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Showing posts from May, 2021

*Capri Global Capital Ltd PAT rises 10% Y-O-Y to Rs 1.77 Bn*

 ~ AUM up by 20% to Rs 48.48 bn driven by its focus on MSME and affordable housing finance segments ~ Performance Highlights for the quarter ended March 31, 2021 • Total Assets Under Management stood at Rs. 48.48 bn in Q4 FY21 as against Rs. 40.35 bn in Q4 FY20 • 75%+ book constitutes of MSME and Affordable Housing Finance  MSME book grew by 23% Y-O-Y to Rs. 25.11 bn   Affordable Housing Finance AUM grew by 29% Y-O-Y to Rs. 11.55 bn • Total Disbursements stood at Rs. 14.4 bn • Capital Adequacy Ratio remains strong at 37.7% level • The Asset Quality remained healthy with NNPA at 0.9% in Q4 FY21 • Serving over 29,400+ customers across businesses through 85 branches in 8 states Performance Highlight of the FY’21: • Net Interest Income and NIM for FY21 stood at Rs. 3.85 bn and 8.7%, respectively • Ratio of operating expenses to net total income for FY21 improved to 35.3% v/s 40.9% in previous fiscal • PAT increased by 10% Y-O-Y in FY21 to Rs. 1.77 bn v/s Rs. 1.61 bn in previous fiscal •

*From Vaccine to Vaccination*

 May 28, 2021 The manufacturing, testing, release and distribution of vaccines is a complex and multifactorial process with hundreds of steps, requiring a diverse pool of human resources. For vaccines to result in actual vaccination of people, highly coordinated efforts are required from international supply chain, manufacturers, regulators and State and Central government agencies. Production scale-up of vaccines is a step-by-step process, involving several regulatory SOPs of GMP (Standard Operating Procedures of Good Manufacturing Practices). There is a four-month lag time for COVAXIN®️ to translate into actual vaccination. The timeline for manufacturing, testing and release for a batch of COVAXIN®️ is approximately 120 days, depending on the technology framework and regulatory guidelines to be met. Thus, production batches of COVAXIN®️ that were initiated during March this year will be ready for supply only during the month of June. Based on Central Drugs Standard Control Organisati

मध्य प्रदेश के सागर और भोपाल में पले बढ़े कलाकार अमित सोनी (एक्टर / प्रोड्यूसर) ,

 गौरव सक्सेना "भोपाल "(म्यूजिक डायरेक्टर, सिंगर और लिरिक्स राइटर) मनुज दुबे "दमोह"(म्यूजिक डायरे्टर, परकशनिस्ट) और राइटर दीपक दुबे ने साथ मिलकर फिर से मुम्बई में एक नया गाना तैयार किया है जिसे बहुत ही पॉपुलर म्यूजिक प्लेटफार्म  "ज़ी म्यूजिक" ने रिलीज़ किया है इस सोंग का नाम  "तू जो मिला खुदा मिला" है जो रिलीज होते ही काफी सारे नेशनल चैनल्स पर दिखाया जा चुका है। और काफी पापुलर भी हो रहा है!   इस सॉन्ग को गौरव मनुज की म्यूजिक डायरेक्टर जोड़ी ने बनाया है। गौरव सक्सेना ने इसे अपनी मधुर आवाज़ से सजाया है। वहीं अमित सोनी इसमें फीचर कर रहे हैं और साथ ही एक जाने माने एक्टर और इस सॉन्ग के प्रोड्यूसर भी है, अमित के साथ वीडियो में पल्लवी वर्मा हैं , और यशविका मिही वर्मा (चाइल्ड आर्टिस्ट) भी हैं जो भोपाल से ही हैं। इस गाने का डायरेक्शन विनोद तिवारी जी ने किया है ! मनुज दुबे भी गायक कैलाश खेर जी की टीम में शामिल हैं। इस सांग की प्रोडक्शन एंड मैनेजमेंट भोपाल की ही कंपनी वर्चुअल विज़न पिक्चर्स एंड प्रोडक्शन ने मुम्बई की कंपनी वीकेंड मीडिया के साथ संभाला व मध्यप

