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Smartkeeda presents
Full-Length Current Affairs MockDrill Series
August 20
2025 Daily CA PDF
(PDF in English)
Click Here to Attempt Mock Test based on this PDF!
CA MockDrill PDFs include:
• General Awareness
• Economic Awareness
• Banking Awareness
• Digital / Financial Awareness
• RBI Circulars & Notifications
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INDEX
National & States Affairs …….……..…………………….…..…………………………………………….….. 5
International Affairs …….….……..…………………….…..…………………………………………….….. 6
Banking, Digital/Finance, Insurance & Economic Affairs ...…..…………………………………. 6
Sports & Games ..………..……….……..…………………….…..………………………………………………. 8
Science & Technology ……………………………………………..…………………….…..………………… 8
Appointments & Resignations ………………………………..…………………….…..………………… 9
Awards, Rewards, Recognition & Prizes …………………..…………………….…..………………… 9
Schemes & Initiatives ……….……..…………………….…..……………………………………………… 10
Ranks, Reports & Surveys ….……….……..…………………….…..……………………………………… 11
Ordinance, Bills & Acts …….……….……..…………………….…..……………………………………… 11
MoUs, Collaborations & Partnerships …….……….……..…………………….…..………………… 12
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National & States Affairs
1. As per the Ministry of Consumer Affairs, Food & Public Distribution, the centre has been implementing the “Anna Chakra”
Supply Chain Optimisation Tool under the Public Distribution System (PDS) in 30 States/UTs out of 31. It is not implemented
in Manipur. Anna Chakra was launched in December 2024 to identify optimal routes for the transportation of food grains
while achieving annual savings of Rs 250 crore through reduced fuel consumption, time, and logistics costs. Optimising
India’s food distribution routes has contributed significantly to reducing CO2 emissions, aligning with India’s climate change
commitments. The Anna Chakra has been developed in collaboration with the World Food Programme (WFP) and the
Foundation for Innovation and Technology Transfer (FITT) at IIT Delhi. It is also linked with the Railways’ Freight Operations
Information System (FOIS) via the Unified Logistics Interface Platform (ULIP) and integrated with the ‘PM Gati Shakti
platform’, enabling geo-location mapping of Fair Price Shops (FPS) and warehouses. {Read more}
Smart Points:
• As per MoCAFPD, centre implement “Anna Chakra” Supply Chain Optimisation Tool under PDS in 30 states/UTs from 31
- Only state left – Manipur
• Anna Chakra – launched in Dec 2024 to identify optimal routes for transportation of food grains
• Developed in collaboration with = WFP & Foundation for Innovation and Technology Transfer (IIT Delhi)
• Minister of Consumer Affairs, Food and Public Distribution: Pralhad Joshi | Constituency – Dharwad
MoS in Ministry of Consumer Affairs, Food and Public Distribution: B. L. Verma & Nimuben Jayantibhai Bambhaniya
2. Yogesh Baweja, the Press Registrar General of India (PRGI), under Ministry of Information and
Broadcasting (MoI&B), has launched the “Press Sewa” portal as a streamlined, single‑window digital
platform to simplify and accelerate the registration of newspapers and periodicals. The
announcement was made during an interactive session titled “Vartalap”, organised by PIB
Hyderabad, aimed at engaging publishers and clarifying implementation of the new Press &
Registration of Periodicals Act, 2023, enacted in December 2023. The portal delivers greater transparency, speeds up
approvals, and enhances the ease of doing business for publishers, complemented by a soon-to-be-launched dedicated
helpline for support. The registrations have been fully online since March 2024, and applications submitted via the portal
will be deemed approved if there is no response within 60 days, bypassing intermediaries and encouraging direct use of the
system. {Read more}
Smart Points:
• Yogesh Baweja (PRGI) – launched “Press Sewa” portal as a streamlined, single‑window digital platform
- To simplify & accelerate registration of newspapers & periodicals
• “Vartalap” – organised by PIB Hyderabad
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International Affairs
3. On 18 August 2025, the World Health Organization (WHO) declared Nepal free of rubella as a public
health problem, becoming the first country in the South‑East Asia Region and the sixth globally to
achieve this milestone under intensified immunisation and surveillance efforts. Rubella, also known
as ‘German measles’, is a contagious airborne viral infection characterized by a mild rash, low fever,
and swollen lymph nodes. It remains the leading vaccine-preventable cause of birth defects, causing
around 1 lakh infants with congenital rubella syndrome (CRS) annually worldwide, especially when infection occurs in the
first trimester, with risks of miscarriage or fetal damage. The success in Nepal followed nationwide vaccination, introduction
