🩵 APPEAL No. 113 – 36 Days to Go – Shri Ratan Tata Birthday

 December 28 – Shri Ratan Tata Birthday

Proposed State Observance
Visionary Entrepreneurs Day — Dream • Build • Lead

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Citizen Appeal from Bengaluru

📅 Proposed Observance: December 28 – Shri Ratan Tata Birthday
🌿 Theme: Visionary Entrepreneurs Day – Dream • Build • Lead
💳 Lighting Andhra Pradesh’s Path of Innovation – 2025 Appeal Series

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⚖️ Disclaimer

A citizen-led public appeal posted independently, with no official affiliation to the Government of Andhra Pradesh or the Ratan Tata Innovation Hub (RTIH).

It reflects one belief — that Andhra Pradesh can lead India in celebrating innovation rooted in ethics, dignity, and purpose.

 

The Citizen Advocate Summary: Declaring April 11 as Safe ePay Day, please read all the Appeals here movethebarrier.blogspot.com/April11

36 Days to December 28 — Advancing the Ratan Tata Museum Vision

Appeal No. 113 continues the 7-day Ratan Tata Museum Dream series, inspired by World Fisheries Day. This citizen-led appeal highlights coastal livelihoods, ethical leadership, and the proposal to declare December 28 as Shri Ratan Tata Birthday Observance Day.

📘 Introductory Note

Andhra Pradesh continues to move through a phase of civic renewal and confidence-building.

Across governance, education, and industry, one theme keeps strengthening:
development must protect dignity — especially of those who keep the economic engine running through their labour and skill.

Four developments highlight this collective momentum:
1️⃣ Yoga Day in Vizag
A reminder that public wellness is a foundation of long-term progress.

2️⃣ Go Live of RTIHs
The innovation ecosystem is no longer aspirational — it is operational, accessible, and youth-oriented.

3️⃣ PM’s Praise for the Super GST – Super Savings Fest
National recognition of Andhra Pradesh’s citizen-benefit-driven governance.

4️⃣ RTIH Hub + Five Spokes Launch
A state-wide engineering and design lattice enabling purposeful innovation at scale.

These pillars strengthen the case for December 28 as a State Observance —
a day to honour humility, moral courage, and design-led nation-building inspired by Shri Ratan Tata.

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✨ Today’s Inspiration — Shri Nara Lokesh Garu on World Fisheries Day

Today’s inspiration comes from Shri Nara Lokesh Garu’s message on World Fisheries Day — a direct reflection of governance rooted in dignity for livelihoods.

His commitment to relief, stability, and protection for fishermen highlights three crucial values:

• Governance must protect those who protect us through their work
• Livelihood dignity is a non-negotiable responsibility
• Policy action becomes meaningful only when it reaches families at the margins

This ethos mirrors the life of Shri Ratan Tata —
a leader whose decisions consistently protected jobs, respected communities, and placed people above profit.

For a State building a future around innovation, empathy, and long-term trust, today’s message aligns beautifully with the values December 28 seeks to honour.

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🕊️ Today’s Focus — Ratan Tata Museum Dream (Day 2 of 7)

Day 2 Theme: Dignity of Labour • Dignity of Innovation

Continuing the seven-day series, today’s angle looks at work, skill, and silent contributions — values embodied by fishermen, engineers, artisans, mechanics, technicians, and youth innovators.

The Ratan Tata Museum can become a national tribute to this idea:
that every form of work, when done with integrity, is nation-building.

The Museum as a Dignity-of-Labour Space

1.    Exhibits on Work Ethics & Nation-Building
Stories of Tata workers, engineers, factory teams — showcasing teamwork, safety culture, and dignity in manufacturing.

2.   Youth Galleries on Design + Craftsmanship
Inspired by the “maker spirit” — encouraging young people to build with pride and humility.

3.   Coastal Innovation & Livelihood Pavilion
Dedicated sections on fishing communities, marine tech, sustainability, and blue-economy innovation.

4.   Values Hall — Humility, Courage, Empathy
A permanent installation reflecting the leadership principles that guided Shri Ratan Tata’s decisions.

This is not just a museum.
It is a national classroom on values, rooted in lived experiences, not theory.

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💠 Part A — To Shri Nara Lokesh Garu

Respected Lokesh Garu,

Your World Fisheries Day message conveyed a profound governance principle — that livelihoods, no matter how humble or traditional, deserve unwavering respect and protection.

