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The 18 Innovative Startups to Watch in 2018

Keeping in mind the importance of innovative solutions, we introduce some of the most prominent startups in the industry who have outclassed others and have contributed significantly in the recent years. We bring you “The 18 Innovative Startups to Watch in 2018”. This edition aspires to help the organizations to connect the right innovative partners who can deliver smart solutions and scalability with industry-leading operating models.

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The 18 Innovative Startups to Watch in 2018

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  1. www.insightssuccess.in July 2018 18 Outstanding Startup THE Innova?ve STARTUPS TO WATCH IN 2018 GuruQ Minal Anand CEO & Founder Transforming the Ed -Tech Sector by Innovative Practices

  2. The Apollo World of Care Assuring. Advanced. Accessible WHEN IT COMES TO THE HEART TRUST APOLLO www.apollohospitals.com

  3. Editorial I will give strength to tomorrow’s foundation. These words are often buzzing in the heads of the young college pupils, late high school students, and early graduates. But not many dares to take the risk, sacrifice peaceful, sleepy nights, a settled and well-earning career, friends, enjoyment and leisure time. As a renowned startup investor Ron Conway once stated, “Any time is a good time to start a company.” dea, Creativity, Innovation, Startups, and Entrepreneurship, are not just words that fill the peoples’ minds nowadays. These are the building blocks of tomorrow. These are today's brick stones that A real hardcore fact about startup was once said by Guy Kawasaki, a recalled Entrepreneur, as “Ideas are easy. Implementation is hard.” Similarly, the Chairman and CEO of Dell, Michael Dell also said, “Ideas are commodity. Execution of them is not.” It is a known fact that excuses lead to nowhere but to self-destruction and that is why many aspiring entrepreneurs start their journey but give up before making it to the end. May it be money, time, inspiration, motivation, or luck, only a few become successful on its way through the hurdles and pebbles. So the CEO of Zappos, Tony Hsieh says, “Chase the vision, not the money, the money will end up following you.” An Idea Can Actually Change the Lives of People Every big company which exists today was once a startup; maybe not by the parameters that are being used today, but factually it does. No matter which sector it is, these startups are taking significant efforts and leading the industry a step ahead. These organizations are driving people to an extra mile which old and traditional companies could not do earlier. Their ideas which are unique and new yet straightforward are changing the lives of people. If you still think, that startups are not bringing any change into the society, then think once again. Even a few years back, who could have imagined that you can call a cab at your doorstep with just a gesture on your smartphone? Alternatively, who could have thought to get one’s favorite food from the favorite restaurant chain to be served at your dining table at any time of the day? Facing a medical emergency, and don't know what to do, these emerging entrepreneurs have emerged with a solution for that too. These startups have even come up with solutions which can also feed one's financial needs. If you are planning to go for a movie but having an empty pocket, some companies are ready to pay for you whom you can pay later when your pocket is filled with pennies. No matter what time it is, how the weather is, what the situation is, these startup companies are coming up with ideas which will not blow your mind but will change your life. While the number of employment opportunities is falling daily, the number of startups is increasing daily. Moreover, the first step towards pitching such a startup idea is best explained by Walt Disney, Co-Founder of Disney, and that is, “The way to get started is to quit talking and start doing.” Rajarshi Chatterjee

  4. ™ Editor-in-Chief Pooja M. Bansal Senior Editor Shraddha Deshpande Managing Editor Executive Editor Shweta Priyadarshini Rajarshi Chatterjee Contributors Rahul, Devasish Urvasi, Sayali Art & Design Director Amol Kamble Co-designer Karan Gaikwad Picture Editor Alex Noel Shweta Ambilwade Art Editor Shweta Shinde Visualiser Business Development Manager Akansha Garewal Marketing Manager Dhruv Apte Business Development Executives Ashwini, Tejaswini Research Analyst David Circulation Manager Vivek Bangade Database Management Prashant Chevale Technology Consultant Swapnil Patil sales@insightssuccess.com July, 2018 Corporate Ofces: Insights Success Media and Technology Pvt. Ltd. Off. No. 513 & 510, 5th Flr., Rainbow Plaza, Shivar Chowk, Pimple Saudagar, Pune, Maharashtra 411017 Phone - India: 020- 7410079881/ 82/ 83/ 84/ 85 Email: info@insightssuccess.in For Subscription: www.insightssuccess.in Insights Success Media Tech LLC 555 Metro Place North, Suite 100, Dublin, OH 43017, United States Phone - (614)-602-1754 Email: info@insightssuccess.com For Subscription: www.insightssuccess.com Cover Price : RS. 150/- https://twitter.com/insightssuccess Follow us on : www.facebook.com/insightssuccess/ ollow us on : www We are also available on : Copyright © 2018 Insights Success, All rights reserved. The content and images used in this magazine should not be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior permission from Insights Success. Reprint rights remain solely with Insights Success. Printed and Published by Insights Success Media and Technology Pvt. Ltd.

  5. Cover Story 08 GuruQ: Transforming the Ed -Tech Sector by Innovative Practices Outstanding Startup FlexiLoans: Embracing Technology to Deliver Key Financial Solutions 20

  6. Editor’s Pick CONTENTS 56 Adavancells 10 Things To Know About Stem Cell Treatment/ Therapy Tech Talk HospitalSoftwareShop.com 26 30 Interview With Insights Success HospitalSoftwareShop.com Pioneers in Delivering Innovative Services for the Medical Industry IWORKTECH Delivering Innovative Blockchain Solutions Article Expert’s viewpoint 32 Chalk Talk All You Need to Know Before Stepping Into the World of Startup Business 40 48 Era of Bio Tech Policybazaar.com Technologies That Are Embraced By Startup Companies An Insight into the Present Biotechnology Startups Scene

  7. Cooey: Revolutionizing Next Gen Medical Solutions and Services 24 FitMeIn: Unloading Calories through All-Inclusive Fitness Solutions 36 Flochat: Connecting People, Innovating Life 38 Go4Cabs: 44 Providing Private Ground Transportation Service around the Country Gramco Infratech: Empowering Farmers and Innovating Agri- Infrastructure Solutions 46

  8. Hug Innovations: Delivering Smart IoT Devices for the Next Generation 52 myFin Advisor: Providing Path-breaking Services in Financial Advisory Market 54 Rentickle: An Innovative Company Redening Lifestyle 60 WayCool: Delivering Curated Portfolio of Branded Food Products 62

  9. 18 Innovative Startups – Building Blocks of Tomorrow ioneering and believing an innovative idea can be quite challenging at times, however re-inventing a standard way P company to sustain the initial period and prosper with time. of doing things is what has made the startup industry to flourish and stand tall amongst the existing business conglomerates. Inherently innovative, being agile, and adaptive are the marshals that shield a young startup Keeping in mind the importance of innovative solutions, we introduce some of the most prominent startups in the industry who have outclassed others and have contributed significantly in the recent years. We bring you “The 18 Innovative Startups to Watch in 2018”. This edition aspires to help the organizations to connect the right innovative partners who can deliver smart solutions and scalability with industry-leading operating models. Exclusiveness, uniqueness and a wide range of diversification are the virtues based on which we have shortlisted the best innovative startups for this July edition. We have showcased GuruQ as the cover story edition for this magazine. Aiming to deliver a seamless solution by connecting the students and teachers, this comprehensive online platform has a truly innovative approach. As the ‘outstanding startup’ we have highlighted FlexiLoans. Embracing technology, this financing online lending platform has been a forerunner in eradicating the issues related to financial assistance required to enhance the business. Alongside, we have encompassed various startup companies who have performed exceptionally well and have excelled in the market. Starting from Cooey, an IoT enabled mobile-based augmentation layer over an existing EHR that assists to collect, store, and analyze the health records of a patient. FitMein is an online multi-studio fitness startup providing access to the best fitness studios and gyms across locations in Delhi/NCR region. Flowchat is amongst the most evolved ‘Multi- messaging’ platform that continues to develop tech-enabled applications. Go4Cabs is one of the renowned one-stop cab rental providers in the country which offers supreme quality, convenience along with having the highest level of dependability. Gramco Infratech Pvt Ltd is the perfect answer to the farmer’s needs for modern and efficient agriculture. Hug Innovations endeavors to bridge the gap between humans and technology through innovative wearable products which are quite essential and useful in the modern-day society. Josh Talks aims to bring along speakers and giving a platform to deliver motivational speeches and having interactive session. Koinex is India’s most advanced digital assets exchange and a prominent player of blockchain technology in India. myFin Advisor is a one-stop destination for all financial needs – from Advisory to Execution. Qbera offers instant personal loans to the needy and is head quartered at Bangalore. Rentickle is an innovative lifestyle solutions provider offering trendy lifestyle products on a rental subscription basis. Sparkt delivers innovative and unique solutions in the fields of digital marketing, digital media, and social media marketing to name a few. Volga Infotech delivers software development services in the field of healthcare, education, manufacturing and e-commerce. Waycool, which organizes India’s farm-to-fork supply chain, to deliver cleaner, fresher and better products to consumers, generate higher returns for farmers, and reduce wastage and inefficiency. Zenatix embraces advanced machine-learning based models and builds innovative solutions to save energy. To conclude, among many others, we have ZiffyHomes, a pioneer in innovating technology-driven solutions in the Indian rental marketplace offering an array of unique services. Our expert editors have penned their opinion on themes that put the limelight on the relevance of innovative startups. Additionally, the magazine has ‘Articles’ shared by some of the most prominent business leaders who share their insight on the top industry trends. Flip the pages of the magazine and explore the insights of the Most Innovative Startups, presented to you in the most elegant way!

