Anchor india 2015

Contents Banks

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167

Coconut

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247

Coffee

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259

Coir

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273

Dream Makers

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195

Marine Resources

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233

Medical Tourism

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015

Te a

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267

P C Chambers, Ashirbhavan Lane Kacheripady, Kochi - 682 018 00 91 484 2391023, 4051532 mail@infokerala.in www.infokerala.in Managing Editor Prasanth Valamkudiyil Editor Biju Mathew Associate Editors Maya Menon R. Vishnu Raj Joseph Mathew K.C. Ramesh Craft Sijoy Fernandez Photos Jeny Ambooken Coir Board Malabar Institute of Medical Sciences Ltd. Lakeshore Hospital & Research Centre Ltd. Baby Memorial Hospital Ltd. Aster DM Healthcare Ltd. Kerala Tourism Department Biju George Somatheeram Nechupadam Dental Clinic Business Associates Cyriac Antony 4/32 Thomas Street, St. Albans, VIC 3021 Australia, 00 61 393107506 Aju Mathew 9/192 St SW, Bothell, WA - 98012 United States, 001 425 939 0929 Eighth Edition 2015, Anchor India, Printed & Published by Prasanth Kumar V.T. on behalf of Info Kerala Communications Pvt. Ltd. Editor: P.M. Biju, Printed at Viani Printings Ernakulam. Vol No. 1, April 2015, Reg No. M6 / 31925 / 06, Issue No. 8 Price Rs. 399/- Overseas US $ 35 Information has been obtained from sources belived to be reliable, but its accuracy, completeness and the opinions based thereon are not guaranteed. As every effort is made to provide accurate information in this publication, we would appreciate it if readers would call our attention to any errors that may occur by communicating with Info Kerala Communications Pvt. Ltd. to this number 0484 2391023 or at our address.

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Preface India, bounded by the majestic Himalayan ranges in the North and edged by an endless stretch of golden beaches, is the land of hoary tradition and cultural diverse. Vivid kaleidoscope of landscapes, glorious historical sites and royal cities, misty mountain hideaways, colourful people, rich civilizations and festivities craft India Incredible. The delightful South India where Indian heritage is more intact has much to offer to this ancient tradition.

Humankind’s medical odysseys in search of destinations of heavenly healing have a long history. In the modern age, man wanted to move around as he wanted to see places which had been alien to him hitherto. India is one of the prime places to fulfill the natural instinct of man to move from one place to another and get unperturbed. Now, he is exploring places not only for satiating his thirst for seeing newer lands alone but people travel across the globe in search of health destinations as well. With the most sought after professionals and excellent network of hospitals India is becoming the very hot medical tourism destination in the world.

As in the magnificent past, nowadays India is extremely renowned for its coir, coconut, marine resources, tea and coffee. The financial institutions are playing an important role in the growth of the country.

This great historical soil turns out to be an abode of investment.

The prime place is specified to real estate. Real estate is akin to a gold mine. In times of misery, it will yield gold.

And, we are equipped for you with some illuminations which enhance her significance in the world map. Anchor India depicts the most vibrant Indian scenario of medical tourism, banks, coir, coconut, coffee, tea, marine resources, space making and space makers along with amazing tourism maturity of the country.

Editor

Advisory Board Padmashri Dr. Philip Augustine The Managing Director & CEO, Lakeshore Hospital & Research Centre George Paul The Managing Director, Synthite Industrial Chemicals Pvt. Ltd. N. Asokan The Executive Director and CEO, Mather Group M.C. Balachandradas The Managing Director, Sree Sankara Group Leagal Advisors Adv. Tony Chacko Adv. S. Renjith Adv. Binu Zacharia Adv. Haridas P. Nair sincere thanks to our associates and benefactors who guided and encouraged us for this venture

On the Trail of Heavenly Healing Humankind’s medical odysseys in search of destinations of heavenly healing have a long history. Even the ancient civilizations recognized the therapeutic effects of mineral 016 medical tourism

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thermal springs and sacred temple baths. For example, the Sumerians constructed health complexes around hot springs more than four thousand years ago, which included temples with flowing pools. According to historical records,

ancient Romans built resorts with thermal health spas, and therapeutic temples thrived during the Greek domain.

Ancient Greeks were known for their travels to the sanctuary of the healing god, Asclepius, believed to reveal remedies for different ailments in the dreams. This sanctuary was in fact a small territory in the Saronic Gulf named Epidauria - today considered as the birthplace of medical tourism as we know it.

Evolution of Health Odysseys It was the Europeans in the sixteenth and seventeenth century that are responsible for the development of a modern pleasure resort concept. Seaside resorts in the United Kingdom such as Blackpool or Margate were built due to the belief of the British elite that there are real curative powers in sea waters and sea air. Very quickly England saw a boom of different spa towns and sanatoriums accommodating those who could afford to make the trip. Spas and mineral water were used to cure illnesses such as various skin infections, poor digestion and rheumatism. In mainland Europe, Switzerland offered a plethora of towns grown up around mineral springs of St. Moritz, Lausanne, Interlaken and Baden. Equally popular were the other destinations into Austria, Hungary and Germany, says Dr Tomislav MeĹĄtroviĂŚ, MD, PhD who writes on Medical Tourism. The formation of the railways increased the flow of people to more remote coastal and seaside resorts, providing in turn a unique and escapist environment from urbanization, as well as the opportunity to practice what was viewed as a healthy pleasure of sunseeking. The discovery of the New World revealed new destinations for medical travellers from Europe. Dutch and English colonists assembled log cabins alongside mineral springs in the 1600s. During this period, Native Americans in the New World were notably adept in the healing arts.

In the United States and Canada, mineral springs were used for the development of spa tourism, around which the first national parks have been established. The

physical morphology of springs can result in distinctive natural landscapes that also helped draw visitors from all corners of the world (Yellowstone National Park in Wyoming, USA). In the nineteenth century, wealthy tuberculosis sufferers from Europe often travelled to and 020 medical tourism

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lived in south-west United States, seeking different climate conditions in order to improve their health. That kind of behaviour arguably predates modern-day lifestyle retirement and second home migration for similar reasons of extending quality of life. However, travelling with the

intention of receiving treatments, such as cosmetic surgery, dental care and other complex procedures is a relatively new phenomenon, having begun only several decades ago throughout the world.

The Asian Story Asia too has a exciting history of medical tourism. Japan’s affluence of natural mineral springs has been a favourite health retreat for centuries, and they are also a central feature of Japanese tourism even today. These springs are known to have healing powers derived from its mineral 022 medical tourism

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content. Different warrior clans also took notice of these springs and used them to heal wounds, alleviate pain and recuperate from their battles. Yoga and Ayurvedic medicine grew in popularity five thousand years ago in India, wherein constant streams of medical travellers and spiritual students flocked to pursue the benefits of these alternative healing methods. India earned reputation as the centre of Eastern spiritual, cultural and medicinal progress when Buddhism came along 2500 years later.

Today it is one of the most popular destinations for medical tourists.

The Driving Factors Medical tourism or health tourism is the travel of people to another country for the purpose of obtaining medical treatment in that country. Traditionally, people would travel from less developed countries to major medical centres in highly developed countries for medical treatment that was unavailable in their own communities. The recent trend is for people to travel from developed countries to third world countries for medical treatments because of cost consideration, though the traditional pattern still continues. Another reason for travel for medical treatment is because some treatments may not be legal in the home country, such as some fertility procedures. Some people travel to obtain medical surgeries or other treatments.

Some people go abroad for dental tourism or fertility tourism. People with rare genetic disorders may travel to another country where treatment of these conditions is better understood and available.

Factors that have led to the increasing popularity of medical travel include the high cost of health care, long wait times for certain procedures, the ease and affordability of international travel, and improvements in both technology and standards of care in many countries. The avoidance of waiting time is the leading factor for medical tourism from the UK, whereas in the US, the main reason is cheaper prices abroad. Many surgery procedures performed in medical tourism destinations cost a fraction of the price they do in the First World. For example a liver transplant that costs US$300,000 in the US costs about US$91,000 USD in Taiwan. Countries that operate public health-care systems often have long wait times for certain operations.

Using Canada as an example, a study revealed that an estimated 782,936 Canadians spent time on medical waiting lists waiting an average of 9.4 weeks. Canada has set waiting-time benchmarks, for example, 26 weeks for a hip replacement and 16 weeks for cataract surgery. Medical tourists come from a variety of locations including Europe,

the Middle East, Japan, the United States, and Canada.

Factors that drive demand for medical services abroad in developed countries include large populations, comparatively high wealth, the high expense of health care or lack of health care options locally, and increasingly high expectations of their populations with respect to health care. In countries, like the United States, medical tourism has large growth 026 medical tourism

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prospects and potentially destabilizing implications. A forecast by Deloitte Consulting published in August 2008 projected that medical tourism originating in the US could jump by a factor of ten over the next decade. An estimated 750,000 Americans went abroad for health care in 2007, and the report estimated that 1.5 million would seek health care outside the US in 2008. The growth in medical

tourism has the potential to cost US health care providers billions of dollars in lost revenue. Moreover, patients in some developed countries are finding that insurance either does not cover orthopaedic surgery such as knee and hip replacement or limits the choice of the facility, surgeon, or prosthetics to be used.

