Tag: NPCI

  • India, Singapore working to broaden digital cost hyperlink

    New Delhi: India and Singapore are set to broaden the scope of their digital cost hyperlink after they introduced the landmark linkage between India’s Unified Payments Interface (UPI) and Singapore’s PayNow, in line with individuals conscious of the matter.

    The nations need to add extra banks to the digital funds hyperlink, increasing the variety of banks to 14 from the current six that may obtain remittances from Singapore.

    One of the 2 folks conscious of the event stated a minimum of eight Indian banks can be added to obtain remittances from Singapore, which might be a step up from the bilateral tie-up earlier this 12 months. In February, each nations introduced the funds platform linkage to ease the circulate of remittances.

    According to the National Payments Corporation of India (NPCI), the six Indian banks collaborating within the scheme are Axis Bank, DBS Bank India, ICICI Bank, Indian Bank, Indian Overseas Bank and State Bank of India.

    All six can obtain remittances from Singapore via the linkage. With the exception of Axis Bank and DBS Bank, the opposite 4 may also ship remittances via the linkage.

    Queries to the ministry of finance and NPCI didn’t elicit a response.

    “The linkage gives a handy (24/7), real-time, safe, and cost-effective means for purchasers of collaborating banks and non-bank monetary establishments (NFIs) to switch funds throughout borders. An Indian UPI person (who’s a participant within the linkage) will have the ability to ship cash to a person of Singapore’s PayNow member (who’s a participant within the UPI-PayNow linkage) utilizing the Singapore person’s cellular quantity or Virtual Payment Address (VPA),” reads the website of NPCI.

    “Conversely, a user of Singapore’s PayNow will be able to send money to an Indian UPI user using the Indian User UPI ID,” the web site stated.

    These strikes come within the backdrop of India’s bigger UPI export technique.

    Ritesh Shukla, the chief government officer of NPCI International Payments, instructed Mint that the variety of nations the place UPI is dwell is predicted to double inside the subsequent 12-18 months.

     

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    Updated: 18 Oct 2023, 09:52 PM IST

  • SBI Card permits RuPay bank cards on UPI. Here is learn how to hyperlink

    SBI Card, India’s largest pure-play bank card issuer, and National Payments Corporation of India (NPCI) have introduced the linking of SBI bank cards on the RuPay platform with UPI. Starting 10 August 2023, SBI Card prospects will be capable of make UPI transactions by means of their bank cards issued on RuPay. The performance may be availed by registering the bank card with third-party UPI apps. This will additional improve the avenues for purchasers utilizing SBI Card on the RuPay platform on UPI retailers, thus facilitating enhanced, handy, and seamless funds expertise.

    “With this performance, the SBI Card prospects will be capable of use their SBI Card-issued RuPay bank cards on the UPI platform. Today, UPI has grow to be an enormous digital platform enabling thousands and thousands of transactions on daily basis. This ought to give our prospects larger flexibility and mobility together with hassle-free utilization. With this, the trade will witness a major improve in bank card utilization,” Rama Mohan Rao Amara, MD&CEO, SBI Card stated.

    “The addition of SBI RuPay Credit Cards on UPI rails is a giant milestone within the progress trajectory of digital funds in India. This partnership will allow seamless UPI funds for SBI RuPay credit score cardholders, offering them a digitally enabled bank card lifecycle expertise. With the rising demand for bank cards within the nation, it turns into crucial to repeatedly construct modern fee options similar to linking RuPay Credit Cards with UPI, which can be handy, swift, and safe,” Dilip Asbe, MD & CEO, NPCI, said.

    Cardholders can enroll their active primary cards on UPI and make payments to merchants (P2M transactions) using their credit cards. This facility is free for customers. To ensure successful credit card linking with UPI, it is important to note that the cardholder’s mobile number registered with SBI Card should also be linked with UPI.

    Simple steps to link your SBI Card-issued RuPay Credit Card on UPI

    -Download the preferred UPI Third Party Application from the Play /App Store.

    -Verify your Mobile Number on the UPI App and complete registration.

