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Current MSME Schemes for Entrepreneurs

by Sapna Garg

A recent report by the Ministry of MSME (https://msme.gov.in/) reveals a staggering 50 million micro and small enterprises (MSEs) operating within the country, playing a vital role in India’s economic growth.
India’s urban centers are teeming with aspiring entrepreneurs.

Despite this promising spirit, budding urban businesses face significant challenges. Securing funding to launch their ventures and navigating the labyrinthine world of regulations can be major roadblocks.

Thankfully, the Micro, Small and Medium Enterprises (MSME) schemes implemented by the Indian government offer a vital support system. These schemes provide financial aid, simplify access to credit, and streamline regulatory procedures, empowering urban entrepreneurs to bridge the gap between their dreams and a flourishing business.

Understanding MSMEs

Understanding the MSME Backbone

MSMEs, categorized based on their investment in plant & machinery/equipment and annual turnover, are the bedrock of the Indian economy.
  • Micro Enterprises: Defined as businesses with investment up to ₹1 Crore and turnover up to ₹5 Crore.
  • Small Enterprises: Investment limit lies between ₹1 Crore and ₹10 Crore, while turnover falls within the range of ₹5 Crore and ₹50 Crore.
  • Medium Enterprises: Have an investment limit of up to ₹20 Crore and a turnover limit of up to ₹100 Crore (further revised to ₹50 Crore investment and ₹250 Crore turnover).

Key Data

  • Employment Generation: MSMEs employ over 60 million individuals through over 26 million enterprises, fostering inclusive economic development. View Source
  • GDP Contribution: MSMEs account for almost 30% of India’s GDP, highlighting their crucial role in driving the national economy.View Source
Therefore, supporting MSMEs translates to empowering the economic engine of India, particularly in urban landscapes where these enterprises thrive and contribute immensely.

10 Must-Know Govt Schemes to Boost Your MSME

1. Prime Minister Employment Generation Programme (PMEGP)

  • What is PMEGP?
    The Prime Minister’s Employment Generation Programme (PMEGP) is a government initiative designed to give you a financial boost if you’re looking to launch a new business.
  • Who Manages It?
    The Khadi and Village Industries Commission (KVIC) oversees PMEGP at the national level. They work with various state-level agencies like District Industries Centres (DICs) and banks to make the process easier for you.
  • How Much Support Can I Get?
    The government can contribute up to:
    • ₹25 lakhs: for businesses involved in manufacturing.
    • ₹10 lakhs: for businesses in the service sector.
  • Subsidy Bonus:You may qualify for a higher subsidy depending on your location and background.
    • General applicants:15% subsidy in urban areas.
      25% subsidy in rural areas.
    • Special categories: Up to 25% subsidy in urban areas.
      Up to 35% subsidy in rural areas.
      ( This includes groups like SC/ST, women, and ex-servicemen.)
  • Who Can Apply?
    • Anyone above 18 years old can apply.
      ( You’ll need to have passed at least 8th standard for projects costing over ₹5 lakh in the service sector and over ₹10 lakh in manufacturing.)
    • Self-help groups, registered institutions, and charitable trusts can also apply.
  • How Do I Apply?
    • Submit Your application online at https://www.kviconline.gov.in/pmegpeportal/pmegphome/index.jsp Click Here
    • Take the printout of the application and
    • submit your application with project details and documents to your State/Divisional Director of KVIC.
  • Who Are Not Eligible?

    Businesses already established under previous schemes or those that have received government subsidies before cannot apply.

  • Need More Info?

    Contact your State Director, KVIC, or the Dy. CEO (PMEGP) in Mumbai for further details and assistance.

PMEGP aims to empower individuals like you to become entrepreneurs by offering financial support and encouraging business creation across the country.

2. Credit Guarantee Trust Fund for Micro & Small Enterprises (CGT SME)

  • What is CGT SME? The Credit Guarantee Trust Fund for Micro & Small Enterprises (CGT SME) is a game-changer for small businesses in India. It’s a government scheme that helps them get loans without needing collateral, making it easier to access funds for growth and expansion.
  • Who Manages It? Backed by the Government: Established by the Ministry of MSME and SIDBI, CGT SME acts as a safety net for banks.
    • Guarantee for Banks: If a borrower defaults on the loan, the Trust Fund covers up to 75% of the amount, reducing the risk for banks and encouraging them to lend.
    • Collateral-Free Loans: Businesses can get loans up to ₹100 lakh without putting up any assets as security.
  • Who Can ApplyExisting and New Businesses: Both established and aspiring micro and small enterprises are eligible to apply.
  • How Do I Apply?To apply for the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme, you can follow these essential steps:
    • Identify a Participating Financial Institution (PFI): First, identify a financial institution that participates in the CGTMSE scheme, such as a bank or Non-Banking Financial Company (NBFC), to apply for the loan.
    • Compile Necessary Documentation: Gather all the required documentation as specified by the chosen financial institution. This usually includes business plans, financial statements, and any other specific documents tailored to the lending institution’s requirements.
    • Submit Application: Submit your loan application, along with the necessary documentation, to the selected financial institution. Ensure that you meet all eligibility criteria outlined by the lending institution and the CGTMSE scheme.
    • Evaluation and Approval: The financial institution will evaluate your loan application, assess the feasibility of your business plan, and verify your eligibility for the CGTMSE scheme. If approved, your loan application will move forward.
    • CGTMSE Guarantee: Upon approval, the financial institution will apply for a guarantee cover from the CGTMSE for the sanctioned loan amount. This guarantee mitigates the institution’s risk, increasing the likelihood of approval.
    • Loan Disbursement: Once the guarantee is in place and all necessary requirements are met, the financial institution disburses the loan amount to your business.
  • How to Repay Loan?

    Repay the loan as per the agreed-upon terms and conditions.

  • What Documents are Required ?The specific documentation required for a CGTMSE loan application can vary depending on the lending institution and the nature of your business. However, common documents may include:-
    • Business plan and project report
    • KYC documents of the business owners
    • Proof of business ownership
    • Financial statements and projections
    • Business registration and licenses
    • Income Tax Returns
    • Bank statements
    • Any additional documents specified by the lending institution
  • Need More Details?

    Website: Visit the official website of CGTMSE for more details.

It’s important to note that the process of obtaining a loan under the CGTMSE scheme may vary slightly depending on the policies and procedures of the specific financial institution you choose. Therefore, it is advisable to engage directly with the chosen financial institution to understand their specific application process and requirements.