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Favourite Destinations Favourite medical tourism destinations include India, Israel, Malaysia, Mexico, Singapore, South Korea, Taiwan, Thailand, Turkey, United States. Popular destinations for cosmetic surgery include Argentina, Bolivia, Brazil, Colombia, Costa Rica, Cuba, Mexico, Turkey, Thailand and

Ukraine. Some people travel for assisted pregnancy, such as in-vitro fertilization, or surrogacy, or freezing embryos for retro-production. Health tourism providers have developed as intermediaries, which unite potential medical tourists with provider hospitals and other 030 medical tourism

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organisations. Companies that focus on medical value travel typically provide nurse case managers to assist patients with pre and post travel medical issues. They may also help provide resources for follow-up care upon the patient’s return.

How it Operates?

There are typical processes for embarking a medical tourism trip. In most cases, the person seeking medical treatment abroad contacts a medical tourism provider. The provider usually requires the patient to provide a medical report, including the nature of ailment, local doctor’s opinion, medical history, and diagnosis, and may request additional information. Certified physicians or consultants then advise on the medical treatment. The approximate expenditure, choice of hospitals and tourist destinations, and duration of stay etc. are discussed. After signing consent bonds and agreements, the patient is given recommendation letters for a medical visa, to be procured from the concerned embassy. The patient travels to the destination country, where the medical tourism provider assigns a case executive, who takes care of the patient’s accommodation, treatment and any other form of care. Once the treatment is done, the patient can remain during the visa period in the tourist destination or return home.

Accreditation System International healthcare accreditation is the process of certifying a level of quality for healthcare providers and programs across multiple countries. International healthcare accreditation organizations certify a wide range of healthcare programs such as hospitals, primary care centres, medical transport and ambulatory care services.

The oldest international accrediting body is Accreditation Canada, formerly known as the Canadian Council on Health Services Accreditation. In the United States, the accreditation group, Joint Commission International (JCI) was formed in 1994 to provide international clients education and consulting services. Many international hospitals today see obtaining international accreditation as a way to attract patients world-wide. Joint Commission International is a relative of the Joint Commission in the United States. Both are US style independent private sector not-for-profit organizations that develop nationally and

internationally recognized procedures and standards to help improve patient care and safety. They work with hospitals to help them meet Joint Commission standards for patient care and then accredit those hospitals meeting the standards. The different international healthcare accreditation schemes vary in quality, size, cost, intent and the skill and intensity of their marketing. They also vary in terms of cost to hospitals and healthcare institutions making use of them. Increasingly, some hospitals are looking towards dual international accreditation, perhaps having both JCI to cover potential US clientele, and Accreditation Canada. As a result of competition between clinics for American medical tourists, there have been initiatives to rank hospitals based on patient-reported metrics. In the UK, the United Kingdom Accreditation Forum (UKAF) is an established network of accreditation organisations with the intention of sharing experience good practice and new ideas around the methodology for accreditation programmes, covering issues such as developing healthcare quality standards, implementation of standards within healthcare organisations, assessment by peer review and exploration of the peer review techniques to include the recruitment, training, monitoring and evaluation of peer reviewers and the mechanisms for awards of accredited status to organisations. National Accreditation Board for Hospitals & Healthcare Providers (NABH) is a constituent board of Quality Council of India, set up to establish and operate accreditation programme for healthcare organisations in India. NABH is an institutional member of International Society for Quality in Health Care (ISQua) as well as member of its Board and Accreditation Council. NABH standards for hospitals have been approved by ISQua. International Society for Quality in Health Care (ISQua) is an international body which grants approval to Accreditation Bodies in the area of healthcare as mark of equivalence of accreditation programme of member countries. The accreditation of NABH standard for hospitals authenticates that NABH standards are in consonance with the global benchmarks

set by ISQua and thus hospitals accredited by NABH will have international recognition. NABH is also one of the founder members of newly emerging Asian Society for 036 medical tourism

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Quality in Healthcare (ASQua). This initiative aims at strengthening the Asian representation at international level and improves the quality structure in healthcare.

India, the Choicest Healing Destination Medical tourism is one of the fastest growing sectors in India. The sector is expected to experience an annual growth rate of 30%, making it a US$2 billion industry by 2015, according to estimates. As medical treatment costs 038 medical tourism

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in the developed world skyrocketing with the United States leading the way, more and more Westerners are finding the prospect of international travel for medical care increasingly appealing. Confederation of Indian Industry reported that 150,000 medical tourists came to India in

2005, based on feedback from the organization’s member hospitals. The number grew to 200,000 by 2008. A separate study by ASSOCHAM reported that the year 2011 saw 850,000 medical tourists in India and projected that by 2015 this number would rise to 3,200,000. According to some estimates medical tourism in India is rising at a rate of 30 percent per annum. The availability of state-of-the-art procedures and surgeries made this possible. Hospitals and medical care centres of the country offer alternative medical facilities to people, which help patients to recover faster. This is the main reason behind the popularity of medical tourism in the country. This has increased the number of medical tourists in the country. People can get a change to get the benefits of both medical procedures and state-of-the-art procedures at the same time.

To capitalise on the comparative cost advantage enjoyed by domestic health facilities in the secondary and tertiary sector, India’s Health policy provides for encouraging the supply of services to patients of foreign origin on payment.

The rendering of such services on payment in foreign exchange will be treated as ‘deemed exports’ and will be made eligible for all fiscal incentives extended to export earnings. India offers state-of-the-art procedures to medical tourists and this helps to promote the country as a great medical tourism destination. In a country as diverse as India, the health care industry has capitalized on its rich cultural resource and glorious past. India has the most competent doctors, world class medical facilities and with most competitive charges for treatment, it’s a very lucrative destination for people wanting to undergo treatment of certain medical problems. India’s health care domain is in fact crowded with a lot of hospitals offering world class treatments in nearly every medical sector such as cardiology and cardiothoracic surgery, joint replacement, orthopaedic surgery, gastroenterology, ophthalmology, transplants and urology to name a few. The various specialties covered are Neurology, Neurosurgery, Oncology, Ophthalmology, Rheumatology, Endocrinology, ENT,

Paediatrics, Paediatric Surgery, Paediatric Neurology, Urology, Nephrology, Dermatology, Dentistry, Plastic Surgery, Gynaecology, Pulmonology, Psychiatry, General Medicine and General Surgery. For long promoted for its cultural and scenic beauty, India is now being put up on international map as a haven for those seeking quality and affordable healthcare. Leisure Tourism is already very much in demand in India as the country offers diverse cultural and scenic beauty. India has almost all sort of 042 medical tourism

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destinations like high mountains, vast deserts, scenic beaches, historical monuments, religious temples etc.

Known for its hospitality for tourists, the county has opened doors to welcome with the same hospitality for medical patients or service seekers. Industry watchers are hoping that the lifting of the 60-day visa restriction for tourists from abroad will encourage foreign tourists to visit the country and use it as a hub while visiting Southeast Asia and neighbouring countries.

Advantage India Advantages for medical treatment in India include reduced costs, the availability of latest medical technologies, and a growing compliance on international quality standards, as well as the fact that foreigners are less likely to face a language barrier in India. The Indian government is taking steps to address infrastructure issues that hinder the country’s growth in medical tourism. In a major step, the government has removed visa restrictions on tourist visas that required a two-month gap between consecutive visits for people from Gulf countries, which is likely to boost medical tourism. A visa-on-arrival scheme for tourists from select countries, which allows foreign nationals to stay in India for 30 days for medical reasons. In Noida, which is fast emerging as a hotspot for medical tourism, a number of hospitals have hired language translators to make patients from Balkan and African countries feel more comfortable while at the same time helping in the facilitation of their treatment. Most estimates claim treatment costs in India start at around a tenth of the price of comparable treatment in America or Britain. The most popular treatments sought in India by medical tourists are alternative medicine, bone-marrow transplant, cardiac bypass, eye surgery and hip replacement. India is known in particular for heart surgery, hip resurfacing and other areas of advanced medicine. India’s cutting edge is that lower treatment cost does not necessarily mean lower healthcare standards. There are 21 JCI accredited hospitals in India and growing. However, for a patient travelling to India, it is important to find the optimal Doctor-Hospital combination. After the patient has been treated, the patient has the option of either recuperating in the hospital or at a paid accommodation nearby. Many hospitals also give the option of continuing the treatment through telemedicine. There is an array of health care centres that provide equivalent or better medical services.