    -Post successful registration, select the option “Add Credit Card/ Link Credit Card”.

    -Select “SBI Credit Card” from the checklist of Credit Card issuers.

    -Select your SBI RuPay Credit Card to be linked.

    -Enter the final 6 digits of your bank card and expiry date when prompted.

    -Proceed to set your 6-digit UPI PIN.

    To make Point of Sale (PoS) funds with UPI in your Credit Card

    -Scan service provider UPI QR Code in your most popular UPI-enabled third-party app.

    -Enter the quantity to be paid.

    -From the dropdown, choose your SBI RuPay Credit Card linked with UPI.

    -Enter a 6-digit UPI PIN to authorise the transaction.

    To make fee to an e-Commerce service provider utilizing UPI in your Credit Card

    -Select the UPI-enabled app linked along with your Credit Card as fee mode on the service provider web site/app.

    -Log in to the UPI-enabled app and choose the registered SBI RuPay Credit Card from the checklist of accessible accounts.

    -Confirm the fee utilizing your 6-digit UPI Pin.

    -Payment affirmation can be displayed.

    -Once the fee is completed, you’ll be redirected to the service provider web page.

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    Updated: 11 Aug 2023, 08:15 AM IST

  • Charges on UPI transactions: Paytm has an necessary replace for its prospects

    In its newest round, the National Payments Corporation of India (NPCI) introduced that it’s going to begin charging “Prepaid Payment Instruments (PPI)” charges on service provider transactions on Unified Payments Interface (UPI) beginning April 1. The governing physique stated that the PPI charges could be levied on transactions above ₹2,000 on UPI funds accomplished by way of GPay, Paytm and different apps. It will lead to an interchange at 1.1% of the transaction worth.

    Within hours of the announcement, miscreants have began spreading rumours about UPI app customers being charged for making on-line funds. Now, Paytm Payments Bank, in a Twitter submit has clarified that the interchange charges won’t be relevant on prospects. This implies that customers won’t be required to pay any additional cost on making funds from UPI both by way of checking account or Paytm pockets.

    “Regarding NPCI round on interchange charges & pockets interoperability, no buyer can pay any fees on making funds from #UPI both from checking account or PPI/Paytm Wallet. Please don’t unfold misinformation. #Mobile funds will proceed to drive our economic system ahead!” learn the submit shared by the official Twitter deal with of Paytm Payments Bank.

    In its round, NPCI stated that the charges won’t be relevant to person-to-person transactions or person-to-merchant transactions between a financial institution and the pay as you go pockets. The interchange price is levied to cowl the prices of accepting, processing, and authorising transactions. This is more likely to make the transaction costlier. The new rule can be applied from 1 April.

    The issuer of pay as you go devices can even be required to pay 15 foundation factors of the price to the remitter financial institution for loading a transaction worth above ₹2,000, the round stated.

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  • NRIs from these 10 nations will quickly have the ability to make UPI funds

    Non Resident Indians (NRIs) will quickly have the ability to make funds in Unified Payments Interface (UPI) with out having to get an Indian cellular quantity. The National Payments Corporation of India (NPCI) has allowed NRIs in 10 nations to digitally switch funds utilizing the UPI platform from NRE/NRO accounts.

    NRIs with NRE (non-resident exterior) or NRO (non-resident bizarre) accounts in 10 nations can entry UPI companies for transactions utilizing their worldwide cellular numbers.

    The NPCI stated it has been receiving requests for permitting non-residents to make use of worldwide cellular numbers for transacting in UPI.

    Accordingly, the NPCI has given accomplice banks time until 30 April to adjust to the instructions beneath which non-residents having NRE/NRO accounts will likely be allowed to switch funds utilizing their worldwide cellular numbers.

    Which are these 10 nations?

    To start with, NPCI will likely be enabling transactions from cellular numbers having nation codes of Singapore, Australia, Canada, Hong Kong, Oman, Qatar, USA, Saudi Arabia, United Arab Emirates, and the United Kingdom, together with the present home nation code.

    View Full Image

    This facility will likely be out there to NRIs in 10 nations.