3. Micro & Small Enterprises Cluster Development Programme (MSE-CDP)

  • What is MSE-CDP? The Micro & Small Enterprises Cluster Development Programme (MSE-CDP) is a government initiative designed to empower small businesses (Micro and Small Enterprises, or MSEs) in India.
  • What is the Goal?This program aims to:
    • Promote eco-friendly manufacturing: Encourage the use of sustainable technologies to reduce environmental impact.
    • Expand market reach: Help businesses connect with more customers and increase sales.
    • Enhance skills and quality: Provide training and resources to improve the skills of the workforce and ensure high-quality products.
    • Develop infrastructure: Create essential facilities within existing industrial areas where small businesses are clustered.
  • What Are The Benefits?
    • Common Facility Centers (CFCs): These shared facilities provide equipment, services, and resources that individual small businesses might not be able to afford on their own. This includes “Plug & Play Facilities” that are ready-to-use workspaces.
    • Support for specialized infrastructure: The program helps establish Flatted Factory Complexes (multi-story buildings for multiple businesses) and develop essential infrastructure like drainage, power lines, and roads within industrial areas.
  • Who Can Apply?Existing entrepreneurs operating as a Special Purpose Vehicle (SPV), a legal entity created specifically for this project, can apply.
  • What DO I Get?The government provides substantial financial support:
    • Up to 80% of the project cost for Common Facility Centers, capped at a maximum of ₹30 crore. This covers building facilities like processing centers, testing labs, and design centers.
    • Up to 70% of the cost for Infrastructure Development projects, limited to a maximum of ₹15 crore. This helps develop essential infrastructure like roads and utilities in industrial areas.
  • How to Apply? Online applications can be filled at https://cluster.dcmsme.gov.in
  • Need More Details?
  • This program focuses on supporting existing clusters of small businesses.
    The government provides significant financial aid to help businesses overcome infrastructure and resource limitations.
  • Participation requires operating as a Special Purpose Vehicle.
  • By offering financial support and fostering collaboration, the MSE-CDP empowers small businesses to compete more effectively, contribute to a greener economy, and ultimately achieve sustainable growth.

4. 2nd Loan for PMEGP/MUDRA Units

  • What is 2nd Loan for PMEGP/MUDRA Units?

    The scheme aims at providing existing units with upgradation assistance regarding expansion, whereas financial assistance to the well set-up performing units.

  • What Are The Key Benefits:?
    • Maximum subsidy allowance would be 15% of the total project cost (and 20% for Hill States and NER).
    • The financing banks will provide the term loans as the balance amounts of the total project cost.
  • Scheme Applicable For?

    Existing and well-accomplished PMEGP/MUDRA units.

  • Who Can Apply? Existing entrepreneurs operating as a Special Purpose Vehicle (SPV), a legal entity created specifically for this project, can apply.
  • What DO I Get?
    • Financial assistance schemes will enable the present PMEGP/MUDRA units towards upgradations and expansions for Service/ Trading units from the year 2018-19.
    • Maximum cost of projects for upgradation under Service/Trading sector INR 25.00 lakh and INR 1.00 crore for the manufacturing sector.
    • Maximum subsidy is 15% of the project and 20% of the Hill states and NER i.e. INR 15.00 lakh for Non-NER and INR 20.00 Lakh for Hill states and NER.
    •  Present units which have been financed under PMEGP/MUDRA Scheme whose margin money claims have been addressed and the first loan availed has been repaid in stated time also qualify for these benefits.
    •  The 2nd loan should further give growth to opportunities and employment generation.
  • How To Apply? The beneficiaries must apply by filling an application form on PMEGP e-Portal to submit the application under the 2nd loan for up-gradation. Click Here
  • Need More Details? Read the final guidelines for 2nd Loan by MSME –  Click Here

5. Entrepreneurship and Skill Development Programme (ESDP)

  • What is Entrepreneurship and Skill Development Programme (ESDP)? The scheme aims to promote new enterprises and enable and facilitate capacity building of the existing MSMEs. It also aims to promote and inculcate entrepreneurial culture in the country.
  • What is the Goal?The scheme aims to expand the base of entrepreneurship through skill development and providing motivation for self-employment and entrepreneurial skill.
  • What Are The Benefits?
    • The scheme motivates different sections of the society such as SC, ST, women, differently abled, ex-servicemen, and people belonging to the BPL category to take up entrepreneurship as a career option.
    • It provides skill training in various industries and management capacity building training.
  • Who Can Apply? It is applicable for all aspiring and existing entrepreneurs.
  • How to Apply? Please contact nearby MSME Development Institute, MSME-Technology Centre.
  • Need More Details? Addresses and contact details of these organizations are available on Web Portal: http://www.dcmsme.gov.in/contacts.htm Click Here 

6. Procurement and Marketing Support Scheme (P&MS)

  • What is Procurement and Marketing Support Scheme (P&MS)?
    The scheme aims at developing the marketability of services and products in the MSME sector by promoting new market access initiatives like organizing/participation in National/International Trade Fairs/Exhibitions/MSME Expo etc and promoting access initiatives and awareness about various marketing relevant topics.
  • Key Benefits
    • Involvement of Individual MSEs in domestic Exhibition/Trade Fair
    • Developing capacity of MSMEs in Development of Marketing Haats, adoption of modern packaging technique, bar code, and e-commerce platform
  • Who Can Apply?
    Manufacturing / Service sector MSEs registered at Udyog Aadhaar Memorandum (UAM) Portal.
  • How Do I Apply?
    To apply for the Procurement and Marketing Support Scheme (P&MS), eligible individual Manufacturing/Service MSEs can follow the below steps:
    • Prepare the necessary documents and information as per the scheme guidelines.
    • Submit your application online through the designated system.
    • Contact the Joint Development Commissioner at the Office of the Development Commissioner, MSME, Nirman Bhawan, New Delhi, for any specific queries or assistance.
    • You can reach out to them at Tel.: 011-23061091 or Email: [email protected]
    • Download the scheme guidelines for detailed information on the application process and eligibility criteria.
    • Ensure compliance with the eligibility requirements and submission guidelines outlined in the scheme to facilitate a smooth application process.
Please be clear on what you would like to apply for. Are you looking to apply for participation in domestic trade fairs/exhibitions, seeking reimbursement under the Packaging Consultancy, or perhaps something else related to the MSME sector?

