Showing posts with label NIPFP. Show all posts
Showing posts with label NIPFP. Show all posts

Tuesday, December 1, 2020

10 December 2020: Roundtable discussion on "KYC in Indian financial markets: History and the way forward"

Abstract:
The discussion will be based on our paper that traces the roots of the current KYC framework in the recommendations of the Financial Action Task Force (FATF). The paper also studies the translation of the FATF requirements into law and regulations made by the Government of India and subsequently the financial sector regulators. We then ask whether KYC can be done differently while meeting our FATF obligations.

Organised by
National Institute of Public Finance and Policy, New Delhi

Date: December 10, 2020
Time: 04:00 P.M.

Note:
Please register for the event here.

Friday, November 6, 2020

12 November 2020: GRM Talks - Webinar Series on Grievance Redress Systems and Consumer Protection

Online Dispute Resolution in India
Chittu Nagarajan, CREK ODR
Pramod Rao, ICICI Bank
Sachin Malhan, Agami

Moderator:
Smriti Parsheera, NIPFP

Abstract:
Online dispute resolution (ODR) refers to the use of technology to enable the effective and timely resolution of disputes. Its genesis lies in the redress of online grievances but the field has expanded since then to cover a range of sectors, including, property settlements, family disputes and, of course, financial transactions. This session will explore the meaning and history of ODR, the current state of the ecosystem in India, and what are India's unique challenges and opportunities. A discussion on these issues is also timely in light of the Niti Aayog's expert committee report on an ODR Policy Plan for India.

Organised by
National Institute of Public Finance and Policy, New Delhi

Date: November 12, 2020
Time: 04:00 P.M.

Note:
To receive login details for the Webinar, please register for the event here.

Friday, October 30, 2020

5 November 2020: GRM Talks - Webinar Series on Grievance Redress Systems and Consumer Protection

Something to Complain About: How Minority Representatives Overcome Ethnic Differences
M.R. Sharan, Center for Global Development

Discussant:
Sabyasachi Das, Ashoka University
Vimal Balasubramaniam, Queen Mary University of London

Abstract:
We study the costs of ethnic differences between local politicians and examine ways to mitigate them. Using data from over 100,000 local politicians in India, we establish – via a regression discontinuity design – that delivery of key public goods suffers when ethnic minority (low-caste) representatives govern under non-minority (high-caste) representatives. We then study an institutional innovation that mitigates these adverse consequences. In our setting, local politicians can file complaints with the higher bureaucracy under a formal complaints technology. We establish that low-caste politicians use the technology, filing over twice as many complaints when exogenously paired with high-caste superiors. Does filing complaints improve outcomes, though? We run a large field experiment involving 1629 low-caste representatives where we randomize offers to file complaints on their behalf. Treated jurisdictions see a 26%rise in public good projects, accounting for 79% of the initial gap in provision, with positive spillovers onto neighbouring jurisdictions.

Organised by
National Institute of Public Finance and Policy, New Delhi

Date: November 5, 2020
Time: 04:00 P.M.

Note:
To receive login details for the Webinar, please register for the event here.

Friday, October 23, 2020

28 October 2020: 6th Quarterly Roundtable – Data Governance Network

Presentation 1: The System Knows Your Name: Behavioural Experiments in Data Privacy in the Global South
Pooja Haldea, Centre for Social and Behavioural Change, Ashoka University

Presentation 2: Regulating Digital Platforms: Bridging the Gap Between Competition Policy and Data Protection
Sharmadha Srinivasan, IDFC Institute

Presentation 3: Backdoors to Encryption: Analysing an Intermediary's Duty to Provide Technical Assistance
Vrinda Bhandari, Delhi High Court and National Institute of Public Finance and Policy (NIPFP)
Discussant: Udbhav Tiwari, Mozilla Corporation

Abstract:
The Data Governance Network was created in 2019, to create a community of researchers and practitioners that can inform good governance practices in the digital ecosystem and produce innovative research on data governance in India, so as to enable evidence based policy making. The Network brings together some of India's leading policy think-tanks with a view to help create a uniquely Indian model of data governance.

