specific quality and quantity produce throughout the year to
processors and exporters 19
BENEFITS DUE TO AGRICULTURAL
MARKETING REFORMS

• More options Markets available to the farmers to sell their

produce.
• Farmer will obtain fair & better returns due to competition
in the markets.
• Development in the Management of the present Markets.
• Generation of Employment due to increase in processing
units, export business & retail chain operators.
• Improvement in the yield & quality of agriculture
produces.
• Infrastructure Development.
• Stability in the prices of agriculture produce.
• Farmers & Consumers will benefit financially due to
eradication of middlemen & overheads.
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 OPPORTUNITIES FOR
PUBLIC PRIVATE PARTICIPATION
(PPP)
IN MAHARASHTRA

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 TERMINAL MARKETS
• State has proposed the setting up of a terminal
market for fruits and vegetables in the private or
joint sector at
- Mumbai
- Nasik
- Nagpur.
• The key objective of terminal market is to ensure a more
transparent, efficient and modern marketing system
for perishable fruits and vegetables with few or no middle
men so that farmers /growers /producers can receive more
remunerative prices for their produce
• The project is in primary stage
• Maharashtra State Agricultural Marketing Board is 22
Nodal Agency for the Mumbai and Nasik Terminal Market.
 TERMINAL MARKETS- BENEFITS
• Terminal market eliminates or largely reduces the need for middlemen and
assures better
prices to farmers.

• The Collection Centers run by farmers or jointly with private sector will add
value to the
farmer’s produce

• It has potential to generate additional employment in rural areas.

• The interests of the consumer in the city is well served since he gets fresh
produce of
improved quality in clean and graded form directly from farmer /farms
without too
much handling.

• Removal of waste at the farm level itself or at Collection Centers will straight
23
away
reduce pollution in cities.
 TERMINAL MARKET – MUMBAI
• Main features of the market
• Central auction
• Transit section
• Wholesale block (156 big and 170 small shops)
• Exports facility block (28 shops and common pay & use infrastructure)
• Sites for Cash & Carry stores
• Social infrastructure (1000 flats, Hotel Club, parks etc.)
• 10 sites for cold storage and ripening chambers
• 6 sites for processing units
• Administrative block
• Build up area for banks, grocery shops, input stores, transport companies,
repair workshops, petrol pump
• Laboratory and R&D centre
• Post office, police post, fire services, parking for trucks and cars,
information center, rest rooms for farmers and drivers

• Off-market site infrastructure

• Collection centres (15 nos. at different locations) • Extension services
• Cash & carry stores in city areas

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 TERMINAL MARKET – MUMBAI
• Location - 3 kms. from Kalyan on Nashik-Kalyan Road
• Area - 92 acres aprox.
• Major sourcing areas - Thane, Nasik, Pune, Sangli, Valsad,
Ahmednagar, Dhule, Jalgaon and other major production belts of the
country
• Handling capacity - 1.1 million MT per annum
• Expected throughput - 3500 MT/day during peak

• Particulars Of Investment (Rs. Crores)

Market infrastructure 95.00
Cold chain & ripening facilities 24.00
Fruits & vegetable processing units 50.00
Housing and social infrastructure 15.00
Hotel 10.00
Miscellaneous 6.00 25
Total 200.00
 TERMINAL MARKET – NASIK
• Location - Near Nasik

• Area - 100 acre out of which 35 acres in Ist

phase

• Handling capacity - 11 lakhs MT per annum

• Expected throughput - 1500 MT/day during peak

• Under National Horticulture Mission during 2005-06 & 2006-
07, the development of Wholesale /Terminal market at
Igatpuri, Nasik, at a cost of Rs 60 Crores with a total
financial outlay of Rs 15 Crores is proposed. The
outlay proposed for year 2005-06 is Rs. 5 Crores
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 TERMINAL MARKET – NASIK
• Modern Infrastructure in the Market
1. Central Electronic Auction
2. Mechanized Handling with Pre-cooling units.
3. Wholesale block cum Godowns (75 big shops)
4. Four Electronic Grading Lines with State-of-Art Facility for Exports
5. Pack-house Facilities
6. Color Vision System Quality Station
7. 5000 MT Cold Storage and 6 Ripening chambers for Banana / Mango of
25 MT each
8. State of Art Testing/Certification Lab & R&D center to meet International
SPS standards
9. NCDEX Platform for Electronic Trading
10. Provision for Food Processing Unit, Hotel and Social Infrastructure in
phase-II