7. International Cooperation (IC) Scheme

Therefore, supporting MSMEs translates to empowering the economic engine of India, particularly in urban landscapes where these enterprises thrive and contribute immensely.
  • What is International Cooperation (IC) Scheme? The scheme aims at capacity building MSMEs for entering the export market by facilitating their participation in international exhibitions, fairs, conferences, seminars, and buyer-seller meets abroad.
  • What Do I Get?It provides actionable market intelligence and reimbursement of various costs involved in exporting goods and services.
  • What Are The Key Benefits
    • The scheme covers sub-components including Market Development Assistance of MSMEs, Capacity Building of First Time MSE Exporters, and Framework for International Market Intelligence Dissemination.
    • It provides opportunities for MSMEs to continuously update themselves to meet the challenges emerging from changes in technology, demand, and new markets.
  • Scheme Applicable For?
    Under Sub Component I, it is applicable for Ministry of MSME, organizations under the Ministry, State/Central Government Organizations/Institutions, and Registered Industry/Enterprise Associations, etc.
  • How to Apply?
    To apply for the International Cooperation Scheme, you can follow these steps:
  • Visit the IC Scheme portal at https://ic.msme.gov.in
  • On the portal, you can find the application process and guidelines for availing financial assistance under the scheme.
  • Review the scheme guidelines (English) which can be downloaded from the portal for detailed information.
  • Prepare the necessary documentation as per the scheme guidelines.
  • Submit your application through the online application system available on the IC Scheme portal.
  • Ensure that you adhere to the eligibility criteria and provide all required details as per the scheme guidelines during the application process.
  • Need More Information?
    If you have any specific queries or require further assistance, you can reach out to the Under Secretary (IC) at the Ministry of MSME. Their contact information is as follows: Phone: 011-23063219 Email: [email protected]
  • Participation of MSME delegations in international exhibitions, trade fairs, and buyer-seller meets in foreign countries in physical and virtual modes.
  • Organizing international conferences, summits, workshops, and seminars on relevant themes for the MSME sector in physical and virtual modes.
  • Organizing mega international conferences, summits, workshops, seminars, and bilateral/multilateral Government to Government Events in India by Ministry of MSME and its organizations solely or in partnership with industry associations for the promotion of the MSME sector.

8. Digital MSME Scheme

  • What is Digital MSME Scheme?
    • The scheme aims to make MSMEs digitally empowered and encourage them to adopt ICT tools and applications in their production and business processes.
    • It is designed to improve the competitiveness of MSMEs in both national and international markets.
  • Scheme Applicable For:

    The scheme is applicable for all MSMEs registered under the MSME Act 2006, including those included as per executive orders issued by the Office of DC (MSME) consistent with the MSME Act.

  • How to Apply:?– MSMEs can apply for the scheme through the guidelines available at http://www.dcmsme.gov.in/schemes/DigitalMSME-Guideline-CLCS-TUS-2019-2020.pdf
  • Need More Information?For further assistance: contact Sh Vinamra Mishra, Director at [email protected] or call 23061756.
It aims to support MSMEs in adopting Information Communication Technology tools and applications in their production and business processes.

9. Credit Guarantee Scheme for Subordinate Debt (CGSSD) for Stressed MSMEs

  • What is Credit Guarantee Scheme for Subordinate Debt (CGSSD) for Stressed MSMEs?
    • The Scheme is launched to support stressed MSMEs. It Provides guarantee coverage to Member Lending Institution for infusion of sub-debt in the business
  • Salient Features of the Scheme:
    • Credit facility for Promoters of MSME units
    • 90% Guarantee coverage from CGTMSE and 10% from the concerned promoter(s) for subordinate debt support
  • Eligibility Criteria:
    • MLIs registered under CGS-I are eligible
    • Promoters of stressed MSME units, both SMA-2 and NPA accounts, are eligible
  • Tenure & Moratorium:
    • Credit facility tenure based on debt serviceability assessment
    • Maximum moratorium of 7 years on payment of principal amount
  • How to Apply? To apply for the Scheme supporting stressed MSMEs, you can follow these general steps:
    • Contact the CGTMSE Support:
      • Email [email protected]
      • Phone: 022 67531293 / 67221477 / 67531189 or Mobile: 9321702104
    • Understand the Scheme: Review the salient features and eligibility criteria outlined by CGTMSE for the Scheme to ensure your business and circumstances align with the requirements.
    • Prepare Documentation: Obtain and review the necessary scheme documents and undertaking as provided by CGTMSE.
    • Approach MLIs: Reach out to selected Member Lending Institutions (MLIs) registered under CGS-I to discuss the application process and to assess your eligibility.
    • Application Submission: Submit the required application forms and documents as per the specific requirements of the MLIs participating in the Scheme.
    • Follow Up: Keep in touch with the MLIs and ensure all necessary documentation and information are provided promptly.
Please note that these are general steps and the specific application process may vary. It’s recommended to directly reach out to CGTMSE and the MLIs for detailed guidance specific to your situation and to ensure a smooth application process.

10. Lean Manufacturing Competitiveness Scheme (LMCS) for MSMEs

  • What is Lean Manufacturing Competitiveness Scheme (LMCS) for MSMEs
    • LMCS assists MSMEs in reducing manufacturing costs through various techniques like personnel management, space utilization, and inventory management.
    •  Improvement in product quality and cost reduction are crucial for competing in national and international markets.
  • What is LMCS Objective?
    • LMCS aims to enhance manufacturing competitiveness in the MSME Sector by applying Lean Techniques like TPM, 5S, JIT, and others to eliminate waste and streamline processes.
    • Worker empowerment is a key focus to ensure process flow improvement across the system.
  • LMCS Implementation:
    • Engagement of Lean Manufacturing Consultants to assess existing systems and provide step-by-step procedures for implementing lean techniques.
    • Formation of Special Purpose Vehicles in Mini Clusters and a three-tier implementing structure for effective monitoring and facilitation.
  • How to Apply? To apply for the Lean Manufacturing Competitiveness Scheme (LMCS) for Micro, Small, and Medium Enterprises (MSMEs), interested industry associations or groups of approximately 10 MSME units that qualify under the MSME Development Act, 2006 can submit an application in the prescribed format to the National Productivity Council (NPC) at
    • Utpadakta Bhawan, Lodhi Road, New Delhi 110003.
  • Need More Information? For further information and clarification, you can contact:
    • 1. Mr. Subrata Pal, Director, National Productivity Council (NPC), Mobile: 9953 850301, Phone: 011 24607316.
    • 2. Mr. Jaipal Singh, Deputy Director, Office of the DC(MSME), Phone: 011 23061461.This information should help you get started with the application process.
Additionally, the Scheme provides financial support by the Government of India of up to a maximum of 80% of the consultant fees for each Mini Cluster. The remaining 20% is to be borne by the beneficiary MSME units.
Related Post

Chasing Your Urban Entrepreneurial Dream: The MSME Advantage

In conclusion, MSME schemes serve as a springboard for aspiring urban entrepreneurs. By leveraging these schemes, urban entrepreneurs gain a significant advantage in navigating the initial challenges of establishing their businesses.

The MSME framework empowers you to transform your urban dream into a thriving reality

We encourage you to explore the plethora of schemes offered by the government and seek guidance from MSME officials or financial advisors to identify the program that best suits your specific venture.

Remember, a well-informed approach coupled with the support of MSME schemes significantly increases your chances of success in the dynamic urban market. So, take the first step, explore the available resources, and embark on your entrepreneurial journey with confidence.

Article Contribution by – Devika Kovachi & Sapna Garg

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Sapna Garg
With my extensive experience in website management, proficiency in WordPress handling, linguistic expertise, research skills, and ability to develop SEO-friendly content, I am well-equipped to deliver high-quality and impactful content that meets your specific requirements.