December 28 — Shri Ratan Tata Birthday — also embodies this spirit.
Declaring this day as Visionary Entrepreneurs Day will:
• Strengthen the State’s identity as a leader in ethical, empathetic governance
• Inspire students to value both innovation and humility
• Encourage responsible entrepreneurship that honours people, not just profit
• Showcase Andhra Pradesh as a State that balances innovation with livelihood dignity

The Ratan Tata Museum Dream — continued today — aligns naturally with this vision of compassionate governance.

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💠 Part B — To RTIH CEOs & Network

The RTIH ecosystem now carries the responsibility of shaping youth who build with purpose.

The museum, envisioned as a long-term complementary institution, can:
• Support RTIH learning pathways through workshops and design labs
• Serve as a values-based innovation centre
• Enable coastal innovation and sustainability exhibits
• Function as a narrative bridge between engineering, ethics, and entrepreneurship

Today’s message on fisheries livelihoods strengthens this alignment —
innovation must respect tradition, and progress must uplift communities.

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🌿 Closing

From Bengaluru, I continue this daily appeal with sincerity, optimism, and resolve.

The dream is gaining shape.
The vision is gaining voice.
The purpose is gaining momentum.

Let December 28 stand for:
Visionary Entrepreneurs Day — Dream • Build • Lead.

💳 Lighting Andhra Pradesh’s Path of Innovation – 2025 Appeal Series

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✍️ Nayakanti Prashant
Citizen Advocate – Safe ePay Day
💳 April 11 – Safe ePay Day (Proposed)
✨ UPI’s 10th Birthday – April 11, 2026
🌐 The Joy of Safe ePayments

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“Let’s make April 11 a global symbol of care — in payments, in protection, in progress.”
And yes — no Vada Pav 🍔
till Safe ePay Day takes off in flight! 😄

🌿💳🧠🌍Appeal  for Safe ePay Day 🌟

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📚 References

1️⃣ Nayakanti, P. (2025, Sept 7). National Buy a Book Day and Safe ePay Day Medium
2️⃣ Nayakanti, P. (2025, Aug 13). 218th Lalbagh Flower Show via RV Road Interchange! Blogger
3️⃣ LinkedIn Profile

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🪞 Disclaimer:

The only Joy is “Joy of Safe ePayments.” Nothing More – Nothing Less.

THE STORY OF KOTAK - Marking 40 Years of Finance, Innovation & Digital Transformation

 40 Years. One Vision. Infinite Momentum

• From a ₹30-lakh beginning in 1985, Kotak grew into one of India’s defining financial institutions.
• In 2003, it became the first NBFC in India to convert into a commercial bank.
• Over four decades, Kotak built a diversified ecosystem across banking, investments, insurance, and capital markets.
• The digital era accelerated this growth — from UPI and virtual credit cards to fully digital onboarding.
• Today, as Kotak completes 40 years, it stands at the intersection of trust, innovation, and India’s digital future.

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🔰 Disclaimer

I am professionally associated with Kotak Mahindra Bank. The views, interpretations, and narrative presented below are entirely personal and created for general informational and storytelling purposes only.

This content does not represent official communication, strategy, or endorsement from Kotak Mahindra Bank or any of its subsidiaries.

Four Decades of Kotak — The Evolution of Trust & Technology

Explore Kotak’s 40-year journey from a ₹30-lakh start to a diversified financial powerhouse. Key milestones, subsidiaries, UPI innovation, and the road ahead.

 

🎬 The Prologue — Where It All Began

1985.         

India was different.
Finance was slow, paper lived longer than decisions, and banking felt distant and formal.

Against this backdrop — in a small, determined corner of Mumbai — a ₹30-lakh dream took its first breath.

There were no spotlights.
No television interviews.
No startup buzzwords.
Just a sharp mind, a disciplined philosophy, and an ambition that didn’t need noise to make its presence felt.

This wasn’t a beginning born out of luck.
This was a beginning carved — deliberately, steadily, and quietly.

What followed would not just be the rise of a financial enterprise.
It would be the growth of an institution that would eventually sit at the crossroads of trust and innovation, shaping how India transacts, invests, protects, and pays.

And in 2003 — a moment that still stands tall in Indian financial history — Kotak Mahindra Finance Ltd. became the first NBFC in India to convert into a commercial bank.
A turning point.
A milestone.
A declaration.

The Bank was born.
And with it, a new chapter in Indian banking.

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1. A 40-Year Journey: From ₹30 Lakh to a Financial Powerhouse

Kotak’s evolution is not the story of overnight success.
It is the story of compounding discipline.

From 1985 to 2003, the organisation navigated cycles, reforms, liberalisation, market expansion, and customer shifts — each year strengthening the core philosophy of prudence and purposeful growth.