  10. Transforming the Ed ? Tech Sector by Innovative Practices INDIA’S BEST DIGITAL PLATFORM THAT CONNECTS STUDENTS WITH THE RIGHT TUTORS “ T under the age of fifteen. Providing adequate teachers stands to be the biggest and the most ignored issues in the country’s education system today. for a single, simplified and cohesive ed-tech solution that caters both online and offline tutoring. It’s a digital platform where tutors can connect and teach students; earning recognition, whereas the student gets quality teachers who can deliver as per/according to the needs of the students. The ultimate objective is to bring convenience and ease into the process of selecting tutors. With a fusion of new age methodologies and technology, GuruQ has a vision to st build a 21 century model for education. he education sector in India is a never-ending sphere, and is currently growing at a brisk pace. The widening/broadening of courses and changing trends have forced students and their parents to stretch themselves to the limit. Although educational institutions have taken sincere efforts in improving the quality of education, the imbalance of the student-teacher ratio is a major hindrance to meet the objective of imparting quality education. Independent researchers suggest that more than thirty-five percent of India’s 1.2 billion populations is presently Over the last few years, with the advent of technology and innovations, EdTech are becoming viable options to revive the education sector. It has become a key sector for investment and entrepreneurs are not shying away from the opportunity. GuruQ is one such online platform, which promises to make a significant contribution towards the Indian education system. GuruQ is designed to address the need

  11. THE LEADING LIGHT OF GURUQ Minal Anand, a modern independent woman started GuruQ with an aim to improve the level of education, which in turn drove her to explore the ed-tech sector. A graduate in Business Administration from Boston University, she is the CEO and Founder of GuruQ. Prior to GuruQ, she has worked with prominent multinational companies like Franklin Templeton, Citigroup and HPL Additives. Working on several eclectic assignments and gaining experience in the areas of financial planning, fund- raising, organizational design and structuring, and people management gave a major push to Minal’s innovative thought process. Minal witnessed a huge disconnect between the Indian students and their counterparts across the world. The absence of innovative teaching methodologies cemented her quest for doing something constructive for the existing education sector. GURUQ FIRMLY BELIEVES THAT IT'S THE VIGOR & COMMITMENT OF ITS PEOPLE THAT DRIVES A COMPANY TO SUCCESS “

  12. Core objective “ An Inspirational Journey GuruQ is the pioneer in providing quality-certified and user-rated tutors. Revolutionizing the home schooling concept, GuruQ equips tutors with the latest teaching methodologies and keeps them updated with international trends and techniques in contributing to better learning. Founded in 2016, this digital platform was created with a mission to revamp the EdTech sector and to bring significant improvements in the overall process. As an advisory partner, KPMG provided valuable insight of the sector along with the need-gaps and opportunities available. The trends and analyses backed by market research assisted GuruQ to showcase themselves as the facilitators for tutors in providing their expertise, and as enabler for the students to get the right tutors. It further helped to establish themselves as a significant player in this sector and play a dominant role in standardizing the benchmarks, ensuring quality services and be an inspiration for other entities in the sector. most suitable tutor, and assist tutors in providing students as per their feasibility, location and budget. A customizable dashboard is available for students and tutors to input their specific needs. Tutors are selected and cross checked on parameters like their ratings, reviews, their availability and tuition fees. The biggest plus is that this platform has bought in more reliability and transparency to the process. Parents, students and teachers find it a lot easier and convenient to interact and find the best option that fulfills their needs. of GuruQ is to bring Once the tutor is fixed/selected, a student has the option to personalize the study structure. They can select the mode – online or offline, individual or group along with location and time of their choice. Additionally, they can change their modes and learning type depending upon urgency and requirement like exams, doubts or revisions to name a few. This platform allows parents to monitor the performance of their child through checking assessment results, taking feedback from tutors and even discuss the strategy to enhance the progress of their kids. The idea behind this concept is to enable quality learning provided through a digital platform. GuruQ plans to add innovative features in the platform which can assist students to be in total control of their learning. This secure platform is revolutionizing the tutor market and the growing capabilities are the perfect answer to the ever-growing ed-tech industry. GuruQ asserts that a quote by popular American entrepreneur, John Rohn - “Don’t let your learning lead to knowledge. Let your learning lead to action” describes their venture very well. convenience and ease the Inspite of the ‘home-work’ and strategies, the initial journey was not smooth; however GuruQ took every challenge as an opportunity to perform better. The valuable lessons assisted them to strengthen their path of revival. Once they had the right digital infrastructure backed up by streamlined operational processes, the performance trajectory improved steadily. In the present scenario, GuruQ have evolved into a matured organization and are in the process of raising the next round of funding for the expansion of their business. process of selecting tutors for students while simplifying the work life for thousands Processes which make the Difference Learner-centric approach, tech- powered platform, quality driven service, unmatched convenience, and tutor oriented database are the components of this unique platform. Incorporating best standard practices and embracing cutting-edge technologies, GuruQ manages to align proficient tutors with students. The core concept of GuruQ is to connect students and their parents with the of tutors Client Relationship For GuruQ, every client plays a key role in improvising the digital platform by their reviews and feedback. In their endeavor to provide the best services, staying in touch with the clients assists them to enhance the overall experience. The features on the application highlight the empathy and

  13. game changing features for students, tutors and parents. As a solution provider entity, it ensured an easy, effective and efficient learning platform for everyone. GuruQ firmly believes that it’s the vigor and commitment of the people that drives a company to success. Employees, partner companies, vendors, advisors and stakeholders are the various factors which have helped to strengthen and motivate GuruQ to attain new heights. the understanding of the diverse expectations of the clients. As a responsible organization GuruQ is actively involved in promoting various social welfare initiatives wherein they receive direct and spontaneous reviews from the beneficiaries. The initiative includes – Future Prospective GuruQ holds a positive outlook of the future. It believes in creating an employee-centric environment as it values the pivotal role played by the employees in its organization. It invests time and takes sincere efforts to create employees who will be an asset to the business. With such a pragmatic road- map, GuruQ is committed to work in the area of imparting quality education for everyone in India. ‘GuruQGyaan’ – free behavior and functional skills training for students ‘Knowledge Pyramid’ – book donations for the under privileged ‘Hum Badlenge India’ – video contest on how children can make better India ‘CRY Cyclothon’ – Raised funds for child development of their business“ “ The positive response received from the initiatives has given them the motivation to go beyond the limits to embrace all those who really deserve to learn and grow. Analyzing the Key Challenges While GuruQ faced challenges in various areas like processes, technology, design, people and management, integrating the internal systems and increasing operational efficiency has resulted in creating a world-class ed-tech platform. Hiring employees, media content, content development, and fixing the promotional strategies are some of the other common issues faced in the ed- tech industry. Exploring and experimenting different business ideas, the journey of GuruQ is just splendid. Within three months of launching the platform, they started revamping the entire digital infrastructure including the website and dashboard to make it even more user friendly. GuruQ has evolved into a matured organization and are in the process of raising the next round of funding for the expansion Attributes to Success GuruQ understands the dynamics of the ed-tech sector. The idea to create a business blueprint after a comprehensive market analysis assisted GuruQ to identify the real issues faced by the target audience. Taking clue from the blueprint, they came up with twenty-one distinct and