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COMMUNITY POSTING GUIDELINES

At HEN India, we believe that everyone deserves the opportunity to transform their lives. In the spirit of community, we strive to maintain tolerance, equality and respect. The Internet has opened up a world of opportunity that humanity has never seen before. However, the Internet also gives people the means to insult or harass others without taking full responsibility for their words. We insist that while you are on HEN India, you respect the people you encounter, as well as their opinions. You are free to disagree, state your own opinion and provide critical feedback, but please keep it respectful. Please respect other members’ beliefs, and consider your impact on others when making your contribution. If you cannot conduct yourself in a respectful manner, we reserve the right to remove comments. In extreme cases, we reserve the right to disable the ability to comment.

We understand that many of our topics are controversial, and we fully support debate. However, we won’t allow misrepresentation of our brand, show hosts, show guests or any HEN India-affiliated talent to be published on our site. We reserve the right to determine what is a constructive argument and what is a smear tactic.

Our comment sections are dedicated to discussion about the content. If you are experiencing a technical issue accessing content, please contact customer service directly at [email protected]. Technical problems posted in the comment section will be deleted once the problem is addressed. If a hyperlink to an external site is posted, we reserve the right to remove the hyperlink, or remove the comment entirely.

ANTI SPAM POLICY

At HEN India we are 100% against spam and unsolicited emails. We do not sell or provide email addresses to any unauthorized third party and do not authorize any third party or affiliate to misuse products or services created by or associated with HEN India in spam or bulk emails. If you feel you have received any unwanted emails from us, please contact us immediately and we will look into the matter. HEN India prohibits the use of their website and/or services in any manner associated with the transmission, distribution or delivery of any unsolicited bulk or unsolicited commercial e-mail (“Spam”). You may not use any HEN India services to send Spam. You also may not deliver Spam or cause Spam to be delivered to any customers of HEN India.

HEN India does not authorize the harvesting, mining or collection of e-mail addresses or other information from or through the website or its services. HEN India does not permit or authorize others to use the HEN India services to collect, compile or obtain any information about its customers or subscribers, including but not limited to subscriber e-mail addresses. HEN India does not permit or authorize any attempt to use its services in a manner that could damage, disable, overburden or impair any aspect of any of the services, or that could interfere with any other partyís use and enjoyment of any HEN India service.

If HEN India believes that unauthorized or improper use is being made of any service, it may, without notice, take such action as it, in its sole discretion, deems appropriate, including blocking messages from a particular internet domain, mail server or IP address. HEN India may immediately terminate any account on any service which it determines, in its sole discretion, is transmitting or is otherwise connected with any e-mail that violates this policy.

Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, the HEN India website and/or services. Failure to enforce this policy in every instance does not amount to a waiver of HEN India rights.

Unauthorized use of any HEN India services in connection with the transmission of unsolicited e-mail, including the transmission of e-mail in violation of this policy, may result in civil, criminal, or administrative penalties against the sender and those assisting the sender.

General Terms and Conditions 

Welcome to the HEN India Women websites, which are owned and operated by HEN India, incorporated under the state of Karnataka.

The Websites may include some or all of the following: (a) a platform for the purchase and use of digital content, which allows end-users to purchase a subscription and stream live and pre-recorded audio and video content over the Internet for personal use, (b)and (b) one or more websites where other online content (including content provided by HEN India, Website users and third parties), resources, tools, products, services, communications and social networking features may be accessed and used. All of the foregoing are collectively referred to as the “Services.”

PLEASE READ VERY CAREFULLY ALL OF THE FOLLOWING TERMS AND CONDITIONS FOR USE OF THE WEBSITES. BY ACCESSING AND/OR USING THE WEBSITES, YOU ARE AGREEING TO BE BOUND BY ALL OF THE FOLLOWING TERMS OF USE AND PRIVACY POLICY.