In addition, with an enviable composition of highly qualified and experienced surgeons and physicians,

certified nurses and paramedical staff, Indian healthcare system is considered to be as safe and reliable as that prevailing in the Western countries. Guests are given a place equal to that of God in Indian culture. It is this tradition that makes the Indian people to provide the personalized touch, giving a homely feeling to their guests. Indians strongly believe that their warmth and caring provide a healing touch by relieving the mental as well as physical stress. ‘Unity in Diversity’ is how one can describe India - A land of different cultures, different people, languages and foods spread across a varied terrain, from the unmatched Himalayan beauty of Kashmir in the North to unparalleled beaches of Kerala in the South. With a plethora of architecturally remarkable historical monuments and sites, India has always captivated tourists from around the world.

Medical tourism is also taking shape as an industry in India.

There are over 3,371 hospitals and around 750,000 registered medical practitioners in India.

Destination South In the area of healthcare South India has a cutting edge in respect of the facilities available, lower cost and an array of modern and traditional systems of medicine and treatment to chose from apart from cultural diversity and natural charms of the landscape. That’s why South India has a pride of place in the global medical tourism map.

South Indian states of Kerala, Karnataka and Tamil Nadu have much to offer to the amazing strides of medical tourism. Apart from having a chain of specialty hospitals, clinics and health centres that can compete with the best healthcare facilities anywhere in the world, the very ambience and culture of these states make them an ideal destination of medical tourists. Medical tourism has rapidly become a more popular way of travelling to South India with the advantage of cost-effective medical facilities amidst the spectacular sceneries afforded by the picturesque location of the hospitals and healthcare centres. Better medical facility was found to be a highly

significant factor in foreign patients visiting South Indian hospitals. This is undoubtedly a reflection of the quality of the medical service offered by the service providers in the Medical Tourism Industry in these states. During the post liberalization era, India has outsmarted many other countries so far as the advancement of science and 048 medical tourism

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technology are concerned. Medical science and healthcare services in the country have reached new peaks in the last decade. Earlier, the advanced healthcare was the monopoly of the developed countries. So, many a people who could afford the expenses went abroad high quality medical treatment. Now the scenario has changed drastically.

Though the cost of treatment is low in India, compared many other countries which provide world class healthcare, the cost of quality treatment is high for an average Indian.

In healthcare, South India is often compared with the developed countries rather with other parts in the country.

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South India is the home of Ayurveda, the centuries old alternate stream of treatment. These states do also have an array of alternative medical and healthcare systems.

These alternate methods of treatment were proven and practiced for over centuries as compared to the

comparatively newfound allopathic stream. The region can also boast of a host of premiere medical research and training institutes like the Indian Institute of Science (IISc) at Bangalore which is engaged in decoding the genetic pool and exploring the various facets and the possible applications of nanotechnology - a revolution in noninvasive therapy. Medical Tourism in South India is centred on Specialty Hospitals, Cardiac Care, General Surgery, Dental Care, Fertility Treatment, Transplant Surgery, Ophthalmology, Orthopaedic Treatment and Alternative Medicines like Ayurveda. Then Dentistry and Modern Medicine sectors also followed the suit. A recent study 052 medical tourism

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has found that the choice of treatment of Medical Tourists is different. While Medical Tourists from Germany, France, Switzerland and USA etc. give more importance to Ayurveda, those from Middle East, UK, Germany and Canada etc. give more importance to Modern Medicine.

South India has all the potential to emerge as the nerve centre of Indian medical tourism on account of its competitive and innovative edge in the areas of Specialty treatment, Treatment cum leisure destination, Availability of medical experts, Low cost consulting fee, Low treatment cost, No waiting period for treatment and Availability of advanced equipments.

Kerala, the God’s Own Country: Kerala enjoys unique geographical features. With the high ranges of Western Ghats in the East and the Arabian Sea in the West, Kerala is the most beautiful state in the South West corner of the Indian peninsula. V irgin beaches, romantic backwaters, exalting hill stations, delighting waterfalls and great historical monuments craft Kerala breathtakingly incredible. Kerala is also called The Spice Garden of India.

It is the land of everlasting festivals and vibrant art forms.

The multicultural land with peoples from diverse religions, 054 medical tourism

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communities and sects is an abode of prosperous legacy.

The year-round festivals proffer golden opportunities to explore the tradition and cultural heritage of this great historical soil. The tiny state which secured 100 percent literacy in 1991 is up to international standards in many areas. The state famous as ‘God’s Own Country’ is gifted with moderate climate and civilized and hardworking people. When the states were reorganized after independence, Kerala was formed amalgamating erstwhile princely states of Travancore and Cochin with Malabar and

a province in the then Madras state. The total area of 38,863 sq km is divided into 14 districts and the total population is 31,838,619 and Malayalam is used as the mother tongue. According to the geographical peculiarities, the state can be divided into three regions such as the High lands, Midlands and the Lowlands. The Highlands slant from the meandering Western Ghats with a height of 900 metres and peaks well above 1,800 metres in height.

This is the area of major plantations like tea, coffee, rubber, 056 medical tourism

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cardamom and other spices. The mist-clad mountain areas are renowned for tourism as well. The Midlands, lying between the mountains and the lowlands, is made up of hills and valleys. Lowlands are mainly coastal areas. The Lowlands, like Alappuzha are identified as the land of beaches, lakes and canals. Beaches and voyages in the backwaters in house-boats are prime tourist attractions for the tourists here. It gives chance to experience the village life of God’s Own Country.

Karnataka, One State Many Worlds: Karnataka is a tapestry of colours, cultures, flavours, landscapes, timelessness and heart- stopping beauty. The recorded history of Karnataka goes back more than two millennia. Host to some of India’s largest and most powerful dynasties, the state has across the centuries, carried a legacy of art and culture as varied as its geography - making it, by all means, a 191,791 sq km trail of whimsy. The state has recorded tremendous success 058 medical tourism

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in the fields like education, literature, agriculture, industry and tourism. Bengaluru, formerly known as Bangalore, the capital city is the sixth largest city in India. Over the years the city has become a major manufacturing base and IT destination. In fact the city has firmly established itself as the Silicon Valley of India. Karnataka is also known as the land of science and technology. Extending from the Arabian Sea and the fertile forest ridges of the Western

Ghats to the drier, boulder-strewn region of the Deccan Plateau, Karnataka’s picturesque location is remarkable.

Karnataka is home to 507 of the 3600 centrally protected monuments in India, the largest number after Uttar Pradesh. The State Directorate of Archaeology and Museums protects an additional 752 monuments and another 25,000 monuments are yet to receive protection.

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Tourism revolves around the ancient sculptured temples, modern cities, the hill ranges, forests and beaches.

Broadly, tourism in Karnataka can be divided into four geographical regions: North Karnataka, the Hill Stations, Coastal Karnataka and South Karnataka. The Karnataka Government has recently introduced The Golden Chariot, a train which connects popular tourist destinations in the

state and Goa. Karnataka preserves its past glory by observing various fairs and festivals, retaining its art and crafts and by performing various dances and music forms.

It is the birth place of the Indian classical music. The most unique feature of Karnataka is that it is the only province where both the main styles of Indian Music (Karnataka and Hindustani) are performed side by side.

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Enchanting Tamil Nadu: Tamil Nadu is a state in the South East part of the Indian Peninsula. The history of Tamizhagam goes back about 5000 years and more. It is the birthplace of Dravidian culture in India. The Chera, Chola and Pandya ruled the Dravidian country from which modern Tamil Nadu formed. In the 4th Century AD the Pallavas of Kanchipuram, became the rulers. They

dominated the land for 400 years. The rise of Muslim power in India had its impact on Tamil Nadu. The establishment of the East India Company at Madras in 1639 was a crucial chapter in the history of Madras. When India attained independence in 1947, the Madras province, comprising Tamil Nadu and parts of Kerala in the west and Andhra Pradesh in the north continued as the State of Madras. But 064 medical tourism

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the demand for a separate Telugu speaking state compelled the Government of India to bifurcate the state into two, into the Telugu-speaking Andhra Pradesh and Tamil-speaking Tamil Nadu. The old capital Madras city was retained by the new Madras state. Under the States Reorganization Act 1956, Madras lost the Malabar district and the Kasaragod taluk to the newly formed Kerala State.

At the same time, Madras gained four taluks of Trivandrum district and one taluk of Kollam district. In 1969, January, Madras State changed its name to Tamil Nadu. The capital city was renamed as Chennai in 1996. Tamil Nadu, a state in Southern India, is bordered on the North by the State of Andhra Pradesh, on the Northwest by the Karnataka State, on the West by the Kerala State and on the East and South by the Bay of Bengal and the Indian Ocean. Occupying an area in the extreme south of the Indian peninsula, Tamil Nadu has an area of 130,058 sq km (50,215 sq mi). The State of Tamil Nadu is divided into 32 districts, which in turn are further bifurcated into smaller divisions and subdivisions including a total of 17,272 villages. Chennai formerly known as Madras, is the capital city of the state and India’s fourth largest metropolis. It extends over an area of 174 sq km. This city houses Asia’s largest hospitals which has recently spurred a new wave of medical tourism.

