Speeches - Regulating Co-operative Banking - આરબીઆઈ - Reserve Bank of India
speeches
મે 17, 2024
The Crucial Role of Assurance Functions in Urban Co-operative Banks - Speech by Shri Swaminathan J, Deputy Governor, Reserve Bank of India - May 16, 2024 - at the Conference of Heads of Assurance of Urban Cooperative Banks held in Mumbai
Deputy Governor Shri Rao, Heads of Assurance functions from Urban Cooperative Banks, and my colleagues from the Reserve Bank of India. A very good morning to all of you. The Reserve Bank of India has been engaging with its supervised entities regularly over matters of governance and effectiveness of assurance functions. We have had a series of engagements with the Boards of Directors of both commercial and cooperative Banks conveying the importance of strong corporate governance and remaining vigilant to ensure the continuing stability of the financial sector. We have also been meeting the heads of assurance functions, recognising the key role these functions play in ensuring the safety and soundness of the banks and promoting regulatory compliance. Today’s conference is an extension of our efforts to engage with assurance functionaries. Assurance functions namely, the risk management, internal audit and compliance functions play a very crucial role, as guardians ensuring the bank operates safely, ethically and within regulatory and legal boundaries. Assurance functionaries, by becoming effective gatekeepers, can give the required comfort to all stakeholders that the bank is on the right track, its systems are strong, its operations are reliable, and its risks are managed effectively. As conscience keepers of the bank, they are intended to detect and prevent any deviations or build-up of any potential risks, safeguard the reputation of the bank and help uphold the trust of its customers and other stakeholders. In the ever-changing landscape of banking, new risks constantly emerge. While traditional risks like credit, market, and liquidity risks remain signifi
Shri Swaminathan J, Deputy Governor, Reserve Bank of India
Deputy Governor Shri Rao, Heads of Assurance functions from Urban Cooperative Banks, and my colleagues from the Reserve Bank of India. A very good morning to all of you. The Reserve Bank of India has been engaging with its supervised entities regularly over matters of governance and effectiveness of assurance functions. We have had a series of engagements with the Boards of Directors of both commercial and cooperative Banks conveying the importance of strong corporate governance and remaining vigilant to ensure the continuing stability of the financial sector. We have also been meeting the heads of assurance functions, recognising the key role these functions play in ensuring the safety and soundness of the banks and promoting regulatory compliance. Today’s conference is an extension of our efforts to engage with assurance functionaries. Assurance functions namely, the risk management, internal audit and compliance functions play a very crucial role, as guardians ensuring the bank operates safely, ethically and within regulatory and legal boundaries. Assurance functionaries, by becoming effective gatekeepers, can give the required comfort to all stakeholders that the bank is on the right track, its systems are strong, its operations are reliable, and its risks are managed effectively. As conscience keepers of the bank, they are intended to detect and prevent any deviations or build-up of any potential risks, safeguard the reputation of the bank and help uphold the trust of its customers and other stakeholders. In the ever-changing landscape of banking, new risks constantly emerge. While traditional risks like credit, market, and liquidity risks remain signifi
જાન્યુ 29, 2024
Role and Expectations of Directors of Urban Co-operative Banks: Upholding Governance and Professionalism with Capacity Buidling and Technology Upgradation - Speech by Shri Swaminathan J, Deputy Governor, Reserve Bank of India - January 24, 2024 - at the Conference of Governance in Urban Co-operative Banks for UCBs in Andhra Pradesh, Karnataka, Kerala and Telangana held in Hyderabad
Speech by Shri Swaminathan J, Deputy Governor at the Conference of Governance in Urban Co-operative Banks for UCBs in Andhra Pradesh, Karnataka, Kerala and Telangana held in Hyderabad on January 24, 2024
Shri Swaminathan J, Deputy Governor, Reserve Bank of India