  1. Parties. The following Terms of Use and Privacy Policy, as well as any other guidelines, rules or operating policies that HEN India may establish and post at the Websites from time to time, all of which are hereby incorporated by reference. All of the foregoing, which are collectively referred to as the “Agreement,” set forth the terms and conditions of a legally binding contract between each visitor to and/or user of the Websites (together with any business, entity or organization each such visitor and/or user may be representing) (referred to as “you” or “your”) and HEN India (“HEN India,” “we,” “our” and “us”).
  2. Acceptance of Terms and Agreement to Be Bound. The Services are offered to you on the condition that you accept and agree to be bound by this Agreement in its entirety without modification of any kind. By accessing and/or using any of our Websites, you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse one or more of our Websites) or you are a “Registered User” (which means that you have registered to use the Websites and have subscribed to use one or more of the Services). If you do not accept the terms of this Agreement, you are not permitted to use the Websites and/or subscribe to the Services, and you are obliged to exit all of the Websites and discontinue any and all use of the Websites and the Services immediately.
  3. Modifications. We may modify this Agreement from time to time, and, to the greatest extent permitted by law, such modifications shall be effective upon posting at any of our Websites. By accessing and/or using any of our Websites after any such modification is posted, you are agreeing to be bound by such modifications. You also acknowledge and agree that it is your responsibility to monitor the Websites for the posting of modifications and to review such modifications on a regular basis. If you do not agree to be bound by any future modifications of this Agreement, your exclusive remedy is to cancel your account and discontinue your use of the Websites and the Services. Except as otherwise expressly provided herein, any new features, tools, products and/or services that change, augment, enhance or upgrade the current Websites and/or the Services will be subject to this Agreement.
  4. General Registration Requirements. Visitors are currently permitted to view only limited portions of the Websites prior to deciding whether to become a Registered User. Full access to the Websites and the Services is available only to Registered Users and, if a subscription is required, then only to Registered Users who are also paid subscribers. If you wish to become a Registered User, you must register on our Websites, you must complete the registration procedures displayed on the registration page(s) of the Websites and, where applicable, pay the required subscription fee. Some aspects of the Websites and the Services are available to all Registered Users, and some are available only to Registered Users who have paid the required subscription fee and/or other charges, all of which are posted at the Websites.
  5. 30-days Free Trial Offer. This offer (the “30-Days Free Trial Offer”), which is made to you by HEN India (as defined in the HEN India Terms and Conditions of Use), entitles you access to the HEN India membership for a period of thirty (30) days from the moment that you activate such trial period by submitting your payment details (the “Free Trial Period”). By submitting your payment details, you accept the 30-Days Free Trial Offer and (i) consent to us using your payment details in accordance with our Privacy Policy, (ii) acknowledge and agree to HEN India Terms and Conditions of Use and these Free Trial Terms and Conditions. If you decide that you do not want to become a paying user of the HEN India membership upon the lapse of the Free Trial Period, you have to terminate your membership by the end of the Free Trial Period. You may only use this Free Trial Offer once. HEN India reserves the right, in its absolute discretion, to withdraw or to modify this Free Trial Offer and/or the HEN India 30-Days Free Trial Terms and Conditions at any time without prior notice and with no liability.
  6. Age Requirements for Access and Use of the Websites. By accessing and using the Websites, you acknowledge and agree that you are representing to us that you are over the age of 18 and you are of legal age to form a legally binding contract, and you are not a person barred from purchasing or receiving products and services, under the laws of the India or other applicable jurisdiction. Registration, subscription, access to and use of the Websites and the Services are not available to users under the age of 18 and are void where prohibited by applicable law.
  7. Requirements for Becoming a Registered User. By completing the registration procedures displayed on the registration page(s) of the Websites, you acknowledge and agree that (a) you are representing to us that you are providing true, accurate, current and complete information about yourself as prompted by the registration form available on our Websites (the “Registration Data”), and (b) you are obliged to maintain and promptly update your Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we reserve the right to suspend or terminate your account and refuse any and all current or future access to and/or use of the Websites and the Services (or any portion thereof).
  8. Children. Due to the nature of the Internet, we cannot prohibit minors from visiting our Websites. However, our Websites are not directed toward children under the age of 13 and we do not knowingly collect information from children under the age of 13 through the Websites. If you believe that a child has provided information to us through the Websites, please contact us by email at [email protected]. We will use our best efforts to remove all of the information provided by the child from our system. 
  9. Member Account, Password and Security. As a Registered User, you are required to choose a password and provide your email address, and you may be asked for additional information regarding your account. You are responsible for maintaining the confidentiality and security of the password and all other account information, and you are fully responsible and liable for all access to and use of the Websites and the Services that occur under your password or account. You agree to (a) immediately notify us by e-mail to [email protected] of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you log out from your account at the end of each session. HEN India will not be liable for any loss or damage arising from your failure to comply with this section.
  10. Preservation and Disclosure of Account Information and User Content. You acknowledge and agree that HEN India may access, preserve and disclose your account information and User Content if required to do so by law or in a good faith belief that such access, preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claims that any Site Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of HEN India, the other users of the Websites and Services, and the public. However, under no other circumstances will HEN India intentionally disclose your account information to any third party except as otherwise provided in our Privacy Policy, which is set forth below.
  11. Security Components. You acknowledge and agree that the Websites and the Services, and the software embodied within the Websites and the Services, may include security components that permit digital materials to be accessed, used, and protected, and that use of these security components is subject to usage rules set by HEN India and/or content providers who provide content to HEN India. You may not attempt to override or circumvent any such security components and usage rules embedded in the Websites and the Services.
  12. Subscription Fees and Payment. Access to and use of the Services is subject to a subscription fee (“Fee”). The Fee is payable in Indian Rupees. You will be required to provide your credit card number and other information at the time of your initial registration. Your credit card will automatically be charged at the time of your subscription or the end of your free trial, and regularly thereafter based on the terms of your subscription, and you hereby authorize HEN India to charge your credit card for the then-applicable subscription fee. The Fee is non-refundable except as provided in Section 24 below (“Term and Termination”). HEN India reserves the right to change or modify the Fee or payment schedule (including, without limitation, increasing prices and charging a fee for upgrades) at any time. HEN India will use its reasonable best efforts to provide you with reasonable notice prior to making any fee changes or modifications. If HEN India is for any reason unable to effect automatic payment via your credit card, HEN India will attempt to notify you via email and your account will be disabled until payment is received. You are responsible for notifying HEN India of any changes to your credit card information and to update your information if your credit card has expired. HEN India may suspend, terminate and/or otherwise interrupt your access to the Services if you fail to so notify HEN India .All Fees are exclusive of all taxes and duties imposed with respect to the Services by any federal, state, municipal or other governmental authority, all of which taxes you are required to pay. You are responsible for obtaining and providing to HEN India any certificate of exemption or similar document required to exempt any transaction from sales, use or similar tax liability.You agree to pay your account balance on time. You are responsible and liable for any costs and expenses, including attorney and collection fees, that HEN India may incur in its efforts to collect any remaining balances due from you. This paragraph will in no way limit any other remedies available to HEN India. You are required to notify us of any billing problems or discrepancies within sixty (60) days after they first appear on your credit card account statement by sending a written notice to [email protected]. If you do not so notify us within the time allowed, you waive any right to dispute such problems or discrepancies.12a. Content. The content available at the Websites and the Services generally consists of (a) content owned by HEN India, including but not limited to the trademarks, trade dress and “look and feel” of the Websites and content created and/or acquired and owned by HEN India(“HEN India content”), (b) content owned by third parties and licensed to HEN India for specified uses on the Websites and the Services (“Third-Party Content”), and (c) content that may be posted and/or otherwise uploaded to the Websites and/or the Services by you (“User Content”). As between you and other Registered Users, however, the content posted by other Registered Users is considered to be “Third-Party Content.” All of the foregoing are collectively referred to as “Site Content.”12b. Geographic Limitations. Due to certain licensing restrictions placed on our titles, some content may not be available in your geographic location, and therefore, cannot be viewed. If at any time you feel this inhibits your experience upon purchasing an HEN India subscription, please contact our customer service department and we will work with you in order to remedy the situation. You can reach customer service by email at [email protected].