    The NPCI, which operates the UPI platform, said: “To begin with, we shall be enabling transaction from mobile numbers having the country code of (10 nations)… and shall extend for other country codes in near future…”.

    This facility could also be prolonged to different nation codes in future.

    The solely situations are that the accomplice banks guarantee such accounts are allowed based on the Foreign Exchange Management Act (FEMA) laws, comply with the rules of the Reserve Bank of India (RBI) sometimes.

    Also, all needed anti-money laundering or combating of financing of terrorism checks and compliance validation based on the principles should be ensured by the remitter and beneficiary banks.

    An NRE account helps NRIs switch international earnings to India, whereas an NRO account helps them handle the earnings earned in India.

    The growth will assist worldwide college students, household dwelling overseas and native companies, officers have stated.

    Payments Council of India Chairman Vishwas Patel stated the foremost comfort issue could be within the type of ‘fee/cash switch comfort’ for NRIs after they go to India.

    Sarvatra Technologies Founder MD Mandar Agashe stated all these years, NRIs couldn’t entry the UPI community since SIM binding, which is a crucial safety characteristic of UPI, was out there solely to Indian SIM card telephones.

    “NRIs will just need to link their NRE and NRO accounts linked to their international SIM to UPI and use it like any ox`ther Indian UPI user for merchant payment as well as peer-to-peer payments,” Agashe said.

    All about UPI

    UPI is an immediate real-time fee system, which is now processing extra peer-to-merchant (P2M) transactions than peer-to-peer (P2P) transactions, in quantity phrases. The transaction is finished by way of cellular in straightforward steps. Besides, there aren’t any costs relevant for UPI transactions.

    UPI was earlier largely used for P2P transactions. However, the development has reversed within the final two years for the reason that Covid-related restrictions. Now, it’s the most most well-liked fee mode for P2M transactions.

    The cheap medium for cashless transactions has been gaining traction month-on-month and 381 banks are reside on it.

    There has been an enormous leap in UPI funds in simply six years. UPI transactions touched a file excessive of ₹12.82 lakh crore in December 2022.

    In November final yr, round 730.9 crore transactions value ₹11.90 lakh crore had taken place by way of UPI.

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  • PSUs, state our bodies drive AI-based chatbot adoption in India

    NEW DELHI : Public sector organizations and authorities businesses are main the adoption of synthetic intelligence (AI)-based chatbots in India, utilizing them for numerous actions starting from citizen engagement to ticket reserving and customer support. While authorities our bodies nonetheless lag their world counterparts in AI adoption, specialists mentioned the expansion of chatbots within the public sector started through the pandemic and has continued since.

    The vary of deployments embrace our bodies such because the National Payments Corp. of India (NPCI), Indian Railways, Bangalore Metro Rail Corp. Ltd (BMRCL) and Bharat Petroleum Corp. Ltd (BPCL), that are more and more utilizing these automation platforms to reply person queries and even settle for bookings.

    On 1 November, BMRCL launched an automatic textual content platform on WhatsApp. Developed by homegrown AI dialog service supplier Yellow.ai, the platform affords ticket and metro rail cross reserving. Users can enquire about routes and ticket costs, and register their unified funds interface (UPI)-linked financial institution accounts to purchase tickets and passes for journeys.

    Rashid Khan, co-founder and chief product officer of Yellow.ai, mentioned that since its introduction, BMRCL’s WhatsApp platform has seen greater than 15 million messages exchanged on the platform, onboarding greater than 100,000 customers on this interval.

    “We are seeing a minimum of 10,000 new customers being added to the service each week, and the bilingual service has to date seen about 30% of utilization in Kannada, with the remaining being in English,” Khan added.

    Yellow.ai has around 10 active clients from governments and public sectors, including BPCL and the Madhya Pradesh State Electricity Board. It expects to earn about 30% of its revenue from government and public sector projects by FY24.

    Other companies offering conversational automation services such as Bengaluru-based Gupshup are also adding fresh clients. Beerud Sheth, chief executive of Gupshup, said the company is working with bodies like NPCI, for which it built ‘DigiSaathi’ in May this year—a chatbot service for customers to find information on resolution of issues with digital payments, on WhatsApp.

