Annual Report 2012-13 - Slum Rehabilitation Society
Transcription
Annual Report 2012-13 - Slum Rehabilitation Society
FROM THE DIRECTOR’s DESK Our NGO has done well during the last year, both in rehabilitation and welfare activities. We received good offers and valuable cooperation from various organisations and individuals. E.g. Tata Reality and Infrastructure Limited Company invited us to take part in their proposed rehabilitation project of a large number of slum dwellers on their land. We were also welcomed by Film City authorities and in collaboration we prepared a rehabilitation proposal which we have submitted. It is an ambitious and difficult project also involving rehabilitation of some Adivasi families. However no concerned authorities from both organizations have taken any further steps. The self-rehabilitation project in Sunder Nagar is finally making progress. An administrator has been appointed as the previous committee had not got any audit done nor did they look after the interests of the people. After a proposed general body meeting in October, the election of a new committee will follow and self-development can become a reality. Adjoining societies will follow. Our long matured Shanti Sagar rehabilitation project we have handed over to City Concern Foundation for implementation. Actual development is expected to start soon. We have been able to build up contacts with four societies in Chembur, two in Kurla and one in Malad. Land acquisition, declaring as slum areas, forming societies, Mahila Mandals and other welfare activities are in progress. We have also been able to repair our Dindoshi centre and revive and increase our activities. We now have well-attended computer, tailoring and beautician classes. We also have a Balwadi and weekly health clinic services. Furthermore we were lucky enough to receive a large space in Marol for conducting welfare activities as Mr. Clive Dias offered us the premises free of cost. After an inauguration program we are now conducting tailoring and computer classes, a Balwadi and a children’s library. The library project have been supported by Bombay Community Public Trust. Bandra Polytechnical Institute is assisting with finances and providing government recognised certificates for tailoring and computer courses. Similarly Yuvaparivarthan also assists in our training programs. Times of India have offered to conduct free-of cost English speaking classes. We have one batch of about 30 participants attending classes in Chembur and another batch in Dindoshi, more groups are being formed. Our social welfare activities in local slum communities make it easy for us to develop close contacts with the people, especially women and children. Not surprisingly, women are considered to be the backbone of all rehabilitation work. On our own, SRS has involved some of its staff in Dharavi with the purpose of creating more awareness among the people,especially the women,about the Dharavi redevelopment plan. Through this trying to mitigate their anxieties about displacement. The most worried people are those who live on rental basis and fear that they may be left out and deprived of permanent homes. Our contacts with SRA are good. The present CEO, Shri Nirmal Deshmukh, has recently issued notices to 140 builders/developers who have not performed and not made any progress over the last 6 or more years. We have also pointed out to him the case of Murugan Chawl on 15th Road, Santacruz, where the builder has not done any work since about 12 years. Such builders are to be removed. Mr Deshmukh had also suggested appointing our society for assisting in restarting and promoting projects so that slum dwellers will more speedily receive their new homes. However, to date we have not yet seen any concrete progress in the case of the non-performing developers nor have we heard back from Mr Deshmukh. As for the future, we expect to see a much stronger SRS. Already we have inducted Mr Felex Thomas as Administrator and HR person, putting younger blood into the SRS system. Similarly, Mr. Sachin Kadam, alumni of TISS, has been appointed as Rehabilitation Manager. As the work of rehabilitation is likely to increase, our need for recruiting new talented people will have to be met. As long as we work for the welfare of slum dwellers, the future of SRS will be bright. Adolf Tragler. 