*QNET Launches All-in-One Disinfectant Solution Generator (DSG) MyHomePlusDSG*

 The innovative All-in-One Disinfectant Solution Generator transforms tap water into 100% natural Disinfectant and Sanitiser India, 27 May 2021: QNET, the leading e-Commerce based Asian direct selling company announced the launch of MyHomePlus Disinfectant Solution Generator (DSG). MyHomePlus DSG transforms tap water into eco-friendly disinfectant and sanitiser. This revolutionary DSG eliminates 99.9% of germs, bacteria, viruses and helps to keep fruits and vegetables clean from pesticides. Being a multipurpose disinfectant, this is effective on germs, mild on the skin, and its eco-friendly nature makes it a perfect choice for the current COVID situation in India.   As India is hugely affected by COVID 2.0, appropriate hygiene measures and sanitising have become of utmost importance. DSG is 100% natural, non-flammable & non-alcoholic, it is mild and safe. One needs to just spray and wipe hands after 30 seconds, so it can be used as hand sanitiser too.  The product is equipped wit

*Edukemy Announces GS Mains Test Series for UPSC 2021 Aspirants*

 New Delhi, 27th May 2021: Edukemy, India’s first EdTech Company in the non-STEM segment, today announced GS Mains Test Series 2021 to help students prepare for the upcoming UPSC examinations.  Students enrolling in the GS Mains Test Series will undertake 16 comprehensive tests which will be evaluated by a team of experts and skilled faculty. Additionally, students will get personalized feedback during the post-test discussion sessions with detailed comments which will aid in improving overall preparations.  Sharing his views, Mr. Chandrahas Panigrahi, CEO and Co-Founder, Edukemy, said, At Edukemy we aim to offer students an array of live and interactive courses to help them prepare and qualify for India’s most prestigious exams. The GS Mains Test Series is an addition to our existing offerings which will play a key role in acing the UPSC 2021 examination.” Tests commence from May 31 and students can visit the website: to register. Additionally, downloadable stu

*Renowned Numerologist Mr J. C. Chaudhry launches the “JC Nummerro App” to provide predictions to Individuals and Corporates*

 • The app will enable people to know about their lucky and unlucky numbers and dates, compatibility with life partner, children, company, residential address, city, country, mobile, vehicle number, lucky gemstone etc. • It is available for download from Google and Apple Playstores in Android and IPhone versions respectively  Delhi, May 27, 2021: Noted Numerologist, Mr. J C Chaudhry, Chairman, Chaudhry Nummero Private Limited has launched the ‘JC Nummerro App’ combining 35 years of his experience in the field of Numerology. The app provides valuable insights and close-fitting predictions based on various numerology based parameters like psychic number, destiny number, name number, ruling number, etc. The App is available for download from Google and Apple Playstores in Android and IPhone versions respectively. Numerology is regarded as one of the most predictive sciences revealing the hidden correlation between the numbers and what is happening in one's life. The major advantage of

*Cummins India Limited Results for Q4 2020-21*

 Pune, India: The Board of Directors of Cummins India Limited, at their meeting held today, took on record the audited financial results for the quarter and year ended March 31, 2021.  Performance Highlights for the quarter ended March 31, 2021: • Total Sales for the quarter at ₹ 1,231 Cr., improved by 19% compared to the same quarter last year and declined by 12% compared to preceding quarter.  • Domestic sales at ₹ 976 Cr., improved by 26% as compared to the same quarter last year and declined by 5% as compared preceding quarter. • Exports Sales at ₹ 255 Cr. declined by 1% as compared to the same quarter last year and declined by 32% as compared to the preceding quarter. • Profit before tax (after exceptional items) at ₹ 245 Cr., is higher by 109% as compared to the same quarter last year and 19% lower as compared to preceding quarter. FY’21 Performance Highlights: • Total Sales for the year ended March 31, 2021 at ₹ 4,256 Cr., declined 16% over sales of ₹ 5,062 Cr. recorded last yea

&TV’s Bhabiji Ghar Par Hai Ki Mumbai Ke Bahar Shooting!