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  15. Management Company Name Brief Cooey is an IoT enabled mobile-based augmentation layer over an existing EHR that allows its users to collect, store, analyze their health vitals for recurring care needs. Cooey cooey.co.in Manu Madhusudanan CEO Nidhisha Varshney CEO and Co-founder Vishesh Goel Co-founder FitMeIn is an online multi-studio fitness startup providing access to the best fitness studios and gyms across locations in Delhi/NCR. FitMein fitmein.com Abhishek Kothari, Co-founder Manish Lunia, Co-founder Deepak Jain, Co-founder Ritesh Jain, Co-founder FlexiLoans is an online lending platform started with an endeavor providing solutions to SMEs in accessing quick, flexible and adequate funds for growing their Businesses. FlexiLoans flexiloans.com Flochat is the most evolved ‘Multi-messaging’ platform ever created and continues to develop tech-enabled applications. Flochat flochat.in Prateek Lal Founder A one stop cab rental solution, striving to provide the most dependable and highest quality of services, as per the convenience, at anytime and anywhere. GO4 cab go4cabs.com Gauraav Dalal Founder Gramco Infratech Pvt Ltd gramco.in Gramco Infratech Pvt Ltd an answer to the farmers needs for modern and efficient agriculture. Raman Singh Saluja Founder GuruQ guruq.in A digital platform that connects students with the right tutors, to create an enabling environment to impart quality education. Minal Anand CEO & Founder Hug Innovation constantly endeavors to bridge the gap between humans and technology through innovative wearable products. Hug Innovations huginnovations.com Raj Neravati Founder & CEO Josh Talks aims to bring along speakers and giving a platform to deliver motivational speeches and having interactive session. Josh Talks joshtalks.com Supriya Paul Director & Co-founder

  16. Management Company Name Brief As a pioneer to India’s most advanced digital assets exchange, Koinex as evolved as prominent player in bringing the magic of blockchain technology in India. Koinex koinex.in Rahul Raj Co-founder & CEO Peeyoosh Agrawal Managing Partner & Founder myFin Advisor is a one stop destination for all financial needs – from Advisory to Execution. myFin Advisor myfinadvisor.com Embracing technology to offer instant loan for the needy has been the motto of Qbera. Headquatered in Bangalore, it provides hassle-free personal loans. Qbera qbera.com Aditya Kumar Founder & CEO Vineet Chawla Founder Amit Sodhi Founder Rentickle is an innovative lifestyle solutions provider offering trendy lifestyle products on rental subscription basis. Rentickle rentickle.com With a vision to mount an extraordinary creative workforce for the present and the future, Sparkt delivers innovative and unique solutions in the fields of digital marketing, digital media, social media marketing, and mobile apps to name a few. Sparkt sparkt.in Shazeb Shaikh Chief Creative Officer & Co-founder Delivering effective software development services, Volga Infotech stands tall in catering to diverse range of market segments - healthcare, education, manufacturing and e-commerce to name a few. Volga Infotech volgainfotech.com Jayesh Bajaj Managing Director & Founder WayCool Foods and Products organize India’s farm-to-fork supply chain, to deliver cleaner, fresher and better produce to consumers, generate higher returns to farmers, and reduce wastage and inefficiency Karthik Jayaraman Co-founder Sanjay Dasari Co-founder Waycool WayCool.in Zenatix is a data-driven company embracing advanced machine-learning based models and build innovative solutions to save energy. Zenatix WayCool.in Vishal Bansal Co-founder ZiffyHomes is a pioneer in innovating technology-driven solutions in the Indian rental marketplace. Offering an array of unique services at miminum prices has been the mainstay of the company. ZiffyHomes ziffyhomes.com Sanchal Ranjan Co founder & CEO

  17. Outstanding Startup Embracing Technology to Deliver Key Financial Solutions F businesses. The company concentrated on building ‘industry-first’ technology along with differentiated credit underwriting techniques that helped to process MSME loan applications with great speed, superior quality and better repayment methods. with NPA gloom and lackluster funds availability for business growth. While serving the industry, FlexiLoans.com witnessed the progress of numerous players in advanced markets like the USA and Europe that influenced and supported millions of businesses using Data based lending post the sub-prime crisis shook these countries. These players lent at differential/ higher rates but based on cash flow statements– which were missing in India in the formal sector. It began ideating about FlexiLoans.com after witnessing the progress of Jan-Dhan, Aadhar and Mobile penetration that were shaping the Digital DNA of the country. lexiLoans.com was incorporated in February 2016 to offer quick, hassle-free and flexible working capital financing options to small and medium sized After 6 months of sustained growth using its own capital, the company raised funds from Marquee bankers like Sanjay Nayar (CEO: KKR-India), Anil Jaggia, Vikram Sud worth Rs. 100 Crores. It was a turning moment for the young start-up and was incidentally one of the largest seed stage round raised by a FinTech startup in Asia. 80% of SMEs in India (~30M in number) don’t have access to formal credit due to insufficient credit history or a complex process. FlexiLoans.com aims at using new-age technology to provide quick, fast and transparent funding access to these deserving small businesses. FlexiLoans.com has so far served over 3000 underserved and unserved small businesses in 400+ cities pan India and is a leader in Data led credit decisioning and financing. It has consistently ranked as a leading Digital partner for E- commerce platforms like Amazon, Flipkart and many others and works extensively with 80+ National partners. The Righteous and Tenacious Team Founded by 4 friends from Indian School of Business (ISB), Abhishek, Deepak, Manish and Ritesh are seasoned banking, financial services, start-up and technology professionals with a deep interest in adding value to the economy by the path they have chosen. What sets them apart is the vintage and combined experience of over 50 years working globally in senior positions in corporations like Citi, Tata group, Aditya Birla Group, Axis capital, Barclays and Fractal analytics. Market Trends Leading to the Inception of Flexi Loans In early 2015, the entire business environment was marred “ Financial access at a click for Indian SMEs is what describes Flexi Loans Abhishek Kothari - MBA from ISB, B.Tech from IIT Bombay Abhishek is an IIT Bombay alumnus with over 13 years of experience in data science and machine learning. Having built big data strategies for over 20 banks across the world, he has an in-depth perspective on customer lifecycle across the lending landscape. For the last 6 years, he was in the heart of FinTech in London witnessing the growth of payments and lending ecosystem. Post that, he moved back to India to bring his experience to build FlexiLoans.com “ 20 July 2018 ™

  18. Ritesh Jain Co-founder ” Abhishek Kothari Co-founder Manish Lunia Co-founder Deepak Jain Co-founder Fast, Flexible& paperless loans” Deepak Jain - MBA from ISB & Chartered Accountant Deepak has over 12+ years of experience across Investment Banking and Management Consulting with Axis Capital (Enam) and JSW Ltd. Raised over USD 10 Bn across 40+ deals across sectors with over 10 deals in BFSI sector. He maintains strong relationships with top Indian corporates, private equity and capital markets investors. Implemented and integrated 12+ IT systems at Tata Teleservices- including Fraud management, SAS, Cognos, CRM and Business intelligence tools. Banking & International stints with Citibank and Starwood Hotels. He has built, scaled and managed teams of over 100 people. Diverse Range of Leading-edge Products FlexiLoans.com is changing the lending paradigm by providing Small and Micro Enterprises (MSMEs) with Loan products that can be accessed without visiting a branch over mobile, web, chat, and Email with the below features: • Minimalistic documentation for KYC and Credit assessment • No collaterals • Loan sanctions within 48 hours • Servicing over 400+ cities Pan India • Flexible ticket sizes of Rs. 50,000 to Rs. 50 Lacs • Loan tenures ranging from 6 months to 36 months Manish Lunia - MBA from ISB (Dean’s List) & Chartered Accountant (Rank holder) Manish is a Financial Services Professional with ~13+ years of experience in M&A, NBFC, Wealth Management, and Telecom. Performed holistic business evaluation and diligence for some of India’s largest M&A deals and restructuring at Aditya Birla Group, Tata Teleservices. Worked in 3 start-up growth phases of leading Indian companies and in CEO’s Office during Indian NBFC's transformation of 10x growth. Ritesh Jain - MBA from ISB (Dean’s List) & Chartered Accountant Ritesh carries 14 years of experience in startups, finance and technology domains. An Ex- CFO at housing.comand The products suite services customers across the MSME spectrum: • Working Capital Term Loans and Line of Credit – For 21 July 2018 ™