    In March, Gupshup built ‘Conversations on the move’ for the Central Railways, a chatbot designed for user entertainment on select train routes. The service is presently available on 10 trains, and offers passengers infotainment on journey locations. “Government bodies are realizing that for users in emerging markets such as India, chat apps and platforms are super apps—where users do payments, content sharing and more, apart from just conversations. There is a natural evolution process where chatbot adoption is picking up, since this gives users’ great convenience,” Sheth mentioned.

    Yellow.ai’s Khan concurred, stating that with the ability to supply multi-language dialog platforms by way of chat providers has far better worth than asking customers to entry web sites.

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  • PhonePay permits prospects to activate UPI with Aadhar: How will it profit?

    PhonePay, an on the spot fee platform, has enabled UPI activation with Aadhar card utilizing the OTP authentication. According to the fee app, it’s the first UPI TPAP app which has rolled out the Aadhar primarily based UPI onboarding course of. This signifies that customers can select the Aadhar card choice on the PhonePe app for the onboarding course of they usually might want to enter the final six digits of their Aadhar to start out the onboarding course of, as an alternative of offering debit card particulars.

    Deep Agarwal, Head of Payments, PhonePe, mentioned, “We are excited to be the primary fintech platform to supply Aadhar primarily based authentication for our customers, making the UPI onboarding flows much more easy and inclusive. We imagine this can be a very progressive transfer by RBI, NPCI and UIDAI and is a superb instance of the digital monetary inclusion that UIDAI’s Aadhaar program has been capable of drive.”

    According to Agarwal, the brand new onboarding course of utilizing the Aadhar will assist develop the general UPI ecosystem, and likewise onboard new prospects to the digital funds fold. “UPI has develop into a world instance, and international locations internationally need to implement it. Going ahead, we’re intently working with NPCI to take UPI worldwide,” provides Agarwal.

    Earlier, within the UPI onboarding circulation, it was necessary to offer a debit card to arrange a consumer’s UPI PIN for the registration course of. This restricted entry to individuals who didn’t have their debit automobile prepared with them. Now, the Aadhar primarily based e-KYC circulation has simplified the onboarding means of registration.

    PhonePay customers can select the Aadhar card choice on the PhonePe app for the onboarding course of they usually might want to enter the final six digits of their Aadhaar to start out the onboarding course of. These customers would obtain an OTP from UIDAI and their respective financial institution to finish the authentication steps.

    “The addition of Aadhaar onboarding for UPI will put off this restriction, and permit beforehand under-served populations to expertise the comfort and advantages of digital funds,” acknowledged the corporate in a press release.

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  • Zaggle, NPCI accomplice to launch a number of bank cards on RuPay community

    NEW DELHI: Zaggle, a worthwhile SaaS FinTech firm and a pioneer in digitizing enterprise spends, has collaborated with National Payments Corp. of India (NPCI) to concern contactless bank cards on the RuPay community.

    Zaggle and NPCI together with accomplice banks would use this platform to launch a number of bank cards to handle the ever-growing demand of corporates, SMEs, and shoppers. The playing cards could be enabled for worldwide in addition to home transactions, making enterprise journey handy and simple. Besides, customers would have the ability to use this bank card for contactless transactions as properly.

    Avinash Godkhindi, MD & CEO, Zaggle, stated, “Through our bank cards, we intend to supply entry to credit score to largely underserved Indian shoppers. The Indian market stays pretty under-penetrated and whereas there are challenges to progress as a result of on-going geo-political disaster, we’re seeing regular demand throughout corporates, SMEs and shoppers…”

    Zaggle would focus on enhancing user journey through digital onboarding and instant issuance along with intuitive in-app customer experience, spend insights, credit score, etc. This would be supplemented by product innovations like gamification, customised partner offers, and other ancillary services. The customers would also be rewarded with cashback points, accelerated reward points, air miles, and various other exciting offers and discounts.