 The show must go on but with extra precaution, care and alert. &TV’s Bhabiji Ghar Par Hai has relocated to Gujarat’s very own Surat. Reuniting with the cast and resuming shoots has been a long wait for Angoori Bhabi (Shubhangi Atre), Anita Bhabi (Nehha Pendse), Vibhuti Narayan Mishra (Aasif Sheikh) and Manmohan Tiwari (Rohitashv Gour). And finally, the on-screen padosi’s and off-screen dosts come together to continue the journey of making audiences laugh and enjoy. Shubhangi Atre aka Angoori Bhabi shares, “I have recovered well, and all my energy is focused on creating fun moments with my dear co-actors. We have become real-life neighbours too now from Modern Colony to a hotel in Surat. The people here are very humble and have gone out of their way to make sure that our stay is a memorable and safe one. I miss my family at home, but we have been in touch virtually.” Nehha Pendse aka Anita Bhabi shares, “I am in Surat and I have always been waiting to go see the lovely textile coll

मंथन, बेहतर भविष्य का.... नए कल का....

 सबसे अलग सोचने और हमेशा ही कुछ बेहतर करने के जज़्बे वाली देश की अग्रणी पब्लिक रिलेशन्स कंपनी पीआर 24x7 ने एक बार फिर से बेहतरी की परिभाषा का सृजन किया है, जो पूरी तरह निर्भर है बेहतर भविष्य और नए कल पर। कुछ नया सीखने की चाह में संस्था ने एक नई पहल की शुरुआत की है। संस्था में कार्यरत सभी एम्प्लॉयीज़ के लिए प्रति शुक्रवार मंथन सीरीज़ का वर्चुअल आयोजन किया जा रहा है, जिसके अंतर्गत विभिन्न क्षेत्रों के अनुभवी गेस्ट्स शिरकत करते हैं। मंथन एक ऐसी सीरीज़ है, जिसका उद्देश्य सभी एम्प्लॉयीज़ को हर एक क्षेत्र में महारत हासिल कराना है। काम हमेशा ऐसा करें, जिससे अन्य लोगों को जागरूक होने का अवसर प्रा प्त हो, और उसकी गूँज लम्बे समय तक सभी के दिलो-दिमाग में बस जाए। तब जाकर ही वह कार्य वास्तव में सार्थक है। संस्था द्वारा संचालित किए जा रहे मंथन का लक्ष्य भी शत-प्रतिशत यही है, क्योंकि सीखने की कोई उम्र नहीं होती।  अतुल मलिकराम कहते हैं कि कंपनी में कार्यरत प्रत्येक एम्प्लॉयी को प्रत्येक क्षेत्र का भरपूर ज्ञान होना अति आवश्यक है, क्योंकि समय के पहिए के घूमने के पश्चात् किस गुण विशेष की मांग सबसे अधिक हो, कह

Zee Cinema presents the Biggest blockbuster of the year - Vijay The Master ~ Aa raha hai blockbuster ka Master with the World Television Premiere of Vijay The Master on Zee Cinema on 30th May at 8 PM ~

 This Weekend, get ready for the biggest blockbuster of 2021, Vijay The Master, that broke box office records and uplifted the entire industry. The movie was the highest grosser to hit the theatres post relaxation of the first phase of lockdown, earning ₹263 crore worldwide. The larger-than-life movie brings together the brilliant Thalapathy Vijay and Vijay Sethupathi in a raw action and entertainment masterpiece. Directed by Lokesh Kanagaraj, Vijay The Master became one of the top celebrated films amongst audiences. The highlight of the movie is Thalapathy’s swag and charm, impactful action sequences and the stellar music tracks. The talented and beloved Thalapathy Vijay essays the role of JD with proclaimed villain Vijay Sethupathi playing the deadly goon Bhavani along with the talented Malavika Mohanan and gorgeous Andrea Jeremiah in pivotal roles. Be a part of the action-event of the year, with the World Television Premiere of the pan-India blockbuster, Vijay The Master, on 30th Ma

*Reusable pads essential to make menstrual hygiene sustainable for all women and girls*

 If every woman and girl of menstruating age in India used disposable pads, 38,500,000,000 used pads would be discarded every month – an environmental disaster since each of these would take 500-800 years to degrade naturally XXX / May 26, 2021: Considering the immense non-biodegradable waste generated by disposable sanitary pads every month, sustainable menstrual hygiene in India can be achieved only with reusable pads made of organic material, said Anju Bist, Co-Director, Amrita SeRVe (Self Reliant Village) Program of Mata Amritanandamayi Math. Known as the “Pad Woman” of India for her zeal in promoting the use and reuse of sanitary pads made of cloth and banana fibre, she is the co-creator of Saukhyam Reusable Pads which have been awarded as the "Most Innovative Product" by the National Institute of Rural Development, Hyderabad. The pads were also lauded at the UN Climate Change Conference held in Poland in 2018. Said Anju Bist: “There are 355 million menstruating women an