of a second dose, repeated immunisation campaigns, and a strong laboratory-based surveillance framework. Meanwhile,
globally, several WHO regions have set goals for rubella elimination, with the Americas and Australia already certified
rubella‑free. Meanwhile, India has made significant strides in combating rubella, since introducing the rubella-containing
vaccine into its routine immunization programme in 2017. The country has achieved coverage of over 93.7% for the first
dose and 92.2% for the second dose in 2024-25, recorded a 17% reduction in rubella cases in 2024 compared to the previous
year, and reported 487 districts with zero rubella cases between January and March 2025. {Read more}
Smart Points:
• Nepal declared free of rubella as a public health problem by WHO on Aug 18, 2025
- It became 1st country in South‑East Asia Region & 6th globally to achieve this milestone
• Rubella (aka ‘German measles’) – a contagious airborne viral infection characterized by a mild rash, low fever & swollen
lymph nodes
• India introduced rubella-containing vaccine into its routine immunization programme in 2017
• Nepal – Kathmandu – Nepalese Rupee | President – Ram Chandra Poudel | PM – K. P. Sharma Oli
Banking, Digital/Finance, Economic & Insurance Affairs
(Note: This chapter includes Digital/Financial Awareness and RBI Circulars & Notifications too.)
4. HDFC Bank has expanded the eligibility criteria for its customers who are ‘Imperia’
programme members. For customers who joined the Imperia programme on or before June
30, 2025, the new criterion related to maintaining a Total Relationship Value (TRV) will come
into effect on October 1, 2025. HDFC Bank’s new option for the Imperia programme eligibility
is maintenance of a TRV of Rs 1 crore or more with the bank at a ‘Group’ level. Other than
the new criterion, a customer can continue enjoying Imperia privileges by meeting any one of the given criteria: (i) a
customer must maintain a minimum of Rs 15 lakhs average quarterly balance in his/her current account, (ii) a customer
must maintain a minimum of Rs 10 lakhs average monthly balance in the savings account, (iii) a customer must maintain a
combined average monthly balance of Rs 30 lakhs across HDFC Bank savings account, current account and fixed deposits,
and (iv) a customer must maintain Rs 3 lakh or more as net monthly salary in their HDFC Bank corporate salary account. TRV
is measured as a combined balance across accounts, investment and loans linked to a customer’s ID or over the accounts of
other customers linked to the customer’s ‘Group’. {Read more}
Smart Points:
• HDFC Bank expanded eligibility criteria for its customers who are members of ‘Imperia’ programme
• For customers who joined Imperia programme on or before Jun 30, 2025, a new criterion related to maintaining a Total
Relationship Value (TRV) will come into effect on Oct 1, 2025
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• New option for Imperia programme eligibility – maintenance of a TRV of Rs 1 Cr or more with bank at a ‘Group’ level
• A customer can continue enjoying Imperia privileges by meeting any 1 of given criteria:
- Minimum average quarterly balance in current account – Rs 15 lakhs
- Minimum average monthly balance in savings account – Rs 10 lakhs
- Combined avg monthly balance across HDFC Bank savings account, current account & fixed deposits – Rs 30 lakhs
- Net monthly salary in HDFC Bank corporate salary account – Rs 3 lakh or more
• TRV – a combined balance across accounts, investment & loans linked to a customer’s ID or over accounts of other
customers linked to customer’s ‘Group’
• HQs of HDFC Bank – Mumbai, MH | MD & CEO – Sashidhar Jagdishan | Tagline – “We understand your World”
5. According to data from the Reserve Bank of India (RBI) and NABARD (National Bank for Agriculture and Rural
Development), India has 1,457 Urban, 34 State, 351 District Central Cooperative Banks, and 1 Industrial Co- operative Bank
(Tamil Nadu Industrial Co-operative Bank). The total outstanding loans from these banks have shown significant growth,
rising from Rs 7.84 lakh crore in 2020 to Rs 11.33 lakh crore by March 2025. Maharashtra and Karnataka have the highest
number of Urban Cooperative Banks. This data highlights the crucial role of cooperative banks in providing financial services
and driving economic activity. {Read more}
Smart Points:
• As per data from RBI & NABARD,
• India has 1,457 Urban, 34 State, 351 District Central Cooperative Banks & 1 Industrial Co-operative Bank (Tamil Nadu
Industrial Co-operative Bank)
• Total outstanding loans from these banks – rose to Rs 11.33 lakh Cr by March 2025 (from Rs 7.84 lakh Cr in 2020)
• Highest number of Urban Cooperative Banks – Maharashtra & Karnataka
6. According to the data released by the Office of
Economic Adviser, Ministry of Commerce and Industry,
India’s wholesale price index (WPI)-based inflation hit a
two-year low of -0.58% in July 2025 on an annual basis.
