What’s 1Bridge Bharat?

Is it not odd that, in a nation which is 70% rural, most brands focus primarily on the remaining 30%?

What is it about rural India that makes it such a daunting territory?

Maybe the fact that there is nothing common between two villages. While the “India” of metro cities can be safely standardized, the “Bharat” living in the villages has a million avatars.

At 1Bridge, we are now trying to connect these two and provide the long-due services to “Bharat” inhabitants by understanding their unique way of living and matching it with the right products.

 

Home appliance market in rural India set to grow at 25%!

Champions for Change Part 2 : Yes, Prime Minister!

By Madan Padaki

As mentioned in my previous post, I had the opportunity to be part of ‘Champions of Change’ event organised by the NITI Aayog. A unique event with an extended hand shake by the Government of India – inviting 400 champions to think, collaborate and develop solutions for the challenges facing the country.

It was wonderful to see that the attendees included not just CEOs & entrepreneurs from India Inc, but Who’s Who from the Government – Ministers, Secretaries, Sector Experts, etc.

So, it is with much anticipation and excitement that I reached Delhi on the 21st of August. After registration, we were allocated into groups as per the various topics. My group was on ‘Doubling farmer’s income by 2022’. In my last article, I had also shared my views on how this could be achieved.

After much brain storming and diverse perspectives, our group of 30-odd people collaborated extensively to create a framework that we believed would help achieve this objective. We named the framework as ‘SPEED’ as an acronym for the drivers to double farmer’s income: Shared Services, Processing, Education, Entrepreneurship, Demand & Diversification.

In a nutshell, the key recommendations >

> Creating 1 million ‘Agri-preneurs’ to deliver agri-services to 100 million farmers

> Building e-marketplaces to connect processing entities & farmers

> Focussing on agri-education at three levels – farmers, agri-preneurs and agro-professionals (agronomists)

> Moving from subsidy to impact investment – empowering the kisaan as an entrepreneur

>Encouraging demand driven thinking and creating Indian superfood brands

We presented the framework to Prime Minister Mr. Narendra Modi the following day. With rapt attention, the PM, ministers and all secretaries listened and engaged in discussions. This in itself was a terrific experience and it changed perspectives of so many of us on engaging with the Government.

The PM encouraged all of us leaders to take the solutions forward in whatever way we could with assured support from the Government. While the energy of the event was heady, it also made us realise the daunting task that faces the country and the responsibility that we all carry!

In all this, there were a few things that stood out for me:

–         The focus on farmers – very rightly so. But, the view of a farmer is still someone in need of loans and subsidies. I believe that to double household incomes, we must look at the farmer as an entrepreneur, extend this view to the household (the farmer’s wife/children) and empower them to generate alternate sources of income – in their own villages.

–         The Government seems to be very serious about creating millions of jobs. However, the narrative seems to be still very much on people finding jobs and someone (industries) creating jobs rather than encouraging entrepreneurship to take strong roots. It is in this context that I was happy to see the concept of ‘Agripreneurs’ take prominence in our recommendations. Most farmers operate on small pieces of land, often not employing anyone. If we were to look at each farmer as an entrepreneur who could employ 1 more person – I believe our outlook to the farmer would change. We would then start looking at him/her as a small enterprise. The number of farmers in India is debatable – ranging from 95 Mn direct farmers to ~500 Mn who are farmers/ indirectly depend on farming. Even if we consider the lowest of the numbers, and apply a single digit % of farmers who could employ more people – the potential is obvious!

I found resonance of the above thoughts in two other stalwarts which strengthened my conviction in the work that we are doing at 1Bridge- of creating entrepreneurs in rural India, largely from the farming communities.

The first was Shri. Giriraj Singh – Minister of State, Ministry of MSME. My question in the open house to Shri. Jaitley on how we could create 5 million job-creators who can then create 10 jobs each, struck a chord with him. He sought me out post this session and we had a fantastic conversation on strengthening the micro-entrepreneurs and creating various opportunities for entrepreneurs. I am looking forward to working with him closely on this!

The second gentleman was Mr. Amitabh Kant, CEO of NITI Aayog. I got an opportunity to explain my views and our efforts at 1Bridge – not only did our work impress him, he believed it was important for the PM to hear it. And he made sure of it!