*AUM under Pension Fund Regulatory and Development Authority (PFRDA) crosses Rs 6 trillion*

 -NPS and APY subscribers’ contribution builds up Rs 6 trillion of pension assets  • 8791 corporate enrolments with 11.53 lakhs subscribers under NPS till 21st May 2021 • 2.82 crores subscribers enrolled under APY   New Delhi, 26th May 2021: The Pension Fund Regulatory and Development Authority (PFRDA) today announced crossing the milestone of Rs 6 lakh crore (Rs 6 trillion) of Assets Under Management (AUM) under the National Pension System (NPS) and Atal Pension Yojana (APY), after 13 years. The AUM growth of last Rs 1 trillion has been achieved in just 7 months. PFRDA has witnessed remarkable growth in NPS subscribers over the years with 74.10 lakh government employees in the scheme and 28.37 lakh individuals joining from the non-government sector. The total subscriber base of PFRDA has increased to 4.28 crores. Shri Supratim Bandyopadhyay, Chairman, Pension Fund Regulatory and Development Authority (PFRDA), said: “We feel immensely gratified at reaching this milestone of Rs 6 trill

*Glan Martins and the story of two life-changing messages*

 ~ Glan Martins was in the doldrums before a winter move to FC Goa changed it all ~ Goa May, 2021: For Glan Martins, January 31, 2021, was a date he was looking forward to, but not in the way that it eventually turned out to be. ATK Mohun Bagan was up against Kerala Blasters at the Pandit Jawaharlal Nehru Stadium in Fatorda, a ground he could call home in more sense than one.  He had helped Sporting Clube de Goa and Churchill Brothers to many a memorable victory on that hallowed turf. And yet there he was - struggling for playing time in his own backyard.  He had been the mainstay in all of the teams he had been playing for in the previous years, but the ISL was a different ball game. He was a central midfielder who many admired but not ‘many’ took a punt on him. “I am glad that ATK Mohun Bagan gave me the opportunity to compete in the ISL. Without that stint, maybe I am not the player I am today with the determination to show people what I am all about,” said Glan Martins.  He had bee

*Sharing the secrets to wholesome living, on World Meditation Day*

 • Heartfulness guide Mr. Kamlesh Patel (Daaji) and Luke Coutinho, Holistic Lifestyle Coach - Integrative & Lifestyle Medicine share wholesome secrets to deal with mental, emotional challenges that have aggravated in the light of this pandemic.   • A meditative mind won’t be anxious and stressed out, a relaxed state of mind impacts the hormonal state, further boosting the immune system to combat viruses – Daaji Hyderabad 21st May 2021: Kamlesh Patel (Daaji), Heartfulness Guide - Heartfulness Institute and Luke Coutinho, Holistic Lifestyle Coach - Integrative & Lifestyle Medicine conversed on the topic of ‘Secrets of Wholesome Living’ today, on the occasion of World Meditation Day. Daaji and Luke shared their insights derived from their experience of working with people from different walks of life. They shared their philosophies, enlivened with many anecdotes from each of their lives. Daaji also spoke about the Heartfulness meditation system and the role it has played in his pe

*Aakash Educational Services Limited (AESL) launches National Level Print Campaign for its flagship iACST Scholarship Program*

 • The campaign highlights the importance of early and timely preparations and intends to reach more and more students so they can get the benefit of studying at Aakash and get an opportunity to avail scholarships of up to 90%. New Delhi, May 21, 2021: Aakash Educational Services Limited, the national leader in test preparatory services for aspiring doctors and engineer’s, has launched one of its biggest national level print campaigns for its flagship instant admission cum scholarship test, also known as the iACST. The campaign will run over a period of fifteen days across national and regional dailies. The campaign highlights the opportunity that iACST gives to students so that they can start their journey early post a 60-minute test, enabling them to take the first step towards achieving their goals of becoming doctors and engineers. The scholarship enables students from different social and financial backgrounds take advantage of quality teaching at Aakash. The specially crafted tes

*Barclays Empowers Paytm Payment Gateway to Win the Asset Triple A Award for the Best Payments & Collections Solution*