2 About us… Slum Rehabilitation Society (SRS), founded in 1972-73 by Mr. Adolf Tragler, is a well known and reputed NGO, especially dedicated to serve slum dwellers for improving their lives and securing permanent homes for each family. In 2013 we celebrated 40 years of providing our services to slum communities with SRA services. SRS is a member of National Campaign for Housing Rights and founder member of the Committee for Housing Rights, involved in Remaking of Mumbai Federation. SRS is also a member of the housing advisory committee of the Government of Maharashtra. SRS has on two occasions received the DUBAI INTERNATIONAL AWARD FOR BEST PRACTICES from Dubai Municipality and UNITED NATIONS HUMAN SETTLEMENT PROGRAMME, UN – Habitat. SRS is a nonprofit organization working for slum rehabilitation and social upliftment of Mumbai’s urban poor. SRS effectively responds to the growing issue of shelter for people living in slums; those displaced by development projects and those in urgent need of security, improved environment and better homes. Vision: “To improve the quality of life of slum dwellers by strengthening their unity, increase their security, assisting in provision of amenities like water, drainage and a healthier environment, till a comprehensive rehabilitation project under SRA or Rajiv Awas Yojana can be implemented with their consent and participation, giving them legal and permanent homes. SRS also cares for education, health and income generation, especially for women and children. SRS Mission: SRS will maintain and increase service centers in slum areas like Balwadis, Crèches, Welfare Centers, Clinics, Skill Training Centers, which will reach out to the surrounding families and communities to enable and guide them to a better future. SRS objectives: To work for the upliftment of hutment dwellers and other low income groups of Gr. Mumbai, more particularly of Bandra west. To provide accommodation with sanitary requirement for hutment dwellers and other low income groups of Gr. Mumbai, particularly of Bandra West. 3 CURRENT HOUSING PROJECTS: Godiwala Compound,”Shanti Sagar Cooperative Housing Society (proposed). This is a long awaited project, comprising only 60 families living in this overcrowded slum area. The Godiwala family were the land-owners who always kept friendly relations with the families living on their land. At one time, a number of years ago, they had offered to give the land free-of cost to their ‘tenants’. With the land prices’ increasing spectacularly, the Godiwala family was still willing to give the land at below market price – as a charitable gesture- provided the slum dwellers were assured permanent rehabilitation. On this charitable basis our Society could manage to acquire the land from the Godiwala family and we also could assure that we would provide permanent homes to the 60 families. In the course of the year 2012-13, our Society transferred the entire project to City Concerns Foundation (CCF), a Section 25 not-for-profit Company formed and registered by SRS. SRS had prepared the documents needed for proposal submission to SRA. Completely new and contrary to our usual goal of Self Development, due to lack of adequate finance, CCF decided to seek the cooperation of a Developer so as to complete the project as soon as possible. Signing of the Agreement between CCF Slum Dweller’s Society and Developer is expected to be completed very soon. Sunder Nagar, “Jagruti Cooperative Housing Society (proposed)”. This is also a long delayed project with SRS. One serious problem was created by the interference of a Developer who managed to split the existing Committee of the people. The resistance of the other part of the Committee and the majority of the people did not allow the builder to succeed, but a non-functioning Committee remained, and Administrator was appointed and we can now see the road ahead but further difficulties remain. The area of Sunder Nagar is located on a hill, not too far from the Airport. Therefore clearance of height restriction has to be obtained. We may not be able to get clearance for more than ground and 2 upper floors. This implies that almost all dwelling units will be required for rehabilitating the existing slum dwellers and very little sale area will remain. Not attractive for any developer but good for SRS and Self Development. Jawle Compound, “Mahakali Nandanvan Cooperative Housing Society (proposed) SRS has collected the consent of about 90% of the occupants. However, a builder has submitted a proposal to SRA on the basis of false claims of people’s consent given to him. The builder also claims that he has purchased the land from the owner for Rs. 50,000 only. There is much mischief going on. The residents have in the meantime applied for acquisition of the land and we follow up. Title to the land is essential or else no development can be approved. This project will still take some time till it can progress. Jijamata Nagar, “Veer Jijamata Cooperative Housing Society (proposed) Here more than 180 families live in ‘illegal ’structures. Part of the land is owned by their cooperative housing society, another part has to be acquired. We have guided them to apply. The area has not yet been declared as a slum area: The Society has applied to SRA for getting it declared as a slum area. These are slow