• Off-market site Infrastructure

1. 20 Collection centers providing facilities
2. Sale outlets in ten major cities of India for “Nasik Fresh” Brand 27

3. Cash & Carry stores (in city areas on Franchise basis)

 TERMINAL MARKET – NASIK
• Investment Profile
1. Share Capital (29.43%)
2. Subsidy (23.54%)
3. Term Loan (47.03%)
Total
- Rs. 1764.93 lakhs
- Rs. 1411.44 lakhs
- Rs. 2820.00 lakhs
- Rs. 5996.37 lakhs

• Turnover
- Everyday 3 truck loads of fruits and vegetables received
by each sale centers.
- On an average the markets will operate for 300 days in a
year.
- Total quantity handled by each sale center - 8100 MTs.
- All the 10 sale centers will handled 8100 MTs of Fruits
and Vegetables annually.
- The Annual turnover of the all sale centers would be
worth Rs.64.80 Crores 28
 TERMINAL MARKET – NAGPUR
• Location - Optional Sites: (Order of Preference)
(i) Near Cargo Hub - Khapree
(ii) Vadhnana-next to Jindal Logistic Park
(iii) Kondhali on Amravati High Way
(iv) Kalkohi Hingana
(Project Developed on Near Cargo Hub-Khapree Site basis)

• Area Proposed 100 acre out of which 35 acres in I phase of the said
project.

• Major sourcing areas 25 Collection Centre at Kalmeshwar, Mauda,

Savner, Katol, Kamathi, Hingna, Umred, Parshvni, Narkhed, Bhivapur,
Kuhi etc. etc.

• Handling capacity
Terminal Market 750MT / day and 2.40 lac MT / year.
Per Collection Centre–30 MT/day and 9600MT/ year 29

• Expected peak throughput for Terminal Market 800 MT/ day

 TERMINAL MARKET – NAGPUR
• Modern Infrastructure in the Market
1. Central Electronic Auction - Two Halls of 50 Seat each.
2. Mechanized Handling with three Pre-cooling units.
3. Wholesale block cum Godowns (50 big shops)
4. One Electronic Grading-Sorting-Waxing Line for Oranges with State-of-
Art Facility
5. Shrink Wrap Packaging Unit AND Pack-house Facilities
6. Color Vision System Quality Station
7. 2000 MT Cold Storage. 3 Ripening chambers for Banana/Mango of 15
MT each
8. State of Art Testing/Certification Lab R&D center to meet International
SPS standards.
9. Commodity Exchange Platform for Spot Electronic Trading.
10. Environmental Infrastructure-ETP/STP, Gen Set.
11. Provision for Food Processing Unit, Hotel and Social Infrastructure in
phase-II

• Off-market site Infrastructure 30

1. 25 Collection centers providing facilities
2. Sale outlets in ten major cities of India on Franchise Basis
 TERMINAL MARKET – NAGPUR
• Investment Profile
1.Share Capital Rs.1485.11 lakhs
2.Subsidy Rs.1324.00 lakhs
3.Term Loan Rs. 2645.00 lakhs
Total Rs.5454.11 lakhs

• Turnover
- Everyday 5 truck loads (9 MTs) of fruits and vegetables will be
dispatched from each collection center to sale centers.
- On an average the market will operate for 250 days in a year.
- Total quantity handled each sale center would be 11250 MTs.
- All the 10 sale centers will handled 112500 MTs of Fruits and
Vegetables annually.
- The Annual turnover of the sale center would be worth Rs.78.75
Crores
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 AGRI EXPORT ZONES IN
MAHARASHTRA
• Agri Export Zone (AEZ) have been set up to
boost exports of fruits and vegetables in the
State

• Of the nine AEZs proposed, the GoI /APEDA has

approved 8 AEZs.

