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Banking, Fintech & Insurance 18 Oct 2026, 08:00 PM IST

HDFC Bank Profit Rises 4.7% as Margin Pressure Persists Ahead of CEO Transition

HDFC Bank reported a 4.7% year-on-year rise in standalone net profit for the second quarter, supported by steady loan and deposit growth, even as margin pressure weighed on core profitability. Net interest income climbed 9.7%, but the lender’s earnings profile remained under strain as it prepares to welcome a new chief executive later this month, ending a prolonged period of succession uncertainty.

By RDU Global Wire5 min read

Banking, Fintech & Insurance15 Oct 2026, 11:33 PM IST

Anup Bagchi Faces HDFC Bank’s First Big Test: Rebuilding Investor Trust

Incoming HDFC Bank chief Anup Bagchi inherits a franchise that remains structurally strong but is under sharper investor scrutiny after loan growth and return on equity drifted closer to industry averages. His immediate challenge is to prove that execution discipline and governance can restore the premium once attached to the bank’s growth and profitability profile.

6 min readRead →

Banking, Fintech & Insurance15 Oct 2026, 01:58 PM IST

HDFC Bank, Kotak Mahindra Bank Name Two Anups to Lead Succession Reset

HDFC Bank and Kotak Mahindra Bank have each turned to a new chief executive in a closely watched leadership reshuffle that underscores the depth of succession planning at India’s top private lenders. Anup Bagchi will take over as MD and CEO of HDFC Bank on October 26, while Anup Saha will assume the top job at Kotak Mahindra Bank on January 1.

5 min readRead →

Banking, Fintech & Insurance15 Oct 2026, 12:36 PM IST

HDFC Bank Names Anup Bagchi as CEO, Elevating an ICICI Veteran to Lead India’s Largest Private Lender

HDFC Bank has appointed Anup Bagchi as managing director and chief executive officer, with the move taking effect on October 27, 2026, subject to regulatory approval already secured from the Reserve Bank of India. Bagchi, a long-time ICICI Group executive who most recently spent three years at ICICI Prudential Life Insurance, returns to banking at a pivotal moment for India’s largest private sector lender.

6 min readRead →

Banking, Fintech & Insurance15 Oct 2026, 10:12 AM IST

Anup Bagchi faces a trust test at HDFC Bank as growth and returns cool

Incoming HDFC Bank chief executive Anup Bagchi inherits a franchise still dominant in Indian banking, but one that must now prove it can execute more cleanly and defend investor confidence. With loan growth and return on equity easing toward industry averages, the market’s focus is shifting from scale to discipline, governance and consistency.

5 min readRead →

Banking, Fintech & Insurance15 Oct 2026, 06:47 AM IST

HDFC Bank Rolls Out Festival Offer With Savings of Up to ₹70,000 Across Loans and Card Spending

HDFC Bank has launched its annual festival offer, bundling thousands of deals across shopping and financing categories as it seeks to capture seasonal consumer demand. The programme allows eligible customers to save up to ₹70,000 on festive purchases made through HDFC Bank credit cards and EASYEMI on debit and credit cards, while also extending benefits across personal, car, vehicle, home and gold loans.

5 min readRead →

Banking, Fintech & Insurance15 Oct 2026, 04:02 AM IST

HDFC Bank Proposes Up to Rs 35.9 Crore Pay Package for Incoming CEO Anup Bagchi

HDFC Bank has proposed an annual compensation package of up to Rs 35.90 crore for incoming chief executive Anup Bagchi, a figure that could rise to Rs 43.24 crore if performance-linked stock awards are included. The package, subject to shareholder approval, would place Bagchi among the highest-paid bank chiefs in India and underscores the lender’s intent to back his mandate with a strong incentive structure.

5 min readRead →

Banking, Fintech & Insurance15 Oct 2026, 03:21 AM IST

HDFC Bank Names ICICI Veteran Anup Bagchi as CEO in Leadership Reset

HDFC Bank has appointed Anup Bagchi as its next managing director and chief executive officer, with the Reserve Bank of India approving the move ahead of his October 27, 2026 start date. Bagchi, a seasoned banker with deep experience across retail, corporate and investment banking, returns to the sector after a three-year stint at ICICI Prudential Life Insurance.