  13. Ownership of Content. HEN India does not claim ownership rights in any User Content that you post on the Websites or otherwise make available through the Services. Subject to the non-exclusive license contained in Section 14 below (“License to Your Content”), as between HEN India and you, you will retain all intellectual property rights that you may have in any User Content that originates with you.
  14. License to Your Content. In order to be able to offer you the use of our Websites and the Services pursuant to this Agreement, you are required to grant a license to HEN India to use and distribute your User Content. This enables us to permit other Visitors and Registered Users to view and share your User Content, and to display your User Content in other places within the Websites. Accordingly, by posting, displaying, publishing, transmitting, or otherwise making available (individually and collectively, “posting”) any User Content on or through our Websites or the Services, you hereby grant to HEN India a non-exclusive (meaning you can license the User Content to other parties as well), fully-paid, royalty-free, perpetual, irrevocable, worldwide license (including the right to sublicense) to use, copy, modify, adapt, translate, create derivative works, publicly perform, publicly display, store, reproduce, transmit, distribute, and otherwise make available such User Content on and through the Websites and/or the Services, in print, or in any other format or media now known or hereafter invented, without any obligation of notification, compensation, attribution or consent. Notwithstanding the foregoing, we will not use your User Content to create commercial products such as books. For purposes of this section, “commercial products” does not include use on the Websites and the Services and/or the advertising, publicity, promotional and marketing materials for the Websites and the Services in any and all formats and media now known or hereafter invented. If you wish to remove any User Content from the Websites and/or the Services, the decision will be made by HEN India alone in its sole and absolute discretion, and our decision may depend on the type of User Content, the location and manner of posting, and other factors. You may contact us at [email protected] to request the removal of certain User Content you have posted, but HEN India (i)has no obligation to remove any such User Content, (ii)may choose whether or not to do so in its sole discretion, and (iii)makes no guarantee as to the complete deletion of any such User Content and copies thereof. In any case, a back-up or residual copy of any User Content posted by you may remain on HEN India servers after the User Content appears to have been removed from the Websites and/or the Services, and HEN India retains all rights granted in this section to all such remaining copies. You represent and warrant that: (i) you own all right, title and interest in all User Content posted by you on or through our Websites or the Services, or otherwise have the right to grant the license set forth in this section, and (ii) the posting of your User Content on or through the Websites and/or the Services does not require the knowledge or consent of any third party and does not violate the privacy rights, publicity rights, copyrights, trademarks, patents, trade secrets, contract rights, confidentiality, or any other rights of any third party.
  15. Prohibited Conduct. The Websites and the Services may include features that permit you to post User Content, which includes and applies to (but is not limited to) content of your own, comments on the User Content posted by other Registered Users, and communications with other Registered Users. Such User Content includes but is not limited to information, data, text, software, music, sound, photographs, graphics, video, messages, tags, or other materials. You acknowledge and agree that you shall not use the Websites and/or the Service to post or other transmit User Content that
    1. Is patently offensive and/or promotes racism, bigotry, hatred or physical harm of any kind against any group or individual
    2. Harasses or advocates harassment of another person
    3. Exploits people in a sexual or violent manner
    4. Contains nudity, violence, or offensive subject matter
    5. Solicits personal information from anyone under the age of eighteen (18)
    6. Provides any telephone numbers, street addresses, last names or email addresses of anyone other than your own
    7. Promotes information that you know is false or misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous
    8. Violates any intellectual property or other proprietary right of any third party, including User Content that promotes an illegal or unauthorized copy of another person’s copyrighted work, such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files
    9. Involves the transmission of “junk mail,” “chain letters,” or unsolicited mass mailing, instant messaging, “spimming,” or “spamming”
    10. Contains restricted or password only access pages or hidden pages or images (those not linked to or from another accessible page)
    11. Furthers or promotes any criminal activity or enterprise or provides instructional information about illegal activities including, but not limited to making or buying illegal weapons, violating someone’s privacy, or providing or creating computer viruses
    12. Solicits passwords or personal identifying information for commercial or unlawful purposes from other Members
    13. Involves commercial activities and/or sales without our prior written consent, such as contests, sweepstakes, barter, advertising, or pyramid schemes
    14. Includes a photograph of another person that you have posted without that person’s consent or, in the case of children under the age of eighteen (18), parental consent, or otherwise constitutes an invasion of an individual’s privacy or infringement of publicity rights; or
    15. Contains a virus or other harmful component.
  16. Responsibility for User Content. You, and not HEN India, are entirely responsible for all User Content that you upload, post, email, transmit or otherwise make available via the Websites and/or the Services. HEN India does not control the User Content posted via the Websites and/or the Services and, as such, we cannot and do not guarantee the accuracy, integrity or quality of such User Content. You acknowledge and agree that, by using the Websites and the Services, you may be exposed to User Content that you deem offensive, indecent or objectionable. Under no circumstances will HEN India be liable in any way for any User Content, including, but not limited to, any errors or omissions in any user Content, or any loss or damage of any kind incurred as a result of the use of any User Content posted, emailed, transmitted or otherwise made available via the Websites and/or the Services.
  17. Rejection and/or Removal of User Content. You acknowledge and agree that HEN India may or may not pre-screen User Content posted on our Websites, but that HEN India shall have the right (but not the obligation) in its sole discretion to pre-screen, edit, refuse, and/or remove any User Content or portion thereof that is available via the Websites and/or the Services, in its sole and absolute discretion, for any reason, including but not limited to its determination that any such User Content is not appropriate for the Websites and/or the Services, or for no reason. Without limiting the foregoing, and by way of example only, HEN India shall have the absolute right to remove from the Websites and/or the Services any User Content that violates this Agreement or is otherwise objectionable in the sole discretion of HEN India, or to restrict, suspend, or terminate your access to all or any part of the Websites and/or the Services at any time, for any or no reason, with or without prior notice, and without liability. If you become aware of misuse of the Websites and/or the Services by any person, please contact HEN India by email at [email protected] 
  18. Limited License. HEN India hereby grants to Registered Users a limited, personal, revocable, non-sublicensable license to display a single copy of the HEN India Content and the Third-Party Content located on or available through our Websites or Service (excluding any software code therein) solely for your single, personal, non-transferable and non-commercial use in connection with viewing our Websites and using the Services during the term of your registration. All such use is subject to the terms and conditions set forth in this Agreement and may be terminated by HEN India as set forth in this Agreement. Except for User Content posted by you, you may not copy, store, modify, translate, publish, broadcast, transmit, distribute, perform, display, make available, or sell any Site Content for any purpose whatsoever.
  19. Examples of Limitations on Use. Any non-commercial reuse of any portion of the Site Content by a Registered User that falls within what is allowed as “Fair Use” is permitted. In addition to the limitations set forth in Section 18 above (“Limited License”), and by way of example only, no commercial storage, use, reproduction or transmission of any Site Content is permitted under any circumstances. The Websites and the Services may not be used in connection for any commercial purposes except as specifically approved in writing and in advance by an authorized representative of HEN India. Unauthorized framing of or linking to any of our Websites is prohibited. Commercial advertisements and other commercial content, affiliate links, and other forms of solicitation may be removed by HEN India from the Websites and the Services without notice and may result in termination of registration and subscription and denial of access to and use of the Websites and the Services.
  20. Reservation of Rights. HEN India Content and Third-Party Content are protected by copyright, trademark, patent, trade secret and other laws. HEN India and its third-party licensors owns and retains their respective rights, title and interest in and to their respective content subject only to the limited licensed granted to Registered Users as set forth above.
  21. Other Sites. The Websites may contain third-party advertising and/or links to other sites owned by third parties (i.e. advertisers, affiliate partners, strategic partners, or others). However, the inclusion of a link in any of our Websites does not imply HEN India’s investigation, evaluation and/or endorsement of such third party website. We are not responsible for examining or evaluating, and we do not warrant the products or offerings of, any of these businesses, entities or individuals, or the accuracy of the content of their advertising or websites. HEN India does not assume any responsibility or liability for the actions, products, services, and/or content of any such websites. Before you purchase goods or services from a third party and/or use any third-party website, you should review the applicable terms of use and privacy policies for such websites. If you decide to access any such linked websites, you do so at your own risk.
  22. International Use. Due to the global nature of the Internet, you acknowledge and agree that you are obliged to comply with all applicable laws, rules and regulations regarding the access to and use of the Websites and the Services. By way of example only, you acknowledge and agree that you are obliged to comply with all applicable laws regarding the transmission of technical data exported from India or the country in which you reside, and that restrictions on access to and/or use of some Site Content may apply to users based on their place of domicile, residence and/or use.