The city of Chennai has been termed India’s health capital.

Multi and Super specialty hospitals across the city bring in an estimated 150 international patients every day.

Chennai attracts about 45 percent of health tourists from abroad arriving in the country and 30 to 40 percent of domestic health tourists.

In healthcare, South India is often compared with the developed countries rather with other parts in the country.

This fact proves the mettle of the service provided in Kerala, Karnataka and Tamil Nadu.

Professional Excellence In both health and education South India states has been keeping up with the international standards for decades.

Internationally, the medical fraternity from South India is among the most sought after professionals. The ever growing number of doctors, nurses and paramedical staff working abroad testify to their calibre. According to reports, around 35 percent of doctors working in the United States are either Indians or those with Indian origins. Of them, South Indians constitute a great chunk. In Britain, around

80 percent of the doctors working in hospitals under National Health Service (NHS), the network of hospitals run by the Government for the welfare of their citizens, are from India. The number of South Indians among these Indian doctors is high. Middle-East also portrays a similar picture. Nurses and paramedical staff from South India also outnumber other overseas groups in many countries.

These doctors get an opportunity to have hands-on experience in most modern techniques and innovations in the medical world. When such doctors return home and join a hospital in South India after years of service in such countries, they also carry a treasure of experience with 068 medical tourism

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them. Besides the much needed expertise, they are familiar with the attitudes and behavioural patterns of the people from across the globe. This comes handy for these doctors while treating patients from abroad. Being the backbone of the health care system in the country, those devoting their lives to services in the health sector here also have vast experience and caliber. Many of the doctors do have international stature. South Indian states are internationally renowned not only for a low birth-rate and a high life-span of people but also for the surgeons and physicians who carried out complex surgeries and other treatments elegantly.

Excellent Hospital Networks South India has more private institutions participating in Medical Tourism. Confederation of Indian Industry (CII) has been attempting to bring several medical institutions under one umbrella. They have already succeeded in bringing more hospitals under the umbrella of medical tourism. CII started medical tourism promotion in South India with several hospitals. These states have a number of hospitals which can compete with those in the developed 070 medical tourism

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countries and these hospitals are in a position to offer many consultancies under one roof with eco friendly environment. Many hospitals in South India are already accredited by National Accreditation Board for Hospitals and Health Care Providers (NABH). NABH is an institutional member of International Society for Quality in Health Care (ISQua) as well as member of its Board and Accreditation Council. NABH standards for hospitals have been approved

by ISQua. International Society for Quality in Health Care

(ISQua) is an international body which grants approval to Accreditation Bodies in the area of healthcare as mark of equivalence of accreditation programme of member countries. The accreditation of NABH standard for hospitals authenticates that NABH standards are in consonance with the global benchmarks set by ISQua and thus hospitals accredited by NABH will have international recognition.

NABH is also one of the founder members of newly emerging Asian Society for Quality in Healthcare (ASQua).

This initiative aims at strengthening the Asian representation at international level and improves the quality structure in healthcare. The NABH standards for hospitals have been drafted by the technical committee of NABH and contain a complete set of standards for evaluation of facilities for granting accreditation. The standards provide a framework for quality assurance in treatment offered.

The standards, which are equally applicable to facilities in the government as well as the private institutions, focus on patient safety and quality of care.

Improving Technology and Better Medical Facility Better medical facility was found to be a highly significant factor in foreign patients visiting South Indian hospitals.

This is undoubtedly a reflection of the quality of the medical service offered by the service providers in the Medical Tourism Industry in these states. During the post liberalization era, India has outsmarted many other countries so far as the advancement of science and technology are concerned. Medical science and healthcare services in the country have reached new peaks in the last decade. Earlier, the advanced healthcare was the monopoly of the developed countries. So, many a people who could afford the expenses went abroad high quality medical treatment. Now the scenario has changed drastically.

Though the cost of treatment is low in India, compared many other countries which provide world class healthcare, the cost of quality treatment is high for an average Indian.

In healthcare, South India is often compared with the developed countries rather with other parts in the country.

Robotic surgery, which is fast gaining popularity abroad, is taking roots in India too. Robotically assisted surgery was developed to overcome the limitations of minimally invasive surgery and to enhance the capabilities of surgeons performing open surgery. Robotic surgery is being increasingly preferred to open surgery or laparoscopic 074 medical tourism

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surgery for most gynaecology related operations including benign ovarian tumour, complex hysterectomy, fibroids in the uterus, lymph node dissection for uterine cancer& cervical cancer and severe endometriosis. Instead of using the surgery instruments by hand, robotic arms are used which are controlled by efficient surgeons with the help of

advanced computers. The surgeon controls these instruments and the camera from a console located in the operating room.

Placing his fingers into the master controls, he is able to operate all four arms of the da Vinci Si - the world’s most advanced surgical robot, simultaneously while looking through a stereoscopic high-definition monitor that literally places him inside the patient, giving him a better, more detailed 3-D view of the operating site than the human eye can provide. The ultimate effect is to give the surgeon unprecedented control in a minimally invasive environment.

The patients can experience a number of benefits compared to open surgery, including less trauma on the body, minimal scarring, and faster recovery time. It is going to be interesting to see how Robotic surgery is going to shape up in south India in the coming years. With larger volumes and increasing number of hospitals employing the technology, the expenses are to take a downward spiral. There are also several companies with medical robots in pipeline and with their emergence we would witness a paradigm shift in the market.

Traditional Systems of Medicine The traditional systems of medicine like Ayurveda, Siddha and Naturopathy are the main attractions of South India as far as medical tourists are concerned. When it comes to serious marketing efforts abroad, alternate Medicine sector is much ahead of Modern Medicine. The fact is that the Alternate Medicine sector is in the forefront of exploiting the tourism potential involved in medical tourism and takes serious efforts for its promotion. Till recently, it was mainly the Europeans who come to South India seeking alternative treatments. But the trend is slowly changing with those from the middle-east also started to flock for taking Ayurveda and other alternative treatments. Many of the tourists who visit these states choose ayurvedic massage and treatment on hearing about it. According to the hoteliers, it is an unprecedented thing which testifying to the fact the Ayurveda and other alternative medicines are attracting more and more people across the globe.

International Connectivity South India has some of the best international airports plus the bet road and rail connectivity no dearth of international airports so as to facilitate the arrival of health tourists from abroad to any of the states within.

Bangaluru has got a new international airport while the Kochi International Airport has a thriving business. A good chunk of passengers using these gateways are medical tourists from abroad. tourist arriving here by air can reach any of the locations in these southern states with just a 078 medical tourism

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couple of hours drive from the nearest international airport. Easy accessibility is the most important factor for the growth of tourism. Earlier, the costs to cities in these states from other Indian cities like Delhi were as high as the fares to destinations in South-East and Middle-East. But the situation has changed for the good thanks to the Open Sky Policy and the emergence of budget airlines in the country. More and more international airlines are vying with each other to have connections to these South Indian states.

High Cost of Healthcare in Developed Countries Higher expense in developed countries and the comparative cost advantage that South Indian hospitals offer is another factor. One reason for steady arrivals of Foreign Patients from UK to India is that the British NHS (National Health Service) for poor citizens is heavily burdened and in disarray. The very fact that the Indian costs being only 1/6th of UK attract the lower and middle income groups to India. Meanwhile in the US the cost of medical treatment is so high that only 10% can afford the costs, while Indian costs are only 1/10th. The global economic meltdown also has been helpful for turning the attention of medical tourists to India. The economic slowdown provided an opportunity for the foreigners to have a firsthand experience on Indian healthcare system.

They got medical services on a par with international standards at affordable cost. Even though the economic system of many of the developed countries are back on track now, their citizens who enjoyed the healthcare service offered in India at least once continue to stick on to it. The number of foreigners arriving in South Indian states for availing healthcare services also has increased significantly. Many of the branches in healthcare including orthopaedics, gynaecology, cardiology, cosmetic and dentistry have found a place in the list of most sought after medical services by foreigners.

Trustworthy System Great confidence that foreign patients have in the treatments available in these states is a testimonial of the high quality of South India’s holistic healthcare system.

Though number of medical tourists from across the globe visiting South India has been surging for the last few years, it is those from the Gulf countries who have outnumbered others in this regard. Trade links between South India and many of the Gulf countries which dates back thousands of years coupled with the large number migration from southern part of India to these countries in search of job 080 medical tourism

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has provided them a better knowledge of South India. This comes handy for Kerala, Karnataka and Tamil Nadu to beat many other competitors. While advising their patients for better medical aid, the most of the medical practitioners in Gulf countries ask them to go to South India, thanks to their faith in the healthcare system here.