This marks the 2nd straight month of wholesale
deflation. WPI-based inflation was - 0.13% in June 2025.
It was 2.10% in July 2024. Negative rate of inflation in
July 2025 is primarily due to a decrease in prices of food articles, mineral oils, crude petroleum & natural gas, manufacture
of basic metals, etc. The annual rate of inflation based on the WPI food index decelerated and stood in negative territory at
2.15%. Meanwhile, deflation deepened in primary articles at -4.95%. In the case of manufactured products, inflation was
higher at 2.05% in July 2025, as against 1.97% in June 2025. Fuel and power saw a negative inflation or deflation of -2.43%
in July 2025, as against -2.65% in June 2025. WPI reflects wholesale-level price changes, differing from the Consumer Price
Index (CPI), which measures consumer-level price variations. The WPI in India includes primary articles, fuel and power, and
manufactured products. This decline in WPI is in sync with the easing of retail inflation, which slipped to an eight-year low
of 1.55% in July 2025 amid falling food prices. {Read more}
Smart Points:
• As per data released by Office of Economic Adviser, MoCI
• India’s wholesale price index (WPI)-based inflation – hit -0.58% in Jul 2025 (from -0.13% in Jun 2025 & 2.10% in Jul 2024)
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• Annual rate of inflation based on WPI food index – decelerated & stood in negative territory at 2.15%
• In July 2025: Deflation in primary articles – -4.95% | Inflation in case of manufactured products – 2.05%
- Deflation in fuel & power – -2.43%
• WPI in India includes – primary articles, fuel and power & manufactured products
Sports & Games
7. Carlos Alcaraz of Spain clinched the “2025 Cincinnati Open” men’s singles title after world No. 1 Jannik
Sinner of Italy, the defending champion, was forced to retire due to illness. The victory marked Alcaraz’s sixth
title this season, his first Cincinnati crown, and his eighth ATP Masters 1000 trophy. The Cincinnati Open,
officially known as the Western & Southern Open, is one of the oldest tennis tournaments in the United
States, part of the ATP Masters 1000 and WTA 1000 series, and serves as a key build-up to the US Open. {Read more}
Smart Points:
• Carlos Alcaraz (Spain) – clinched “2025 Cincinnati Open” men’s singles title
- Jannik Sinner (Italy), defending champion, retired due to illness
• Carlos marked – 6th title this season, 1st Cincinnati crown & 8th ATP Masters 1000 trophy
• Cincinnati Open – one of the oldest tennis tournaments in US
Science & Technology
8. IIT Madras has signed a licensing agreement worth Rs 1 crore with Indraka Quantum
Technologies Pvt. Ltd. for the transfer of technology pertaining to a silicon photonics-based
‘Quantum Random Number Generator (QRNG)’. The QRNG was developed at the Centre for
Programmable Photonic Integrated Circuits and Systems (CPPICS) at IIT Madras. It is the 1st silicon
photonic product of its kind in India, designed to generate high-speed random numbers for
applications requiring secure computing and communication. The QRNG technology has critical applications in IT security,
cryptographic algorithms, quantum key distribution, scientific modelling and simulations, financial transactions, blockchain,
OTP generation, and gaming applications. The project is funded by the Ministry of Electronics and Information Technology
(MeitY), by supports the establishment of the silicon photonics Centre of Excellence at IIT Madras. Engineering and packaging
support was provided by izmo Microsystems. A prototype of the module was earlier delivered to the Defence Research and
Development Organisation’s (DRDO) Young Scientist Laboratory for Quantum Technologies (DYSL-QT). An upgraded version
has since been deployed at the Society for Electronic Transactions and Security (SETS), Chennai, for field use in quantum
security systems. {Read more}
Smart Points:
• IIT Madras + Indraka Quantum Technologies Pvt Ltd = signed a licensing agreement for transfer of technology
- Pertaining to a silicon photonics-based ‘Quantum Random Number Generator (QRNG)’ | Worth – Rs 1 Cr