As the PM came in to interact with all of us during tea time, Mr. Kant beckoned me towards the PM and requested him to listen to me. I briefly talked about creating Abundance Ambassadors and explained the concept. The PM listened intently, asked a couple of questions on how much they earn, etc. and said ‘bahut accha kaam kar rahe ho aap’ (“you are doing very good work”). I guess that was the highlight of the event for me!! And yes, I did get my selfie with him too 😊

These two days of interactions gave us a lot more impetus and energy to the work we do at 1Bridge – in creating rural entrepreneurs, and connected with a lot of other driven individuals to explore collaborative efforts!

Yes, Prime Minister – we will work together in building a stronger and more resilient India! Jai Hind!

Champions for Change Part 1 : Joining hands with the PM to transform Bharat

By Madan Padaki

 

An email from Shri. Amitabh Kant, CEO of Niti Aayog landed in my mailbox a couple of weeks ago, inviting me to attend NITI Aayog’s conference #Championsforchange  to be held in Delhi on 21st and 22nd August. A platform as big as it can get – 150 entrepreneurs/CEOs who are doing impactful work and the opportunity to discuss & collate thought on 6 different challenges facing our country and the chance to present it to the Honourable Prime Minister.

http://economictimes.indiatimes.com/news/economy/policy/pm-seeks-to-include-views-of-young-blood-in-policy-making/articleshow/59994420.cms

I have been allocated to the working group on ‘Doubling farmer’s income by 2022’..! As I pondered about this challenge, I realised that many of the solutions, approach and framework are relevant for the development of villages in general – not just to raise incomes, but to improve quality of life and dignity. I did a quick dipstick survey of 40 farmers in Tumkur in the last few days < 10% of farmers wanted their children to take up farming, mainly because our farmers don’t believe that there is a future in agriculture! Where’s the pride in being a ‘kisan’?

I believe everything starts in the mind. Our farmer today believes he is the sole kartha and that pressure creates a scarcity mindset which is dependent on crops, soil fertility, water, and the mandi’s defining imbalanced prices, and long value chains.

Let’s open up his mind to inclusive responsibility and energise the youth of his family to propound an abundant mindset – as the beginning of prosperity.

We envision a Bharat where 650,000 villages transform their outlook, and the farmers family income.

Each of these villages have farming households where the youth who have lost interest in agriculture, want to migrate in search of jobs…but given an opportunity, theywould like to stay back in their own villages and earn well for the family.

We light the flame of entrepreneurship by creating a culture of entrepreneurship in villages.  1 youth inspired, in each & every of these 650,000 villages can transform at least 10 households each. They are the push engines for change in a village. They are the champions of Abundance for that village!

What will give these engines fuel? We just fuse him to a villages potent demand for goods and services – both agri and non-agricultural. We empower him to feed the aspirations in the villages – for retail products, financial services, health care, education, etc. The market is looking at reaching the next billion consumers and the focus has never been more on India’s villages.

We also train these youth on various agri-tech intervention to raise productivity & pricing, thereby directly impacting the farmer’s productivity and income

When the youth thrives, the family income thrives, his father – the farmer has less burden and switches to an abundant mindset. We have bridged a village to the progress wheel without worrying about infrastructure or investment. First just a farmer will now be impacted by improved agri knowledge, yields and multiple avenues to prosperity. It is this thinking which we coin as RUBANOMICS – which we believe will fuel the progress of every village, taluka and its farmers. We have spun their future into a new orbit, not dependent just on harvests. We have created village youth who are ambassadors of abundance to drive this progress – which will in turn double farmer income!

As our PM, Shri. Modi recently said , “We are a country of youth who are job creators and not just job seekers!” This is the core mantra..!

Brimming with this and so many other thoughts that can change India by 2022. Love to get your ideas & thoughts over the weekend. Watch this space for an update from the Conclave!

To gear or not to gear : The Indian two-wheeler market in 2017

India has taken over another global metric this year. We are now the largest two-wheeler market in the world! This title was earlier held by China, but the combined push of rising urbanization of the rural India and restrictions imposed by the Chinese government on 2-wheeler production has propelled India to the top position. A total of 17.7 million two-wheelers were sold in India last year. That’s over 48,000 units every day!

Apart from the raising demand for mobility in the urban areas, the massive government spending in rural programmes and large road-construction projects is leading to a pick-up in volumes in smaller towns and villages. The government initiative Automotive Mission 2016-2026 will provide a major boost to investment in automobile production, especially now that 100% FDI is allowed in auto component manufacture.