Ambassadors of Indian Medical Services Some of the other plus points of South India’s Medical Tourism are related to the fact that doctors and nurses from these states are accepted all over the world, the people of the south Indian states are known for their compassion and NRIs all over the world function as ambassadors for Kerala, Karnataka and Tamil Nadu. In fact some US NRIs function as entrepreneurs facilitating Medical Tourism to South India and many NRI Travel Agents operate in Medical tourism arranging to and fro travel, treatments and sightseeing. With globalization more countries have started to pump in money into Indian market paving way for an opportunity for India to showcase its potentials before them. On the other hand, the workforce and experts of the country have started to long for a job abroad in an unprecedented manner in the post globalization era. They, mainly the doctors and nurses working abroad, also act as ambassadors of Indian medical services. This has started to draw more medical tourists to the country. South India also has a host of well known medical colleges and nurses training establishments producing thousands of doctors and nurses to serve the ailing at home and abroad.

Fantabulous Infrastructures The health sector in the United Kingdom conducted a survey to find the reasons for the English seeking medical assistance from other countries. Most of the hospitals in the UK come under the government department of National Health Service (NHS). The network of hospitals under NHS provides most advanced health care to the citizens of the UK. Yet, the number of citizens seeking medical aid in other

countries is on the rise. The questionnaire given to those who took part in the survey had been prepared in a manner that gets at even the minutest reasons which have forced the health tourists from the country to seek other destinations. Around 90 percent of the participants gave prime importance to accommodation facilities, cleanliness and communication facilities in the hospital. Aspects like expertise of the doctors took a back seat. They want not only proper medication but cozy atmosphere as well. Rising to the expectations, many of the hospitals in South India which are up to the mark in offering medical services are now catching up with international standards in hospitality facilities in their institutions.

Domestic Health Tourism Most of the hospitals in the country offer two types of treatment. One is with high quality and high cost. The other offers the services with lesser quality and low cost. As a result only the elite class is able to go for quality treatment.

But in the southern states of Kerala, Karnataka and Tamil Nadu the foundation of them is equality, there isn’t any double standard in healthcare. The hospitals in these states offer world class treatment at a low cost. So the number of patients from other parts of the country started to seek the service in South India. This has given birth to a new branch in medical tourism - domestic health tourism.

People from other states come to the hospitals in South India for availing better treatment at an affordable cost.

Given the one billion plus population in India, the domestic health tourism is going to be an important branch in medical tourism. Giants in healthcare services in South India have already started moves to tap the potentials of domestic medical tourism.

The NRI Influx and Social Media Though number of medical tourists from across the globe visiting South India has been surging for the last few years, it is those from the Gulf countries who have outnumbered others in this regard. Trade links between South India and

many of the Gulf countries which dates back thousands of years coupled with the large number migration from southern part of India to these countries in search of job has provided them a better knowledge of South India. This comes handy for Kerala, Karnataka and Tamil Nadu to beat many other competitors. While advising their patients for better medical aid, most of the medical practitioners in Gulf countries advise them to go to South India, thanks to the credibility of the region’s healthcare system. According to the official records, India is having nearly 18-20 million NRI population. People working abroad come to their home states whenever they are to undergo treatment for all diseases except for simple nuisances. A few years back, the destinations selected by such NRIs were Delhi or Mumbai. Back then, it was the lack of proper awareness about many of the hospitals in the south Indian states that had forced the NRIs to go for other states and cities.

Now, many of the hospitals have been keen on providing proper awareness to those seeking such services about their institutions and the services rendered by them. Of late, the situation has changed a lot with the authorities of more hospitals recognizing the need for showcasing their institutions’ specialties. As a result, the number of NRIs availing the healthcare services has touched new heights. Now they have become a category of their own among the health tourists coming to South India. The advent of new trends in internet also had its positive impact in the growth of medical tourism in South India.

Most of the hospitals have own websites and social network groups providing latest information on the facilities and service packages. Word of mouth from those who have already undergone treatment also plays a major role in bringing in more foreign medical tourists to these states. Other tools by which Health care tourism is getting promoted are the websites of Tourism Departments and informative portals, foreign tie ups, promotional books, advertising and fairs.

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Specialties Edge The speciality hospitals are the mainstay of South India’s medical tourism. Many of the hospitals offer a complete package that includes consultancy with a medical specialist, diagnosis, appropriate medical treatment, pre and post-operative care, and even arrangements for a family member or attendant to stay with the medical tourist. Speciality hospitals in South India have opened their doors to patients from around the world and have gained a reputation for their quality treatment and medical care. Speciality Hospitals in South India offer treatment in various medical specialities. From specialized eye care centres to brain and spinal surgery centres, speciality hospitals offer world-class care in select medical disciplines. Many of the speciality hospitals have faculty who have studied and worked abroad and have returned to India to teach and to build a world-class medical infrastructure in India. These speciality hospitals are now attracting patients from around the world. Other specialties for which Kerala is now for include: Neurosurgery, Fertility Treatment, Transplant Surgery, Ophthalmology and Orthopaedic Treatment. Of late Bariatric surgery and robotic surgery are gaining popularity and attracting patients from abroad.

Major Specialities in Medical Tourism The South India has all the potential to grow both horizontally and vertically in healthcare. Quality treatment in any branch of medical science can be availed in the southern part of the country.

Modern Medicine The Art of Cosmetic Treatment: South India is also spinning money through cosmetic treatment. The cosmetic treatment in India especially in the south is unbelievably lower compared to the west and Gulf. The physical appearance of us depends upon a lot of factors including heredity, time and place of birth. It was as a result of the experiments by many experts from across the world that gave birth to

cosmetics treatment. Here an individual gets an opportunity to have a remake on the physical appearance of oneself according to his or her wish. Cosmetic surgeries can enhance one’s looks, persona, sensuality, physical appeal and thereby helping giving a boost to self-confidence. Once underwent a cosmetic surgery, a person will certainly feel more presentable and confident. Cosmetic surgery changes one’s appearance by altering parts of his or her body that function normally but make you unhappy. Some people make physical changes through diet, exercise, and other lifestyle changes.

Some prefer to undergo cosmetic surgery. The number of people resorting to cosmetic surgery for correcting the ‘wrong design’ of the body is growing worldwide. Sometimes the correction of even a minor cosmetic defect can make a major positive change, substantially increasing feelings of wellbeing and self-worth. Surveys conducted among those underwent cosmetic surgeries show that it brought in wholesome change in the person in a positive manner.

Cosmetic surgery is the most sought after treatment by the medical tourists across the world. South India hosts a lot of institutions which cater to the needs of those go for cosmetic surgeries. Face lift, forehead lift, fat injection/grafting, contour thread lift, double chin liposuction, cheek or chin implants, mole removal, scar revisions, facial laser resurfacing, facial rejuvenation, botox rejuvenation, filler injections, upper eyelids, lower eyelids , rhinoplasty or nose job, nasal septum corrections, lip reduction, lip augmentation, prominent ear reshaping, split ear lobe repair, liposuction, laser hair removal, breast implants, breast lift/mastopexy, breast reduction, male breast/ gynecomastia, breast reconstruction with flap, body contouring, abdominoplasty, liposuctionarms, waist, hips, thighs, legs and flanks, penile lengthening and penile thickening are some of the cosmetic treatments offered by the hospitals in South India. As in the case of other treatments, the cost for cosmetic surgeries are less in India compared to other countries, especially the developed countries. In South India, the cost of cosmetic surgeries is even lesser.

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Orthopaedics: Yet another emerging medical opportunity is in orthopedics treatments. A number of orthopedic procedures are available such as hip and knee replacement, the Illizarov technique, limb lengthening, Birmingham Hip resurfacing technique, in South Indian Hospitals. Many hospitals specialize in latest techniques and treatments such as minimal invasive surgery, cartilage and bone transplantation, spine surgery and limb sparing surgery. All kinds of musculo- skeletal problems ranging from Arthiritis to sports injuries, to complex broken bones, bone tumors and childhood conditions like scoliosis are treated most effectively. A wide range of spinal surgeries including fixation, stabilization and fusion are regularly undertaken.

Dental Care in South India: South India, the divine destination for tourists for rejuvenation and retreat is becoming more and more a tourist attraction. Not only do they carry back wonderful memoirs, but also a long lasting presentable and natural smile and lots of confidence. Dental specialist clinics in South India are equipped with state-of-the-art technology and competent doctors and supporting staff.

Most of the dental tourism providers in these states offer worthwhile dental packages. Low cost and high quality, as in the case of other treatments, are the motive force for the dental tourists for selecting South India as their destination. These specialty centres focus on all areas of dentistry like bleaching, prosthesis on the implant, dental implants, vertical and horizontal bone grafting, gum grafting, gums treatment, palatal orthodontics, intra mouth dental scanning, smile designing, root canal, teeth whitening, extraction of normal or fractured teeth under local anaesthesia, extraction of impacted wisdom teeth, ceramic caps without gold under microscopic control, maxillary surgery, dental bridges, porcelain, ceramic crowns, fluoride treatments for children, cosmetic dentistry, tooth contouring and reshaping and dental fillings. Dental tourism providers in South India offer cosmetic dentistry package to enhance the looks of a person. Under cosmetic

dentistry dental bonding, dental veneers, these custommade moldings made of porcelain or ceramic are perfect for spaces, chips, fractures, rotated or maligned teeth, distorted, or discoloured teeth. Thanks to the modern technology and skills of the dentists in South India both the tourists and the Non Resident Indians have made South India their favourite dental rehabilitation destination.