Speech by Shri Swaminathan J, Deputy Governor at the Conference of Governance in Urban Co-operative Banks for UCBs in Andhra Pradesh, Karnataka, Kerala and Telangana held in Hyderabad on January 24, 2024
સપ્ટે 13, 2021
Regulatory Framework for Account Aggregators
I extend my gratitude for this invitation and opportunity to be here with you all. Hope all of you are keeping safe in these challenging times. 1. Technology has transformed our lives in this increasingly interconnected world with mobiles and hand-held devices enabling ubiquitous access and broader reach. It has concomitantly enabled businesses to penetrate new markets and new geographies which they were hitherto unable to reach. This growth of technology also has the
Shri M. Rajeshwar Rao, Deputy Governor, Reserve Bank of India
I extend my gratitude for this invitation and opportunity to be here with you all. Hope all of you are keeping safe in these challenging times. 1. Technology has transformed our lives in this increasingly interconnected world with mobiles and hand-held devices enabling ubiquitous access and broader reach. It has concomitantly enabled businesses to penetrate new markets and new geographies which they were hitherto unable to reach. This growth of technology also has the
ઑગસ્ટ 24, 2018
Importance of strong Governance & Secure IT Operations for Urban Co-operative Banks to Remain Relevant
I am happy to be here in this edition of Sahakar Setu organised by the Gujarat Urban Cooperative Banks Federation. The Federation has been proactive in providing leadership to the cooperative movement in the State of Gujarat. It is because of the efforts of the Federation and its member banks, the cooperative banks in the State could emerge stronger out of the Madhavpura Bank crisis. The Federation has taken several measures particularly in adoption of technology by t
Shri N.S. Vishwanathan, Deputy Governor, Reserve Bank of India
I am happy to be here in this edition of Sahakar Setu organised by the Gujarat Urban Cooperative Banks Federation. The Federation has been proactive in providing leadership to the cooperative movement in the State of Gujarat. It is because of the efforts of the Federation and its member banks, the cooperative banks in the State could emerge stronger out of the Madhavpura Bank crisis. The Federation has taken several measures particularly in adoption of technology by t
ઑગસ્ટ 31, 2017
Seminar on Agricultural Debt Waiver – Efficacy and Limitations
Ladies and Gentlemen, On behalf of the Reserve Bank of India, I warmly welcome you and thank you for accepting our invitation to join us today in this seminar. 1. In the recent period, farm loan waivers have engaged intense attention among the farming community, policy makers, academics, analysts and researchers. On the one hand, there is a gamut of issues that have intensified the anguish of our farmers. In this context, farm loan waivers have brought forward the urg
Dr. Urjit R. Patel, Governor, Reserve Bank of India
Ladies and Gentlemen, On behalf of the Reserve Bank of India, I warmly welcome you and thank you for accepting our invitation to join us today in this seminar. 1. In the recent period, farm loan waivers have engaged intense attention among the farming community, policy makers, academics, analysts and researchers. On the one hand, there is a gamut of issues that have intensified the anguish of our farmers. In this context, farm loan waivers have brought forward the urg
ફેબ્રુ 10, 2016
Rural Cooperatives: Repositioning
I am glad to be addressing you all at this National Conference on Cooperative Banks – Regaining Leadership in this historic city of Lucknow. It is a very contemporary issue. Actually, it is an ever-green issue for the past over a century or so. You only need to recall the famous saying by the All India Rural Credit Survey of 1951 “Cooperation has failed. But, cooperation must succeed”. That showed that cooperation had a chequered history in India, with several ebbs an
Shri R. Gandhi, Deputy Governor, Reserve Bank of India
I am glad to be addressing you all at this National Conference on Cooperative Banks – Regaining Leadership in this historic city of Lucknow. It is a very contemporary issue. Actually, it is an ever-green issue for the past over a century or so. You only need to recall the famous saying by the All India Rural Credit Survey of 1951 “Cooperation has failed. But, cooperation must succeed”. That showed that cooperation had a chequered history in India, with several ebbs an
ઑક્ટો 28, 2015
Whither the Co-operative Banking?