By 2026, the market size of the automobile industry in India is estimated to be USD260-300 billion. A large chunk of this market would be driven by two-wheeler sales. With a volume share of 68%, two wheelers have the largest share in the automobile industry. Combine this with rise of the ruban customers, improving infrastructure and ease of accessing credit, and we have a wide, high demand market at hand for mid-priced two-wheelers.

   

Images : 1Bridge Automobile outreach in Mandya and Shimoga districts, Karnataka

 

Rural markets have always been the major consumers of commuter motorbikes in India, making up 70% of the market in India. They are also the biggest reason for the consistent growth of the two-wheeler segment of the industry, getting bigger by an average of 6-7% every year. This trend was also observed in a recently conducted survey on two wheelers by 1Bridge, wherein 63% of the surveyed customers expressed the intent to buy a two-wheeler this year!

However, this impressive spurt of growth does not necessarily spell good news for motorcycle manufacturers. Scooters are increasingly gaining market share within the sector, with growth in production as well as sales far ahead of motorbikes this year. Although the dip in sales of bikes can be attributed to demonetization, the advent of scooters is undeniable. Experts have dubbed it the “Ugly Duckling” of the sector, outperforming the highly penetrated motorcycle market leaving it struggling to maintain single digit growth.

The era of Scooters was thought to have ended with the iconic Bajaj Chetak. In the past decade, reign of scooters had shrunk to a few states. In 2011, scooters had a quarter or higher share of market in just 3 states. On a national level, scooters were already considered as a languished commodity at a 16% share. By 2015, this went up to 25% on an overall level and 33% or above in at least 11 states as well as North-east. Infact, in Kerala, their share was as high as 62%!

Today, scooters enjoy a 36% share of the pie and are set to overtake the largest volume segment of the market, entry-level bikes, with just a 1% point gap. Experts attribute this growth to rapid urbanization and growing road network in South, West and North states with high rural population. The singular, most powerful force behind this shift is the heavy, ungeared scooter, and the flagbearer of this force is Honda Activa with 63% share of scooter sales in India.

 

What changed?

Earlier, Scooters were largely positioned as a light weight, easy to drive vehicle for women. However, there has been a very visible shift in the narrative with scooter models such as Hero Maestro, TVS Jupiter and Yamaha Ray-Z being targeted at men. Factors such as improving mileage, power and pick-up are also attracting men towards this segment. Now scooters stand for gender-neutrality and combination of high utility and performance, becoming relevant to both sexes and all age groups.

Another major shift happened in the demographic profile of the rural markets as well as tier-1 and tier 2 cities. The market in tier 1 and 2 markets grew at a rate of 15-16% between 2012 and 2015 and penetration of scooters was very high. However, experts believe that these markets will mature quickly and slow down to single digit growth within the next couple of years.

On the other hand, the growth prospects of the semi-urban and rural markets appear more promising. Earlier, perceived as an urban vehicle, scooters are fast gaining acceptance in the semi-urban and rural markets. This is reflected in the fact that scooter sales are growing faster in the semi-urban and rural areas than in the tier-1 and tier-2 markets. With its high utility perception and the convenience it offers, a scooter is seen as a good option for intra-city transportation in areas starved of good transport infrastructure. Improving fuel efficiency of scooters is also tilting the preference of the rural consumers. In the last few years, the mileage of scooters have increased by 25-30 per cent to an average of around 45 kms per litre.

Several scooter manufacturers are shifting their focus to the semi-urban and rural markets where sales are forecast to expand at a faster pace. Players have also aggressively expanded their distribution network to reach out to customers in these areas. It is estimated that over one-third of the total distribution network of Honda Motorcycles is concentrated in rural areas.

Image : 1Bridge outreach for Bajaj

Brands riding the scooter wave

Honda remains at the forefront with Activa, followed by brands from Hero MotoCorp and Bajaj Auto.

What do customers want from 2-wheelers?

Another key finding of the 1Bridge survey was that Rubans value good mileage over everything else. Most of the surveyed customers associated Hero, Honda and Bajaj with good mileage. Whether the customers will prefer bikes over scooters or not, remains to be seen.