  19. Business expansion/ Seasonal Inventory Loans • POS (Point of Sale) Loans – for Retailers with high retail growth/ short-term requirements • Supply Chain Finance- Vendor Financing for Large and Mid-size corporates Within 6 months into operations, most businesses in the country got impacted by Demonetization. One of the premier E-commerce lending platform scaled downs operations heavily that resulted into a heavy drop of business volumes. All these events within a launch of a year have been tough but the entity witnessed a thick silver line in the road ahead powered by more data, more transparency and better ways to do good business. Through these products, the company aims to create a pure form of FinTech lending company which embodies the digital DNA and utilizes data to its smartest form. While the market is huge, and differentiation is not a guarantee to succeed, below are a few mentionable aspects of the products that are unique: • The only full-spectrum FinTech lender to serve all financing needs of an SME through technology based assets. The company has 4 mature financial products to offer which is an industry first. • Data-First approach with a dedicated computer vision team - 4 Patentable tech assets and algorithms that have been able to reduce the TAT dramatically to sub 48 hours, the lowest in the Industry. • One amongst very few micro business loans provider starting from as low as Rs. 50,000 and average ticket size of sub 10 lacs for tenures as low as 3 months accessible in over 400 locations Pan India with a plan to disburse in over 1000 locations within this year. Attributes to Success “Being true, transparent and clear to the customer who subscribes to your product is the key to our philosophy” There are a few values that guides the way a FlexiLoans.com operates. Innovation, Agility, Ownership of one’s task, and Respect. There are times when the core founding members disagree, however collaborating together has helped to achieve results. This has further assisted in taking unanimous choice on managing the key aspects of the company. The Propositions for Future The company strongly believes that it is present at the right time and in the right space which is supported ably by a Strong Founding team (B-school friends), Marquee Banking investors and Industry first technology. Eclipsing Challenges and Rising to the Occasion Every company has ideas but translating those ideas into a tangible product offering is what separates doers from thinkers. In the journey of conceptualizing access of Business funding to millions of Indians who were not able to get funds from Banks and NBFCs, FlexiLoans too had to face their share of dejections, frustrations and slow down. Exclusive features like 100% Branchless model, dream Founding, passionate employees and proprietary data science and technology backed application processing and underwriting have made FlexiLoans.com to create benchmarks and take the company to new milestones in future. 22 July 2018 ™

  20. YOUR RECOVERY IS ALL THE REWARD WE NEED www.sanchetihospital.org

  21. Cooey: Revolutionizing Next Gen Medical Solutions and Services M taking all the attention and time of human life, the condition of those who cannot sustain the struggle and pace suffers the most. The ill and the old are the biggest sufferers of this wild speed, and there comes the extraordinary help and support from Cooey, to serve the old and the unwell that go through a tough time. competition,, odern life and its complexities are too much on human survival and the endurance in today’s world is a lot of struggle. While the fast pace is Manu Madhusudanan CEO Dedication, teamwork and workplace synergy is the only way to stand tall amid crucial ,, Cooey is revolutionizing medical help to give medical support to an overwhelming number of patients. With Cooey’s innovative solution, now patients can minimize their visits to hospitals or labs and still can get personalized insights into their medical condition while staying connected with their doctors. Health IT includes Hospital Information System (HIS) and other products/apps for the sake of a better service and thus empowering them to make informed decisions regarding their medical condition. Cooey stands out with its smart voice assistant Maya, which simplifies routine health monitoring tasks with simple voice commands, and there are Alexa skills incorporated for bed-side assistance as well. The Stalwart – Delivering Ultimate Service Cooey works as the third platform for chronic patient 24 July 2018 ™

  22. walk. Cooey has gone through a lot, to bring out the best in them to stand tall amid the ocean of different business venture and start-ups. The key challenges this organization faced in the initial stage include cultural fit, especially between Singapore requirements and the US requirements and along with regulatory compliances, and telecommunication infrastructure. health management system and it is engaging patients in the system and is providing targeted services to them. It is an IoT enabled mobile-based augmentation layer over an existing HER, which allows its users to collect, store, analyze their health vitals for recurring care needs. It focuses on senior care, home healthcare, chronic disease management, and other health conditions where there is more emphasis on recurring care needs. Additionally, there was lack of professionals with right skill sets, high costs of analytics solutions and operational gaps between the stakeholders are the major factors that are hindering the progress of adoption of analytics. Cooey achieves its “One-Stop Solution” for capturing, storage, retrieval, processing, and data analytics services, through constant engagement and continued support system. The story of success of Cooey is the reality check for those who want to endeavor in such a competitive field. Cooey provides a cloud-hosted, white-labeled mobile platform, MyCooey, with different mobile applications for caregivers, patient & family members that synchronizes on a real-time basis. An administrator can monitor remotely the activities on a web portal. The platform is configurable to suit the respective business segment and style of functioning. Thus, the features can be customized. The solution helps its users to enable remote data capture, adherence and ensures ongoing collaboration amongst physicians, caregivers, patients, & family members. The Aspiring Future Leaders with a Benevolent Mind Cooey is working in a niche area of remote monitoring of health vitals and information that is known for latest technology adoption in healthcare solution. It would project that how data analytics can transform every individual and healthcare organization resulting in benefits to the user. From, the chronic disease management companies which are assisting the humanitarian crisis, to the in-home care facilities, and long-term care organizations, there are the areas in which merit technology with monitoring opportunities are working well. The goal of the organization is to hit that ground and to come up with the best medical support to the every Indian as per the requirement without being blindly and solely dependent on hospitals. Cooey is working relentlessly to achieve the rank to be the forerunner of healthcare revolution. The vision of creating something which is the ‘need of the moment’ always works and Cooey is the eminent example of it. The brand was established in June 2015 by Manu Madhusudanan and Prabhakaran T.P. after their firsthand experience of what many chronic patients have gone through in India and realizing the deplorable health care condition in India. Manu Madhusudanan, the CEO of the company, is a technology leader with over 14 years of senior management experience. Architected and developed Ad management system for Yahoo and Microsoft, and built engineering team of NowFloats, he has a great knowledge to deal with the healthcare venture. Prabhakaran T.P. is the COO of Cooey. He is a tenacious professional with more than 22 years of experience in Healthcare IT and has an immense knowledge and understanding of the complex global healthcare industry. He was earlier the CEO and founder of Pradot Technologies & XScire Technologies and Chairman of GroupOne Health Source. He drives the sales and marketing initiatives of Cooey. Obstacles They Overcome To reach the zenith of a complex venture is not a cake 25 July 2018 ™

  23. HOSPITALSOFTWARESHOP.COM Pioneers in Delivering Innovative Software for the Healthcare Industry H used by the globally renowned hospitals, radiology centres, pathology labs, and doctors. In a conversation with the CEO – Amit U Jain, he talks about the whole idea of creating this online platform along with explaining the current trends, and challenges of the healthcare startups in India. ospitalSoftwareShop.com is a unique online platform offering innovative medical software for the healthcare industry which is primarily being Technology (HIT) Startup – HospitalSoftwareShop.com engaged in providing probably the widest range of Software for the Healthcare Domain – Hospitals, Multi- Specialty, Super-Specialty, Clinics and Diagnostic Centers. He is an astute professional with over 24 years of qualitative experience in Healthcare Information Technology, Consulting, Quality Management and Business Development. His Core Competencies Encompass: 1. Kindly brief us about the company. HospitalSoftwareShop.com is The World's First Online Shop for buying software for Hospitals - Multi- Specialty & Super-Specialty, Eye Hospitals, IVF Clinics, Doctors’ Clinics, Pathology Labs & Radiology Centers. HospitalSoftwareShop.com is an ISO 9001:2015 Certified Company, active in providing software for the healthcare industry globally. The software has been licensed to numerous Hospitals, Nursing Homes, Doctors’ Clinics, Pathology Labs and Radiology Centers. HospitalSoftwareShop.com provides the widest range of products for the Healthcare Vertical. HospitalSoftwareShop.com has been listed amongst India’s 20 Most Promising Healthcare Software Companies. ü Healthcare Information Technology (HIT) ü Information Security Management Systems: Qualified LA: ISO 27001 ü Six Sigma Implementation (Six Sigma Black Belt Certified Professional) 3. How are the healthcare startups revolutionizing the Indian healthcare? Healthcare Start-ups help bridge the gap between healthcare service providers and end-users through applications, Internet of Medical Things, Robots, Artificial Intelligence and state-of-the-art technologies. Indian Healthcare Sector at a Glance: ü GDP Contribution: 6% ü Global Disease Burden: 21% ü Doctor-Patient Ratio: 1:1681 ü Hospital Beds-Population Ratio: 0.5:1000 ü Out of Pocket expenditure: 62% of total healthcare spending 2. Please tell us something about your Founder/CEO and his/her contribution towards the company and the industry: Amit U Jain is the Founder of a Healthcare Information 26 July 2018 ™