5 min readRead →

Banking, Fintech & Insurance15 Oct 2026, 01:18 AM IST

HDFC Bank, Kotak Mahindra Bank Tap Two Anups in Major CEO Succession Reset

HDFC Bank and Kotak Mahindra Bank have each chosen a new chief executive in a closely watched leadership transition that reshapes the top tier of Indian banking. Anup Bagchi will take over as MD and CEO of HDFC Bank on October 26, while Anup Saha will assume the same role at Kotak Mahindra Bank from January 1.

5 min readRead →

Banking, Fintech & Insurance15 Oct 2026, 12:57 AM IST

HDFC Bank Rolls Out Festival Offer With Savings of Up to ₹70,000 Across Loans and Card Payments

HDFC Bank has launched its annual festival offer, packaging thousands of deals across consumer-facing products as it seeks to capture seasonal spending demand. The programme allows customers to save up to ₹70,000 on festive purchases made through HDFC Bank credit cards and EASYEMI on debit and credit cards, while also extending benefits across personal, car, vehicle, home and gold loans.

4 min readRead →

Banking, Fintech & Insurance08 Oct 2026, 11:47 PM IST

HDFC Bank, Kotak Mahindra Bank Tap Two Anups to Resolve Banking Succession Puzzle

HDFC Bank and Kotak Mahindra Bank have each named a new chief executive, installing Anup Bagchi and Anup Saha in two of the country’s most closely watched banking transitions. The appointments mark a significant leadership reset at two private-sector lenders as they prepare for the next phase of growth under new management.

5 min readRead →

Banking, Fintech & Insurance08 Oct 2026, 08:47 PM IST

ICICI Veteran Anup Bagchi Set to Lead HDFC Bank After RBI Approval

Anup Bagchi, a 34-year ICICI Group veteran known for his retail and wholesale banking leadership, is set to join HDFC Bank as managing director after receiving Reserve Bank of India approval. His appointment marks a notable leadership transition at India’s largest private lender, where continuity, execution and deposit mobilisation remain central priorities.

5 min readRead →

Banking, Fintech & Insurance08 Oct 2026, 04:26 PM IST

Anup Bagchi, ICICI Veteran of 34 Years, Set to Take Charge at HDFC Bank

Anup Bagchi, a long-serving ICICI Group executive with deep experience across retail and wholesale banking, is set to join HDFC Bank as managing director after receiving Reserve Bank of India approval. The appointment marks a significant leadership transition at India’s largest private lender, bringing in a banker known for operational breadth, steady execution and an unusually informal style for a top-tier banking executive.

6 min readRead →

Banking, Fintech & Insurance08 Oct 2026, 02:56 PM IST

HDFC Bank names ICICI veteran Anup Bagchi as next CEO in leadership reset

HDFC Bank has appointed Anup Bagchi as its managing director and chief executive officer, with the move taking effect on October 27, 2026, subject to Reserve Bank of India approval already in place. Bagchi, currently with ICICI Prudential Life Insurance, returns to banking after a long career spanning retail, corporate and investment banking.

6 min readRead →

Banking, Fintech & Insurance08 Oct 2026, 09:28 AM IST

Anup Bagchi Faces HDFC Bank’s Hardest Test: Rebuilding Investor Trust

Incoming HDFC Bank chief Anup Bagchi inherits a franchise that remains formidable, but no longer enjoys the easy premium it once commanded from investors. His immediate challenge is to sharpen execution, strengthen governance and show that loan growth and returns can again outpace the broader industry. Markets will judge him not on promises, but on whether HDFC Bank can reclaim the consistency that once made it the sector’s benchmark.

5 min readRead →

Banking, Fintech & Insurance08 Oct 2026, 08:40 AM IST

RBI Weighs Anup Bagchi for HDFC Bank Top Job, Seeks Views on Banking Gap

The Reserve Bank of India is actively examining Anup Bagchi’s suitability for the chief executive role at HDFC Bank and has sought feedback from regulators and ICICI Bank as it assesses his three-year absence from mainstream banking. Bagchi, currently with ICICI Prudential Life, has emerged as a leading contender in a succession process that also includes HDFC Bank’s preference for Kaizad Bharucha, a choice that would require regulatory flexibility on tenure norms.