The webinar on the 28th October 2020, is the 6th DGN Quarterly Round Table. The event will see presentation of papers and proposals by researchers from the participating institutions, with a view to highlight the latest research and solicit public feedback thereon. The event seeks to bring together institutional and individual experts, convening stakeholders across industry, government and academia, in order to fuel an engine of implementable policy research.

Organised by
National Institute of Public Finance and Policy, New Delhi

Date: October 28, 2020
Time: 04:00 P.M.

Note:
Please register for the event here.

Friday, October 9, 2020

15 October 2020: Webinar and panel discussion on gender discrimination in the Hindu Succession Act

Panelists:
Rekha Sharma, National Commission for Women
Flavia Agnes, Women's rights lawyer, activist and expert on family law

Moderator:
Jyoti Malhotra, The Print

Abstract:
The Supreme Court's recent judgment clarifying daughters' rights to ancestral property under the 2005 Amendment to the Hindu Succession Act (HSA) has drawn much needed attention to the issue of gender discrimination in the Act. While the HSA has undergone significant reform in terms of giving equal treatment to men and women in the right to inherit ancestral property, the provisions governing devolution of property still unfairly discriminate against women and their families. For example, the scheme of devolution for women's self-acquired property, her husband's relatives have a stronger claim than her own parents, if she dies without children and without creating a living will. We highlight these issues in a recent working paper titled "Gender Discrimination in Devolution of Property under Hindu Succession Act, 1956 (HSA)", and propose a draft amendment bill to remedy the issues.

Organised by
National Institute of Public Finance and Policy, New Delhi

Date: October 15, 2020
Time: 04:30 P.M.

Note:
Please join the webinar here.
Meeting number: 156 598 6099 and Password: 8NYmJsGa3P7

15 October 2020: GRM Talks - Webinar Series on Grievance Redress Systems and Consumer Protection

Building a Grievance Redress System: The CFPB Experience
Chad Tompkins, Consumer Financial Protection Bureau (CFPB)

Discussant:
Manoj Pandey, Ministry of Corporate Affairs

Moderator:
K. P. Krishnan, National Council of Applied Economic Research (NCAER)

Abstract:
The Consumer Financial Protection Bureau (CFPB) was created after the financial crisis of 2008 to provide a single point of enforcing federal consumer financial laws in the United States. As the primary consumer financial protection authority, the CFPB has amassed enormous experience over the decade in building and implementing a grievance redress system by way of its Consumer Complaints process and integrating it with both financial firms, and consumers, and monitoring the interaction that takes place through the system. This talk will shed light on the inner workings of the Consumer Complaints system.

Organised by
National Institute of Public Finance and Policy, New Delhi

Date: October 15, 2020
Time: 04:00 P.M.

Note:
To receive login details for the Webinar, please register for the event here.

Tuesday, September 22, 2020

1 October 2020: GRM Talks - Webinar Series on Grievance Redress Systems and Consumer Protection

Talk 1: Addressing Grievances Outside of the Court: Lessons from Grahak Sahayta Kendra
Deepak Saxena, CUTS International, Jaipur

Abstract:
Grahak Sahayta Kendra (GSK) helps financial consumers address their grievances with physical centres that serve as a non-judicial stop point for consumers. We present lessons from the GSK on designs of grievance redress, and the nature of complaints from financial consumers.

Talk 2: Notes on Grievance Redress from the Field
Srishti Sharma, National Institute of Public Finance and Policy

Abstract:
We present lessons from focussed group discussions that were carried out in Nagpur and Mumbai among varying demographic groups accessing different financial products. We gathered insights on access to financial products, incidence of grievances in the formal financial sector, and how consumers interact with formal and informal mechanisms of grievance redress. We found low levels of reporting of grievances irrespective of the economic background and access to financial products among consumers. Lack of awareness of such mechanisms is the most cited reason and common across groups. Consumers from rural areas with poor economic background and limited access to finance showed a high level of tolerance to financial grievances. They cited the fear of retribution as an additional reason for not airing their grievances. On the other hand, the consumers from urban households having high access to financial products reported the complexity of the grievance redress process and lack of trust in such mechanisms as the contributing factors.