  24. Interview With Insights Success Amit U Jain CEO Considering all these challenges, coupled with the growing healthcare requirements of the country and huge inaccessibility & unaffordability of healthcare services for the majority of the population, there is dire need for out-of- the-box, tech-driven, innovative, scalable and low-cost solutions. AND The encouraging news is that healthcare startups have already been setup to bridge this gap, e.g. HospitalSoftwareShop.com provides innovative solutions in the fields of Telemedicine, TeleRadiology, and TelePathology besides Internet of Medical Things (IoMT). 12. Consulting Physician Software 13. Cardiologist Software 14. Gastrologist Software 15. Dialysis Center / Nephrologist Software 16. Andrologist Software 17. Pediatrician Software 18. Dermatologist Software 19. Gynecologist Software 20. Optician Software 21. Pharmacy Software 22. Panic / Duress Button Software 23. Blood Bank Software 24. Agent Management Software 4. Kindly describe in detail about your services and products. HospitalSoftwareShop.com provides the following software solutions; both server-based as well as cloud- based. 5. How is technology helping you or how technology has impacted the Indian healthcare? Technology is helping the Indian Healthcare sector in a big noticeable way, by bridging the gap between the healthcare providers and patients. Telemedicine, TelePathology, TeleRadiology and Internet of Medical Tings (IoMT) are the prime movers. Here are a few illustrations of how HospitalSoftwareShop.com has used IoMT in penetrating the roots of Indian Healthcare: 1. Internet of Medical Things (IoMT) 2. Hospital Software: supports multiple branches 3. Eye Hospital Software: supports multiple branches 4. IVF Software 5. Laboratory Information System (LIS) 6. Radiology Information Systems (RIS) 7. PACS 8. Telemedicine Solutions 9. TeleRadiology Solutions 10.TelePathology Solutions 11.Ophthalmologist Software Instance I: (Tier II Indian City): An elderly person in the family had fluctuating glucose levels, a round strip (like Band-Aid) was stuck to his arm and we could see the graph on our smartphone. Based on the graph, the Diabetologist adjusted his insulin dosage. 27 July 2018 ™

  25. Instance II (Tier I Indian City): A fitness freak friend uses a smartphone app to measures his calorie intakes every day when he has taken excess calories during a meal, the app warns (alerts) him to reduce intake of calories at the next meal. quality healthcare facilities. We then decided to setup a state-of-art telemedicine center in South India where specialists remotely connected to patients in Africa for diagnosis and prognosis. 9. Kindly share us with your Vision and Mission of your organization. Vision Statement: HospitalSoftwareShop will provide an unparalleled experience as the most trusted partner for Healthcare Information Technology (HIT). Instance III (Rural India): In the interiors of South India, patients are connected to Super-specialists of a Tertiary Hospital, their vitals being captured and transmitted in real time through telemedicine. Instance IV (Electronic Prescription Pads): Doctors have been using electronic prescription pads for the last 7-8 years. An electronic prescription pad is an A4 sized letter pad, on which the Doctor writes the prescription / advice. The image is stored in the internal memory of the pad and synced with the patient database. Mission Statement: HospitalSoftwareShop will strive to bridge the gap between healthcare providers and patients by providing out-of-the-box-technology driven solutions, thus improving the Patient Care Cycle. 10. How do you portray the future of healthcare startup industry and how are you preparing yourself for that? Healthcare startups are redefining the healthcare industry in terms of healthcare delivery and bridging the gap between healthcare providers and patients. They also help in improvising the patient care cycle. HospitalSoftwareShop.com is looking forward to increasing reach in terms of geographies, not only in India, but also in Africa, ASEAN and GCC. Our solutions are HIPAA-compliant, so we are also looking forward to server the US and Canadian Healthcare markets. 6. Explain the industry challenges in terms of current trends, market players and cost? Despite the rapid economic growth, India has witnessed an increase in diseases; communicable as well as lifestyle. The size of Indian Healthcare Industry is expected to be US$ 280 Billion by 2020. But, due to factors like; Inadequate spend on healthcare, Rural v/s Urban divide, Poor Health Infrastructure, Very low level of Health Insurance, the industry still faces challenges in serving 1.3 billion population. 7. What are the key areas where healthcare startups have made the maximum impact? The key areas where healthcare startups have made the maximum impact are Internet of Medical Things (IoMT), Telemedicine, TeleRadiology and TelePathology. 11. How the corporate sector impacts or supports the healthcare startup industry? The corporate sector supports the healthcare startup industry by providing mentoring, funding and networking. 12. Kindly provide a quote which describes your company. One-Stop Healthcare IT Solutions Shop 8. What is the USP of your startup? Mention the idea which led to this startup, distinctive features and highlights. The USP of HospitalSoftwareShop.com is to provide the widest range of easy-to-use, affordable, out-of-the- box and state-of-art technological solutions to the Healthcare Industry. During my visit to an African city, I found that despite high income levels, people did not have access to 28 July 2018 ™

  26. Tech Talk IWORKTECH – Delivering Innovative Blockchain Solutions T government to bring in more transparency in operations. Transition to anti-corruptible and anti-censorship is going to bring changes which are catastrophic. It has become a word, which is getting used to my fear, as a solution to every problem. he advent of a blockchain started a movement. In our country currently it is getting discussed in the context of crypto-currency, it’s usage in The blockchain evangelists also referred to it as Web3.0. I am sure that this technology is going to facilitate the decentralization of the World Wide Wed. It is going to create an opportunity to equalize control and ownership from the grasp of the profit-hungry organization. By now, it’s ecosystem consists of over 3000 crypto coins and over 900 decentralized apps or Dapps. Even though the technology is at its a nascent stage, the market valuation has already exceeded beyond 800 billion. Social Networks Today, the content published on the social can compromise by the app company. It has started a revolution which is aptly described by Matteo Zago (Chairman @ The Internet of Blockchain Foundation, Founder@Essentia.one) in one of his blogs. According to him, this technology goes to prove that a more liberated, egalitarian, and fraternal internet. It’s going to bring “torrent of disruption” to the established tech giants. In this article, I share new startups which have a potential to turn into big. I have taken blockchain technology as a base. To improving understanding, I am comparing them to current centralized technology companies and their application. I am referring theses companies as, Web 2.0. File storage Web 3.0 is pushing to reduce cost and improve securities. The idea is to trade unused storage capacity across desktops, servers and storage devices. Messaging With Web 3.0, content remains in the hands of the user. 30 July 2018 ™

  27. Video streaming A common issue raised by content generators about videos are inconsistently and unjustly demonetized. Web 3.0 hopes to resolve it. About the Author Atul Gunjal is the CEO of IWORKTECH which is a well-known provider of IT solutions and specializes in delivering custom cloud, mobile, and enterprise applications tailored to perfection. Atul works with a determination to establish the entity as one of the most respected outsource product Development Company. He manages the overall vision and business strategy, including expansion into new markets, high-level technology direction, and operations. Music streaming One Web 2.0, the current middleman fees cut deep into artist’s pocket. The Web 3.0 will make to remove intermediaries and enable advertisers, viewers, and content creators to engage directly with each other. More and Summary Decentralisation is making inroads. I tried to cover some verticles. I hope it gives you some idea of new startups which are operating in a blockchain environment. 31 July 2018 ™

  28. Chalk Talk to Know Before to Know Before STARTUP BUSINESS STARTUP BUSINESS C Since the evolution of mankind, inventions and innovations have been an integral part of the human ecosystem. Be it the discovery of fire, electricity or how water can be harnessed to generate electricity, they all have been major innovations that started off as just a thought in someone’s head. With a population of 7.6 billion people and rising, the world has more innovators and thinkers than before and this can make a major difference in the way the world moves ahead. And it can only be done when the thoughts are given a proper platform to be turned into innovations. A plethora of ideas has evolved over the last few years which have made a significant difference in the lives of people. Innovations such as 3D printing are now being used to digitally print basic objects that even we can use, like vases, measuring cups, bottle openers etc. It is also used in hospitals to print outcasts and prosthetics for patients. Brain mapping is another such idea which neuro-scientists have been using for a better understanding of how the brain functions. ultivating innovative thinking starts at the top. Leaders can foster a culture of innovation by encouraging creativity and experimenting with a new idea- Lynne Doughtie 32 July 2018 ™

  29. Startups and Reclaimed Ideas The constant emergence of ideas needs to be steered in the right direction. Only then can it be put into action. And that is where startups come into the picture. Startups encourage the exchange and implementation of new ideas. When an idea comes up, its pros and cons are weighed in. There is a lot of research that goes into it and is given a thorough check. Only if it’s useful to the world and is something that hasn’t been done before, it’s implemented into the big plan. In the Indian perspective, independent reports suggest that the total funding in Q1 2018 reached up to a staggering 1.17 billion USD. As compared to Q4 2017, it has witnessed a growth of over twenty percent. While Fintech as a sector received the highest funding, Bengaluru recorded the maximum funding deals. The concepts may not have worked in the past but with the world constantly transforming, implementing the same thought with a few changes can be the first steps towards founding a startup. For example, if the idea of food delivery using an app was thought of as impractical in the past, a couple of years later, it is now one of the leading sectors of the food industry. This shows how one opportunity can probably make a difference. 33 July 2018 ™