    Raj N, founder and chairman, Zaggle, said, “RBI’s announcement to link credit cards with UPI will provide a huge boost to this segment. Recently India witnessed nearly 9.4 billion transactions of ₹10.25 trillion led by Unified Payment Interface (UPI), and this suggests the huge opportunity that India offers. We are excited about our partnership with the NPCI and the launch of multiple credit cards will enable us to fulfil customer requirements providing them with several benefits and rewards. The Indian spend management market provides an addressable opportunity of nearly $1 trillion and through our innovation led-partnerships, we will continue to revolutionise credit offerings for our customers.”

    Zaggle intends to mix bank cards as cost options to their spend administration software program offering the companies with a holistic worth proposition. The playing cards and software program could be obtainable as tightly built-in options for patrons to handle their distinctive necessities.

    Saurabh Puri, chief enterprise officer-Credit Cards, Zaggle, stated, “The adoption of credit score merchandise is rising at a quick tempo within the nation and we see big headroom for credit score progress. The launch of the bank cards in collaboration with NPCI is in keeping with quickly evolving shopper preferences and life. The focus of the bank cards can be to reinforce the person journey through digital on-boarding, immediate issuance and In-App buyer expertise and the shoppers can be rewarded with advantages like cashback factors, accelerated reward factors, air miles and plenty of extra. Business journey will change into a lot simpler because the playing cards will allow worldwide and home contactless transactions. We are in sync with the RBI’s imaginative and prescient of ‘less cash’ economic system and our providing of a number of bank cards on RuPay community will assist construct a digital India.”

    Gaurish Korgaonkar, Head – Fintech and Corporate Business, NPCI, stated, “…These playing cards can be enabled for home in addition to worldwide transactions and therefore, will play a pivotal position in aiding the necessities of enterprise travellers. At NPCI, we always intention to innovate and increase an already intensive line of services and products focused in the direction of boosting digital spends and expediting the creation of a cashless economic system.”

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  • NPCI launches program to attach with payments-oriented service suppliers

    National Payments Corporation of India (NPCI) has launched NPCI Partner Program (NPP) to collaborate with varied technological service suppliers, utility service suppliers, and different related entities within the business.

    This one-of-a-kind initiative will assist in constructing new choices which are higher aligned with the wants and calls for of the up to date market. It additional goals to reinforce the retail funds ecosystem by bringing down the time to market and being extra clear and accessible.

    The program may also act as a knowledge-sharing platform with unique workshops on NPCI services, participation in NPCI pilot initiatives, and constructing a market via neighborhood engagement. It will additional allow service suppliers to co-create together with NPCI and can speed up strategic partnerships throughout the ecosystem which can play a significant function in fixing new challenges within the ever-evolving market dynamics of cash-free funds.

    The program will search participation from cost technology-oriented organisations throughout the ecosystem. These entities will first be evaluated for his or her fitment and compliance, publish which they will apply for pre-certification of their tech stack on NPCI platforms. The members will get early entry to ready-to-test APIs and specs for core growth and deployment. Furthermore, by leveraging the relationships, this system will assist NPCI and associate organisations expose their manufacturers to new audiences, driving elevated consciousness.

    Nalin Bansal, chief of company, fintech relationships and key initiatives, NPCI stated, “We are delighted to launch our new Partner Program which can assist join us with revolutionary and dependable payments-oriented enterprises. Through this program, we goal to design, co-create and go to market with such enterprises beneath the NPCI Partner Program. Going ahead, we goal to drive newer and advanced options for the ever-expanding digital funds market via partnerships.”

    NPCI is dedicated to fructifying this initiative into additionally creating and selling ‘Make in India’ entities which were the pillar of progress of digital funds within the nation.

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  • Wary of international gamers’ duopoly in UPI market, MPs plan to boost concern in Parliament

    With the funds by varied UPI apps quick turning into the norm of the day, regulators and even lawmakers have gotten cautious of a robust duopoly available in the market and that too of foreign-owned entities.