processes. Cooperation between the people and SRS is good: We have secured 90% consent; we have also obtained most of the necessary documents that must be available before submitting a rehabilitation proposal to SRA. 4 Success should be possible in the coming year. We and the people are starting an English Balwadi for the little ones in premises belonging to their Society. Laxmi Nagar, Chembur Laxmi Nagar consists of 2 settlements, comprising in all about 850 families. A builder had also tried to intervene in this area, however he has been turned away. SRS’s involvement is still in its initial stages. The land is privately owned and will have to be acquired. Luckily the area has been declared as a slum area. – Much progress has yet to be made. Murgan Chawl, “Murgan Chawl Cooperative Housing Society The area comprises about 100 families. Their project was approved 16 years ago but not one family has been rehabilitated till now. It may be one of the worst slum areas in the Suburbs. People depend largely on recycling of waste materials; there are also dens for drug dealing and prostitution. SRS has obtained more than 70% consent from the occupants. Accordingly we have applied to SRA to disqualify the previous Developer and allow SRS to undertake the rehabilitation of the 100 families. No favourable response to date. Film City Project With the help of our ex-employee, Mr. Santosh Pawar, we were introduced to Film City Authorities as a NGO who could be very helpful in re-locating and rehabilitating slum dwellers and Adivasi families existing in the Film City area so as to provide permanent accommodation to these families on part of the Film City land, with separate access and amenities. The proposal is still pending. In the second half of 2012, we had been invited by Tata Realty and Infrastructure Ltd. regarding possible assistance in a slum rehabilitation project on Tata land. We attended a few meeting and submitted a proposal. We are told that the project is progressing and we would be called when our services will be required. This project may also have to be transferred to City Concerns Foundation (CCF) since even assisting in a rehabilitation scheme can be interpreted as “doing business” which is prohibited for NGOs. CCF is a Section 25 not-for-profit, company. Dharavi Redevelopment Project SRS has no official role in DRP. However, due to widespread apprehensions and obvious lack of information, SRS in collaboration with local NGOs have and continue to organise public meetings in various areas in order to give a chance to the local people to understand better what is being planned for them. We have also held meeting specifically for women because they are more worried and we have focused on people living as tenants who are most afraid that they may not be considered eligible and therefore deprived rather than promoted into permanent legal homes. Chickalwadi, Chembur and Ganesh Nagar, Chembur These are new areas for SRS and good working relationships with the local communities have to be strengthened. Chikhalwadi, Chembur Janata Ekta Samartha Cooperative Housing Society This society is existing since some time. Some of their members were rehabilitated elsewhere since they lived on land which was required for the construction of a major East-West link road. Thereby the leadership and cohesiveness of the community was disturbed and needs time for healing and unified functioning. 5 In Bandra West, due to Coastal Regulations, we were forced to refrain from further engagement with several cooperative housing societies and slum communities since no viable approach has yet been found. We plan to revive our contacts once the CRZ provisions are amended, focusing on elevation above medium sea level rather than on distance from high tide level of the sea. We hope to revive some projects which we could not complete or which were snatched away or where the committee members wanted to sign up with a developer in the hope of quicker results: Such are, eg. Ganesh Nagar D Cooperative Housing Society, Korba Mithagar, Nityanand Coop. Housing Society, Betwala Chawl and some others. We are saddened to observe that all these projects have not made any progress thereafter. Kit Kat Cooperative Housing Society, Bandra West SRS has been initiating this rehabilitation Project from the very beginning, but the actual implementation was later left to a local developer who was considered a friend and provided transit accommodation in his own building and compound near to Kit Kat Wadi. The families have been put in possession 6 years ago but till today they face harassment by way of a number of court cases, police complaints etc at the hands of the ’friendly’ developer. In spite of numerous appeal letters and complaints to SRA, the developer has still not handed over 3 flats on the ground floor which are meant