5 min readRead →

Banking, Fintech & Insurance07 Oct 2026, 11:23 PM IST

HDFC Bank appoints ICICI veteran V.N. Srivatsan as chief compliance officer

HDFC Bank has named V.N. Srivatsan, a long-serving ICICI Bank executive, as its Chief Compliance Officer for a three-year term beginning January 4, 2027. The appointment underscores the lender’s emphasis on regulatory discipline, data governance and oversight at a time when Indian banks are operating under tighter supervisory expectations.

5 min readRead →

Banking, Fintech & Insurance07 Oct 2026, 10:39 PM IST

Apple Pay Set for India Debut Next Month With Axis Bank Cards, Report Says

Apple is preparing to launch Apple Pay in India next month, beginning with integration for Axis Bank credit cards, according to a report. The rollout would mark a significant step into one of the world’s most competitive digital payments markets, with discussions also under way with HDFC Bank and ICICI Bank to broaden access.

6 min readRead →

Banking, Fintech & Insurance07 Oct 2026, 06:54 PM IST

Apple Pay Set for India Debut Next Month With Axis Bank Credit Cards: Report

5 min readRead →

Banking, Fintech & Insurance07 Oct 2026, 03:09 PM IST

Apple Pay Set for India Debut Next Month With Axis Bank Cards, Report Says

Apple is preparing to launch Apple Pay in India next month, beginning with integration for Axis Bank credit cards, according to a report. The move would place Apple more directly inside India’s fast-growing digital payments market, with discussions also under way with HDFC Bank and ICICI Bank to broaden access.

5 min readRead →

Banking, Fintech & Insurance07 Oct 2026, 09:24 AM IST

HDFC Bank names ICICI veteran Anup Bagchi as next CEO, signalling continuity at India’s largest private lender

HDFC Bank has appointed Anup Bagchi as its managing director and chief executive officer, with the Reserve Bank of India approving the move and the transition set for October 27, 2026. Bagchi, a long-time ICICI Group executive who most recently served at ICICI Prudential Life Insurance, returns to banking at a pivotal moment for the lender’s post-merger integration and growth strategy.

5 min readRead →

Banking, Fintech & Insurance07 Oct 2026, 07:05 AM IST

HDFC Bank names ICICI veteran Anup Bagchi as CEO, setting stage for leadership shift in 2026

HDFC Bank has appointed Anup Bagchi as managing director and chief executive officer, with the transition set to take effect on October 27, 2026, subject to the bank’s governance process. The Reserve Bank of India has approved the appointment, and Bagchi will also join the board as an additional director.

5 min readRead →

Banking, Fintech & Insurance06 Oct 2026, 01:40 PM IST

HDFC Bank appoints ICICI veteran V.N. Srivatsan as chief compliance officer

HDFC Bank has named V.N. Srivatsan, a long-serving ICICI Bank compliance executive, as its Chief Compliance Officer for a three-year term beginning January 4, 2027. The appointment underscores the lender’s emphasis on regulatory discipline, data privacy and governance as India’s largest private-sector banks operate under intensifying supervisory scrutiny.

6 min readRead →

Banking, Fintech & Insurance06 Oct 2026, 09:55 AM IST

HDFC Bank and Kotak Mahindra Bank Tap Two Anups to Reset Top Leadership

HDFC Bank has appointed Anup Bagchi as its new managing director and chief executive officer, effective October 26, after Sashidhar Jagdishan opted not to seek reappointment at the end of his six-year term. Kotak Mahindra Bank has separately named Anup Saha as its next MD and CEO from January 1, setting up a rare simultaneous leadership transition at two of India’s most closely watched private lenders.

5 min readRead →

Banking, Fintech & Insurance06 Oct 2026, 09:33 AM IST

HDFC Bank Names ICICI Veteran Anup Bagchi as CEO in Leadership Reset

HDFC Bank has appointed Anup Bagchi as its managing director and chief executive officer, with the move set to take effect on October 27, 2026, subject to the Reserve Bank of India’s approval already in place. Bagchi, a seasoned banker with deep experience across retail, corporate and investment banking, returns to the sector after a three-year stint at ICICI Prudential Life Insurance.

6 min readRead →

Banking, Fintech & Insurance06 Oct 2026, 08:50 AM IST

HDFC Bank appoints ICICI veteran V.N. Srivatsan as chief compliance officer

HDFC Bank has named V.N. Srivatsan, a long-serving ICICI Bank executive, as its Chief Compliance Officer for a three-year term beginning January 4, 2027. The move underscores the lender’s emphasis on regulatory discipline, governance depth and risk oversight at a time when Indian banks face tighter supervisory expectations.