• Out of this MSAMB is Nodal Agency for 6 AEZs

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 AGRI EXPORT ZONES IN
S. AEZ
MAHARASHTRA
Districts Covered Date of MoU signed
N.
1 Alphonso Thane Raigarh Ratnagiri 12th Feb 2002
Mango Sindhudurg
2 Kesar Aurangabad, Jalna, Beed, 11th April 2002
Mango Ahmednagar, Latur
3 Onion Nasik, Ahmednagar, Pune, 16th Jan 2003
Satara, Solapur, Jalgaon
4 Pomegranat Solapur, Nasik, Sangli, 9th June 2003
e Ahmednagar, Pune, Satara,
Latur, Osmanabad
5 Orange Nagpur, Amravati 4th July 2005

6 Banana Jalgaon, Dhule, Nandurbar, 4th July 2005

Buldhana, Parbhani, Hingoli,
Wardha ,Nanded
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 AGRI EXPORT ZONES IN
MAHARASHTRA
AEZ Alphonso Mango
• MoU signed – 12 th Feb 2002
• Location- Thane Raigarh Ratnagiri Sindhudurg Districts
• Total expected Investment – Rs.3512 Lakhs
• No. of Training Organised- 69
• No. of Farmers trained -3747
• Infrastructure Development by MSAMB
- Export facility Center at Deogadh
- Export facility Center at Ratnagiri
• Additional Export of 44700 MT of Alphonso is expected
over a 7 years period of implementation

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 AGRI EXPORT ZONES IN
MAHARASHTRA
AEZ Kesar Mango
• MoU signed – 11th April 2002
• Location- Aurangabad, Jalna, Beed, Ahmednagar, Latur
districts
• Total expected Investment – Rs.1855 lakhs
• No. of trainings organised -126
• No. of Farmer trained -7836
• Infrastructure Development by MSAMB
- Export Facility Center at Jalna
• Additional Export of 12600 MT of Kesar mango expected
over a 7 years period of implementation

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 AGRI EXPORT ZONES IN
MAHARASHTRA
AEZ – Onion
• MoU signed – 16th January 2003
• Location – Nasik ,Ahmednagar, Pune, Satara,
Solapur,Jalgaon Districts
• Total expected Investment – Rs.3224 lakhs
• No. of trainings organised -121
• No. of Farmer trained -7890
• Infrastructure Development by MSAMB
- Export Facility Center at Indapur
• Additional Export of 59000 MT of fresh onion is expected
over a 5 years period of implementation
• Additional Export of 16775 MT of processed onion products
expected over a 5 years period of implementation
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 AGRI EXPORT ZONES IN
MAHARASHTRA
AEZ - Pomegranate
• MoU signed – 9th June 2003
• Location –Solapur, Nasik Ahmednagar, Pune, Sangli,
Satara, Latur, Osmanabad Districts
• Total expected Investment – Rs.6146 Lakhs
• No. of trainings organised -107
• No. of Farmer trained -7189
• Infrastructure Development by MSAMB
- Export Facility Center at Baramati (under construction
phase)
- Export facility center at Latur (under process)
• Additional Export of 48000 MT of Pomegranate is
expected over a 5 years period of implementation
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 AGRI EXPORT ZONES IN
MAHARASHTRA
AEZ – Orange
• MoU signed – 4 th July 2005
• Location – Nagpur and Amravati Districts
• Total expected Investment – Rs. 2796 lakhs
• No. of trainings organised – 31
• No. of Farmers trained – 2145
• Infrastructure Development by MSAMB
• - Export facility Center at Karanja Dist. Ashti (under
process)
• Additional Export of 31200 MT of orange is expected
over a 5 years period of implementation
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 AGRI EXPORT ZONES
MAHARASHTRA
AEZ – Banana
• MoU signed – 4th July, 2005
• Location – Jalgaon, Dhule, Nandurbar, Buldhana,
Parbhani, Hingoli, Wardha, Nanded Districts
• Total expected Investment – Rs.1028 lakhs
• No. of trainings organised – 18
• No. of Farmers trained – 1005
• Infrastructure Development by MSAMB
Export facility Center at Savada, Dist – Jalgaon
Export facility Center at Vasamat Dist. Hingoli
(both are under process)
• Additional Export of 24350 MT of Banana is expected
over a 5 years period of implementation.

