E-NEWSLETTER Edi�on - Jan’20 (Oct19-Dec19)

Milestones Achievements & Latest UpdatesThe biggest achievement of this quarter is delinking of tech and opera�on support services from CoinTribe and development and implementa�on of Kanika’s own LMS. Kanika team has worked day and night with a single mandate to make the system up and running in the shortest possible �me and deserves applaud for the exemplary team work. Due credit also goes to Dalmia SAP team to provide crucial support at every stage of development and implementa�on of LMS. We could not have imagined the system up and running without their support.In the past 3 months, we have gone through a rough weather and have faced challenges from all fronts – be it migra�on of data from CoinTribe to our system, development related issues with Birlaso� or tech tethering issues post go-live. This has impacted our ability to serve the dealers in the past 2 months but we have now almost stabilized the system and quickly coming out of the infancy stage of LMS. A snapshot of the state-wise dealer onboarding in this quarter is summarized in the chart below:

While delinking services from CoinTribe will certainly decrease our opera�onal cost and aid in improving the bo�om line, the

other important areas that s�ll need our a�en�on, includes – increase in dealer base and por�olio outstanding, recovery of

overdues from dealers in 30 days and beyond and customer service.

To increase the dealer base and por�olio outstanding, we are opening two new markets in West & South, par�cularly Kolhapur

and Belgaum. We have aligned all stakeholders and obtained the buy-in of DCBL sales/accounts team. The program has also

been well received by the dealers and we are quite hopeful of extending our presence in other parts of South and West region.

We should be able to see the results from the next quarter onwards.

News and Update

Recovery and follow-up of dues, par�cularly collec�on of delinquent OPL EMIs/recovery of LAS o/s in 30+days category is

another area where we need to focus our energies collec�vely. This will improve KIL’s profitability as also help the dealers to

maintain credibility and increase the sales volume by u�lizing the freed-up credit limits.

Customer service has been one of the important pillars of our program. However, it requires further strengthening and

alignment with sales team and dealers’ expecta�on. Team needs to work towards increasing our visibility and communica�on by

making telephonic calls, dealer counter visits, �mely resolving issues and circula�ng the feedback/findings to all stakeholders.

Dalmia Cement (Bharat) Limited, India's leading cement company for over eight decades, unveiled a new brand iden�ty and

posi�oning through a na�onal marke�ng campaign. The new posi�oning, 'Future Today' recognizes Dalmia Cement’s

technological innova�on in manufacturing cement and its pioneering efforts in na�on building.

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Post delinking from CoinTribe, our sales and back office team in the field have to make best use of resources including IVR system

and customized reports accessible from LMS for improving customer service.

Dalmia Cement (Bharat) Limited and Carbon Clean Solu�ons team up to build cement industry's largest Carbon Capture

plant. Dalmia Cement emerges as the first cement compaany in the world to commit to becoming 'Carbon Nega�ve by 2040'

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New Employees in Kanika Family

Ankita Gupta

Execu�ve – Customer Rela�ons

(Ranchi Office)

Ricky Srivastav

Senior Execu�ve – Customer Rela�ons

(Siliguri Office)

Birthday Celebra�on in this Quarter

Kanika wishes happy birthday to:

Oct’19 - Mohit Pareek

Nov’19 - Akansha Shrivastava, Bhaskar, Amarpreet Singh

Dec’19 - Kumari Deepmala, Abhishek Sharma

Dalmia Bharat Founda�on (DBF), the Corporate Social Responsibility (CSR) arm of Dalmia Bharat Group completed 10

years of opera�ons in the country. Since incep�on, Dalmia Bharat Founda�on has been commi�ed towards the

sustainability of the community. With a vision and mission of crea�ng opportunity for every stakeholder to reach their

poten�al and to facilitate the stakeholders hasten their social, economic and environmental progress through effec�ve

management of human and natural capital, Dalmia Bharat Founda�on has ini�ated all their projects with par�cipa�on of

Training ProgramTo make work environment safe and be�er place to work, Dalmia team had conducted emergency response team training and

fire drill at Noida office. ERTs were trained to respond to any emergency incident in super quick �me to ensure that all Man and

Machine resources are safe and secure. Training was to make them equipped to take the necessary care �ll the rescue

team/medical help arrives in case of an emergency.

Rajesh and Rohini from Kanika had a�ended the training and are now in Dalmia Emergency Response Team.

Ravinder Singh Yadav

Assistant Manager – Opera�ons

(Noida Office)

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Durga Pooja Celebra�on

Events at Kanika

Durga Puja is a celebra�on of the Goddess Durga and the biggest fes�val of the year in Kolkata, India. In Kolkata office

employees celebrated Durga pooja by par�cipa�ng in different ac�vi�es and flaun�ng their best of tradi�onal a�re. In Noida

office employees followed 9 auspicious colours for 9 days of Navratri.