    As per the newest knowledge from the National Payments Corporation of India (NPCI), which is pushing for capping the market share of every participant at 30 per cent, there have been greater than 5 dozen UPI (Unified Payments Interface) apps registered within the nation on the finish of June 2022 and collectively they accounted for five.8 billion transactions with a complete worth of over Rs 10 lakh crore throughout the month.

    However, the top-two gamers — Walmart-owned PhonePe and Google’s G-Pay — accounted for greater than 81 per cent of the entire quantity and almost 84 per cent of the worth.

    Adding PayTM, the share of the top-three gamers rose even additional to 96 per cent.

    Amazon Pay, one other international participant, which usually figures within the high 5, has additionally been in search of to develop its market aggressively nevertheless it instructions nearly 1 per cent for now.

    WhatsApp has additionally been attempting to make inroads on this area however has bought restricted share to date.

    Multiple MPs, together with some from the ruling celebration BJP, stated they plan to boost the difficulty in Parliament throughout the upcoming monsoon session and likewise in conferences of related Parliamentary panels.

    None of them agreed to be recognized, saying a proper place is but to be taken on the matter by their respective events.

    While the market gamers are required to scale back their market share to inside a regulatory cap of 30 per cent by January 2023, some are already lobbying arduous to get the deadline prolonged.

    The MPs stated that it isn’t good for a couple of gamers to dominate this essential market and extra so not when the dominance is of international entities and there might be systemic dangers.

    As per the NPCI knowledge, the scenario was not like this at first.

    In the primary quarter of fiscal yr 2016-17, since when the information is offered, all high 5 gamers had 9-10 per cent market share, nevertheless it began altering from the next quarter itself with two of them getting over 15 per cent every. By the fourth quarter of that yr, the highest participant had over 45 per cent and the second 35 per cent.

    In the third quarter of the next yr, the highest participant had bought greater than 61 per cent, although it fell quickly and remained within the vary of 33-36 per cent until the second quarter of 2019-20, earlier than rising once more to greater than 40 per cent for a number of quarters now.

    The high two gamers have been commanding greater than 80 per cent market share collectively for a very long time now, an MP identified citing the NPCI knowledge.

    In the UPI ecosystem, rules are nonetheless evolving they usually principally experience on compliances of sponsor banks.

    NPCI got here out with customary working procedures for UPI apps in March 2021, during which it known as for a 30 per cent quantity market share cap for them in order to even out the distribution of market share alongside all members.

  • Paytm Money permits HNI buyers to bid greater quantity of as much as ₹5 lakh for IPOs

    NEW DELHI: One97 Communications Ltd. (OCL) has stated that its wholly-owned subsidiary–Paytm Money Ltd.–will assist excessive net-worth people (HNIs) to put greater bids of as much as ₹5 lakh for preliminary public choices (IPOs) by UPI. The Unified Payments Interface (UPI) is an instantaneous real-time fee system developed by National Payments Corp. of India (NPCI).

    As per the corporate, it’s the first amongst low cost brokers within the nation to launch this service of permitting HNIs to bid greater quantities by way of UPI.

    According to the press launch, the launch of the HNI funding service is consistent with a Securities and Exchange Board of India (Sebi) round dated 5 April. The round mandated greater investments of as much as ₹5 lakh by NPCI UPI as towards the earlier restrict of ₹2 lakh per person. This change comes into impact for all IPOs after 1 May 2022.

    This transfer by Paytm Money will present a substitute for its HNI prospects, who at present have to use by the financial institution ASBA route for greater investments. ASBA or the Application Supported by Blocked Amount requires investor to make an software to the financial institution to dam funds obtainable within the applicant’s financial savings checking account or present account, aside from overdraft or mortgage accounts, for subscribing to a problem, until finalisation of allotment within the subject or until withdrawal/ failure of subject or software.

    Varun Sridhar, CEO, Paytm Money, stated, “The addition of the HNI investor class will permit retail buyers to put greater IPO bids by NPCI UPI in a handy and seamless method. This new service has been launched in view of the rising urge for food for high-value IPOs amongst Indian buyers and comes at a perfect time, proper forward of the much-awaited LIC IPO.”

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