Dear Co-operators, I am thankful to the Maharashtra State Urban Co-operative Banks’ Federation for inviting me to this Seminar. The topic chosen for the Seminar is very contemporary. While I will certainly make a few points about it later, I would like to first discuss the current status of the urban co-operative banking in India, how it reached there, what recent initiatives the Reserve Bank has taken to strengthen the sector and what is the way forward. 2. The organ
Shri R. Gandhi, Deputy Governor, Reserve Bank of India
Dear Co-operators, I am thankful to the Maharashtra State Urban Co-operative Banks’ Federation for inviting me to this Seminar. The topic chosen for the Seminar is very contemporary. While I will certainly make a few points about it later, I would like to first discuss the current status of the urban co-operative banking in India, how it reached there, what recent initiatives the Reserve Bank has taken to strengthen the sector and what is the way forward. 2. The organ
જૂન 23, 2015
Future and new thoughts on co-operative banks
The co-operative movement in India is more than a century old; regulation thereof is also more than a century old with the first major impetus provided by the passage of the Co-operative Society Act in 1904. The co-operatives have come a long way and have seen many ups and downs since then; they have played the original role in financial inclusion and taking care of banking and credit needs of the lower and middle strata of society, in the length and breadth of India,
Shri R. Gandhi, Deputy Governor, Reserve Bank of India
The co-operative movement in India is more than a century old; regulation thereof is also more than a century old with the first major impetus provided by the passage of the Co-operative Society Act in 1904. The co-operatives have come a long way and have seen many ups and downs since then; they have played the original role in financial inclusion and taking care of banking and credit needs of the lower and middle strata of society, in the length and breadth of India,
જૂન 22, 2015
Roundtable on Capacity Building in Banks
I appreciate CAFRAL for taking the initiative of holding this roundtable on capacity building in banks. As I am given to understand, the objective of this roundtable is to discuss the key aspects of the recommendations of the Committee on Capacity Building in Banks and Non-Bank Institutions (Chairman: Shri G. Goplalakrishna) and to formulate strategy to streamline and implement the recommendations. I also understand that the issues and challenges in implementing these
Shri R. Gandhi, Deputy Governor, Reserve Bank of India
I appreciate CAFRAL for taking the initiative of holding this roundtable on capacity building in banks. As I am given to understand, the objective of this roundtable is to discuss the key aspects of the recommendations of the Committee on Capacity Building in Banks and Non-Bank Institutions (Chairman: Shri G. Goplalakrishna) and to formulate strategy to streamline and implement the recommendations. I also understand that the issues and challenges in implementing these
નવે 19, 2014
Emerging contours of Regulation and Supervision in the Indian Banking Sector
Delegates to the conference, ladies and gentlemen! It is a pleasure to be here this morning to interact with you all. At the outset, I would like to thank Axis Capital Limited and especially Mr. Nilesh Shah, for inviting me to address the participants. 2. During 2013-14, amid slow growth and high inflation, the Indian economy had to contend with serious challenges to external stability emanating from an unsustainably high current account deficit (CAD), capital outflow
Shri S. S. Mundra, Deputy Governor, Reserve Bank of India
Delegates to the conference, ladies and gentlemen! It is a pleasure to be here this morning to interact with you all. At the outset, I would like to thank Axis Capital Limited and especially Mr. Nilesh Shah, for inviting me to address the participants. 2. During 2013-14, amid slow growth and high inflation, the Indian economy had to contend with serious challenges to external stability emanating from an unsustainably high current account deficit (CAD), capital outflow
નવે 07, 2014
Fortifying Cooperatives – Efforts to strengthen the Short Term Cooperative Credit Structure
Ladies and gentlemen! 1. I am very happy to be here today to share with you the present status of co-operatives in general and the role of rural cooperative banks as an institution, in particular. I feel honoured to be here with you all and inaugurate this Orientation Programme on Investment in Government Securities. Let me, at the outset, convey my thanks to the Regional Director for Maharashtra and Goa for inviting me to speak on this important occasion. 2. The thre
Dr. (Smt.) Deepali Pant Joshi, Executive Director, Reserve Bank of India