Organised by
National Institute of Public Finance and Policy, New Delhi

Date: October 1, 2020
Time: 04:00 P.M.

Note:
To receive login details for the Webinar, please register for the event here.

Monday, September 7, 2020

17 September 2020: Webinar on "How have Indian courts dealt with consumer finance disputes?"

Karan Gulati, National Institute of Public Finance and Policy

Discussant
K. P. Krishnan, National Council of Applied Economic Research

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
This paper studies the role of courts in consumer nance disputes in India. It describes the structure of the courts that consumers can access, such as the consumer courts established under the Consumer Protection Act, 1986 (and now 2019), High Courts and the Supreme Court of India. It finds that in the case of banking disputes, courts have generally sided with the consumer when banks behaved contrary to Reserve Bank of India (RBI) circulars. In the case of insurance, courts have taken a pro-industry contractual compliance stance. Hence, consumers did not get a remedy in cases where the contracts had unfair terms. The paper also finds that courts tend to award low compensation, take a long time for adjudication, do not have systems for class action suits, and generally lack specialization to deal with consumer finance issues. All of these are important issues that must be addressed for courts to become more effective in providing relief regarding consumer finance (and other) disputes.

Date: September 17, 2020
Time: 04:00 P.M.

Note:
To receive login details for the Webinar, please register for the event here.

Wednesday, August 12, 2020

13 August 2020: Unified Payments Interface: Towards greater cyber sovereignty

Sunil Abraham
ArtEZ University of Arts

Discussant:
Ajay Shah

Organised by:
National Institute of Public Finance and Policy, New Delhi

Abstract:
Sunil Abraham will give a talk on his paper titled “Unified Payments Interface: Towards Greater Cybersovereignty” (ORF Issue Brief, No. 380, July 2020). The paper analyses India’s experience in setting up the Unified Payments Interface (UPI) and outlines lessons that can be emulated by other countries aiming to provide affordable, ubiquitous and quality digital payment services to their public. The paper argues that the interventionist approach and public-private partnerships fostered by the Indian government have paid off, though there are course corrections required to protect the UPI ecosystem.

Date: August 13, 2020
Time: 04:00 P.M.

Note:
To receive login details for the Webinar, please register for the event here.

Wednesday, March 4, 2020

12 March 2020: Next Generation Justice Platform: Vision, Implementation, and Legal Framework

Surya Prakash BS
DAKSH

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
The justice system has made considerable advances in adoption of ICT given the scale of its operation and the large population whose needs it must meet. The design of information systems used by institutions such as the Indian judiciary, lawyers, government departments, police, and prison authorities, does not exploit the full extent of currently commonplace technology, owing to legislative, institutional, and resource constraints. In a recent whitepaper series, DAKSH provides a roadmap for a transformation of the justice system that is not merely technologically oriented, but which sets goals which the process should fulfill, and proposes strategic, technical, legislative courses of action to reach these goals. The speaker - Surya Prakash BS - will present the highlights of these white papers in this seminar.

Date: March 12, 2020
Time: 04:30 P.M.

Venue:
Classroom, Ground Floor
R & T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Note:
Those who are interested may please confirm your participation at latha.balasubramanian@nipfp.org.in

Location:

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Tuesday, February 25, 2020

4 March 2020: One Hundred Homes - A Visual Survey of India

Jeffrey Hammer
Economists Without Borders(ECWB) and NCAER

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
“One hundred homes” illustrates with pictures, videos, 360 shots, and family descriptions what people who are the respondents of the standard government surveys look like in real life. It organizes the one hundred visual essays according to the results of a household consumption survey that are used by researchers, statisticians and policy makers to bring out the richness of life under the numbers.