An interesting insight from this survey was the gap in awareness and perceptions of other brands among customers. Looking at the unaided brand recall of various brands, Hero, Honda and Bajaj again topped the chart. However, if we take away the respective brand owners from the pool, the ‘pure recall’, i.e. the recall among non-users, is pretty much the same for all brands.

The question now is, why are the customers associating ALL qualities to the same 3 brands?

Despite equal awareness levels as the top brands, TVS, Suzuki, Enfield and Yamaha do not have a clear USP in the customer’s eyes. This highlights the need for a loud and clear communication strategy for these brands and that of creating differentiation, if they are to compete with the big names.

Legacy and consistent brand DNA can be a reason why the top brands have a strong hold. For Honda, all positive perceptions go much beyond ownership numbers. User or not, A quarter of customers, or more, believe it to be the best possible option for all features, with only 17% being owners. For Hero – 32% of the entire group are owners, but still, 34% believe Hero is the best option for good mileage. Similarly for Bajaj, the perception of being the most powerful stands at 21%, although only 19% customers own a Bajaj vehicle (possibly a result of the brand message “Definitely Male”).

Find the complete report of the study here.

What lies ahead

It would be interesting to see how the brands adjust to this shift in balance. It is safe to say that scooters will eat into the 100-125 CC bike category and it is possible that over time, bikes become a premium product in rural markets. For now, higher CC range bikes are safe from this trend and will see continued investments from brands.

Stay tuned for more insights and research coming your way from 1Bridge Bharat !!

 

 

References

Society of Indian Automobile Manufacturers : Industry Report 2017

Findings of 1Bridge 2-wheeler survey 2017

Media Articles – Times of India, Economic Times, Auto News Press, Business Standard

1Bridge Research : Brands in demand for bikes in rural Karnataka

Over the last year, Automobiles have been a growth catalyst for 1Bridge, and are expected to continue being that in the coming months as well.

This June, we launched “1Bridge Auto” – a service dedicated solely to marketing and sales of automobiles. This service was kicked off with a small survey to study the ownership and brand preferences of two-wheelers in 3 rural Karnataka districts. This study confirmed what we believed – There is a significant demand for motorbikes and the top brands in demand are Hero, Honda and Bajaj.

Market research is also a brand service we offer to our partner and sellers. What makes 1Bridge surveys a unique mix is the combination of  insights, activation and lead generation, all in a single exercise!

Here’s the complete report of the study. More reports coming soon!

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Here comes the Ruban Revolution

“Ruban” is a term born out of amalgamation of “Urban” and “Rural” to denote a group of individuals who are ‘Urban” in their paying capacity but are categorized into “Rural” owing to their geographical location.

Since they were not the right fit in either of the existing categories, a new category was established to represent them. That is “Ruban”. The ruban group is a vast, untapped market, just waiting patiently for the service providers to figure this out and come to their doorsteps. A fair share of them have already started using online shopping to buy products which are not otherwise available to them or are too much of a hassle to acquire physically.

Ajay Rajwanshi, a ruban himself, penned down his perspective for ET, saying – ” This online shopping is fuelling consumerism in rural areas and is the engine which is helping it to urbanize. It is happening because it produces a win-win situation. For example, one can get quality goods at substantial savings as they are usually much cheaper than what one would pay in a shop in Pune or other big cities. Besides, most of the time the goods are shipped free and cash-on-delivery basis. Also, the time and energy used in actual shopping and going to the big city are saved. This is the reason why e-commerce has spread so rapidly all over the world and rural India is only now getting the benefits of this revolution.”

(Read the complete article here)

He correctly identified this new wave, which we like to call “Ruban Revolution”. As the mobile ownership and internet penetration increases, most, if not all, rural consumers will wake up to a thriving market, ready to cater to their needs and come to their villages.

1Bridge sees this opportunity and is gearing up to taking the challenge head-on. We are pushing new frontiers everyday and expanding at an exponential rate. In just one year, 1Bridge has grown from 500 customers in 1 district to 75,000 in 7 districts of Karnataka! In another year, we intend to be present in 3 more states.

But, how do we know that once we are there, the customers will believe us? Will they trust us, an unknown entiry, with their hard earned money?

1Bridge tackled with this question by taking a step back and instead of pushing solely its own face to the villages, leaned in to take support from local entrepreneurs. Having a known person stand for the brand encouraged trust among the fellow villagers and dispelled their doubts about the authenticity of the brand’s promises.