Ladies and gentlemen! 1. I am very happy to be here today to share with you the present status of co-operatives in general and the role of rural cooperative banks as an institution, in particular. I feel honoured to be here with you all and inaugurate this Orientation Programme on Investment in Government Securities. Let me, at the outset, convey my thanks to the Regional Director for Maharashtra and Goa for inviting me to speak on this important occasion. 2. The thre
જૂન 30, 2014
Banks in India: Challenges & Opportunities
Smt. Arundhati Bhattacharya, Chairman, State Bank of India, Shri. Deepak Parekh, Chairman HDFC, Shri. V. G. Kannan, Chairman, SBI Cap Securities Ltd., Shri. Mani Palivesan, Managing Director, SBI Cap Securities Ltd, distinguished panelists and participants. It is a pleasure to address the BFSI Conference 2014 which features panel discussions on topical issues in banking. The first panel discussion, interestingly, is on Disruptive Themes for Next Decade. The word disru
Shri Harun R Khan, Deputy Governor, Reserve Bank of India
Smt. Arundhati Bhattacharya, Chairman, State Bank of India, Shri. Deepak Parekh, Chairman HDFC, Shri. V. G. Kannan, Chairman, SBI Cap Securities Ltd., Shri. Mani Palivesan, Managing Director, SBI Cap Securities Ltd, distinguished panelists and participants. It is a pleasure to address the BFSI Conference 2014 which features panel discussions on topical issues in banking. The first panel discussion, interestingly, is on Disruptive Themes for Next Decade. The word disru
જૂન 10, 2014
New-Gen Urban Cooperative Banks - Some Musings
Dear Shri Jyotindra Mehta, Chairman, Gujarat Urban Cooperative Banks Federation, Shri V S Das, Director, Centre for Banking Research, Development & Excellence, other dignitaries and delegates. I feel specially privileged to address this Conference of urban co-operative banks, which is very aptly titled “Sahakar Setu-2014” focusing on the theme of “Next-Gen Co-operative Banks”. I am also happy to note that a Centre for Banking Research, Development & Excellence
Shri R. Gandhi, Deputy Governor, Reserve Bank of India
Dear Shri Jyotindra Mehta, Chairman, Gujarat Urban Cooperative Banks Federation, Shri V S Das, Director, Centre for Banking Research, Development & Excellence, other dignitaries and delegates. I feel specially privileged to address this Conference of urban co-operative banks, which is very aptly titled “Sahakar Setu-2014” focusing on the theme of “Next-Gen Co-operative Banks”. I am also happy to note that a Centre for Banking Research, Development & Excellence
માર્ચ 25, 2014
Strengthening and Revitalising Rural Cooperative Credit Delivery System
1. I am extremely happy to be with you today and thank Dr. Harsh Kumar Bhanwala, Chairman, NABARD and the organizers of this National Meet of State Cooperative Banks for inviting me to share the Reserve Bank's perspectives. 2. Since inception the Indian Cooperative movement was initiated by the Government to align the rural credit system with the objectives of development planning. The RBI played an important role. The RBI's concern and involvement in the sphere of ru
Dr. (Smt.) Deepali Pant Joshi, Executive Director, Reserve Bank of India
1. I am extremely happy to be with you today and thank Dr. Harsh Kumar Bhanwala, Chairman, NABARD and the organizers of this National Meet of State Cooperative Banks for inviting me to share the Reserve Bank's perspectives. 2. Since inception the Indian Cooperative movement was initiated by the Government to align the rural credit system with the objectives of development planning. The RBI played an important role. The RBI's concern and involvement in the sphere of ru
નવે 30, 2012
Perspectives on Co-operation
Ms. Meena Hemchandra, Principal, Mr. R L Sharma, Vice-Principal, College for Agricultural Banking (CAB), Mr. Karuppasamy, the Executive Director, Mr. A. Vaidyanthan, a luminary in the field of development economics, distinguished participants from both India and abroad, my colleagues from Reserve Bank and the print and electronic media. 2. It is both a pleasure as well as a privilege for me to address this august gathering today. The International Conference on Co-ope
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Ms. Meena Hemchandra, Principal, Mr. R L Sharma, Vice-Principal, College for Agricultural Banking (CAB), Mr. Karuppasamy, the Executive Director, Mr. A. Vaidyanthan, a luminary in the field of development economics, distinguished participants from both India and abroad, my colleagues from Reserve Bank and the print and electronic media. 2. It is both a pleasure as well as a privilege for me to address this august gathering today. The International Conference on Co-ope
નવે 16, 2012
Leveraging Cooperative Advantage