  30. Uniqueness in Startups Startups have a very different way of functioning. When an idea is nowhere close to becoming a part of reality, startups work towards making the impossible, possible. And the world has its share of innovations to push through. The most unique ideas have a way of grabbing even the common people's attention. An exemplar of novelty is a delivery service for food and other essentials. The catch here is that this service delivers anything in the middle of the night. Another example is a company that recycles cigarette butts to make new items such as key chains, soft toys etc. The fact that social gatherings create a lot of waste in the form of cigarette butts was the catalyst for the startup. Building up a startup: Modern day innovators Looking back into the past, there was a lot of encouragement was given to the discovery of new ideas. But to put it into action it required a lot of time, resources, effort and even the necessary finances. And the past is less advanced than today; it posed a major challenge to anyone who wanted to create a wrinkle in the norm. In the past, anything new was thought to be something bizarre. But the neoteric world is one that accepts advancements with open arms. For a startup to be a part of the minds of people, it needs to give them a reason to notice. This requires a copious exchange of ideas, knowing if the concept matches the target audience and mainly how the organization will be funded. But along with this process, a startup comes with its own set of challenges. In the Indian scenario, the policies created by the government for the startups aren’t really the friendliest. It requires a lot of effort. Even after the entire process is done and the company is set up, there are a lot of restrictions that weigh down the progress of the company. Another situation that usually arises is talent. Individuals who have brilliant skills tend to prefer a corporate which in a way can be justified with regard to the amount that is offered. This directly speaks of the main challenge being, funding. Startups have a tough time trying to invest a particular amount as they're constantly low on funds. This leads to a reduction in facilities, pays, lack of proper equipment etc. Even with a sober picture, it’s reassuring to know that since 2017, the Silicon Valley has its eyes set on the Indian startup scenario. The move of the Indian government of implementing GST has given startups the freedom to pay taxes only when the turnover is 20 lakhs. Finally, startups have been getting into mergers and acquisitions which have intrigued other investors to invest in Indian startups. Workability and future prospects of innovation and startups: The world is a Pandora’s Box of ideas, opportunities, and people who bring up these concepts. When you focus on a particular idea and envision it to be a success, it is bound to be exactly that. In a world where innovation is the way to growth and development, startups have the upper hand. They bring forth the belief that an idea can grow into an organization. As per reports, there will be more than 11,500 startups in the country by 2020 which will, in turn, create jobs for the needful. With a promising future ahead, this source of novelty is bound to attain greater heights of success and operational excellence. 34 July 2018 ™

  31. FitMeIn: Unloading Calories through All-Inclusive Fitness Solutions D and innovative breeds of health-tech startups are emerging with solutions transforming consumer lifestyle, mental stress, and early diagnosis of genetic disorders. They are even going to the extent of reducing the after effects of critical processes such as chemotherapy. The companies are every day working with the vision to create an ecosystem that would facilitate a better and faster healthcare environment. As the saying goes “health is wealth”, these startups are assisting to bridge the gap between the doctors and patients and secure the human health in the coming future. believe in,, ays are getting vanished when health-based startups were providing diagnostic, enterprise, and medicine delivery solutions, etc. Today, the new Vishesh Goel Co-founder Nidhisha Varshney CEO & Co-founder Work, sweat and achieve that’s what we stand for and ,, One such innovative startup pursuingmore flexible ways to keep up with the fitness routines isFitMeIn. It is a curated web and mobile platform that connects users seeking fitness and wellness services with nearby Wellness coaches and Wellness centers. The company holds the right combination of cutting-edge technology and prominent services. FitMeIn is backed by a Singapore based startup accelerator Green House Ventures and the largest AI driven digital health company of Japan – FinC along with seed funding. “We exist to help our community make healthier choices and improve their physical, mental and spiritual state of being”. 36 July 2018 ™

  32. Meet the Vibrant Leaders Nidhisha Varshney is the Co-Founder and CEO of FitMeIn. Nidhisha has completed her undergraduate degree in finance from CBS, Delhi University. She is a fitness freak and also a professional Kathak dancer since the age of fourteen. Vishesh Goel, the other co-founder is a Chartered Accountant and business consultant turned entrepreneur. The core team also consists of seasoned entrepreneurs Supriya Mamgain and Lalit Singh, who has run their technology-enabled startups in the wellness space. Furthering its commitment to organizing the eco-system, FitMeIn’s AI-powered SaaS platform provides wellness centers and coaches with dynamic real-time insights to better manage, sell, and grow their services. Strategizing Success through Risks Finding the right blend of technology and services was the biggest challenge for FitMeIn. The organization experienced major risks at its embryonic stage as a pure marketplace that was relying on the supply partners. Though fitness was still a nascent industry (i.e.85% sector being unorganized with less than 1% Indians as active users), the company focused on its idea that ‘personal wellbeing and fitness is the right of every individual’. It was a daunting task for FitMeIn to develop itself in the fitness and health tech sector where the count of individual footprints is less than one percent. In the early years of inception, this team was unable to cope up with the fitness regime due to the stressful corporate environment.They recognized that this problem is being faced by more than seventy percent of their colleagues trying to pursue their regular fitness routine. Being avid sports players, the trio decided to establish a health-tech startup with a vision to build a fitter workforce that can fuel India's economic success and GDP growth. They transformed their idea into reality and founded FitMeIn. The company overcame the challenges by building a platform amongst supply partners with newer and disruptive ways of engagement with the potential users. FitMeIn stayed lean, operated efficiently, and strategized a successful pathway through crests and troughs. Furthermore, the team believes that with the right kind push through policy making, for more individuals to take up fitness and wellness services as career options, India is all set to see the next boom in the Fitness sector, and FitMeIn will be at the forefront leading the charge of building the fittest workforce on the planet. Under the leadership of the core team, the company has transformed itself and expanded its operations over more than twenty-five cities with more than twenty-five thousand service partners, impacting over one million lives. A Unique Platform Providing Innovative Services and Benefiting Clients FitMeIn is making a robust fitness eco-system in India by creating an innovative technology-driven platform. This platform is bringing thousands of fitness service providers and lakhs of fitness users under a common roof. It has democratized fitness services for individual users through its trademark currency FitCoins. It provides its customers with the flexibility to explore and book more than thirty workout styles like gymming, yoga, zumba, dance, swimming, spinning, kick-boxing etc. These workout styles are made attainable to the customers at fitness centers near their office or residence, via the FitMeIn web portal and app. This aids avoiding the expensive annual gym subscriptions and helps the customers to keep purchasing and refueling FitCoins as they progress. Additionally, FitCoins help businesses to promote proactive health and wellness. It can also engage employees at the office premises to drive a healthier workforce. Core Strengths and Futuristic Vision FitMeIn’s greatest strength is the willingness and ability to adapt to an ever-changing and dynamic Industry. Standardizing the process of discovery, selection, pay, and service delivery through technology in an unorganized industry is also a strong point of the company. Over the last fifteen months, the company has built a strong network of channel partners and distributors which has tripled the market penetration for FitMeIn. With a futuristic vision to transform the health tech sector in India, FitMeIn is planning to leverage this 15x to fuel aggressive growth in the near future. the near future. planning to leverage this 15x to fuel aggressive growth in With a growing user base of fitness enthusiasts, the company has also launched a proprietary IVR helpline by which the customers can an expert diet coach anytime, to better accomplish their wellness goals. 37 July 2018 ™

  33. Flochat: Connecting People, Innovating Life A recent times. One of its key contributors is the mobile application industry – as India becomes the fastest growing market for mobile apps in the world! Analysts and experts forecast that the market has earned over 400 million USD as revenues in the last one year itself. As the ‘consumption- class’ in India increases at a substantial rate, the mobile application industry is poised to rule the market along with expanding its footprints in the unexplored territories. We at Flochat believe that the ‘Flo’ of ,, ,, s the GDP of India’s economy continues to swell with market-friendly policies and measures, startup industry moves forward to witness a boom in the Prateek Lal Founder & CEO conversations should never break and Massive funding, evolving technologies, consolidation activities, and burgeoning domestic market trends are the factors driving the startup eco-system in India. The startup India campaign launched by the Government is also a significant step to dominate the global startup market. As the country gears up for a surge in this sector, the Indian app entrepreneurs are concentrating more on developing m-commerce, digital-healthcare, artificial intelligence apps to cater to the market. hence we have built an ecosystem that not only enables smart and quick communication but also a highly personalized experience. With 'Teleport', in particular, we want to do away with “Opportunity is missed by most people because it is dressed in overalls and looks like work” – Thomas A. Edison Talking about innovative startups, Flochat stands out to be the first ‘super-messenger’ of India with a first in the world technology called ‘Teleport’. It allows users to click a picture with someone who is not physically present with physical limitations and allow people to connect and create memories no matter where they are through a simple picture 38 July 2018 ™