  23. Registered User Disputes. You are solely responsible for your interactions with other Registered Users. HEN India reserves the right, but has no obligation, to monitor disputes between you and other Registered Users.
  24. Term and Termination. This Agreement, as it may be modified from time to time, shall remain in full force and effect for so long as it is posted on any of the Websites or until terminated by HEN India or by you.
    You may terminate your status as a Registered User and cancel your account at any time and for any reason, by notifying us by email at [email protected] , but any such termination and cancellation will be effective only after HEN India has processed the request. If you cancel your account prior to the expiration of your pre-paid subscription period, you will forfeit the Fees paid for any unused portion of your subscription, which are non-refundable. However, you will be able to continue viewing premium content until the expiration of your current pre-paid subscription period. You also acknowledge and agree that the cancellation of your account is your sole right and remedy with respect to any dispute with HEN India. HEN India reserves the right to suspend or terminate your status as a Registered User, cancel your account, and disable your access to the Websites and Services at any time, with or without notice to you, with or without cause, and without liability to you. HEN India shall have no liability to you or any third party because of such suspension or termination or related action for any reason except as follows: (a) If HEN India elects do so with cause, then no refund of any unused portion of a pre-paid subscription is owing, and (b) if HEN India elects to do so without cause, then HEN India will refund any unused portion of a pre-paid subscription.
    The following sections shall survive any termination of this Agreement, your account, and/or your use of the Service: Section 9 (“Preservation and Disclosure of Account Information and User Content”), Section 12 (“Content”), Section 13 (“Ownership of Content”), Section 14 (“License to Your Content”), Section 16 (“Responsibility for Your User Content”), Section 17 (“Rejection and/or Removal of User Content”), Section 20 (“Reservation of Rights”), Section 21 (“Other Sites”), Section 22 (“International Use”), Section 24 (“Registered User Disputes”), Section 24 (“Disclaimer of Warranties”), Section 26 (“Waiver of Claims”), Section 27 (“Limitation of Liability”), Section 28 (“Severability”), Section 29 (“Indemnity”), and Sections 33 through 38.
    Upon suspension or termination, HEN India shall have no obligation to save any User Content that you may have posted or otherwise provided, and we reserve the right to permanently delete and destroy any of your personal information and/or User Content.
  25. Disclaimer of Warranties. You acknowledge and agree that the Websites and the Services are offered without warranties of any kind whatsoever by HEN India and/or the providers of Site Content. The disclaimer of warranties includes, but is not limited to, the following.
    (a) Your use of the Websites and the Services is at your sole risk. The Websites and the Services are provided on an “as is” and “as available” basis. HEN India and its parent, subsidiaries, affiliates, successors and assigns, and their respective shareholders, officers, directors, employees, agents, partners, licensors, vendors and contractors (collectively, the “HEN India -Related Parties”) expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement, with respect to the service, the websites, and any third party websites with which they are linked.
    (b) The HEN India -Related Parties are not responsible or liable for any loss, damage, injury or health problems that may result from your use of the Site Content and/or other aspects of the Websites and/or the Services, including but not limited to training programs, recipes, products, services, events and/or information that you may learn about on the Websites and/or the Services, and/or any action or inaction on your part as a result of information you have obtained from the Websites and/or the Services. By way of example only, if you engage in any exercise or diet program that you receive or learn about through the Websites and/or the Services, and/or if you use any product or service that you receive or learn about through the Websites and/or the Services, you agree that you do so voluntarily, after consulting an appropriate health professional of your choice, and at your own risk, and you agree to release and discharge the HEN India -Related Parties from any and all claims or causes of action, known or unknown, arising out of the foregoing.
    (c) The HEN India -Related Parties make no warranty that the Websites or the Services, the Site Content, and/or the information, products and services available through the Websites or the Service will meet your expectations or requirements, or that you will achieve any particular results from the use of any of the foregoing, or that the Websites or the Services will be uninterrupted, timely, secure, error-free, or free of any harmless components (including viruses, malware, spyware, or comparable components.
    (d) You expressly assume the risk, by way of example, of deletion, non-delivery or failure to store postings of User Content, communications, personalized settings, or data, and you acknowledge that the HEN India -Related Parties make no warranties regarding the foregoing.
    (e) Any material downloaded or otherwise obtained through the use of our Websites or the Services is accessed at your own discretion and risk, and you will be solely responsible for any loss or damage to your computer system or loss of data that results from the download of any such material.
  26. Waiver of Claims. You hereby waive, release and discharge HEN India from and against any claims that you may be entitled to make by reason of any use of your User Content authorized under this Agreement and/or by reason of your participation in any of the communications and social networking features of the Services, including but not limited to, and by way of example only, any claims based on copyright infringement, trademark infringement, rights of privacy or publicity, defamation and otherwise.
  27. Limitation of Liability. To the fullest extent permitted by applicable laws, HEN India will in no event be liable to you or any third party for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profit damages arising from or in connection with any use of the Websites and/or the Services, and/or any website with which they are linked, and/or any content, information, products or services accessible through the Websites and/or the Services, even if any of the HEN India have been advised of the possibility of such losses or damages. Notwithstanding anything to the contrary contained herein, the aggregate liability of the HEN India to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to HEN India for the Services.
  28. Severability. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, in certain jurisdictions, some of the above limitations of liability may not apply to you. In any such case, and/or if any terms or conditions of this Agreement are held to be invalid for any reason whatsoever, this Agreement shall remain in full force and effect on its remaining terms and conditions of this Agreement unless and until terminated by HEN India. Furthermore, if any term or condition of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the intentions of the parties as reflected in the invalidated provision
  29. Indemnity. You agree to indemnify, defend, and hold harmless HEN India from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your breach of the terms of this Agreement, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity. HEN India will use its reasonable best efforts to notify you promptly of any such claim, loss, liability, or demand, and will provide you with reasonable assistance, at your expense, in defending any such claim, loss, liability, damage, or cost.
  30. Additional Terms. We may also require you to follow additional rules, guidelines or other conditions (“Additional Terms”) in order to participate in certain promotions or activities available through our Websites, to obtain certain premium Site Content through our Websites, and/or for other reasons. In addition, certain Additional Terms will govern your subscription to the Services and any purchases you make through the online store. These Additional Terms will be posted on the relevant portions of our Websites or on the portions of our Websites that describe the specific promotions, Content, or activities. These Additional Terms are incorporated by reference in this Agreement, and you agree to comply with them when you participate in those promotions, purchase items from our online stores, or otherwise engage in activities governed by such Additional Terms.
  31. Modification and Discontinuation. We reserve the right at any time to modify, edit, delete, suspend or discontinue, temporarily or permanently the Websites and/or the Services, or any portion thereof, with or without notice. You agree that we will not be liable to you or to any third party for any such modification, editing, deletion, suspension or discontinuance of the Websites and/or the Services.
  32. Entire Agreement. This Agreement, together with any other terms and conditions referenced herein (including without limitation the Privacy Policy and Additional Terms), constitutes the entire agreement between you and HEN India and governs your use of the Websites and Service, superseding any prior agreements between you and HEN India with respect to the Websites and/or the Services.
  33. Choice of Law and Forum. This Agreement and the relationship between you and HEN India shall be governed by the laws of Karnataka, India without regard to its conflict of law provisions. You and HEN India agree to submit to the personal and exclusive jurisdiction of the courts located within the country
  34. No Waiver. The failure of HEN India to exercise or enforce any right and/or remedy under this Agreement shall not constitute a waiver of such right and/or remedy.
  35. Statute of Limitations. You acknowledge and agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Websites, the Services or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred.
  36. Relationship of the Parties. You and HEN India acknowledge and agree that they are independently contracting parties dealing at arm’s length with each other in connection with the licensing of intellectual property rights and the provision of services. No partnership, joint venture, joint authorship, employment, fiduciary, agency or other relationship is created between them.
  37. Binding on Successors. This Agreement shall be binding on and inure to the benefit of the heirs, executors, administrators, licensees, successors and/or assigns of the parties, as applicable. For avoidance of doubt, you acknowledge and agree that HEN India is fully authorized to assign, sublicense and/or otherwise convey and transfer this Agreement and/or any of its rights under this Agreement at any time, in its sole and absolute discretion, and without compensation of any kind to you.