Photograph Thank you very much for inviting me to inaugurate this two day International Conference on “Leveraging Cooperative Advantage” organized to celebrate the International Year of Cooperatives declared by the United Nations (UN). This is an opportunity to which I attach a lot of value. 2. The year-long celebration of cooperatives all over the world gives us an opportunity to revisit “the strengths of the cooperative business model as an alternative means of doin
Dr. D. Subbarao, Governor, Reserve Bank of India
Photograph Thank you very much for inviting me to inaugurate this two day International Conference on “Leveraging Cooperative Advantage” organized to celebrate the International Year of Cooperatives declared by the United Nations (UN). This is an opportunity to which I attach a lot of value. 2. The year-long celebration of cooperatives all over the world gives us an opportunity to revisit “the strengths of the cooperative business model as an alternative means of doin
જાન્યુ 11, 2012
Financial Inclusion and Urban Cooperative Banks
Shri Shashikant Bugde, Chairman, Shri Krishnakumar Goyal, Vice-Chairman, Dr. Mukund Abhyankar and other Directors of the Cosmos Bank, Shri Sudhir Thakre, Secretary, Rural Development, Govt. of Maharashtra, all the aspiring women entrepreneurs present here this evening and ladies and gentlemen. I am delighted to be here this evening amongst all of you on the occasion of the launch of the Cosmos Bank’s Financial Inclusion Programme. I would like to thank the Cosmos Bank
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Shri Shashikant Bugde, Chairman, Shri Krishnakumar Goyal, Vice-Chairman, Dr. Mukund Abhyankar and other Directors of the Cosmos Bank, Shri Sudhir Thakre, Secretary, Rural Development, Govt. of Maharashtra, all the aspiring women entrepreneurs present here this evening and ladies and gentlemen. I am delighted to be here this evening amongst all of you on the occasion of the launch of the Cosmos Bank’s Financial Inclusion Programme. I would like to thank the Cosmos Bank
ડિસે 26, 2011
Short Term Cooperative Credit Structure and Financial Inclusion
Shri Charan Das Mahant, Hon’ble Minister of State for Agriculture & Food Processing, Government of India, Shri Gouri Shanker Bisen, Hon’ble Minister for Co-operation, Government of Madhya Pradesh, Shri Chandra Sekhar Sahu, Hon’ble Minister for Agriculture, Government of Chhattisgarh, Dr. Chandra Pal Singh Yadav, President, National Cooperative Union of India, distinguished invitees and guests, ladies and gentlemen. I indeed deem it an honour and a privilege
Shri V.K. Sharma, Executive Director, Reserve Bank of India
Shri Charan Das Mahant, Hon’ble Minister of State for Agriculture & Food Processing, Government of India, Shri Gouri Shanker Bisen, Hon’ble Minister for Co-operation, Government of Madhya Pradesh, Shri Chandra Sekhar Sahu, Hon’ble Minister for Agriculture, Government of Chhattisgarh, Dr. Chandra Pal Singh Yadav, President, National Cooperative Union of India, distinguished invitees and guests, ladies and gentlemen. I indeed deem it an honour and a privilege
જૂન 02, 2008
Inclusive financial system for the aged
Changing Contours of Indian Population India, the seventh largest country in size, continues to occupy the second largest populated country after China. The aged population in India (i.e. over 60 years) that stood at 84.7 million (7.5 per cent) in 2005 is expected to rise to 141 million (10.2 per cent) by 2020 and thereafter reach 194 million (13 per cent) in 2030. Even though income levels are going up and poverty declining, it can be reasonably expected that a signi
Smt. Usha Thorat, Deputy Governor, Reserve Bank of India
Changing Contours of Indian Population India, the seventh largest country in size, continues to occupy the second largest populated country after China. The aged population in India (i.e. over 60 years) that stood at 84.7 million (7.5 per cent) in 2005 is expected to rise to 141 million (10.2 per cent) by 2020 and thereafter reach 194 million (13 per cent) in 2030. Even though income levels are going up and poverty declining, it can be reasonably expected that a signi
ડિસે 08, 2006
Urban Cooperative Banks – Evolution of the banks, current issues in Corporate Governance and challenges in their Regulation and Supervision
URBAN COOPERATIVE BANKS - Evolution of the banks, current issues in Corporate Governance and challenges in their Regulation and Supervision Ladies and Gentlemen, I am happy and honoured to be here today to deliver the "Late Shri. R. N. Godbole memorial lecture" this year. My thanks to the Shivaji University, Kolhapur for extending me the invitation to deliver this lecture I have chosen to speak today on Urban Cooperative Banks - a key sector in the Indian Banking scen
Smt. Usha Thorat, Deputy Governor, Reserve Bank of India