Date: March 4, 2020
Time: 04:00 P.M.

Venue:
Auditorium, Ground Floor
Main Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Note:
Those who are interested may please confirm your participation at latha.balasubramanian@nipfp.org.in

Location:

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Tuesday, January 21, 2020

21 January 2020: The Brexit Meltdown: Populism and the Dynamics of Global Decline

David Long
Carleton University, Ottawa, Canada

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
Among the many accounts of the reasons and consequences of Brexit for the United Kingdom, nationalist populism is frequently accorded importance. In this paper, I consider the relationship of the rise of populist discourse to the impact of global decline. While populism is a all-too-obvious recent trend in democratic politics, in a number of contexts – whether the US, Russia or even Turkey – it is associated both materially and ideationally with notions of a glorious past, a less than satisfactory present, and the looming unknown of the future. The paper will unpack the discourse of decline and examine the rhetorical device where the people ‘take back control’ and ‘make great again’, to use but two populist catchphrases.

Date: January 21, 2020
Time: 03:00 P.M.

Venue:
Conference Hall, Ground Floor
R&T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Location:

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Friday, December 6, 2019

9 December 2019: Global Economic Outlook

Luis Breuer
International Monetary Fund

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
After slowing sharply in the last three quarters of 2018, the pace of global economic activity remains weak. Rising trade and geopolitical tensions have increased uncertainty about the future of the global trading system and international cooperation more generally, taking a toll on business confidence, investment decisions, and global trade. The talk shall provide an overview of the latest release of World Economic Outlook in October 2019 by the IMF which analysis the world economy and issues affecting industrial countries, developing countries, and economies in transition to market; and address topics of pressing current interest and implications for India.

Date: December 9, 2019
Time: 02:00 P.M.

Venue:
Conference Hall, Ground Floor
R&T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Location:

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Wednesday, December 4, 2019

13 December 2019: Corporate Social Responsibility: Perspectives and Field Experiences

Priyanka Chhaparia
Centre for Responsible Business

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
Corporate Social Responsibility (CSR) has evolved as an interdisciplinary concept, cross-cutting into fields of management, economics, law, sociology, and also social work. In India, with the introduction of Section 135 of the Companies Act 2013, expenditure on socially responsible activities has been made mandatory. This evolution and journey of CSR from a philanthropic activity to a mandatory multi-stakeholder concept is one full of debates and conflict. The talk aims to give an overview of the CSR landscape in India and present field experiences of some of the CSR activities that are undertaken by foundations managed by corporate entities.

Date: December 13, 2019
Time: 02:00 P.M.

Venue:
Conference Hall, Ground Floor
R&T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Location:

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13 December 2019: Do Electronic Health Records systems inflate insurance costs?: A study of Medicare Reimbursements

Kartik Ganju
McGill University, Canada

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
Electronic health record (EHR) systems allow physicians to automate the process of entering patient data relative to manual entry in traditional paper-based records. However, such automated data entry may be exploited by hospitals to inflate reimbursement requests from Medicare by overstating the true complexity of patients’ diagnoses (termed “upcoding”). The primary EHR module that has been alleged to facilitate upcoding is the computerized physician order entry (CPOE) system, which populates patient charts with default templates and allows physicians to copy and paste data from other patients’ records. To combat upcoding, the Centers for Medicare and Medicaid Services implemented the Recovery Audit Program, first as a pilot program in six states between 2005 and 2009, and then nationwide in the entire United States in 2010. We examine whether the adoption of CPOE systems by hospitals is associated with a proliferation in reported patient complexity to Medicare, and if the Recovery Audit Program helped to attenuate this relationship. We find that the adoption of CPOE systems significantly increased patient complexity reported by hospitals, corresponding to an estimate of $2 Billion inflation in Medicare reimbursements per year, until they were regulated by the Recovery Audit Program that helped to mitigate upcoding. Notably, those auditors who developed the ability to identify the use of default templates, copied-and-pasted data, and cloned records were the most effective in reducing upcoding. This implies that these IT auditors likely use the same data created by the CPOE systems to identify and combat upcoding. These findings have implications how to combat inflated Medicare reimbursements paid by taxpayer dollars with the Recovery Audit Program and how IT audit can prevent the misuse of information systems to create artificial business value from IT. Contributions to Information Systems and Healthcare research, practice, and public policy are discussed.