Gynaecological Edge: These departments in most of the hospitals in South India offer world class services. The hospitals have doctors, nurses and staff who are having lot of experience and expertise. They have proven records in handling any even complicated cases. They have the advantage of advanced technology and state-of-the-art equipment. People from all across the world, especially from the Gulf countries come to South India seeking the services of gynaecologists. The facilities to detect gynaecological disorders at an early stage and to prevent it are there in most of the hospitals. Those from the Gulf countries make a beeline to gynaecology departments in the hospitals Kerala, Karnataka and Tamil Nadu. Though the citizens of the rich Gulf countries can afford the cost of treatment in the Western countries, they come to South Indian States as the quality of treatment in the West and here are same. Just like in other cases, low cost is the key factor which comes in favour of South Indian hospitals while a medical tourist chooses the hospital. The hospitals in South India have women check-up programmes designed to detect the earliest signs of disorders of the breast and the organs. Mammogram and a pap-smear of the cervix and an ultrasound of the pelvis are part of medical check-up for women. Most modern treatment for disorders like menstrual abnormalities, prolapse, fibroids and other tumours of the uterus and ovaries are available in these hospitals recanalisation by microsurgery.

Infertility Treatment: Reproduction is one of the main objectives of life- not for man alone but for the entire creations. That’s why the reports that infertility cases are on the increase globally shock the mankind. If the infertility

cases were few and far between a decade ago, now it has touched an alarming level. Medical sciences and its supportive mechanism have risen to the occasion. Giving a ray of hope for millions, infertility treatment has gone much ahead. Southern India also could catch up with the world standards in the branch. Assisted Reproductive Technology (ART) is provided at specialized hospitals that offer Fertility Treatment in South India. The treatment programme includes medical check-ups of the couple, to determine the physiological causes of infertility. Once ascertained the cause, the appropriate assisted reproductive technique is prescribed. Advanced techniques such as GIFT (Gamete Intra Fallopian Transfer) and ZIFT (Zygote Intra Fallopian Transfer) are offered at wellequipped hospitals. It is the success saga of many of the infertility clinics in South India that attract more couples to seek the service in South India. The flow of domestic and international health tourists has been another reason for infertility clinics mushrooming in these states. Laparoscopic surgeries for ectopic pregnancies, ovarian cysts and tumours, tubal blocks and even hysterectomies are available. Disorders of ovulation, controlled ovarian stimulation, controlled ovarian stimulation, Intrauterine Insemination (IUI), In-V itro Fertilization (IVF), Intra Cytoplasmic Sperm Injection (ICSI) programs, Intracytoplasmic Morphologically selected Sperm Injection (IMSI), IntraFallopian Tubal Insemination (IFI), and Gamete IntraFallopian Transfer (GIFT), Embryo Transfer (ET), Zygote IntraFallopian Transfer (ZIFT), sperm donation, freezing egg/ oocyte donation, replacement of frozen embryos, full range of treatment of male infertility including micromanipulation technology and- Intra Cytoplasmic Sperm Injection are the areas where infertility treatment focus on.

Transplant Surgery: Transplant surgeries are done for replacing an organ that is no longer functioning, with another organ in good condition. Organs are being donated by living and deceased donors. Renal transplant surgery 090 medical tourism

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where a kidney is transplanted into a recipient, liver transplant surgery, where part of a liver from a donor organ is transplanted into a recipient, corneal transplant for eye donation and bone marrow transplant used for treating leukemia are the important transplant cases. As transplant surgeries are done when an organ of the patient fails, getting the surgeries done at the earliest is all the more important. So, the patients from western countries like the United Kingdom where they will have to wait long for undergoing the surgery come to South India. The hospitals in Kerala, Karnataka and Tamil Nadu where there are highly qualified and experienced doctors, trained supporting staff and most modern equipment offer treatment on a par with international standards at an affordable cost.

The success rate of the transplant surgeries conducted in South India is another factor which attracts even foreigners to the hospitals in these states.

Caring the Eye: It is one of the branches of treatment that has attracted medical tourists from across the world to South India in an unprecedented manner. Specialised Eye Hospitals equipped with latest technology and expertise can be seen in the main cities in Southern India. Many patients from neighbouring countries and the Middle East travel to South India for ophthalmology treatment. The health tourists who are not ready to compromise on the quality of treatment are satisfied with the cost factor as well. In the case of ophthalmology treatment, there needs little follow up treatment. This is another positive factor for Kerala, Karnataka and Tamil Nadu for attracting foreigners from far away countries. If they had to come frequently to a foreign country for follow up treatment, a health tourist will have a second thought over selecting the destinations. The tendency will be to select neighbouring countries. Surgeries for correcting vision, Lasik - Laser assisted eye surgery for myopia, cataract surgery, corneal transplant surgery and retinopathy are offered by the hospitals.

Caring the Heart: It is one of the branches of medical services which attract many health tourists to South India. Patients from the Middle East, Gulf countries, Sri Lanka and even from the West are coming to India to have treatment for a variety of heart ailments. Hospitals that have the most advanced cardiac treatment facilities, well-trained doctors and nursing staff, and the quick scheduling of surgery, is major attraction to heart patients from abroad. Most of the hospitals are equipped with the latest equipment including Color Doppler Echocardiography and Nuclear Scanning and as such they offer advanced cardiac care procedures such as minimally invasive surgery, angioplasty, bypass surgery and interventional cardiac catheterisation.

The doctors who have proven track records add to the reputation of the hospitals here. Aortic stent grafting, angiography, angioplasty with contrast, angioplasty, angioplasty with medicated stent, carotid, coronary artery by-pass surgery, double heart valve replacement, electrophysiology complex study (EPS), heart transplant (subject to brain dead donor availability, I.C.D. (Single, double, combo chamber) implantation, pacemaker (single, double chamber, biventricular), paediatric interventional cardiology, RF ablation, paediatric cardiac surgery (ASD,VSD), single heart valve replacement and thoracic aortic aneurysm are some of the cardiac treatments offered by the hospitals in South India. In the case of coronary artery disease, diseases affecting the valves of the heart, diseases present from birth like holes in the heart or blocks in the valves, mixing of blood inside the heart keyhole bypass surgery will be done. To minimise the risk factor, minimal invasive cardiac surgery is being preferred over normal keyhole bypass surgery. This method minimise the risks like excess bleeding, possible brain problems like stroke, kidney disfunction and increased chances of infection. Cardiac rehabilitation is another important healthcare service offered in the hospitals in South India.

Cardiac rehabilitation programme help increases the functional ability of the person. The first of the four phase 092 medical tourism

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programme is for those with the chances of cardiac problems. It is preventive cardiology program in which normal persons are assessed for the risk factors of cardiac illness and they are prescribed an exercise program to keep their heart healthy. The acute cardiac rehabilitation program will take care of the patient admitted in the hospital for a cardiac illness. Post acute cardiac rehabilitation program is the most important phase of any cardiac illness. It is an exercise programme for a period of 8 weeks.

Oncological Treatment: Major hospitals in South India have oncology units comprising surgical oncology, medical and radiation therapy as well as the crucial Bone Marrow Transplantation (BMT). The BMT unit with high pressure hipa filters has helped achieve a very high success rate in the various types of transplantation in these hosptials.

Cord Blood Transplant and Mismatched Allogeneic Stem Cell Transplants are being performed successfully, a feat that is remarkable and significant, considering the fact that the treatment costs one-tenth of what it does in the west. Special surgeons are available for individual organs.

Plastic surgeons of repute provide treatment for head and neck cancer, breast cancer and other malignancies.

Ear, Nose and Throat: Hospitals in these states are placed among the number one ENT hospitals in the world. This has helped hospitals in South India in drawing many a health tourists from many foreign countries. Cochlear Implant for severely deaf children and adults, sinus endoscopy and paediatric otorhinol-aryngology are some of the cases to which treatment is offered by hospitals in South India. The diagnosis facilities like complete audiometric set-up, electronystag-mography testing, Brain Stem Evoked Response Audiometry (BSERA) and OtoAciostic Emission (OAE) are available in these hospitals.

Endoscopy used for reconstructive middle-ear surgery, surgery of the facial nerve, congenital ear anomalies, microlaryngeal surgery, surgery for snoring and sleep

disorders, thyroplasty, septoplasty and septorhinoplasty, functional endoscopic sinus surgery, head and neck cancer surgeries, revision ear surgeries and phonosurgery.