 Paytm Payment Gateway has won the ‘Best Payments & Collections Solution in the Fintech Industry’ Award for its OPGSP (Online Payment Gateways Service Providers) Import solution. In Its Triple A Treasury, Trade, Supply Chain, and Risk Management Awards, The jury awarded Paytm Payment Gateway as one of the most unique structured cash management and FX solutions under the ‘New Economy’ category.  The recognition reflects Paytm’s success in maintaining its leadership in the field of digital payments. Barclays helped Paytm Payment Gateway enhance its capabilities to offer import payment solutions to foreign marketplaces, making the payment giant one of the  leading cross-border payment service providers. It is a symbol of the future of financial services partnering with the players in other ecosystems for new solutions. Barclays offered the company an OPGSP solution that enabled cross-border payments in the Indian currency for marketplaces across the globe.  Barclays - a leading corpor

Sachet & Parampara Tandon speak about their future projects, love in lockdown and more!

 The newly married couple, Sachet and Parampara Tandon had grand plans for their first year of marriage. From traveling the globe, to composing songs with ace film makers and staying in the studio till the wee hours, they had a different picture of life in their minds for 2021. However, as the world and time stood still, what kept the duo going was their back to back work commitments right from the magnum opus Adipurush to Jersey and Hurdang, all of which are in the filming or ready to release process.  Hurdang starring Sunny Kaushal and Nushrat Bharucha is slated for release soon and Sachet and Parampara have been completing their sessions with the musicians from home, completing the soundtrack of the film which promises to be very different and prepping for the release of the same in the coming month. Speaking on their upcoming songs, Sachet affirms that, "We are focused on making songs which our listeners are enjoying these days. They have really liked our songs Isqadar, Chhor

इंश्योरेंसदेखो ने कोविड-19 वैक्सीनेशन स्लॉट फाइंडर लॉन्च किया

 नई दिल्ली, 12 मई, 2021 : प्रमुख बीमा तकनीक स्टार्टअप कंपनी, इंश्योरेंसदेखो ने आज ‘कोविड-19 वैक्सीनेशन स्लॉट फाइंडर’ नामक एक प्लेटफार्म शुरू किया जो देश भर के नागरिकों को अपने आसपास कोविड-19 टीकाकरण स्लॉट की उपलब्धता की खोज करने में मदद करेगा। यह कदम कोरोनावायरस महामारी से लड़ने के लिए कंपनी की कोशिशों का हिस्सा है। मौजूदा वैश्विक स्वास्थ्य संकट के बीच कोविड-19 वैक्सीन और इसके उपलब्ध स्लॉट की आपूर्ति और मांग के बीच एक बहुत बड़ा अंतर है। ‘कोविड-19 वैक्सीनेशन स्लॉट फाइंडर’ सुविधा आसपास के टीकाकरण केंद्रों का पता लगाने और को-विन ऐप पर सीधे जाने और उपलब्ध होने पर स्लॉट बुक करने में सभी की मदद करेगा। टीकाकरण स्लॉट की अनुपलब्धता के मामले में यह सुविधा उपयोगकर्ता को स्लॉट उपलब्धता के बारे में शीघ्र जानकारी हासिल करने में सक्षम बनाएगी। इंश्योरेंसदेखो के सह-संस्थापक और सीईओ श्री अंकित अग्रवाल ने लॉन्च पर टिप्पणी करते हुए कहा : “कोविड-19 वैक्सीनेशन स्लॉट फाइंडर के साथ हम वर्तमान प्लेटफॉर्म को बार-बार नए स्लॉट्स को रिफ्रेश करने की परेशानी और कम होने की उम्मीद करते हैं। स्लॉट खोजक उपयोगकर्ताओ

गुरमीत चौधरी ने यंग कोविड वॉरियर्स (डॉक्टर्स) के साथ की साझेदारी; कोविड-19 मरीजों के लिए एक मुफ्त टेली-कंसल्टेशन सर्विस भी शुरू की