- Developed at – Centre for Programmable Photonic Integrated Circuits & Systems (CPPICS) at IIT Madras
- It is funded by – MeitY | Engineering & packaging support was provided by – izmo Microsystems
• A prototype of module was earlier delivered to – DRDO’s Young Scientist Laboratory for Quantum Technologies
- An upgraded version has since been deployed at – Society for Electronic Transactions and Security (Chennai)
• Director of IIT Madras – Prof. V. Kamakoti
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Appointments & Resignations
9. Noel Tata, the half-brother of late Indian tycoon Ratan Tata, has been appointed to the board of Tata Sons,
the group company that operates the $165 billion salt-to-software conglomerate. Along with Noel Tata,
shareholders also approved the reappointment of Venu Srinivasan and Saurabh Agrawal. They also appointed
Anita Marangoly George as an independent director. Noel Tata is the only board member who holds shares
in the company, owning 4,058 shares of Tata Sons. In October 2024, Noel Tata was also appointed as the chairman of the
philanthropic arm of the Tata group, called Tata Trusts. Tata Trusts owns 66% of Tata Sons and appoints a third of the
directors to the Tata Sons board. Those appointees receive special veto powers. Internal trust and company rules do not
allow the Tata Trusts chairman to head Tata Sons as well. {Read more}
Smart Points:
• Noel Tata (Chairman of Tata Trusts) – appointed to board of Tata Sons
- Venu Srinivasan & Saurabh Agrawal – reappointed
- Anita Marangoly George – appointed as an independent director
• Noel Tata – the only board member who holds shares in Tata Sons
• Tata Trusts – owns 66% of Tata Sons & appoints a 3rd of directors to Tata Sons board
• HQs of Tata Sons – Mumbai, Maharashtra | Chairman – Natarajan Chandrasekaran
Awards, Rewards, Recognition & Prizes
10. Manika Vishwakarma from Rajasthan has been crowned “Miss Universe India 2025” and will now
represent India at the global 74th ‘Miss Universe’ competition to be held in Thailand in November 2025.
Manika Vishwakarma received the title from the former Miss Universe India 2024, Rhea Singha. The first
runner-up was Tanya Sharma from Uttar Pradesh, followed by Mehak Dhingra from Haryana as the
second runner-up, and Amishi Kaushik was the third runner-up. Manika Vishwakarma also won the ‘Miss
Universe Rajasthan’ title in 2024. She has also represented India at the ‘BIMSTEC Sewocon’, an initiative
organised under the Ministry of External Affairs. Her artistic excellence and talent have won her accolades from the Lalit
Kala Academy and the JJ School of Arts. BIMSTEC stands for ‘Bay of Bengal Initiative for Multi-Sectoral Technical and
Economic Cooperation’. As of date, India has 3 Miss Universe winners. Sushmita Sen became the 1st Indian Miss Universe in
1994, followed by Lara Dutta in 2000 and Harnaaz Sandhu in 2021. {Read more}
Smart Points:
• Manika Vishwakarma (Rajasthan) – crowned “Miss Universe India 2025”
- She will now represent India at global 74th ‘Miss Universe’ competition to be held in Thailand (in Nov 2025)
- She received this title from – Rhea Singha (former Miss Universe India 2024)
• Runners-up: 1st – Tanya Sharma (UP) | 2nd – Mehak Dhingra (Haryana) | 3rd – Amishi Kaushik
• Manika Vishwakarma – also won ‘Miss Universe Rajasthan’ title in 2024
- She also represented India at – ‘BIMSTEC Sewocon’ (an initiative organised under MEA)
• As of date, India has 3 Miss Universe winners:
- Sushmita Sen – in 1994 | Lara Dutta – in 2000 | Harnaaz Sandhu – in 2021
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Schemes & Initiatives
11. West Bengal Chief Minister Mamata Banerjee has launched the “Shramshree” scheme to aid Bengali-
speaking migrant workers returning to the state, particularly those who faced alleged harassment in BJP-
ruled states. Each eligible returnee receives a one-time travel grant of ₹5,000 and a monthly stipend of
₹5,000 for up to one year or until new employment is secured. Additional support includes free rations
via ‘Khadya Sathi’, health coverage through ‘Swasthya Sathi’, skill training under ‘Utkarsha Bangla’, issuance of job cards via