Notices and Questions. If you have any questions regarding this Agreement, please contact us by email at [email protected] . Except as otherwise specified elsewhere in this Agreement, notices to HEN India may be given at the foregoing email and notices to you may be given at the address provided to us at the time of registration and/or the purchase of goods and services from HEN India.

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Success Coach

Savitha Nanjappa

Savitha has not only launched and sky rocketed her own coaching platform, but has also worked with 3000+ individuals and mentored over 100+ businesses to quantum leap into the coveted 7-8 figure circle. She also holds an MBA and is armed with over 17 years of Corporate Work Experience, having worked with Brands like Airtel, Tata Docomo, Novo Nordisk, ICICI Prudential and Telenor in Marketing, Sales & Customer Service. Savitha has received prestigious awards such as the “Young Achievers Award '' and most recently the "Young leaders creating a better world for all award" at the Women Economic Forum 2020 event in Egypt. She has also hosted Corporate workshops, been featured as an expert on podcasts and is a keynote speaker.

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women business leaders

MSME Loan Expert

Ramesh Dharmaji

Mr.Ramesh served as Director on Boards of MSMEs/ infrastructure companies, Microfinance Institutions, State Financial Corporations, Venture Capital Companies, Technical Consultancy organisations Micro finance self-regulating organisations. • Superannuated from SIDBI as Chief General Manager in February 2019, but was adviser at SIDBI till May 2020. Currently, he is

  • Strategy Adviser to Tamil Nadu Industrial Investment Corporation, a state level government owned finance institution.
  • Advisor to Indian Bank for start-up financing initiatives
  • Director on Karnataka State Financial Corporation, a state level development institution,
  • Adviser to Global Alliance for Mass Entrepreneurship (GAME)
  • Independent expert at Global Innovation and Technology Alliance (GITA) and Technology Development Board GOIBesides his active engagement with the industry, he indulges in writing books with international recognitions and he loves telling business stories.

Naveen Lakkur is the Founder and Chief Innovation Coach of Institute of Inspiring Innovation.

Ramesh Dharmaji HEN India

Serial Entrepreneur turned Innovation Coach

Naveen Lakkur

Naveen loves to inspire enterprises and entrepreneurs to innovate and guide them to grow in the right direction. In his professional career spanning 25+ years in the industry worldwide, he has co-founded several innovative companies. He has also been a catalyst for 250+ ideas to have become commercial realities.

He is passionate about sharing his practical knowledge of building companies and nurturing ideas. Besides his active engagement with the industry, he indulges in writing books with international recognitions and he loves telling business stories. Naveen Lakkur is the Founder and Chief Innovation Coach of Institute of Inspiring Innovation.

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Influencer & Entrepreneur

Archana Doshi

Archana is passionate about returning back to the basics and "I strongly believe health resides on the dinner table". Her website - www.archanskitchen.com empowers people to cook easily using easy cooking techniques using local and fresh ingredients. In addition the website is enhanced with advanced features like everyday dinner recipe ideas, lunch box ideas, weekly meal plans, diabetic recipes, festival recipes, healthy snacks and much more. What started out in her kitchen over decades ago, Archana’s Kitchen today is India’s leading food and recipe website reaching over 10 million happy users imparting healthy cooking and eating habits. Archana’s Kitchen also launched a range of their own brand of food products. The cake mixes are the first line of products personally crafted by Archana from whole grains like ragi, jowar, barley & whole wheat flour that are packed with proteins, minerals and fibre and yet have all the richness and flavor of a traditional cake. You can shop them at shop.archanaskitchen.com and other online marketplaces like amazon, bigbasket and more to come.

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Archana Doshi Business Leaders & HEN Mentor

Life Coach & Entrepreneur​

Spoorthi Vishwas

Spoorthi Vishwas is an assiduous entrepreneur, social media influencer, blogger, proud mother, and acclaimed South Indian actress, the resolute and determined Spoorthi Vishwas believes. Founder Director of KWAA- Karnataka Woman Achievers Award; IWAA - Indian Women Achievers Award - her coveted brain child that set a new bench mark in women accomplishments and recognition. Spoorthi is also the Founder SHE India Community.

Funding Expert

Aditi Balbir​

Founder of V Resorts – a VC funded management company for boutique stays in India. Scaled to 150+ properties and exited to a strategic player. Top 20 influential women entrepreneurs in India & Winner BW 40 under 40, CNBC Young Women Leader, MPW Fortune Asia, DWEN, Women Economic Forum, UNWTO Community Impact. Written for Economic Times, YourStory, Times of India, World Economic Forum. Travel Blogger & Instagram influencer. MBA, ISB Hyderabad & Duke University.

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Business Leaders Aditi Balbir HEN India

Finance and Accounts Expert

Vijay Ladha

A first gen entrepreneur, chartered accountant, believer of business plan and that numbers help in taking business decisions, pro bono mentor with many entrepreneurship promotion organizations, visiting faculty with Symbiosis University, Bangalore and St. Johns, Medical College, Bangalore, promoter of entrepreneurship if planned with information.

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business leaders