5 min readRead →

Banking, Fintech & Insurance06 Oct 2026, 06:39 AM IST

HDFC Bank Appoints ICICI Veteran V.N. Srivatsan as Chief Compliance Officer

HDFC Bank has named V.N. Srivatsan, a long-serving ICICI Bank executive, as its Chief Compliance Officer for a three-year term beginning January 4, 2027. The appointment underscores the lender’s focus on regulatory discipline, governance depth and risk oversight at a time when Indian banks are operating under heightened supervisory scrutiny.

5 min readRead →

Banking, Fintech & Insurance06 Oct 2026, 04:52 AM IST

HDFC Bank appoints ICICI veteran V.N. Srivatsan as chief compliance officer

5 min readRead →

Banking, Fintech & Insurance06 Oct 2026, 02:34 AM IST

HDFC Bank appoints ICICI veteran V.N. Srivatsan as Chief Compliance Officer

HDFC Bank has named V.N. Srivatsan, a long-serving ICICI Bank executive, as its Chief Compliance Officer for a three-year term beginning January 4, 2027. The appointment underscores the lender’s emphasis on regulatory discipline, governance depth and continuity in a business environment where compliance oversight has become a strategic priority for large banks.

5 min readRead →

Banking, Fintech & Insurance06 Oct 2026, 12:48 AM IST

HDFC Bank Shares Stay Under Pressure After CEO Appointment as Charts Still Point Lower

HDFC Bank shares are drawing a brief relief rally after the appointment of Anup Bagchi as chief executive, but technical signals continue to suggest the stock remains fragile. Analysts are watching resistance near Rs 755-760, while support is seen around Rs 685-680, leaving the counter vulnerable if buying interest fades.

5 min readRead →

Banking, Fintech & Insurance05 Oct 2026, 09:59 PM IST

HDFC Bank Shares Stay Under Pressure After CEO Appointment as Charts Point to More Weakness

HDFC Bank shares extended their fragile tone even after a relief rally triggered by the appointment of Anup Bagchi as chief executive officer. Technical analysts say the stock remains capped near Rs 755-760, while immediate support is seen around Rs 685-680, leaving traders cautious despite the leadership change. The counter has fallen 28% in 2026, sharply underperforming the Nifty 50, which is down 14% this year.

5 min readRead →

Banking, Fintech & Insurance05 Oct 2026, 07:23 PM IST

RBI Weighs Anup Bagchi for HDFC Bank Top Job, Seeks Regulator and Peer Feedback

The Reserve Bank of India is actively assessing Anup Bagchi as a leading contender for the chief executive role at HDFC Bank, and has sought views from both the insurance regulator and ICICI Bank on his suitability. The review reflects concern over Bagchi’s three-year absence from mainstream banking, even as HDFC Bank has separately proposed Kaizad Bharucha, a move that would require regulatory flexibility on tenure rules.

5 min readRead →

Banking, Fintech & Insurance05 Oct 2026, 05:34 PM IST

RBI Weighs Anup Bagchi for HDFC Bank Top Job, Seeks Regulator and Peer Feedback

The Reserve Bank of India is actively assessing Anup Bagchi as a potential chief executive for HDFC Bank and has sought feedback from both the insurance regulator and ICICI Bank on his suitability, according to people familiar with the matter. The review reflects concern over Bagchi’s roughly three-year gap from mainstream banking, even as he emerges as a leading contender for one of India’s most closely watched financial-sector appointments.

5 min readRead →

Banking, Fintech & Insurance05 Oct 2026, 05:34 PM IST

HDFC Bank Shares Gain as Anup Bagchi Named CEO, Ending Leadership Overhang

HDFC Bank shares rose about 2% after the lender appointed Anup Bagchi as its new managing director and chief executive officer, removing a key uncertainty that had weighed on investor sentiment for months. Brokerages including Jefferies, Morgan Stanley and Citi stayed constructive, arguing that leadership clarity and strong quarterly business momentum could support a further re-rating.