  34. them. This unique feature bundled with other applications is designed to meet the diverse needs of every Smartphone user. Founded in 2016, the proficient team has grown up to fifteen professionals and has already got about 600,000+ downloads on android and iOS. Flochat is a hybrid chat platform which lets the user connect to their social circle as well as giving the liberty of browsing & sharing content from other apps right within their chat screens. As the pioneers of launching India’ first ‘Super messenger’app, it stands out to be the first step in the future of conversations. Personalized chat, challenge & teleport features are some of the path-breaking features which are driving the growth and expansion of the company to untouched markets. The USP of Flowchat is that it seamlessly integrates numerous lifestyle apps within in messenger so that the ‘flo’ of conversations never break. Planning with friends, books, and sharing without leaving the chat screen is the biggest advantage. the globe to develop a technology that allows taking a picture with someone, who is not physically present at the same location. Naming it ‘Teleport’, Flochat has patented this technology and this unique offering has been the USP of the organization. Another exclusive feature is Flochat's cheeky and sarcastic chatbot called’Floda’, it can assist the user in performing day-to-day tasks like booking tickets, impressing friends with smart quotes or even planning a favorite holiday. It’s highly interactive and interestingly, it offers sarcastic replies whenever a user irritates it with a volley of questions. Innovation and evolution are the core virtues of the entity which is driving the business at a steady pace. Flochat has also built a multi-functional chat platform which aims to simplify and enhance the overall experience of chatting. Flochat embeds leading service and content providers across verticals & delivers a seamless personalized chat, challenge & teleport experience to the users without even breaking the flow of conversations. Partnering with renowned online lifestyle solution giants like Zomato, Uber, bookmyshow, and Ola – to name a few has given the edge to the company to evolve as a major player over the years. A Stimulating Frontrunner As the Founder and CEO, Prateek Lal is a young, pragmatic business leader who has been the driving force of Flochat. He carries a futuristic vision of embracing technology to change the way of communication and create a disruption in the current messaging market space. Prior to his entrepreneurial venture, he has a professional experience of eight years. He was associated with renowned MNC’s in the Banking and Financial sector. His experience in managing diverse roles in the areas of strategic planning, product development, and digital initiatives has given him the confidence and exposure to rise to new heights. Factors Attributing the Success of the Company The key differentiator which helps the company to stand ahead of the other players is the ability to think ahead of time. Focusing on building a prospective future has helped Flochat to carve out its own elite niche market space and a loyal customer base. With sheer determination, it continues to progress forward by embracing innovative technology to be amongst the numero uno in the mobile app industry. Right from the beginning, Prateek is focused and determined to understand and fulfill the requirements of the customers, rather than relying on historical data. From the inception, he had students from school and colleges on board to brainstorm ideas, find out what would they enjoy in their messenger and then develop the app accordingly. Most of the features in Flochat are a result of continuous primary research with students. He did his Master's in Business Design which further enhanced his knowledge and expertise in grasping an in-depth understanding of 'human- centered design’. Streaming Towards a Positive Future As the surge in the global app industry continues to disrupt the economies of several countries, Flochat crafts its future- path in the best possible manner. Offering a bunch of trending features, the organization is all set to transform the app industry with more improvised and new technologies that will surely engulf the mind of the users. that will surely engulf the mind of the users. Teleport – Flochat’s Patented Technology Developing innovative ideas and technologies has been the forte of Flochat since inception. It is the first company in 39 July 2018 ™

  35. TECHNOLOGIES EmbracedBy STARTUPCompanies That Are N ot long before Blackberry went bust it was named by Fortune as the fastest growing company globally and valued at more than USD 55 billion. Similarly, Yahoo during its heydays touched a peak valuation of USD 140 billion before its market share and subsequently the estimation hit rock bottom. Now, what is common between the two enterprises apart from its dramatic slump? Both were market disrupters of their era and used tech innovation to introduce platforms, which were unique and revolutionary in nature. In fact, whats app is often considered to be an evolved version of blackberry messenger and Google search engine as-well-as mail is akin to what Yahoo was in the 90’s and early 2000’s. However, the inability of the two tech giants to transform with the curve ultimately spelt doom for them. understanding their query in detail and navigating the conversation to provide a quick and relevant response. Therefore, combining the advantages of virtual and human assistance has assisted to deliver a differentiated customer experience. Blockchain Data protection and privacy are the buzzwords for consumers and businesses today. Before the arrival of this technology consumer data or historical footprint could easily be tampered with. However, Blockchain technology has a complex network of interwoven e-records, having multiple replications making it extremely secure and hack- proof, therefore emerging as a safe custodian of records. Many startups are embracing this tech to position themselves as a differentiated entity and increasing levels of data transparency will only further popularize this tech. Thus, Blockchain has the potential to enhance the quality of service delivery while improving confidentiality. In fact, 2018 has been touted as the year of blockchain technology. Nonetheless, it seems that the startup businesses in the present scenario have learned their lessons from the past and are embracing new technological tools to serve the unique needs of their esteemed customers. Startup ventures, often strapped for finances are leveraging the benefits technology has to offer to keep their costs down and acquire as well as retain customers, which in turn is fueling their growth. While the nature of technological adaption for these ventures is determined by numerous factors such as the ecosystem it functions within, and the amount of investment needed to integrate it with the company’s operations, some prominent innovations to gain universal appeal are: Big Data Big data has emerged as an integral technological tool to offer personalized services to the consumers and are being extensively adopted by startups. Through insights collected due to the application of big data, startups are able to segment customers on the basis of demography, preferences, behaviour etc. thereby facilitating a seamless customer experience, which augments their operations and build a loyal client base. As businesses understand the value of learning from the insights provided by data, the application of this tech is set to grow phenomenally. To conclude, while there are other emerging technologies in the industry landscape, which facilitate business and are being increasingly deployed, the focus of any business entity, start-up or otherwise is to achieve growth by acquiring a customer base and retaining it through a customer-centric approach in a cost-effective manner. It is here that AI-chatbots, blockchain and big data is clearly gaining ground. Chatbots Start-ups with their customer-centric approach have redefined the levels of customer experience in India and globally. One of the prominent innovations being embraced by these ventures are AI-Chatbots because of the inherent benefits this tech innovation offers in augmenting customer centric capability of business ventures by facilitating quick redressal of queries. One of the core benefits of this technology, which has contributed to its surge and makes it the queen bee of innovations with global appeal, is their unique ability to create a seamless customer experience by 40 July 2018 ™

  36. Expert’s viewpoint About the Author Ashish Gupta is the Chief Technology Officer (CTO) and Chief Product Officer (CPO) at Policy Bazaar, India's largest online insurance aggregator and is committed to building awareness among every individual before buying an insurance cover for their loved ones. He has been instrumental in driving the revenue through market research, product marketing, and content marketing. Prior to joining PolicyBazaar, Ashish served as Vice- President and CTO at HealthKart and was the CEO of online coupon-search portal CouponVoodoo.com. 41 July 2018 ™

  37. Go4Cabs: Providing Private Ground Transportation Service around the Country E expansion, and investments; startups today are immensely blessed to have amazing opportunities to network. Stories of success inspire the youth to act and work to bring their own ideas to fruition. The e-commerce industry been directly impacting the micro, small & medium enterprises in India by providing means of financing, technology and training and has a favorable cascading effect on other industries as well. The idea of co-working spaces or incubators, to accelerate the start-ups by providing monetary and infrastructure support has given a good push to the system. Start-ups are making good use of the facilities available and are showing a sign of good times. ,, ntrepreneurship is a game of patience, persistence, and diligence. While every idea finds its way through the initial issues pertaining to space, Gauraav Dalal Founder We are exploring more opportunities and gaining more customers by following the digital route ,, Based in India, Go4Cabs was founded in the year 2014 by Gauraav Dalal. It has come in existence for providing the highest quality service to local corporate, SMEs, overseas business and leisure travelers visiting India. As the world's most important economic development region and with a huge number of the world's population, India is a primary travel destination for business, trade and tourism. Aggregator of Cab Rental Solutions Imagine millions of drivers out on the roads, working together towards a common goal which is to outsmart traffic and get everyone with the best route to their work location 44 July 2018 ™