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 INVESTMENT PROFILE IN AEZs
AEZ TOTAL EXPECTED EXPECTED INVESTMENT FROM
INVESTMENT PRIVATE SECTORS
Alphonso Rs 3512 lakhs Processing Units – Rs 150
Mango lakhs
Pack house - Rs 120
Kesar Rs 1855 lakhs lakhs Units
Processing – Rs 110
Mango Total
lakhs - Rs 270
lakhs
Pack house & - Rs 49
Onion Rs 3224 lakhs lakhs Units
Processing – Rs 525
Total
lakhs - Rs 189
lakhs
Pack house & cold storage - Rs 300
Pomegranat Rs 6146 lakhs lakhs Units
Processing – Rs 1950
e Total
lakhs - Rs 825
lakhs
Pack house - Rs 250
Orange Rs 2796 lakhs lakhs
Pack house & Reefer Truck - Rs 171
Total
lakhs - Rs 2200
lakhs
Total - Rs 171210
Banana Rs 1028 lakhs Tissue Culture Lab – Rs
lakhs
lakhs
40
Pack house & Reefer Truck - Rs 218
lakhs
 APNI MANDIES/ HAATS/DIRECT
MARKETING
• Minimum basic infrastructure in haats are
- sheds, auction/sale platforms, proper
flooring, - drainage, provision for drinking
water,
- internal roads, electricity etc.
• Provision under National Horticulture Mission
- Construction of 400 haats in the State over
the next 2 years is Rs. 60 crores.
- During 2005-06 & 2006-07, a total financial
outlay of Rs 1500 Lakhs is proposed.
• Nodal Agency for implementation will be the
Nagar Palika (Municipal body) of the concerned
city/village.
• Private Sectors may approach to Nodal Agency 41
and National Horticulture Mission
 RURAL GODOWNS
• State Ware Housing Corporation and Central Ware Housing
Corporation and the APMCs have set up fairly large
capacities (estimated at 40 lakh MT)

• There is still large scope for more storages.

• The Government of Maharashtra has named the MSAMB as

the nodal agency for promoting godowns under the Gramin
Bhandaran Yojana.

• The total fund requirement for setting up 20 lakhs MT

storage capacity Godowns is estimated at Rs. 40000 Lakhs.

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 COLD CHAIN
• To reduce post harvest losses substantially and
supply quality produce for consumers, both
domestic and international, a comprehensive
cold chain is suggested in the State. Keeping in
view the expected market surplus of fruits and
vegetables by 2007 and available cold storage
capacity, the Task Force recommends creation
of an additional capacity of 56.50 lakhs tons
during 10th plan.

• The cost for setting up supply chain including

construction of cold storage, reefer vans, zero
energy chambers, modifications of existing cold
storage etc. is Rs 20800 lakhs.
43
 PERISHABLE AIR CARGO HANDLING
COMPLEX
• Air cargo center- an important link in the export of fresh
fruits and vegetables out of India.
• At Air cargo center value addition takes place through -
washing, sorting, grading, packaging, as needed pre-
cooling and cold storage to enhance shelf life.
• Attached to this center SPS and Residue Testing centers
are proposed.
• Thus all these functions are proposed in a Perishable
Cargo Handling Complex.
• Such Perishable Cargo Handling Complexes are proposed
to set at Terminal Markets at Mumbai, Nagpur and Pune.
• In all the Perishable Cargo Handling Complexes are
expected to cost around Rs 4800 lakhs
44
 CONTRACT FARMING
• Successful examples of Contract Farming can be seen in
various parts of Maharashtra.
1. Wine producers contracts with various grape growing farmers on
a large extent.
2. Pepsico Company contracts with potato growing farmers in Pune
& Nasik districts.
3. Venkatesh Hatcheries does contract farming in poultry business
in Pune & Nagar districts.
4. The Sugarcane Growers enter into contracts with the Sugar
Factories to sell there sugarcane & obtain seeds, fertilizers &
technology from the sugar factories.

• In Maharashtra, there is a large scope to enter into contract

farming agreements..

• Due to contract farming there will defiantly be benefits to the

farmers, processors, exporters & retail chain operators of
Maharashtra. 45
 SUMMARY
The proposed investment in creating Marketing Infrastructures in
Maharashtra is summarized as below.
SN Particulars Total Cost
Rs in Lakhs
1 Terminal Market at Mumbai and Nasik 25996.00
2 Investments in Agri Export Zones 4083.00
3 Apni Mandies / Haats / Direct Marketing 1500.00
4 Rural Godowns 40000.00
5 Cold Chain 20800.00
6 Perishable Air Cargo Handling Complex 4800.00
Total 97179.00

• Thus there is an opportunity to invest Rs 971 Crores to establish the

above marketing Infrastructures.
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• As much investment is expected from Private Sectors
LET US JOIN HANDS TOGETHER
AND
REACH OUR GOALS

MAHARASHTR
A
INVESTORS

THANK YOU 47