The conversion into Kotak Mahindra Bank in 2003 unlocked a new horizon.
Now, Kotak wasn’t just participating in India’s financial system — it was helping build it.

Forty years later, Kotak stands as a diversified ecosystem with presence across equity, credit, insurance, asset management, lending, and institutional banking.

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2. The Kotak Ecosystem — Subsidiaries as Storylines

Every major Kotak subsidiary is not just a business unit —
it’s a chapter in a larger narrative.

Each subsidiary reflects a different facet of India’s evolving financial needs, and each one plugs into the digital payments rails that modern India now runs on.

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a) Kotak Securities Ltd. — Democratising Investments

One of India’s largest retail & institutional broking platforms.
Digital connection:

• Instant UPI funding for trading accounts
• Seamless IPO bidding via UPI ASBA
• Digital KYC and onboarding at national scale

Kotak Securities is proof that investing has become mobile-first, accessible, and real-time.

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b) Kotak Mahindra Life Insurance Company Ltd. — Protecting Aspirations

Focused on long-term protection and savings.
Digital connection:

• UPI AutoPay for premiums
• Instant receipts
• Completely paperless onboarding
• Higher persistency through structured digital reminders

Life insurance and digital payments have quietly become inseparable.

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c) Kotak General Insurance — Redefining Convenience

Motor, health, property, and travel coverage.
Digital connection:

• Instant claim payouts to bank accounts
• UPI-based premium collection
• Cashless approvals supported by real-time verification

The faster the payment rails, the faster the relief during claims.

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d) Kotak Mahindra Asset Management Company (KMAMC) — Investing for India

Managing the Kotak Mutual Fund.
Digital connection:

• SIPs fueled by UPI AutoPay
• E-mandates replacing paperwork
• Instant NAV-based purchase confirmations

Digital rails have made long-term investing as simple as tapping a button.

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e) Kotak Mahindra Prime Ltd. — Financing Mobility

Car loans, commercial vehicles, and leasing.
Digital connection:

• App-based EMI reminders
• Online loan servicing
• Instant repayment options through UPI / net banking

The automotive financing experience is now frictionless.

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f) Kotak Mahindra Investments Ltd. — Structured Finance Engine

Supporting high-value corporate and institutional credit.
Digital connection:

• Real-time treasury settlements
• Automated reconciliation
• Digitised disbursements

Even large-scale institutional finance depends deeply on digital rails today.

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g) Kotak Investment Banking (KMCC) — Powering India’s IPO Markets

Leading mandates across IPOs, M&A, and capital markets.
Digital connection:

• UPI ASBA has revolutionised IPO participation
• Instant payment blocks and reversals
• Higher transparency for investors

Kotak sits at the intersection of capital markets and digital innovation.

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3. Payments Through the Decades — Running Parallel to Kotak’s Rise

India did not become a digital payments powerhouse overnight.
It happened over phases — and Kotak evolved with each phase.

1990s–Early 2000s — Cheques & RTGS Era

Kotak’s early business verticals depended on faster settlements, and RTGS/NEFT adoption became a strategic enabler.

2003–2010 — The Internet Banking Revolution

As Kotak became a bank, digital channels emerged:

• Internet banking
• Card-based payment rails
• SMS alerts and real-time authentication

2010–2016 — India Goes Smartphone-First

Digital became central:

• Mobile apps
• Instant payments via IMPS
• Early fintech experimentation

2016 Onwards — The UPI Wave

UPI reshaped India.
Kotak moved swiftly with:

• UPI for all customers
• QR merchant payments
• UPI AutoPay
• Virtual RuPay credit cards for UPI
• UPI 2.0 (mandates, invoices, etc.)
• Kotak × NASSCOM × iSPIRT Hackathon (2018)

The future of finance began running on real-time digital rails.

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4. The Intertwined Narrative — Subsidiaries + Digital Rails

Step back, and the map becomes clear:

• Brokerage → UPI funding
• Mutual funds → UPI AutoPay SIPs
• Insurance → digital premiums & claim payouts
• Vehicle finance → online EMIs
• IPO markets → UPI ASBA
• Corporate finance → real-time digital settlements

Every arm of Kotak is connected — quietly, powerfully — to India’s digital payment backbone.

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5. The Road Ahead — Kotak’s Next Decade

As Kotak enters its 40th year, the future points to:

• Embedded finance woven into daily platforms
• AI-driven credit decisioning
• Cross-border UPI for global flows
• Digital-first customer experiences
• Next-gen risk and fraud intelligence
• Unified credit + payments journeys

India’s financial ecosystem is evolving from transactions to contextual, invisible, intelligent finance — and Kotak is positioned to help build it.