‘Karmashree’, provision of community kitchen access or temporary shelter, and school admission for their children - all
providing holistic rehabilitation. The CM highlighted that over 2.2 million migrant workers have faced harassment, with
2,730 families (over 10,000 individuals) already brought back. {Read more}
Smart Points:
• Mamata Banerjee (WB) – launched “Shramshree” scheme to aid Bengali-speaking migrant workers returning to state
• One-time travel grant – ₹5,000 | Monthly stipend – ₹5,000 (for up to 1 year or until new employment is secured)
• Additional support includes:
- Free rations via ‘Khadya Sathi’ | Health coverage through ‘Swasthya Sathi’ | Skill training under ‘Utkarsha Bangla’
- Issuance of job cards via ‘Karmashree’ | Provision of community kitchen access or temporary shelter
- School admission for their children
• West Bengal: Capital – Kolkata | CM – Mamta Banerjee | Governor – C. V. Ananda Bose
12. As of March 2025, the Non-Performing Asset (NPA) rate under the Pradhan Mantri Mudra Yojana (PMMY) has risen to
9.81% of outstanding loans by Scheduled Commercial Banks, up from 5.47% in March 2018. This notable increase is driven
by the scheme’s collateral-free loans extended to new entrepreneurs and underserved borrowers. In contrast, the overall
MSME NPA rate stood at 3.60 % for the same period, highlighting higher risk under Mudra since the loans under the scheme
are collateral-free and are often provided to new business entrepreneurs who may lack business experience and expertise.
Despite rising NPAs, PMMY remains among the world’s most inclusive financial instruments. The Finance Minister also
informed Parliament that NPA by number of accounts under Mudra is 2.19 % as of March 2025, down from 2.71 % in March
2018, indicating improved repayment on an account basis. PMMY was launched on April 8, 2015, to provide loans up to 20
lakhs. It offers loans under 4 distinct categories - (i) Shishu, (ii) Kishore, (iii) Tarun and (iv) TarunPlus. These loans are classified
as MUDRA (Micro Units Development and Refinance Agency) loans under PMMY. These loans are given by commercial
banks, RRBs, small finance banks, micro-finance institutions (MFIs), and non-banking financial companies (NBFCs). Under
the ‘Shishu’ category, the loan limit is up to Rs 50,000. This category is designed for businesses that are in the initial phase
of their operations and need minimal capital to start or maintain their activities. Under the ‘Kishore’ category, the loan limit
is Rs 50,000 to Rs 5 lakh. It supports businesses that are in the growth phase and require additional funding to expand their
operations or increase their working capital. Under the ‘Tarun’ category, the loan limit is Rs 5 lakh to Rs 10 lakh. It caters to
well-established businesses that require larger loans to scale up their operations, increase production capacity, and expand
their market reach. Under the ‘Tarun Plus’ category, the loan limit is Rs 10 lakhs to Rs 20 lakhs. {Read more}
Smart Points:
• As of March 2025, NPA rate under PMMY – rose to 9.81% of outstanding loans by SCBs (from 5.47% in March 2018)
- Overall MSME NPA rate – 3.60% (for same period)
• NPA by number of accounts under Mudra – 2.19 % as of Mar 2025 (from 2.71 % in Mar 2018)
• PMMY – launched on Apr 8, 2015, to provide loans up to 20 lakhs, under 4 categories:
- ‘Shishu’ – up to Rs 50,000 | ‘Kishore’ – Rs 50,000 to Rs 5 lakhs
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- ‘Tarun’ – Rs 5 lakhs to Rs 10 lakhs | ‘Tarun Plus’ (introduced in 2024-25) – Rs 10 lakhs to Rs 20 lakhs
• These loans are given by – Commercial Banks, RRBs, SFBs, MFIs, & NBFCs
Ranks, Reports & Surveys
13. The TopBrand Union released the 4th edition of the TopBrand 2025 “Top 500
Global Brands list” during the 19th ‘China Brand Festival’. Microsoft ranked 1st with
a brand value of $1,062.505 billion, followed by NVIDIA with $1,046.760 billion, and
Apple with $997.685 billion. Amazon, Alphabet (Google), Saudi Aramco, Walmart,
Meta (Facebook), Berkshire Hathaway, and Broadcom ranked 4th to 10th,
respectively. PetroChina ranked 14th, making it the highest-valued Chinese brand.