Date: December 13, 2019
Time: 03:30 P.M.

Venue:
Auditorium, Ground Floor
Main Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Note:
Those who are interested may please confirm your participation at latha.balasubramanian@nipfp.org.in

Location:

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Friday, November 15, 2019

Cancelled due to declaration of holiday on account of severe air pollution in Delhi-NCR - 15 November 2019: Dealing with Natural Disasters - Shrinking role of the community and the market, and the expansion of the state

Barun Mitra
Founder Director Liberty Institute

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
Throughout much of history mankind has relied on its own ingenuity and imagination in the face of many natural disasters. Many cultures across the world recognise in their epics the enormous disruption a natural disaster caused, in the form of a great flood or lost continents. These shared experiences not only disrupted the communities, but also often reshaped the relationships within it.

With the rapid progress of science and technology in the last few centuries, many secrets of nature have been unraveled. With economic development man’s capacity to reduce his vulnerability to the natural hazards have greatly increased.

However, with rise of the nation state, particularly in the last two centuries, the onus of dealing with disasters, natural or man-made, have been increasingly claimed by the state. This is also a phase when citizens and the community have slowly surrendered their own responsibilities and capacities.

Disasters, man-made ones such as wars or social and economic turmoil, or natural ones, like a flood or an earthquake, have increasingly opened the space for unbridled expansion of the State, at the cost of freedom of the citizens and integrity and autonomy of the community.

The threat posed by natural disasters is now being superseded by the threat that is emerging to human civilisation itself from the agency of the state that is threatening to play God, in the name of protecting her people from the wrath of nature. This is threatening to turn the clock back towards the dark days of the divine rights of the rulers who wielded absolute power over the people by claiming absolute knowledge and complete command over resources. In contrast, citizens in a community and in their interactions in the marketplace acknowledge the limited knowledge and the scarcity of resources.

Two contemporary episodes, the never ending war on terror, and the endless horse trading over climate change, illustrate how the misguided state policies have fuelled the sense of crisis. Then the same sense of fear have enabled the state to continuously claim more authority and power to deal with the challenges that it has singularly contributed to create. A perverse incentive has developed to fuel and perpetuate the sense of crisis and fear, and leverage that to ensure the expansion of the state power.

Date: November 15, 2019
Time: 04:00 P.M.

Venue:
Conference Hall, Ground Floor
R&T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Note:
Those who are interested may please confirm your participation at latha.balasubramanian@nipfp.org.in

Location:

View Larger Map

Wednesday, November 6, 2019

15 November 2019: Dealing with Natural Disasters - Shrinking role of the community and the market, and the expansion of the state

Barun Mitra
Founder Director Liberty Institute

Organised by
National Institute of Public Finance and Policy, New Delhi

Abstract:
Throughout much of history mankind has relied on its own ingenuity and imagination in the face of many natural disasters. Many cultures across the world recognise in their epics the enormous disruption a natural disaster caused, in the form of a great flood or lost continents. These shared experiences not only disrupted the communities, but also often reshaped the relationships within it.

With the rapid progress of science and technology in the last few centuries, many secrets of nature have been unraveled. With economic development man’s capacity to reduce his vulnerability to the natural hazards have greatly increased.

However, with rise of the nation state, particularly in the last two centuries, the onus of dealing with disasters, natural or man-made, have been increasingly claimed by the state. This is also a phase when citizens and the community have slowly surrendered their own responsibilities and capacities.