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Final Reflection — A Story Still Being Written

From a ₹30-lakh enterprise to a diversified financial ecosystem powering million, Kotak’s 40-year journey reflects the pulse of India itself.

It is a story of:

• discipline over shortcuts,
• innovation over inertia,
• evolution over comfort,
• trust built one decision at a time.

As Kotak steps into its next decade, the institution carries forward the same principles that shaped its rise — along with the limitless possibilities of India’s digital financial future.

The story continues.

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🎬 Closing Paragraph

Quiet beginning in 1985, the glow of Kotak’s journey now stretches across India’s financial landscape — steady, luminous, unmistakably modern.

The timeline isn’t just a record of milestones; it’s a pulse — a neon line of ambition that survived eras, transformed with technology, and kept moving forward with purpose.

As 2025 marks four decades, the circle at the centre of your visual becomes more than a symbol; it becomes a promise — that the next arc of the story will be faster, bolder, and even more deeply connected to India’s digital heartbeat.
Because institutions evolve, technologies shift, and decades pass — but the spirit that began this journey continues to burn bright.
And in that glow, the future is already taking shape.

 

 

 

The Citizen Advocate Summary: Declaring April 11 as Safe ePay Day, please read all the Appeals here movethebarrier.blogspot.com/April11

✍️ Nayakanti Prashant
Citizen Advocate – Safe ePay Day
💳 April 11 – Safe ePay Day (Proposed)
✨ UPI’s 10th Birthday – April 11, 2026
🌐 The Joy of Safe ePayments

---

“Let’s make April 11 a global symbol of care — in payments, in protection, in progress.”
And yes — no Vada Pav 🍔
till Safe ePay Day takes off in flight! 😄

🌿💳🧠🌍Appeal  for Safe ePay Day 🌟

---------------------

📚 References

1️⃣ Nayakanti, P. (2025, Sept 7). National Buy a Book Day and Safe ePay Day Medium
2️⃣ Nayakanti, P. (2025, Aug 13). 218th Lalbagh Flower Show via RV Road Interchange! Blogger
3️⃣ LinkedIn Profile

---

🪞 Disclaimer:

The only Joy is “Joy of Safe ePayments.” Nothing More – Nothing Less.

 

🩵 APPEAL No. 111 – 38 Days to Go – Shri Ratan Tata Birthday

 December 28 – Shri Ratan Tata Birthday

Proposed State Observance
Visionary Entrepreneurs Day — Dream • Build • Lead

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Citizen Appeal from Bengaluru

📅 Proposed Observance: December 28 – Shri Ratan Tata Birthday
🌿 Theme: Visionary Entrepreneurs Day – Dream • Build • Lead
💳 Lighting Andhra Pradesh’s Path of Innovation – 2025 Appeal Series

---

⚖️ Disclaimer

A citizen-led public appeal posted independently, with no official affiliation to the Government of Andhra Pradesh or the Ratan Tata Innovation Hub (RTIH).
It reflects one belief — that Andhra Pradesh can lead India in celebrating innovation rooted in ethics, dignity, and purpose.

The Citizen Advocate Summary: Declaring April 11 as Safe ePay Day, please read all the Appeals here movethebarrier.blogspot.com/April11

 

📘 Introductory Note

Andhra Pradesh continues to advance through a remarkable phase of civic confidence and institutional momentum.
Across campuses, industries, and government systems, there is a shared sense that the State is preparing for a new decade of purposeful growth.

Four developments, consistently visible over the past months, continue to anchor this daily appeal series:

1️⃣ Yoga Day in Vizag

A reminder that public wellness is the foundation of collective strength.

2️⃣ Go Live of RTIHs

Transitioning from vision to action — Andhra Pradesh’s innovation infrastructure is now operational and citizen-facing.

3️⃣ PM’s Praise for the Super GST – Super Savings Fest

A national affirmation of governance that delivers real, measurable citizen benefit.

4️⃣ RTIH Hub + Five Spokes Launch

A unified innovation lattice now connects the State, decentralising opportunity and enabling youth participation across districts.

These four inspirations make the case for December 28 even stronger —
a day dedicated to celebrating humility, courage, purpose-driven leadership, and visionary entrepreneurship: Shri Ratan Tata.

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✨ Today’s Inspiration — Reuters Retweet by Lokesh Garu

Today’s inspiration comes from a significant moment on social media — Shri Nara Lokesh Garu’s retweet of the Reuters feature highlighting Andhra Pradesh’s extraordinary investment momentum.

The article describes how streamlined decision-making, clarity of governance, and a renewed emphasis on “speed of doing business” have positioned Andhra Pradesh as one of the fastest-emerging investment destinations in India.