गुरमीत चौधरी कोविड-19 से पीड़ित लोगों के लिए फरिश्ता बनकर सामने आए हैं। वे लम्बे समय से कोविड से बचाव हेतु देश के लिए कोई न कोई भलाई का कार्य करते आ रहे हैं और अब इस सूची में एक और नेक काम जुड़ गया है। वे अपने दयालु स्वभाव से हम सभी को निश्चित तौर पर आश्चर्यचकित कर रहे हैं, जो राष्ट्र में बदलाव लाने के लिए दृढ़ है। गुरमीत ने हाल ही में युवा डॉक्टर्स (पैन इंडिया) की एक टीम के साथ करार किया है। जैसा कि सभी जानते हैं, कोविड वॉरियर्स ने हल्के से मध्यम लक्षणों वाले होम आइसोलेटेड मरीजों के लिए कोवी-मेड, मुफ्त टेलीकंसल्टेशन सर्विस शुरू की है, ताकि वे घबराएं नहीं, अपने मन से दवाइयां न लें, और सबसे महत्वपूर्ण बात यह है कि उन्हें तत्काल सहायता के लिए अपना घर छोड़ने की आवश्यकता नहीं है। उन्होंने देशभर के 19 युवा डॉक्टर्स के साथ साझेदारी की है, जो कोविड-19 से संबंधित किसी भी संदेह के लिए व्हाट्सएप मैसेंजर पर सुबह 10 बजे से रात 8 बजे तक 2 नंबर्स के माध्यम से उपलब्ध रहेंगे। न केवल डॉक्टर्स की टीम मेडिकल कंसल्ट्स प्रदान करेगी, बल्कि वे इस बात का भी भरपूर ज्ञान प्रदान करेंगे कि कोविड-19 के लिए टेस्ट कर

'Kabhi Dushman Kabhi Saheli' - Aise Hi Kuch Hai Sakina Aur Shanti Ki Dosti Ki Paheli

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 मनोरंजन जगत में चमचमाते सितारे की तरह उभरने वाले शेमारू टीवी ने हाल ही में सफलतापूर्वक एक साल पूरा किया है। इस एक साल में करोड़ों दर्शकों के चेहरों पर मुस्कान बनकर शेमारू टीवी ने शोज और उपहारों के जरिए कइयों के सपनों को पंख दिए हैं, तो बहुतों की मनचाही मुराद पूरी की है। ऐसे में एक बार फिर अपने प्रियदर्शकों के लिए शेमारू टीवी लेकर आ रहे हैं भक्ति रस से भरपूर और बेहद अनूठा शो 'सिया के राम'। इस शो में आप देखेंगे कि कैसे रामायण को सीता जी के नजरिए से दिखाया गया है। देश का बच्चा-बच्चा रामायण की जिस कहानी से रूबरू है, उसी रामायण को बिल्कुल नजरिए से देखना और कुछ नए तथ्यों का उजागर हो ना यकीनन दर्शकों के लिए बेहद रोमांचक और अनूठा होगा। कोरोना की दूसरी लहर और लॉकडाउन से देश में हर तरफ डर, संशय और निराशा का अंधकार पसरा है, ऐसे में शेमारू टीवी का शो 'सिया के राम' लोगों के मन में आस्था और विश्वास की लौ जगाने में यकीनन कामयाब होगा।     'बदलते आज के लिए' सिद्धांत पर चलते हुए शेमारू टीवी ने पिछले एक साल में अपने दर्शकों को ऐसे शोज दिखाए हैं, जो बदलते भारत की तस्वीर पेश करते है

Blue Dart forms Blue Dart Med-Express Consortium to operate experimental Unmanned Aircraft System (UAS) for delivery of vaccines and emergency medical supplies

 An intelligent smart drone delivery solution to tackle challenges in last-mile vaccine delivery  National, 13th May 2021: Blue Dart, India’s leading express logistics service provider and part of the Deutsche Post DHL Group (DPDHL) formed Blue Dart Med-Express Consortium with the mission of revolutionizing the delivery of vaccines and emergency medical supplies to the remotest parts of India with Drones. Blue Dart Med-Express Consortium is part of the ‘Medicine from the Sky’ project in collaboration with the Government of Telangana, World Economic Forum, NitiAayog and Healthnet Global. The Ministry of Civil Aviation (MoCA) has granted the project with necessary exemptions and rights to fly drone flights on an experimental basis in Telangana. The aim is to assess an alternate logistics route in providing safe, accurate and reliable pickup and delivery of health care items (medicines, covid-19 vaccines, units of blood, diagnostic specimens and other lifesaving equipment) from distributi