Now, we have millions of eager customers waiting for big brands to show up, relying on the team of their local businessman + 1Bridge to help them make the right choice at the right price. The projected number about the scope of the ruban market stands at a staggering amount of $50 billion, quite a justifation for the term “revolution”.  The big names, too, are slowly warming up to the idea and some of them have already joined us on our journey to the last-mile.

Bye-bye to saturated urban markets and Three cheers for the Ruban Revolution!

The 1Bridge Model

It’s been about 1.5 years that the ground for the present structure of 1Bridge was laid and the model on which our brand stands tall today was created.

Before we jumped head-on into the rural markets, we conducted a small survey across about 100 villages in the Tumkur district about online shopping usage. The findings were surprising. We thought that the technology (phone/connectivity) or the awareness of the ecommerce websites will be a problem. But none of these were actually an issue at all. The only thing stopping them from transacting online was lack of assistance with transacting and trust in the last-mile delivery!

It was then that we realized that we need to pivot our model to be the last-mile services platform and work with local youth & entrepreneurs to create thriving local economies. Eureka! This changed the entire vision and the business model was re-aligned to cater to this new stakeholder in the equation.

Back in November 2015, Economic times did a piece with our CEO, Madan Padaki, which captured the inception of the brand and the events leading up to it. Here’s the article for you to read. This can also be read on the ET website here.

Skilling and employment firm Head Held High Services has pivoted its model to focus on an initiative called Ruban Bridge, which facilitates local youth to provide last-mile connectivity for consumer-focused corporates in middle India.

It has started with companies from the consumer retail and healthcare sectors selling goods and services in towns and small cities that have a population of 10,000 to 1 million, as well as untapped talent with high aspiration and access to technology. 

“Through this, we own and design the experience for the rural consumer. At one extreme they are looked as beneficiaries by government and NGOs and at the other extreme mainstream companies have only focused on tier-I and II consumers,” said co-founder and CEO Madan Padaki. “You can create career paths by opening up opportunities. It’s about local economy creation.”

The Bengaluru-based company calls itself a business transaction platform connecting corporates with small entrepreneurs in these towns with a larger goal of creating jobs and fuelling local entrepreneurship.

The model, which the company launched as a pilot in January, works on fixed and variable costs. Head Held High pays a salary as a safety net to village-level youth who could eventually become entrepreneurs and provide various local services to the consumer companies. They also get target-based incentives.

Last June, it began a pilot programme with ecommerce major Amazon to cut down on delivery time to consumers in Tumkur near Bengaluru by setting up warehouses stocking inventory. It has since opened 10 such facilities. These centers provide distribution, and cash collection as a service to ecommerce companies. It will soon roll out customer acquisition and lead generation subsequently. “We are in talks with top ecommerce companies,” Padaki said, unwilling to disclose more.

Five months ago, it partnered with US-based EyeNetra, which has developed a mobile-based eyescreening app, and trained four eighth and tenth standard dropouts to screen patients at eye camps run by the healthcare company. “In the last five months we sold 2,000 spectacles and generated.`10 lakh revenue that covered cost of operations and created jobs,” Padaki said.

 

 

 

Event : 1Bridge Mega Star

1Bridge turned 1 this March, and with it our 1Bridge Associates program. We have grown in leaps and bounds this past year and these associates have been the catalyst to our propagation and success. So we decided to celebrate our achievement by celebrating theirs.

The “1Bridge Mega Stars” event was organized to recognize the top 25 performers as well the key members of our field teams who work tirelessly to keep us going at top speed. While this is what we started off with, this gathering ended up talking about everything from an ideal entrepreneur to best practices each of the associates follows on field.

The event went on for an entire day and was divided into two sessions. The morning session had the founding team sharing their vision and goals for 1Bridge and the post-lunch session was all about the associates – having them share their views on the best approach to do business, facilitating networking and making them feel like a part of something big.

Morning Session

The most important quality of any brand in customer service is consistency in the values held by the different parts of the chain. For 1Bridge, associates are the frontier. They are the face of 1Bridge for the customer, so it is paramount that they understand the value of relationships, service and engagement.

We kicked off with an address by our CEO, Madan Padaki, where he shared the ultimate goal of 1Bridge – enabling the rural consumer by giving access to a product, giving choice of brands and finally bringing the product to the customer as per his/her convenience.