  38. and back, every day. Go4Cabs enables widespread renting of vehicles and is a leader in online cab booking. With own office, it has a proven partner focused network of online car rental services. It has enabled clients in more than 65 cities to avail the car hire services which has made the company outperform the competition and stay ahead of the innovative services. upper hand over personally owned ones when it comes to being pocket-friendly. This commuting option is cost effective, allowing customers to save a lot of money, while also enjoying a hassle free experience. Started with a very small customer base of friends and family, Go4Cabs started growing through referrals like corporate referrals and retail referrals. GO4Cabs relationship with each corporate client is quite deep rooted and personalized by contacting good referral programs. Persistent and an Ardent Entrepreneur Gauraav Dalal, a B.Com Graduate with MBA degree in Marketing from Pune University, has 14 years of corporate work experience in India and Overseas, including companies like ICICI Prudential Life Insurance Co Ltd; in Mumbai, India, Damac Properties LLC, and Landmark Retail LLC in Dubai, UAE. GO4Cabs idea was formed based on the problem faced by the personal & professional people during their travel frequency to Mumbai & Ahmedabad from Dubai between 2007 till 2010. Getting a cab or taxi at Mumbai airport and back home in Ahmedabad was a daunting task. Courteous Chauffeurs A chauffeur’s elegant title suggests that he’s more than the guy behind the wheel. A consummate professional, who not only offers you a safe ride, but also adds elegance to the ride. At Go4Cabs, Chauffeurs are highly efficient, polite, well-mannered, smart and experienced in handling corporates and foreign clients, who are known for their round the clock services. If you feel like grabbing a cup of coffee before heading to the airport, a Go4Cabs chauffeur will take you to the best café in town, or he'll pop over to a fast food joint, if you'd prefer. The ultimate choice is always with the client. The e-commerce has transformed the way business is done in India. Gauraav always had a passion for e-business since the very beginning of his career and after evaluating three businesses, Gauraav finally zeroed down on GO4Cabs – A cab aggregator model, PAN India, having good prospects and its own challenges and hence GO4cabs was established in June 2014. Aiding Clients with Mobile-friendly Services Go4Cabs provide the extended services to customer's pocket-friendly rates. Renting a car is now at ease in any city (65 cities) PAN India with just a click away at Go4Cabs. One can sign up through the website or through mobile app and book the car of their choice & interest, instantly. Car for the unexpected situations are also available with GO4Cabs. Most of the car rental that one hires put forwards the problem like hidden costs or unnecessary breakdown in the middle. But, with Go4Cabs this dilemma is unimaginable, as GO4Cabs has taken extra precaution while registering a vendor or a vehicle. There are strict policies and processes which have been kept which the vendors and vehicle owners need to follow. Also, GO4Cabs back office team takes care of the vehicle allotted for the trip. The team speaks to the allotted chauffeur and takes the details about the vehicle/s and also instructs the chauffeur about the process which are being followed. Picking the Car that Fits Ones Need Go4Cabs caters to all segments (airport/station transfers, local, outstation, 1waycab, luxury cabs, coaches & buses, staff transfers, cabs on monthly contract) and provides standard size cars as well as large cars according to the choice of the client, as per the budget. From Sedan to SUV's the Luxurious BMW, Go4Cabs provide customized services by the virtue of its large fleet of cabs PAN India. Working with various cab operators, Go4Cabs believes that a responsibility also needs to be extended beyond business. The Easy to Go, Go4Cabs has overcome ubiquitous problem in India for the people to get a good quality car at affordable rates for their outstation or full day city travel plans. With wide choice of cabs in all segment & categories ranging from Sedan economy, Sedan Mid-Size, Sedan premium, Sedan luxury, SUV, Coaches and Buses it has established strong customer relationship which makes the clients to use the services repeatedly. Accelerating into a Bright Future Go4Cabs has grown leaps and bounds over the years due to a rising demand for better and sustainable modes of transportation among its growing urban population. Driven by a hunger to experience vast avenues, coupled with an innate fear of missing out on certain opportunities, the millennial youth of India is gradually becoming the force that is fueling the growth of the car rental industry. Business through Referrals Despite being a relatively new market, rental cars get an 45 July 2018 ™

  39. Gramco Infratech Empowering Farmers and Innovating Agri- Infrastructure Solutions T employment. As the third-largest agriculture producer by value – the industry has witnessed numerous changes over the past few decades. Along with the Government’s initiatives and programs, the emergence of private players has fuelled the pace of agricultural growth in India. Agri-tech startups have taken the center-stage and are disrupting the Indian agricultural economy in unexpected ways. Entrepreneurs are building innovative solutions to indigenous problems and are surviving the stiff competition by being absolutely real. is fatal,, he agricultural sector has been one of the mainstays of the Indian economy both in terms of its contribution to GDP as well as a source of Raman Singh Saluja, Founder (Invitee Mentor, Startupindia, MOA) No victory is nal and no defeat ,, A Seasoned Entrepreneur Having Multi-Faceted Excellence Gramco Infratech Pvt Ltd– A Rural Company is the brainchild of Raman Singh Saluja to address the needs of the farmer community in India. As the Founder of Gramco, Raman has been a pioneer in setting up an integrated farming services and agricultural infrastructure. After completing his graduation and Master’s in Business Administration, entrepreneurship came naturally to him. His expertise and business acumen led him to be an integral part of various key ventures before he finally conceptualized Gramco in 2009. Prior to Gramco, He was also appointed as the 46 July 2018 ™

  40. Nodal Officer for the state of Madhya Pradesh by MANAGE, under the Ministry of Agriculture. He has very diverse business knowledge as a result of his past ventures varying from wind power, exports of agricultural commodities and being involved in families steel business. He is the Founder- curator of the ‘Global Shapers Community’, Indore Hub, – which is an initiative of the World Economic Forum. Failure and success is a part of every voyage and Raman’s professional journey is no exception to that. His sheer determination to conquer the challenges and create opportunities has made him stand ahead of the league today. Raman asserts ‘if you believe you are offering a viable alternative which has a commercial potential, you have a possible business potential’. services and higher income. The company has transformed itself into a full-fledged farming services, product and infrastructure entity – a complete solution provider for the rural sector. Agri inputs and nutrients, warehousing, collateral management and warehouse receipt finance, procurement, value-addition, and contract farming & seed multiplication programs are the key services offered by the company. It continues to develop business models and launch services which are effective and helpful for the farming fraternity. The trust and confidence of the farmers have driven the company to date and that's the utmost satisfactory experience it has acquired over the years. Industry Challenges – Ray of Opportunity Journey Fostering Creativity and Innovation Gramco is derived from the word ‘gram’ which means a village in Hindi language and ‘co’ refers to the short form of company. Raman’s previous entrepreneurial ventures like the export of potatoes and‘grammandi.com’ – an online agri e-commerce/ market intelligence platform- are the key attributes which led to the formation of Gramco. He analyzed that having a close proximity to farmers and establishing a meaningful relationship with them is the critical first step towards bringing a radical change in the agricultural sector and operating a rural venture. His observation and a detailed study of rural business backed by the interactions with the farmers assisted him to point out the gaps in the hugely fragmented and unorganized industry. Being ahead of the curve, Raman saw a business opportunity to build something meaningful and contribute by taking it to a level where he could manage and deliver better results. The agricultural sector has come a long way since independence; however, a lot is still to be done. Samriddhi Fund managed by SVCL, invested Rs15 crore in 2014 to help scale up infrastructure and geographic expansion. As the face of the rural domain, Gramco too has faced tough challenges and obstacles during the initial years. Human resource, rural connectivity, and ‘over-regulatory’ measures adopted by the government are some of the examples. Additionally, technology and capital are the two indispensable components which need to be looked upon to minimize the challenges in the industry. Continual improvement and embracing technology keeps Gramco ahead in the market, the company has conducted pilot projects with IoT & precision agtech and is soon launching high value agtech solutions. Marching towards the Horizon As the agricultural sector is on a steady trajectory of growth, Gramco is determined to cement itself as a formidable, FARM TO FORK & FACTORIES TO FARMS, player in the years to come. Attributing his family’s support as the main success factors, the company looks to hold a positive outlook for the future. It is confident that the business model and its guiding principle of ‘farmer first’ will assist Gramco to create milestones as well as giving a tough competition to the best in the industry. Astounding Services of Gramco Infratech If not the only one, Gramco stands to be one of the forerunners of introducing farmers to ‘outsourced farming’ – a new concept in the Indian agricultural eco-system. It offers world-class facilities in rural areas of the country and caters to different needs of the farmers under a single roof. It closely works with the farmer community and provides solutions and guidance in the areas of agriculture advisory, input supply, post-harvest storage, automated cleaning/grading/ packing, and market linkages. Over the years, Gramco has evolved and has benefited thousands of farmers with qualitative 47 July 2018 ™

  41. 48 July 2018 ™

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