The brand, Apple, which claimed the top rank since the 1st edition, has slipped to
the 3rd spot for the first time. Saudi Aramco is the only non-American brand to gain a spot in the top 10 global brands. The
19th China Brand Festival was held in Shenzhen under the theme “AI and Global Expansion”. {Read more}
Smart Points:
• 4th “Top 500 Global Brands list” – released by TopBrand Union during 19th ‘China Brand Festival’
- 19th China Brand Festival – held in Shenzhen | Under theme – “AI and Global Expansion”
• Top brand – Microsoft ($1,062.505 billion) | Followed by – NVIDIA ($1,046.760 billion) & Apple ($997.685 billion)
- Amazon, Alphabet (Google), Saudi Aramco, Walmart, Meta (Facebook), Berkshire Hathaway & Broadcom
• Highest-valued Chinese brand – PetroChina (14th)
• Saudi Aramco – only non-American brand to gain a spot in top 10 global brands
Ordinance, Bills & Acts
14. The Lok Sabha passed the “Indian Institutes of Management (Amendment) Bill, 2025”,
paving the way to set up one of the country’s premier educational institutions in Guwahati,
Assam. The bill would facilitate the creation of the 22nd IIM in the country and the 2nd IIM in
north-eastern India, after IIM Shillong. A financial grant of ₹550 crore has been allocated for
IIM Guwahati. The Bill, which aims to amend the Indian Institutes of Management Act, 2017,
was passed without discussion amid continuing Opposition protests against the Special Intensive Revision (SIR) of electoral
rolls in Bihar. The 21 IIMs, currently operational in India, have achieved a brand status. Therefore, there has been a demand
to set up IIMs in other countries as well. The IIM Dubai campus will open in September 2025. {Read more}
Smart Points:
• Lok Sabha – passed “Indian Institutes of Management (Amendment) Bill, 2025” to set up a new IIM in Guwahati, Assam
- It will be 22nd IIM in India & 2nd in north-eastern India (after IIM Shillong) | Grant allocated – ₹550 Cr
• 21 IIMs (currently operational in India) – achieved a brand status
• IIM Dubai campus – to open in Sep 2025
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MoUs, Collaborations & Partnerships
15. The Assam Rifles, India’s oldest central paramilitary force responsible for border security and counter‑insurgency in
Northeast India, has signed an MoU with the Indian Institute of Information Technology (IIIT), Manipur to promote drone
technology for defence and security. The initiative includes the launch of an ‘Advanced Drone Training and Refresher
Course’, delivered to around 80 participants, covering drone flight operations, maintenance, and DGCA‑certified training,
aimed at strengthening surveillance, reconnaissance, and logistics support in challenging terrains. This partnership leverages
academic expertise to bolster operational readiness through modern unmanned aerial systems. {Read more}
Smart Points:
• Assam Rifles + IIIT Manipur = an MoU to promote drone technology for defence & security
• HQs of Assam Rifles – Shillong, Meghalaya | DG – Lt. Gen. Vikas Lakhera
Assam Rifles – popularly known as “Sentinels of the Northeast” (India’s oldest Paramilitary Force)
❖ Other Miscellaneous News & Current Static GK:
• August 19 — World Humanitarian Day
(Theme - “Strengthening Global Solidarity and Empowering Local Communities”)
• August 19 — World Photography Day
(Theme - “My Favourite Photo”)
(The day marks the invention of the ‘daguerreotype’, the first practical photographic process, developed by Louis
Daguerre in 1837.)
• August 20 — World Mosquito Day
• August 20 — Sadbhavana Diwas or Harmony Day
(The day marks birth anniversary of former PM Rajiv Gandhi)
• August 20 — Akshay Urja Diwas (since 2004)
(Initiated by - Ministry of New and Renewable Energy)
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A GLIMPSE OF SOME GENUINE TESTIMONIALS
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A GLIMPSE OF SOME GENUINE TESTIMONIALS
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