“Durga Puja or Navratri is not only the most pious celebra�on of the Hindus, but also is the biggest fes�val of Bengal and is

celebrated widely across the country. Every single individual of the land; builds up high hopes throughout the year for its

celebra�on in their own terms. During one such Durga puja just before the celebra�on begins in Bengal with its flying colours, I

had to visit interiors of Kharagpur to meet a dealer there. As I was passing by the roads, I could easily feel the essence of the

upcoming celebra�on not only to the decorated pandals which was just a few touch away from being ready, but also from the

fragments of the nature, from the long white weed flowers who were swaying their heads joyously with the happy gale!” -

Abhijit Das(AM-Customer Rela�on).

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Color Code - White Color Code - Red

Color Code - Yel low Color Code - Green Color Code - Gray

While the world celebrates Women's Day with great

pomp and celebra�ons, Interna�onal Men's Day,

celebrated on November 19, passes off a li�le

quietly. We at Kanika also appreciate our male

employees for their contribu�on in our company and

society by celebra�ng Mens Day. The annual

celebra�on of Interna�onal Men's Day on November

19 is for a global concern for problems related to men

that affect families and the rest of society.

Men’s Day Celebra�on

Diwali Celebra�on

The fes�val of lights was celebrated with great fervor. Everyone was in their tradi�onal best followed with Diwali Pooja. It was a spectacular show with Gi�s, Sweets & Wishes.

Karwa Chauth

Karwa Chauth, one of many Hindu fes�vals, is a fas�ng rituals observed by all married Hindu women who seek the longevity, prosperity and well- being of their husbands. This fes�val is very popular amongst married Hindu women in the western and northern parts of India, primarily in Punjab, Rajasthan, Haryana, Gujarat and U�ar Pradesh.In Dalmia, mehndi,gi�s ,snacks and some fun games were organized for the female employees to make their day special.

Christmas Celebra�on

Christmas was celebrated with much joy and enthusiasm where HR has organized games and it was funfilled celebra�on.Office was beau�fully decorated with Christmas tree and crib and it was wonderful to see employees in red and white with Christmas caps on.

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Photo Contest- Winners

All the entries shared by par�cipants are amazing (Theme- Street Photography). It was really difficult to choose the best

as all were beau�ful in its own way.

We are sharing the three winning entries…

01�� PrizeBhaskar

nd02 PrizeAkansha Shrivastava

rd03 PrizeAman Saxena

Do you have any pet at home? Do you ever have ? Have you ever heard of ‘PET THERAPY’? A pet,or companion animal is an

animal kept primarily for a person’s company,entertainment or as an act of compassion. It is widely believed among the

public and among many scien�sts that pets probably bring mental and physical health benefits to their owners.

This �me share your best click of your pet and picture displaying Man-Animal love and win prizes.

Share best of your clicks with us to get published in the next edi�on. (Mul�ple entries are not allowed)

Submit your entries by 15.03.2020 to hr@kanikainvestment.com

Next Photo Contest - Pet Love/ Animal Love

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Winners of Crea�ve Corner are -Lights of Eternity – An experience of Ganga-Ar�, at Varanasi- Avik Bha�acharjee (Regional Manager –BD)

They say, it is God’s Home, they say it is where people find their Moksha, they say Lord Shiva and Goddess Parvathi bathed in

this ageless streams, and they lost their precious Mani (Jewel) that created this never ending flames of Manikarnika. The sky is

never such blue as it is today, and the beliefs that mankind has harnessed from �me immemorial has lighten up the structures

on the shore like a golden chain, that comes to life every evening for which spectators from across the seven seas flock

together upon this holy water of – The Ganges. These are the Ghats of Varanasi, where even this holy river changes its course

from south to north, merging itself with Varuna and Assi rivers.

The sailor, with his empty boat anchored to the shore was wai�ng for visitors to fill in and earn his evening trip. The path we

were supposed to cover by boat can also be reached by walking, but we missed no chance to take our place in the primi�ve

transport. As if an explorer on a voyage to find the truth behind the belief. It took the test of our pa�ence to fill the en�re boat

with travelers who are equally interested to experience the ‘Ganga Aar�’. Suddenly, while wai�ng, a small girl approached us.

She was selling small candles placed over a paper plate to flow over the holy river. Without knowing the actual purpose of this,

I gave her some twenty bucks and bought what she was offering. To the man seated beside me, she approached to sell

something that the man is supposed to throw to the river. My colleague, Amar, who actually inspired me to come today,

explained that those are food for the fishes. In Hinduism they believe, that ‘Bhagirath’ the incarna�on of Lord Vishnu, who

took ‘Matsa-avatar’ a fish-form of god to bring the river Ganges from the ‘Kailash’ to enliven this civiliza�on, geographically a

far north. place amidst Himalayas. The lamps she gave me were actually to float over the river as an offering to our forefather

who are believed to be s�ll roaming over the horizon of the river in their Soul form..