5 min readRead →

Banking, Fintech & Insurance05 Oct 2026, 04:06 PM IST

HDFC Bank Names ICICI Veteran Anup Bagchi as New MD and CEO

HDFC Bank has appointed Anup Bagchi as its next Managing Director and Chief Executive Officer, with the transition set for October 27, following the end of Sashidhar Jagdishan’s term a day earlier. The Reserve Bank of India has cleared the appointment after its assessment, placing a long-serving ICICI Bank executive at the helm of India’s largest private-sector lender at a critical moment for the banking industry.

5 min readRead →

Banking, Fintech & Insurance04 Oct 2026, 11:50 PM IST

RBI Seeks Views on Anup Bagchi for HDFC Bank CEO Role Amid Banking Gap Concerns

The Reserve Bank of India is actively gathering feedback from regulators and industry peers on the possible appointment of Anup Bagchi as chief executive of HDFC Bank, according to people familiar with the matter. Bagchi, currently with ICICI Prudential Life, has emerged as a leading contender as the lender weighs succession options, even as his three-year absence from mainstream banking is drawing regulatory scrutiny.

5 min readRead →

Startups & Venture Capital04 Oct 2026, 09:59 PM IST

Why Virat Kohli Walked Away From a Rs 300 Crore Puma Deal to Back Abhishek Ganguly’s Agilitas

Virat Kohli’s decision to end a lucrative long-term association with Puma and align with Abhishek Ganguly’s Agilitas has become one of the most closely watched brand moves in India’s sportswear market. In a recent episode of the Prime Venture Partners Podcast, Ganguly outlined how he built Puma India, how Kohli’s one8 partnership took shape, and why Agilitas is being positioned as a new challenger in a sector dominated by global labels and rising domestic ambition.

6 min readRead →

Macro Economy & Fiscal Policy04 Oct 2026, 07:52 PM IST

Robinhood’s Stock Tokens Fuel a New Wave of Meme Trading

Robinhood’s temporary tokenized stock trading has intensified a fast-moving retail market in which memecoins and stock-linked tokens are increasingly traded side by side. The development, enabled under a limited regulatory window, is raising fresh questions about market structure, investor risk, and whether prices can remain anchored to the assets they purport to track.

4 min readRead →

Markets, IPOs & Wealth04 Oct 2026, 07:09 PM IST

Researchers Warn of AI Overreach as OpenAI Debate Roils Academia and Moneyview Prepares a Bumper IPO

A fresh dispute over OpenAI’s reported progress on a long-standing mathematics problem has reignited concern among researchers about premature claims of artificial intelligence breakthroughs. At the same time, India’s startup market is watching Moneyview’s expected blockbuster listing, a reminder that investor appetite remains strong even as scrutiny of technology narratives intensifies.

5 min readRead →

Banking, Fintech & Insurance04 Oct 2026, 05:46 PM IST

HDFC Bank Names ICICI Veteran Anup Bagchi as Managing Director and CEO

HDFC Bank has appointed Anup Bagchi, a long-serving ICICI Bank executive with deep experience across banking, insurance and financial services, as its new Managing Director and Chief Executive Officer. His appointment takes effect on October 27, succeeding Sashidhar Jagdishan, whose term ends a day earlier, after receiving Reserve Bank of India approval.

5 min readRead →

Banking, Fintech & Insurance04 Oct 2026, 04:44 PM IST

RBI Weighs Anup Bagchi for HDFC Bank Top Job, Seeks Regulator and Peer Feedback

The Reserve Bank of India is actively assessing Anup Bagchi as a potential chief executive for HDFC Bank and has sought views from the Insurance Regulatory and Development Authority of India and ICICI Bank on his candidature, according to people familiar with the matter. The review reflects regulatory caution over Bagchi’s three-year gap from mainstream banking, even as HDFC Bank has proposed Kaizad Bharucha for the role, a move that would require changes to existing tenure norms.

5 min readRead →

Banking, Fintech & Insurance04 Oct 2026, 04:03 PM IST

HDFC Bank Names ICICI Veteran Anup Bagchi as Next CEO, Signalling Continuity and Scale

HDFC Bank has appointed Anup Bagchi as managing director and chief executive officer, effective October 27, 2026, subject to regulatory and shareholder approvals. The Reserve Bank of India has cleared the appointment, and Bagchi will also join the board as an additional director. His return to banking after a three-year stint at ICICI Prudential Life Insurance comes at a pivotal moment for India’s largest private lender.