for Balwadi, Welfare Centre and Society Office. SRS is still supporting this Society. That we fail since so many years to get the 3 flats allotted to their Society indicates the level of corruption which apparently cannot be overcome by letters and appeals. Reviving SRA projects which are not making progress A relatively large number of SRA approved projects are not moving ahead and not coming off the ground. We are looking forward to SRA authorities calling for tenders, inviting NGOs to invest their efforts in moving such projects ahead. Selected NGOs will be given appointments and will be entitled to payments as per their successes. SRS is expected to bid and will bid. Slum rehabilitation needs to make much better progress than it has been able to do so far. Slum Rehabilitation Fund Only if we can find a way to get access to slum occupied lands, only if the Cooperative Housing Societies of the slum dwellers can get clear land titles, will Self Development become the most successful mode of slum rehabilitation. This fund could ideally be provided by the Slum Rehabilitation Authority which has accumulated large sums collected from developers, Rs. 20,000 for every shop or family rehabilitated and part-payment for each unit that has been submitted to and accepted by SRA for rehabilitation. Any Coop. Housing Society that specifically wishes to go for Self Development should be able to apply for a loan towards acquiring the land title for their occupied land. Land cost is a part of the total rehabilitation cost. Therefore at the end of the project it will be possible for the Society to repay the loan. A small team of SRA officials and NGO representatives should scrutinize applications and decide about approvals and take care of recovery. If SRA should decline this role, a consortium of Banks and Corporate Institutions with NGOs should create such a fund. If we succeed, things will speed up and people will be more proud of their successes. 6 WELFARE ACTIVITES The welfare activities of SRS are the backbone of all our rehabilitation projects. A new permanent home means a lot to slum dwellers, especially to those who have been deprived of decent homes for many years. A legal and permanent home creates the opportunity for fundamental changes in the lives of a family. They become confident citizen of Mumbai through empowering activities such as education, medical services, vocational trainings like tailoring, computer, beautician, English speaking courses, legal aid-training, early childhood education centers, library projects, and income generation activities. SRS is able to spread hope and encourage a feeling of self-respect amongst the community. SRS’s vision, mission & objectives aim at helping the poor. Our prime focus is on women, children, youth, school dropouts and senior citizens. Education: According to the Indian constitution, article no. 21A, education is the right of every citizen of India. Therefore; SRS is being conducting many educational activities, for example; SRS promotes early education among children through ECLC (Early Childhood Learning Centers). To cultivate early reading habits among children, libraries are run in two places, Chembur and Marol funded by Bombay Community Public Trust. Skill based training such as computer and beautician courses, tailoring and mehandi classes are conducted in various locations as shown in the table below. Center wise statistical data for Education: Educational Activities and Number of Beneficiaries Center ECLC Co mputer Tailo ring Library Mehand i Beautician Course English Speaking Course Marol 11 40 33 72 7 19 Dindo shi Majas 13 - 10 - 9 11 - - 14 - 8 Chembur - - 43 151 4 21 22 Senior Citizens Creches 55 6 - Mt. Mary 10 - - - - - - - 16 Dharavi 15 - - - - - - - - Children learning songs at Mt. Marry balwadi. 15th August celebration at Dharavi balwadi. 7 Women Empowerment: Dindoshi Beautician Course Empowering women is an indispensable tool for advancing development and reducing poverty, especially when we talk about housing. Women tend to be more able to see the value of having a home, generally being more concerned about actual living space, family as a whole and future prospects for children. Empowered women contributes to the health and productivity of families and communities and therefore improving prospects for coming generations. Economic self-sufficiency together with social respect and identity as a citizen is achieved through various empowering activities for women. As a positive move towards self-sufficiency and environmental care women in one of our centers at Majas have started manufacturing cotton bags to replace plastic bags. MahilaMandal and SHG (Self Help Groups) provide the same for getting together as a society, addressing development issues at community level and administration level. International Women’s Day