URBAN COOPERATIVE BANKS - Evolution of the banks, current issues in Corporate Governance and challenges in their Regulation and Supervision Ladies and Gentlemen, I am happy and honoured to be here today to deliver the "Late Shri. R. N. Godbole memorial lecture" this year. My thanks to the Shivaji University, Kolhapur for extending me the invitation to deliver this lecture I have chosen to speak today on Urban Cooperative Banks - a key sector in the Indian Banking scen
જુલાઈ 05, 2002
Co-Operative Banks in India : Strengthening through Corporate Governance
by Vepa Kamesam Deputy Governor, Reserve Bank of India 1I deem it a privilege to have been invited to address this gathering on a topic of tremendous relevance, focus and significance in today’s context. Needless to say, for the co-operative banks in India these are transitional times. Never before has the need for restoring customer confidence in the co-operative sector been felt so much. Never before has the issue of good governance in the co-operative banks assumed
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India
by Vepa Kamesam Deputy Governor, Reserve Bank of India 1I deem it a privilege to have been invited to address this gathering on a topic of tremendous relevance, focus and significance in today’s context. Needless to say, for the co-operative banks in India these are transitional times. Never before has the need for restoring customer confidence in the co-operative sector been felt so much. Never before has the issue of good governance in the co-operative banks assumed
જુલાઈ 20, 2001
Credit through Co-Operatives : Some Thoughts
Let me at the outset thank the Chairman and other Executives of the National Co-operative Agricultural & Rural Development Banks’ Federation Ltd. for having invited me here today. The Federation has played a very important role in providing the members a forum for joint consultations and inputs for policy formulation since its inception in 1960. It has also been instrumental in facilitating a series of initiatives for beefing up the co-operative structure by bring
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India
Let me at the outset thank the Chairman and other Executives of the National Co-operative Agricultural & Rural Development Banks’ Federation Ltd. for having invited me here today. The Federation has played a very important role in providing the members a forum for joint consultations and inputs for policy formulation since its inception in 1960. It has also been instrumental in facilitating a series of initiatives for beefing up the co-operative structure by bring
મે 10, 2001
Urban Co-operative Banks: Agenda for Future Reforms
It is very gratifying to note that Federation of Indian Chambers of Commerce and Industry (FICCI) as Apex representative body of Indian Trade & Commerce has evinced keen interest in Urban Co-operative Banks (UCBs), the purveyors of credit to small and medium enterprises. As urban co-operative banking sector is under focussed scrutiny of media and observers of co-operative credit movement, I feel it is very apt that organisers chose 'Reforms in urban banking sector
Shri Jagdish Capoor, Deputy Governor, Reserve Bank of India
It is very gratifying to note that Federation of Indian Chambers of Commerce and Industry (FICCI) as Apex representative body of Indian Trade & Commerce has evinced keen interest in Urban Co-operative Banks (UCBs), the purveyors of credit to small and medium enterprises. As urban co-operative banking sector is under focussed scrutiny of media and observers of co-operative credit movement, I feel it is very apt that organisers chose 'Reforms in urban banking sector
જૂન 13, 2000
Changing Role of RBI: Agenda for Attention
Mr. Chairman and friends, I am grateful to the organisers of the Madon Memorial Lecture for inviting me to deliver this Lecture. That the contributions of Shri B.F. Madon are of lasting value is evident from the fact that although, over seventy years have elapsed since he passed away, lectures in his memory are organised, and the response is still overwhelming. There are several reasons why I feel especially elated at my association with this lecture series. First, Ma
Dr. Y. V. Reddy, Deputy Governor, Reserve Bank of India
Mr. Chairman and friends, I am grateful to the organisers of the Madon Memorial Lecture for inviting me to deliver this Lecture. That the contributions of Shri B.F. Madon are of lasting value is evident from the fact that although, over seventy years have elapsed since he passed away, lectures in his memory are organised, and the response is still overwhelming. There are several reasons why I feel especially elated at my association with this lecture series. First, Ma
રિઝર્વ બેંક ઑફ ઇન્ડિયા મોબાઇલ એપ્લિકેશન ઇન્સ્ટૉલ કરો અને લેટેસ્ટ ન્યૂઝનો ઝડપી ઍક્સેસ મેળવો!
પેજની છેલ્લી અપડેટની તારીખ: ઑગસ્ટ 29, 2024