Courtesy: Avik Bha�acharjee

As we set in, the glance of the glory began. Age old structures created by the Kings and Queens and wealthy Pious Hindus are

s�ll making their statements clear – that they believed. The touch of modern ligh�ngs, interplay of light and darkness, and their

silhoue�e domes are evoca�ng divine bliss with a pinch of mystery. History has been maintained by caring hands of religion,

strong discipline and lots and lots of Belief handed down in tradi�ons. There are more Ghats any man can memorize them,

each one has its name. Each one has different purposes to be used for different rituals and Hindu custom. Our boat gradually

approached near to Dashashamedh Ghat, the greatest of all the Ghats available here. Although our boatman tried his boat as

proximal to the Ghat, s�ll due to too many such boats gathered at a single place it hardly able to do so. The chants of the priests

were coiling upwards with the fumes of the flames of the lamps and their incense s�cks were contribu�ng to the ambience of a

supreme holiness, and the serenity of greatest Holy River were reflec�ng those back to the faces of the thousands of devout

people crea�ng a supernatural aroura.

The prayers are made, as it is believed, the lamps invokes the power of the deity ‘Maa Ganga’ into themselves and therefore

spread the chas�ty and serenity among all the mankind. It touched us, like all other, to flow with the winds that was bending

the flames of the thousand lamps with the similar reverbera�on. It is a wonderful spectacle, must be experienced at least once

in life�me, to understand the ageless progression of �me and human civiliza�on walking together on the basis of their strong

belief system, religiousness and sanc�ty. All things are neatly weaved to create bonding among people to gather together,

either in this life or in their a�erlife, if you believe any such things exist at all. Manikarnika Ghat, the crematorium ghat of

Varanasi, s�ll fuming with flames, burning this earthly bodies and releasing the Souls in the air to be one with the supremacy.

This is never ending circle of life, like the �dal waves of the river Ganges, which brought us to see her glorifica�on, the same �de

bringing us down from where we have started.

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Let’s Talk About It ( Mental Health) - Akansha Shrivastava ( Senior Manager - HR)

Mental Health – How frequently we talk about it

Talking about mental health is considered a taboo by most people,

with individuals hesita�ng to talk about their or someone else's

condi�on and even discouraging each other from talking about

mental health concerns. Caring about and maintaining our mental

health is as important as our physical health. Your mental health

influences how you think, feel, and behave in daily life. It also affects

your ability to cope with stress, overcome challenges, build

rela�onships, and recover from life’s setbacks and hardships.

Mental health includes our emo�onal, psychological, and social well-being. It helps us to determine how we handle stress,

relate to others, and make choices.

One in four people in the world will be affected by mental or neurological disorders at some point in their lives. Around 450

million people currently suffer from such condi�ons, placing mental disorders among the leading causes of ill-health and

disability worldwide, as per WHO report.

Treatments are available, but nearly two-thirds of people with a known mental disorder never seek help from a health

professional. Without avenues for expression or conversa�on, many people suffer in silence, failing to receive the support and

tools they need to live healthy and sa�sfying lives.

How to boost your mental health

Anyone can suffer from mental or emo�onal health problems—and over a life�me most of us will. We ignore the emo�onal

messages that tell us something is wrong and try toughing it out by distrac�ng ourselves or self-medica�ng with alcohol,

drugs, or self-destruc�ve behaviours. We bo�le up our problems in the hope that others won’t no�ce. We hope that our

situa�on will eventually improve on its own.

There are prac�ces you can adopt to elevate your mood, become more resilient, and enjoy life more. But just as it requires

effort to build and maintain physical health, so it is with mental health. Sharing some effec�ve ways-

1) Make social connec�on a priority especially face to face despite your busy schedule, e.g call a friend, join different

groups, and learn new skills.

2) Exercise – Staying ac�ve is good for brain, physical work release endorphins, and powerful chemical to moodbooster.

3) Learn how to keep your stress level in check

4) Healthy diet to support mental health, eg nuts, beans, fruits, wholesome diet, low in sugar and rich in healthy fat.

5) Ge�ng enough sleep is necessity and not a luxury6) Engaging yourself in meaningful work7) Also don’t hesitate to take professional help when in need.

NEED OF THE HOUR

Lack of sensi�vity could become another major obstacle in the path to reaching out for help. Worries or fears about being

misjudged, not being listened to or apprehensions of one’s trust being betrayed, as well as feelings of shame or guilt, are typical

reac�ons, which can further be compounded by the lack of understanding and awareness amongst members of the society.

"Therefore, it is our societal responsibility to create sensi�zed awareness and educa�on, thereby encouraging more recep�vity

as well as a sensi�ve and genuine understanding of mental health related concerns.

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Crea�ve corner is again open for our new entrants in coming quater.

Share your ar�cles/poem/personal experinces/travelogue etc. to be included in the next edi�on of Kanika’s News Le�er. The

best ar�cle will be awarded a cash prize of Rs. 500/- each.

Submit your entries by 15.03.2020 to hr@kanikainvestment.com

Crea�ve Corner (Win Cash Prizes)

Tell us what you think

Write for your Comments & Suggestions to-hr@kanikainvestment.com

Kanika Editorial Team