5 min readRead →

Banking, Fintech & Insurance04 Oct 2026, 01:56 PM IST

Anup Bagchi, ICICI Veteran of 34 Years, Set to Take Charge at HDFC Bank

Anup Bagchi, a long-serving ICICI Group executive with deep experience across retail and wholesale banking, is set to join HDFC Bank as managing director after receiving Reserve Bank of India approval. His appointment marks a significant leadership transition at India’s largest private lender, where continuity, execution and deposit mobilisation remain central priorities.

5 min readRead →

Banking, Fintech & Insurance04 Oct 2026, 07:39 AM IST

NCLT Admits Kotak Mahindra Bank Insolvency Plea Against Unity Realty

The National Company Law Tribunal has admitted Kotak Mahindra Bank’s insolvency petition against Unity Realty and Developers over an alleged default of ₹68.49 crore. The case stems from financial facilities linked to Unity Infraprojects, with Unity Realty acting as corporate guarantor, and now moves the matter into the formal insolvency resolution process.

5 min readRead →

Banking, Fintech & Insurance04 Oct 2026, 05:51 AM IST

ICICI Veteran Anup Bagchi Set to Lead HDFC Bank After RBI Approval

Anup Bagchi, a 34-year ICICI Group veteran known for his retail and wholesale banking leadership, is set to join HDFC Bank as managing director after receiving Reserve Bank of India approval. His appointment marks a significant leadership transition at India’s largest private lender, where continuity, execution and post-merger integration remain central priorities.

6 min readRead →

India Sports & Cricket04 Oct 2026, 05:30 AM IST

India’s Asian Games 2026 Medallists: Full List of Winners by Sport

India’s medal haul at the Aichi-Nagoya Asian Games 2026 has been compiled sport by sport, offering a clear view of where the country delivered and where its depth still needs work. The list underscores India’s broadening competitive base across Olympic and non-Olympic disciplines, while also highlighting the events that continue to anchor its continental ambitions.

5 min readRead →

National Governance & Policy04 Oct 2026, 04:28 AM IST

OpenAI’s Latest Model and Safety Reversal Sharpen India’s AI Governance Debate

OpenAI’s newest model launch, followed by the cancellation of an updated version over safety concerns, has intensified scrutiny of whether artificial intelligence is advancing faster than the institutions meant to govern it. In India, the episode is likely to accelerate debate over testing standards, accountability, and the limits of voluntary safeguards in a fast-moving technology race.

6 min readRead →

Macro Economy & Fiscal Policy04 Oct 2026, 03:05 AM IST

Tamil Nadu’s First Barrierless Multi-Lane Tolling System Goes Live at Paranur

Tamil Nadu has operationalised its first barrierless multi-lane free flow tolling system at Paranur on the Tambaram–Tindivanam section of NH-179B, marking a notable shift in highway fee collection and traffic management. The deployment places the state among the early adopters of a more automated tolling model designed to reduce congestion, improve throughput and align with national efforts to modernise road infrastructure.

5 min readRead →

Banking, Fintech & Insurance04 Oct 2026, 01:18 AM IST

RBI Seeks External Views on Anup Bagchi for HDFC Bank CEO Role Amid Banking Gap Concerns

The Reserve Bank of India is actively sounding out regulators and market participants on the possible elevation of Anup Bagchi to the top job at HDFC Bank, according to people familiar with the matter. The consultation reflects the central bank’s caution over Bagchi’s three-year absence from mainstream banking, even as he emerges as the leading contender for one of India’s most closely watched financial appointments.

5 min readRead →

National Governance & Policy03 Oct 2026, 10:33 PM IST

Congress Workers Allege Bulk Form-7 Filings in Koppa Taluk, Raising Questions Over Voter Roll Integrity

Congress workers in Koppa taluk have alleged that Form-7 applications were filed in bulk, triggering fresh concerns over the integrity of the electoral roll process in the region. The complaint adds to a wider national debate over voter list management, administrative scrutiny, and the potential misuse of deletion requests ahead of future elections.

6 min readRead →

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Co-Occurring Entities

Entities frequently referenced alongside HDFC Bank:

New Delhi(93)Anup Bagchi(69)India(63)Reserve Bank of India(48)ICICI Bank(47)Sashidhar Jagdishan(34)