Apart from the 1Bridge propositions, he also urged them to try and be the best entrepreneur they can be. As a team, we do not only intend to have the associate work towards revenue growth, but also their own growth as a successful business owner.  Each one of us has a famous businessperson we look up to. It can be Narayan Murthy, Steve Jobs, Ambani, Tata, it could even be someone you know.  Look at what these people are doing which is benefitting them and try it yourself. Sharing the knowledge will help the whole team grow and this is one of our key goals behind such events. We must enable an exchange of ideas, expertise and on-ground practical knowledge.

Our Marketing & Strategy head, Ranga Rajan P, also shared the brand story and identity with the associates to give them a peek into the long journey of the 1Bridge brand. He also made everyone see how much thought goes behind this one simple image.  Our logo is an image of two people holding hands, holding a bridge. The people here, infact, are the 1BA and the customer! They are the core of our brand and  1Bridge is built on their relationship.

For a 1BA to be motivated to give his/her best, he/she has to feel like this is a good investment and that they are not alone in this. This is where it helps to know that there are many, many more associates like them, working with 1Bridge, and there are many more to come. M Chakrawarty, Head of Operations, spoke about our on-ground presence and our plans of expansion in the coming year. He explained the entire process flow and how it has been tweaked multiple times to reach the streamlined, associate-friendly version it is now. Operating in 7 districts for the past year has helped us establish a working model and now we are ready to scale!  This not only becomes an opportunity for the brands we sell, but for the associates as well since there is direct connection between the spread of network and brand equity. Bigger we are, bigger the brands in our basket would be. And this directly benefits the associate since he has more products to offer to the consumer and does more sales.

To conclude the morning session, Head of Partnerships Venkatachari spoke about how the brands are now more than willing to get onboard, while earlier it was quite tough to convince them to partner with us! With time, 1Bridge has established ties with some prestigious brands like Tata Motors and Bajaj Motors which has doubled the appeal of the brand among seller significantly.

Through these sessions, we achieved a little piece of our ultimate vision. Instead of operating on a Doing OR Enabling OR Growing model, we want to include the associates in our plans and brainstorming, help them be better businessmen / businesswomen, hence Enabling the Doer of the brand to Grow.  Mega Stars event was a success in this sense!

Afternoon session

Post-lunch, we split the associates into smaller groups and encouraged them to share knowledge and best practices. We saw enthusiastic participation by all associates and heard some very innovative ideas on how to deal with customers, how to maximize sales and how to maintain the relationship with the customers.

Cluster Manager Hareesh had the associates do school-style PT to divide them into groups

Each group had about 6-7 associates (none of them knew each other). Each group was asked to discuss strategies and qualities that an entrepreneur must have in order to succeed. One associate was to be chosen as a spokesperson and then share the group’s collective knowledge with other groups at the end of the session. While this helped them learn how to run their businesses more effectively, it gave us a lot of insight into the on-ground realities of our trade.

 

Awards!

After the group discussion, we had the main attraction of the day – Prize distribution to the performers. There were multiple categories of awards to ensure that we don’t limit an associate’s performance to sales. We had awards for customer registration and inquiries as well. The top 3 winners of the evening were chosen basis the collective score on all 3 aspects.

Our Mega Star award (all-round perfoemance) winners were –

1. Veeresh from Shivmogga District. All round top performance

Left to Right : Mega Star Award winner Veeresh, M Chandrasekharan, M Chakrawarty, Madan Padaki

2. Arjun from Shivmogga District

Left to Right : Mega Star Award runner up  Arjun, M Chandrasekharan, M Chakrawarty, Madan Padaki

3. Puttaraju BJ from Mandya District

Left to Right : Mega Star Award second runner up  Puttaraju BJ, M Chandrasekharan, M Chakrawarty, Madan Padaki

 

Category-specific

Maximum Customer Registrations

1. Ramesh MT, Hassan District

Ramesh MT with Madan Padaki

2. Arjun, Shimoga

 

Maximum Enquiries

1. Veeresh, Shimoga

2. Arjun, Shimoga

3. Ram Murthy, Tumkur

M Chakrawarty with Ram Murthy

 

This was a first event where all our team members and top associates were under one roof. There will be many more in the future and we hope to have a much, much bigger family in the next event.

The 1Bridge Team