Disasters, man-made ones such as wars or social and economic turmoil, or natural ones, like a flood or an earthquake, have increasingly opened the space for unbridled expansion of the State, at the cost of freedom of the citizens and integrity and autonomy of the community.

The threat posed by natural disasters is now being superseded by the threat that is emerging to human civilisation itself from the agency of the state that is threatening to play God, in the name of protecting her people from the wrath of nature. This is threatening to turn the clock back towards the dark days of the divine rights of the rulers who wielded absolute power over the people by claiming absolute knowledge and complete command over resources. In contrast, citizens in a community and in their interactions in the marketplace acknowledge the limited knowledge and the scarcity of resources.

Two contemporary episodes, the never ending war on terror, and the endless horse trading over climate change, illustrate how the misguided state policies have fuelled the sense of crisis. Then the same sense of fear have enabled the state to continuously claim more authority and power to deal with the challenges that it has singularly contributed to create. A perverse incentive has developed to fuel and perpetuate the sense of crisis and fear, and leverage that to ensure the expansion of the state power.

Date: November 15, 2019
Time: 04:00 P.M.

Venue:
Conference Hall, Ground Floor
R&T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Note:
Those who are interested may please confirm your participation at latha.balasubramanian@nipfp.org.in

Location:

View Larger Map

Thursday, October 24, 2019

25 October 2019: How to Mitigate Climate Change

Ian Parry
Fiscal Affairs Department, International Monetary Fund

Abstract:
The IMF’s Fiscal Monitor provides a toolkit for climate mitigation policies. It discusses the pros and cons of alterative mitigation instruments including carbon taxes, trading systems, regulations, and tax-subsidy schemes. A quantitative analysis is provided for G20 countries illustrating the impacts of carbon pricing, what prices are consistent with countries’ Paris mitigation pledges, and the trade-offs with other policy instruments. The design and impacts of a carbon price floor arrangement among large emitters that could complement the Paris Agreement are considered. The report also discusses strategies for enhancing the acceptability of mitigation policies and supporting measures needed to ensure adequate investment in low-emission technologies.

Date: October 25, 2019
Time: 03:00 P.M.

Venue:
Auditorium, Ground Floor
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Location:

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Monday, October 21, 2019

23 October 2019: Evidence/Proof: Science and Social Response to Air Pollution

Jessica Seddon
World Resources Institute (WRI), Washington D.C.

Abstract:
This talk will discuss the way that the chemistry of air pollution shapes the policy and political challenges of improving air quality. It will lay out a general framework for the intersection of science and social dynamics and offer some specific proposals for air quality governance in India.

Date: October 23, 2019
Time: 04:30 P.M.

Venue:
Conference Hall, Ground Floor
R&T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Note:
Those who are interested may please confirm your participation at latha.balasubramanian@nipfp.org.in

Location:

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Monday, July 29, 2019

6 August 2019: Routing Money, Not Packets

Vishal Misra
Department of Computer Science, Columbia University

Abstract:
The issue of Network Neutrality has ignited considerable public debate in the recent past. While the term and much of the discussion originated in the legal community, we started looking at it from an engineering and networking perspective a few years ago. We employed the lens of cooperative game theory and careful modeling of the Internet including the topology, peering relationships, and protocols used on the Internet.

Our primary conclusion is that Network Neutrality should be expressed in terms of how you treat competition, not in how you treat packets and we proposed a definition of Network Neutrality that expresses that. We present some of our results including our prediction back in 2008 of a rise in paid peering (last year Netflix signed paid peering arrangements with all 4 of the top broadband providers in the US), the negative impact of differential pricing on competition, the inadequacies of the Network Neutrality regulation in the US and the recent regulations in India and Canada, where they are consistent with our definition of Network Neutrality.

Date: August 6, 2019
Time: 03:30 P.M.

Venue:
Conference Hall, Ground Floor
R&T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)

Note:
Those who are interested may please confirm your participation at latha.balasubramanian@nipfp.org.in

Location:

View Larger Map