Caring the Nerves: Rectifying damage to brain or spinal cord as a result of an accident, conditions such as epilepsy, removal of tumours of the brain or spinal cord, treatment for stroke and aneurysm are some of the cases which normally require neurosurgery. Surgery on the spine includes micro-discectomy, laminectomy, corpectomy and spinal fusion. Congenital diseases of the brain and spine, tumours of the brain, spine and the spinal cord, vascular diseases such as aneurysms and vascular malformations, regenerative disc and other spinal diseases, instrumentation of the spine and the cranio-vertebral junction, diseases of the pituitary gland, stereotactic surgery, surgery for epilepsy and movement disorders, stroke and haemorrhage in the brain and spinal cord, cortical basal ganglionic degeneration, epilepsy in adults with mental retardation, epilepsy in children with mental retardation are some other cases for which neurosurgery is being recommended. The surgery is being performed after conducting various tests for diagnosing the disease properly. EMG (Electormylogram) which tests the functioning of muscles and nerves, Nerve Conduction Velocity (NCV) which monitors the carriage of impulses through a nerve, Computerised Tomography Scan, Magnetic Resonance Imaging (MRI) Scan, Single Photon Emission Computed Tomography (SPECT), Interventional NeuroRadiology and Digital Substraction Angiography are the major tests done for diagnosing diseases related to the nervous system. South India has some of the best facilities to conduct these procedures and they are attracting good number of patients from abroad.

Urology: With the change in life style, change in climate and long working hours have resulted in the increased number of urologic diseases. Hospitals in South India offer treatment for wide range of diseases associated with the 094 medical tourism

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urinary tract. Treatment is offered to cases like Laser Lithotripsy, Nephrectomy or K idney Removal Surgery, Bladder Cancer Treatment, Endopyelotomy, Endoscopic Prostate Surgery, Endoscopic Ureterolithotomy, Enlarged Prostate Treatment , Erectile Dysfunction Treatment , Extracorporeal Shock Wave Lithotripsy, Glomerulonephritis Treatment, Hydrocele Treatment, Kidney Stones Removal, Penis Enlargement, Percutaneous Nephrolithotomy, Peyronie’s Disease Treatment, Prostate Cancer Treatment, Prostatectomy, Renal Artery Stenosis Treatment, TURP Surgery, Urinary Incontinence Treatment, Uterine Cancer Treatment, Vasectomy and Vasectomy Reversal.

Traditional Systems of Medicine Ayurveda, the Science of Life: Ayurveda has become a synonym for Medical Tourism in Kerala and neighbouring states.

There has been a spontaneous growth in South India, especially Kerala for Ayurveda, which has no competition in the whole world. By collective effort the name Ayurveda got branded all over the world. In ancient India every branch of science was developed abiding nature’s rules.

So ancient Indian science and knowledge are extremely befitting for this age. Though they pursued the spiritual world, the saints in India longed for finding solutions to all the issues related to material world as well. It was because they wanted to redress the grievances of the general public. They well knew that anybody who works for the common well being can’t neglect the health of the public. When the Rishis or sages in India put their heads together to find out a system for solving the health problems, the result was Ayurveda. As the term Ayurveda denotes to the knowledge of life it’s not only a system to cure disease but the regimen teaching us ways to achieve Perfect Health from diseased or abnormal conditions and guidelines to lead a life, both physical and mental, to attain the bliss of real life. Keen observation and study of nature including all kinds of life in the world for hundreds of years could only have formulated such a life science

which has a concrete basis in Indian philosophy and wide reaching applicability in life of all sorts. Since it is holistic, it approaches man as a whole and cares man’s physical mental and spiritual health. It’s almost as old as mankind and at the same time as new as modern man that no disease is there which is incurable or uncontrollable unless misled too much. According to ayurveda human body is composed of three fundamental elements called Doshas which represent the physicochemical and physiological activities of the body, Dhatu which denotes the materials entering in to the formation of a basic structure of the body cell, thereby performing some basic actions and Malas the substance which are partly used in the body and partly excreted in yet another from after serving their physiological activities. The dynamic equilibrium of these leads to perfect health and imbalance of any of these leads to disease.

To attain perfect health we have to maintain the original, natural balance of these. The role of a physician is to understand the imbalance happened to this dynamic equilibrium and to correct or give advice as how can it be brought to the original state, whether with medicine or with changes in life style. He studies the patient; not only the disease, with some special techniques and gives you some medicines and lot of advice, after which you may feel healthier and no system upset. Though Doshas, Dhatus and Malas are equally important, Doshas have added dominance; because human body and everything in it are influenced by doshas and maintenance of their balance will correct the defects of the other. Doshas are three vata, pitta, and kapha and they may not be equal and same in all. According to the dominance of each dosha every man is categorised to different types. There is abundant means to find out body types and it is easy for an ayurvedic doctor to comprehend anyone’s body type.

Treatment of Making You Healthy: The treatment in ayurveda is classified mainly into two Samana and Sodhana.

Samana is the pacifying way of treatment and sodhana roots out the disease from the body. Oral therapy and easier means of treatment are prescribed under Samana treatment. But Sodhana treatment is extensive, time consuming procedures to change a diseased man to the original healthy man. These are widely used all over India for patients with chronic illnesses. If done with special precautions, regular checkups and extra care Sodhana treatments can work wonders and this is what happens in India, especially in South India, which attracts a lot of foreigners from all over the world to this small state.

Nature’s own Medicine: According to ayurvedic principle you are what you eat. So much significance is given to the food habits and life style. Natural herbs are widely used as medicines. In fundamental principles of Ayurveda 5 basic elements are very important. The universe and anything in the universe is believed to be made of these 5 elementsair, water, earth, fire and space. Quality and nature of everything varies according to difference in the proportion of these elements. According to the dominance of these elements each plant or each mineral exhibits its own physical and chemical characters. This basic principle is made use of in the formulation of medicines in Ayurveda.

Panchakarma: Panchakarma is a term most mistaken among people. It is really 5 main treatments, by which vitiated doshas are expelled from the body. They include Vamana (induced vomiting), V irechanam (Purgation), Asthapanam (enema with decoction), Anuvasanam (enema with oil) and Nasyam (Nasal application of oil). According to another school, both the enemas are included under common title Vasti and fifth one is Raktamoksham (Blood letting). The vitiated doshas, waste materials and toxins are expelled by panchakarma. But for the convenience of the complete expulsion they are collected at particular sites by these pre-panchakarma process called Snehapanam (oleation) and Swedanam (Steam bath). There are particular, prescribed procedures and steps by which these are carried 098 medical tourism

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out. Though the lessons and texts studied are same, the system of treatment is entirely different and far more effective as well. These special methods of treatments which can be included in the pre and post panchakarma procedures are Sarvanga snehadhara/Pizhichil (oil bath), Shashtikapindaswedam (rice bundle massage), Patrapodala-swedam (leaf bundle massage) Sirodhara (head bath) etc.

Siddha: Originated from the Dravidian culture Siddha system of medicine is the oldest traditional treatment system in the world. The Siddha which flourished in the period of Indus Valley Civilization is older than the treatment systems like acupuncture. The word Siddha comes from the word Siddhi which means an attainment of a rare feat.

According to the preachers of Siddha medicine, it focuses on the techniques to attain Ashtamahasiddhi, the power to tame the eight supernatural powers. Those who achieved such powers are known as Siddhars. There were 18 important Siddhars in olden days and they developed this system of medicine. Hence, it is called Siddha Medicine.

It uses herbal remedies, alchemy and pressure point massages to alleviate sickness and pain. It emphasises on the use of the remedial properties inherent in the natural environment. It has still deep roots in India, especially in the southern states.

Naturopathy and Yoga: For healing all types of diseases, nature has its own remedies. This concept is the foundation stone of Naturopathy treatment. According to the method, the patient will have to follow a nature-friendly lifestyle.

From food habits to sleeping, the patient will have to move in tandem with the nature. Alcohol, smoking, chewing tobacco and the consumption of tea, coffee, and nonvegetarian foods are forbidden in all the centers. Children below fifteen years of age are not allowed inside these centers nor are pregnant women. According to naturopathy system, all healing powers are within one’s body. A person falls ill when he or she goes against Nature. Toxins, the

cause of diseases are to be taken out from the body to cure the disease. A thorough rest, which includes fasting, is the most favourable condition in which an ailing body can purify and recoup itself. Yoga the medication programme acclaimed by the world is part of naturopathy.

The Mesmerizing Charm of South India Tourism emerged as the largest global industry of the 20th century and is projected to grow even faster in the 21st century. South India has immense possibilities of growth in the tourism sector with vast cultural and religious heritage and varied natural attractions. South India covers the most beautiful places in India. South India is by sea from three sides on West - Arabian Sea, on East - Bay of Bengal, on South - Indian Sea and on North - Vindhya and Satpura ranges. South India attracting tourists by many ways like Backwaters, Falls, Reservoir, Beaches, Forts, Culture, Temples, Nature, Major Cities and Famous Hill Stations. South India Tourism has embraced a world of nature and wildlife, adventure camp experience, Resorts, Honeymoon Getaways, Spas, Camping Sites, Medical and Educational Tourism, Shopping Showrooms, Art and Crafts, Antiques, Adventure and Eco Tourism for tourists. South India is one of the fastest growing tourism destinations.