Lokesh Garu’s retweet was not merely a share; it was a signal.
A signal that Andhra Pradesh is being noticed — not just domestically, but internationally — for its ambition, pace, and purpose.

Reuters’ coverage reinforced three unmistakable messages:

• Andhra Pradesh is moving with confidence.
• Governance is aligning with innovation and industry.
• The State’s leadership is shaping a culture defined by clarity, integrity, and execution.

This global recognition aligns naturally with the proposed observance of December 28, honouring a leader whose values — humility, ethical growth, and nation-building — continue to guide India: Shri Ratan Tata.

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🎓 Today’s Focus — M.Phil. First Year Students (All Streams)

M.Phil first-year students across Andhra Pradesh represent the analytical backbone of the State’s academic ecosystem.
They are researchers, thinkers, observers, and knowledge-builders who bridge undergraduate learning and doctoral inquiry.

Their presence in today’s appeal is intentional.

At a time when Andhra Pradesh is accelerating into an era of innovation, investment, and strategic ambition, M.Phil students play a unique role:

1. They deepen public reasoning

M.Phil scholars ask sharper questions, build frameworks, and help society interpret complex issues — essential for a State aiming for sustained progress.

2. They expand the knowledge base

Their research spans public policy, economics, health sciences, gender studies, environment, technology, humanities, and social sciences — contributing insights that shape long-term development.

3. They represent ethical inquiry

An M.Phil is not merely a degree — it is a disciplined practice of integrity, rigour, and methodological responsibility.

4. They embody the spirit of reflective leadership

Their discipline mirrors a core truth celebrated through December 28:
Great leadership is not only visionary — it is informed, thoughtful, and deeply aware of human contexts.

By focusing on M.Phil first-year students in Appeal No. 111, we highlight an essential civic message:

A State that values research, inquiry, and ethical scholarship builds a more stable and intelligent future.
M.Phil scholars remind us that visionary entrepreneurship must be grounded in understanding — of society, people, challenges, and possibilities.

Their role aligns perfectly with the spirit of Visionary Entrepreneurs Day, where ambition meets reflection and leadership meets wisdom.

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💠 Part A — To Shri Nara Lokesh Garu

Respected Lokesh Garu,

Your retweet of the Reuters article has amplified global attention toward Andhra Pradesh’s remarkable investment momentum. It reflects a governance philosophy rooted in clarity, speed, and purposeful action.

Locking December 28 – Shri Ratan Tata Birthday as a State Observance will reinforce this value system.

It will inspire students, innovators, researchers, and entrepreneurs to aspire toward leadership grounded in humility, integrity, and societal upliftment.

This observance will not merely mark a date —
it will institutionalise a culture.

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💠 Part B — To RTIH CEOs & Network

RTIH Amaravati and its five spokes stand at a powerful intersection between research, innovation, and public purpose.

M.Phil students — with their analytical depth and research orientation — can become key contributors to the RTIH ecosystem by strengthening:

• evidence-based policy thinking
• innovation impact studies
• social and economic research models
• community-driven problem-solving frameworks

Recognising December 28 as Visionary Entrepreneurs Day will create a shared platform where research and innovation meet — enabling RTIHs to champion both technological progress and intellectual depth.

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🌿 Closing

From Bengaluru, as a Citizen Advocate, I continue this daily appeal with conviction and respect.

The momentum is real.
The recognition is growing.
The public sentiment is rising.
And the time is right.

Let December 28 stand for:
Visionary Entrepreneurs Day — Dream • Build • Lead.

💳 Lighting Andhra Pradesh’s Path of Innovation – 2025 Appeal Series

---

✍️ Nayakanti Prashant
Citizen Advocate – Safe ePay Day
💳 April 11 – Safe ePay Day (Proposed)
✨ UPI’s 10th Birthday – April 11, 2026
🌐 The Joy of Safe ePayments

---

“Let’s make April 11 a global symbol of care — in payments, in protection, in progress.”
And yes — no Vada Pav 🍔
till Safe ePay Day takes off in flight! 😄

🌿💳🧠🌍Appeal  for Safe ePay Day 🌟

---------------------

📚 References

1️⃣ Nayakanti, P. (2025, Sept 7). National Buy a Book Day and Safe ePay Day Medium
2️⃣ Nayakanti, P. (2025, Aug 13). 218th Lalbagh Flower Show via RV Road Interchange! Blogger
3️⃣ LinkedIn Profile

---

🪞 Disclaimer:

The only Joy is “Joy of Safe ePayments.” Nothing More – Nothing Less.