was celebrated on 23.03.2013 in Chembur at one of our centers where 130 women participated actively. On this occasion women were given the inputs on the Domestic Violence Act, Dowry Act and socio economic rights of women. Dindoshi Tailoring Course Health Services: Our medical services are very well appreciated year and many slum dwellers and urban poor get benefit. Due to summer vacation the clinics were closed from May 1st to 1st week of June. Since as many people go to their native places for holiday, most of the families return by mid June, when school and colleges re-open. During the monsoon period mid June – end of September many Dharavi Clinic people suffer from ailments like respiratory infections, fever, Eye Camp, Andheri diarhoea, etc. Eye Camp, Marol Mosquito borne diseases are also prevalent like malaria and dengue fever and chikangunia. Water borne disease like typhoid, hepatitis and gastroenteritis are common. A total of 2211 patient attended in the five clinics of New Dharavi, Old Dharavi, Dindoshi, Chembur and Mt. Mary and UCDC. Additional health checkups and Eye camps were held which benefited 721 patients. In Talasari Taluka 175 school children received medical care under the guidance of Dr. Tragler weight checks, nutrition supplementation and training of staff in health care were provided. 8 9 SUCCESS STORY : Suman Kute is a 60 yrs old widow living in Dharavi. She was doing domestic work, supporting her family. She is suffering from diabetes and high blood pressure. She complained of severe knee pain in her right leg. Because she had not taken treatment as she could not afford the expensive medical treatment. Slum Rehabilitation Society started the medical centre in Dharavi and the staff started making survey of people who need medical care. SRS Community Health Workers and Staff met Suman Kute and encouraged her to visit our medical centre for treatment. She was under care of Dr. Saira who managed her problems well. She gave a reference of KEM Hospital for her knee joint replacement. Suman Kute arranged financial support from a donor. She completed her knee replacement surgery and now she can stand and walk easily. She continues taking medicines and we are happy that our combined effort has given her a better quality of life. Bachoo Ali Hospital, Doctor Eye Hospital and Larsen and Tubro rendered very valuable services to the poor.We thank Alernaid Stiftung Fure menschen in Not & Ms. Sabine Leschner for the continued support of the programme. Other initiatives: Sports Camp, Sundar Nagar · SRS organized a 10 days Summer Camp for slum children who regularly visit SRS Library Project. Like every year, this year also around 40 children from different slum pockets participated and benefited from the summer camp. The camp was organized with the collaboration of SHED NGO. The main motive of the summer camp is to encourage the children’s individual talents through various activities like drawing, craft, Sports Camp, Sundar Nagar book reading, playing games, dancing & IQ. After final exams, summer camp gives an opportunity to the children to learn in a group through the different activities taken during the camp. It is a positive change for the children, as they can freely choose an activity to participate of their like. Thus summer camp is a different environment experience for the children as a whole. · Legal aid training programs were organized in collaboration with Maharashtra State Legal Service Authority. These programs were conducted to spread legal awareness amongst women in the slum areas. These programs focused, on Anti-child Labor, Anti-tobacco day, Legal Literacy Camp, Micro Finance Scheme, Anti-ragging Act, Right to Education, Domestic Violence Act/Dowry Prohibition Act. Around 300 people beneficiated from these programs. · Slum Rehabilitation Society and Shanti Sandesh Foundation Trust opened on29th April, 2013 a new welfare center at Marol, Andheri. Mr Adolf Tragler, Director of SRS, Mr Doiphode from Bandra Polytechnic and Mr. Rote from Smile Foundation participated in the inauguration program as guest speakers. The main activities in the center are computer, tailoring, mehndi classes, English speaking course, library and balwadi for children. · We were also pleased to reactivate Dindoshi center where a number of welfare activities are being conduted. Not only were we able to revive but also to increase these activities and are happy to see our computer, tailoring and beautician courses being well-attended by the residents of the local community. 10 Photo Gallary of SRS Activities 2013 Awareness program on DRP at Dharavi Dry Cleaning Training Legal Aid Training Participants in Marol centre opening Women’s Day Celebration Celebration of Anti-Drug day by Street Play Children’s Library, Chembur Health Centre Inauguration of Marol Centre Organizing Eye Camp Papad Making training Picnic with Grandmothers Women’s Health Education by Ruch Patki Celebrating Teacher’s Day Beautician Course in Dindoshi Dharavi: Government is planning a fresh redevelopment/rehabilitation project for the whole of Dharavi. Local people do not know much about the DRP (Dharavi Redevelopment Project) but it is going to affect their lives deeply. SRS took the initiative with PROUD and PUKAR to create awareness among the local residents. Through these efforts a large number of people have become better informed and less afraid of this mighty project. They know that builders will earn large profits but the lives of their families will also improve and they will become owners of permanent homes and can live in dignity as Citizen of Mumbai. We aim at especially encouraging women and families who live as tenants. They all must get good homes in a healthy environment. 12 SRS Governing Body S.No Name 1. Mr. Royston Pereira 2. Prof. Swapan Garain 3. Mrs. Zinta Quadros 4. Mr. Subodh Tari 5. Mr. Adolf Tragler 6. Mr. Mario Rocha 7. Mr. Yorick Fonseca 8. Mr. Errol Pereira 9. Mr. Luke Coutinho 10. Mr. J. G. Deshpande 11. Mr. Chandrakant Pawar Office & field Staff Designation Trustee Member Member Member Hon. Secretary Member Member Member Member Member Invitee & Advisor Profession Retired Bank Officer Professor, TISS Service Architect Service Service Service Self Employed Service Service Retired from Hoeschst Mr. Adolf Tragler (Director) Mr. Felex Thomas (Admin. & HR Manager) Mr. Sachin Kadam (Manager Rehabilitation) Ms. Sunita Mohite (Rehabilitation officer) Ms. Archana Gore (Rehabilitation and Welfare officer) Ms. Suchita Pereira (Finance Officer) Mr. Prakash Borade (Sr. Rehabilitation Officer) Mrs. Ranjita Pawar (Sr. Rehabilitation Officer) Mrs. Archana Jadhav (Rehabilitation/Health Officer) Mrs. VimalNikale (Asst. Community Organizing Officer) Mrs. Nilima Shirodkar Mr. Pradeep (Rehabilitation and Welfare Machivale officer) (Office Assistant) Ms. Ujwala Sakunde (Manager-Welfare) Mr. Manohar Rajguru (Sr. Community Organizing Officer) Mrs. Shilpa Macwana (Rehabilitation officer – Balwadi& Health) William Pillai (Driver) Doctors Health Workers Balwadi/Crèche Vocational Course Teachers Sarika Chauhan (Beautician - Dindoshi) Anita Gupta (Tailoring-Dindoshi) Meena Pawar (Tailoring – Marol) Seema Parab (Computer –Marol) Dr. Ancilla Tragler (Health Project Coordinator) Dr. Shital Gokarn (Chembur) Dr. Saira Shaikh (Dharavi & Dindoshi) Library Anatha Devendra (Dharavi) Maria Jsaivanan (Dharavi) Varsha Magar (Chembur) Kusum Pakhare (Chembur) Treza D’souza (Teacher - Marol) Harshada More (Helper – Marol) Reshma Gaikwad (Teacher-Mt.Mary) Maya Thorat (Helper – Mt. Mary) Ms. Ruchita Kadam (Librarian – Chembur) Ms.ShashikalaWaghmare (Recreational Worker-Chembur) Ms. Rajshree Bhasme (Librarian - Marol) Ms. Geeta Mahadik (Recreational Worker-Marol) Siddhi Kadam (Dindoshi) Vishakha Mohite (Dindoshi) Ankita Gaikwad Laxmi Jha (Teacher – Mt. Mary) (Tailoring – Majas) Uma Murgeshwari (Teacher – Dharavi) Vidya Morjkar (Teacher – Dindoshi) 13 Acknowledgement We count the following organizations and individuals among our well wishes, advisors and supporters. Our grateful thanks reach out to them: 1. Akruti Nirman Ltd. 2. All India Institute of Local Self-Government (AIISG) 3. Bombay Community Public Trust (BCPT), 4. CORDAID, 5. S. J. Jindal Trust, 6. Ratan Tata Trust, 7. Ministry of Housing and Urban Poverty Alleviation, 8. Housing Development Finance Corporation (HDFC), 9. Municipal Corporation of Greater Mumbai (MCGM), 10. Mumbai Metropolitan Regional Development Authority (MMRDA), 11. Mumbai Transform Support Unit (MTSU), 12. Mahatme Health and Hapiness Hospital, Mumbai, 13. Neeta Chalke, Indian Habitat Forum 14. Slum Rehabilitation Authority (SRA), 15. US Agency for International Aid (USAID), 16. HelpYourNGO.com Private Ltd., 17. Mr. SubodhTari (The Designer), 18. Ms. Sabine Leschner, ALTERNAID, Germany. 19. Pournima Mehta, YASHADA, Pune. 20. Mr. Ajit Bankar, 21. Centre for Advancement of Philanthropy (CAP), 22. Free Legal Authority, 23. Mr. Abhang, 24. Shanti Sandesh Foundation 25. Mr. Clive Dias 26. Ms. Amanda & Ms. Paulina (Intern - Sweden), Stephan Trappe (Intern - Germany) 27. Habitat for Humanity 28. Ms. Shruti Shah 29. VANI We also wish to thank: Ashadeep Association, Arihant Yuva Group, AVEHI, CRIT, Larsen & Toubro, Muktangan, Navjeet Community Centre, Reach Out Trust, TISS, UCDC, PUKAR, Times of India, YUVA, PROUD, Bandra Polytechnic Institute, Aryan Enterprises, Dr. Eye Hospital, UDRI, Bachu Ali Hospital, City Concerns Foundation, IBM, Lotus Eye Hospital, Seven Hill Hospital, Lions Club of Gokhuldham, Mother and Child Foundation, Muktangan, Project Mainstream, Reach Out Trust, CBOs and NGOs, Our Auditor; Lasrado & Co. Our Bankers: Axis Bank, Overseas Bank, State Bank of India. 15