Kerala, The God’s Own Country Kerala, the lush green state situated on the tropical Malabar Coast of South Western India, is one of the most popular tourist destinations in the country. Globally referred as God’s own country, it is named as one of the ten paradises of the world by the National Geographic Traveler. Its unique culture and traditions, coupled with its varied demography, has made Kerala one of the most popular tourist destinations in the world. Immensely blessed by Mother Nature, the state has everything that a tourist looks forward to. The captivating greenery, long stretches of palm fringed shores, serpentine back waters, crystal clear rivers, lakes and jungle streams and picturesque forest ranges and valleys are some of the

state’s coveted assets in respect of tourism. In the decades that followed, Kerala Tourism was able to transform itself into one of the niche holiday destinations in India. The tag line Kerala- God’s Own Country was adopted in its tourism promotions and became a global super brand.

Kerala is regarded as one of the destinations with the highest brand recall. The state’s tourism agenda promotes ecologically sustained tourism, which focuses on the local culture, wilderness adventures, volunteering and personal growth of the local population. Efforts are taken to minimise the adverse effects of traditional tourism on the natural environment, and enhance the cultural integrity of local people.

Plantation Tourism: The Western Ghats at an average altitude of 900 mtrs from the sea level, with a number of peaks well over 1,800 m in height and their slopes and valleys are known for its exotic spices like cardamom, pepper, cinnamon, and cash crops like tea, coffee and rubber. The Midlands, lying between the mountains and the lowlands, is made up of undulating hills and valleys which are rich in cashew, areca nut, tapioca, banana, rice, sugarcane and vegetables of myriad varieties. These areas have now become hotspot of plantation tourism. Many of the plantation estates are in the scenic locales of the Western Ghats. The breathtaking panoramas bring one to a world of wonder. Though plantations are the lands of leisure, it also imparts cognition about the cultivation and processing of these great crops. The opportunities for trekking, fishing, swimming and other recreations proffer an experience of being one with the virgin nature. Idukki, Wayanad and Kottayam are the major plantation centres in Kerala. The exotic smell of the spices elates to a heavenly ecstasy.

Sense the spirit of eco-tourism and adventure tourism through the green plantations. Stay with nature, dine with nature and rejoice with nature.

Bird Sanctuaries: Birds have always evoked the curiosity of man. Maybe the wish to fly is prime reason. The beauty, 102 medical tourism

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the way in which they make its nest, its ability to sense even the subtle changes in the nature and the nature of migration and their mating- all associated with birds are keenly watched by man. Bird sanctuaries are major attraction for tourists. Dr Salim Ali Bird Sanctuary is the most renowned bird sanctuary in the state. Started in 1983, the bird sanctuary located in Thattekkad in Ernakulam district was the first bird sanctuary of Kerala. Spread over an area of 25 sq km in the forests surrounded by the tributaries of the Periyar River. One can see a variety of migratory and resident bird species, including the rare Ceylon frogmouth and the rose-billed roller. Kumarakom Bird Sanctuary is another important one. Migratory birds like darters, egrets, herons, teals, waterfowls, cuckoos and wild ducks are some of the varieties found here. The Siberian storks migrate to Kumarakom every year.

Pakshipathalam, situated 1740 mts above sea level, can be accessed only by trekking. Rare species of birds can be sighted from the watch tower of this bird sanctuary.

Kadalundi Bird sanctuary is spread over a cluster of islands in a scenic area surrounded by hillocks where the Kadalundi River flows into the Arabian Sea. The estuary at Kadalundi is a heaven for migratory birds. Over a hundered varieties of native birds and over 60 varieties of migratory birds flock here in large numbers.

Enchanting Backwaters: The backwaters in Kerala are a labyrinthine chain of brackish lagoons and lakes lying parallel to the Arabian Sea coast. The backwater network includes five large lakes linked by 1500 km of canals, both manmade and natural, fed by 38 rivers, and extending virtually the entire length of Kerala state. The backwaters were formed by the action of waves and shore currents creating low barrier islands across the mouths of the many rivers flowing down from the Western Ghats range. Forty one west flowing and 3 east-flowing rivers along with its tributaries are the lifeline of evergreen Kerala. The river banks which are rich in flora fauna are ideal spots for a rejuvenating sojourn. A tourist coming to Kerala will not

like miss a cruise along the backwaters here. A cruise along the backwaters gives the tourist the taste of the culture, history, lifestyle and the scenic beauty of Kerala.

In Alappuzha, not only the tourists but the locals too enjoy the cruise along the backwaters. Many of the carnivals here are associated with backwaters. The Nehru Trophy Snake Boat race held here every year is one of such carnival.

The unique feature of Kuttanad, the rice bowl of Kerala is that the fields are below sea level. These paddy fields are barricaded from the surrounding backwaters by earthen bunds. Kumarakom is another location for backwater tourism. A journey in the house-boat will be an unforgettable experience. Kollam is an ancient seaport on the banks of the Ashtamudi Lake. The cruise from Kollam to Alappuzha which lasts eight hours is the main attraction for tourists visiting the area. Kochi known as the Queen of the Arabian Sea is known for its natural harbour. Kochi which consists of a cluster of islands is the apt place to start backwater cruise. Kappil, Kozhikode, Thiruvallam, Valapattanam and Valiyaparamba are also major backwater destinations in Kerala.

Evergreen Hill Stations and Jungle Tourism: Eastern Kerala, housing the majestic Western Ghats; the region thus includes high mountains, gorges, and deep-cut valleys.

The wildest lands are covered with dense forests, while other regions lie under tea and coffee plantations or other forms of cultivation. One of the most exciting hill stations in Kerala is Ponmudi perched on the Western Ghats at an altitude of 1100 ft. above sea level. Lush green woods, lazily meandering streams and countless varieties of butterflies and birds make this hill station unique. Another jungle abode is Nelliampathy, a forest range of 75 km sq km in Palakkad district. It comprises a chain of ridges cut off from one another by valleys of dense evergreen forests and orange plantations. The entire area is a perfect paradise of nature lovers. Nestled in the green and serene Kannan Devan Hills, lies the pristine hill station of Munnar, at an altitude of 1524 mtrs from sea level and 136 km off 104 medical tourism

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Kochi. The misty mountains, the green carpet of tea gardens and long stretches of grass lands makes this hill station a virtual paradise on earth. Tourists throng Munnar round the year for a retreat in the very bosom of nature. Nearby is Eravikulam National Park, the home of the endangered Nilgiri Tahrs that roam on the sprawling stretches of grasslands. In the high ranges there are a number of other picturesque jungle abodes like Idukki, Kumily, Devikulam, Vagamon, Peerumedu which are surrounded by a spread of beautiful, wooden valleys and fresh water streams.

Idukki is also the home of the state’s hydel power thanks to the giant arch dam built across river Periyar. Vagamon in the high range Idukki district is yet another Hill station ideal for trekking. It is an ideal tourist spot surrounded by the greenery of tea gardens, beautiful meadows, valleys and dales. Thekkady is one of India’s most exciting natural wildlife sanctuaries which offer opportunity to watch wildlife at close range. The vegetation, the flora and fauna and the birds of Thekkady are uniquely rich, vast and varied. Notable among wild life population in this sanctuary which attracts a steady stream of visitors round the year is the majestic Asiatic wild elephants, Nilgiri langur, wild boar, wild dog, bison, bear tigers and leopards.

The greatest attraction in Thekkady is a leisurely cruise across the expanse of the fresh water lake in the midst of the sanctuary. Lakkidi in Wayanad district is another hill station of great scenic beauty with its picturesque hills, streams and luxuriant vegetation, one of the highest locations in Wayanad, and registers the second highest degree of rainfall in the world. Surrounded on all sides by meadows and hills, it has become a favorite picnic spot of tourists. Wayanad district also offers a variety of other tourist attractions like the Kuruva Islands, Pookote Lake, Chembra Peak, Edakkal Caves etc.

Wildlife, Flora and Fauna: Most of Kerala, whose native habitat consists of wet evergreen rainforests at lower elevations and highland deciduous and semi-evergreen forests in the east, is subject to a humid tropical climate.

However, significant variations in terrain and elevation have resulted in a land whose biodiversity registers as among the world’s most significant. Most of Kerala’s biodiversity tracts of wilderness lie in the evergreen forests of its easternmost districts. There are also numerous protected conservation areas, including 1455.4 sq km of the vast Nilgiri Biosphere Reserve. In turn, the forests play host to such major fauna as Asian Elephant, Bengal Tiger, Leopard, Nilgiri Tahr and Grizzled Giant Squirrel. More remote preserves, including Silent Valley National Park in the Kundali Hills, harbor endangered species such as Liontailed Macaque, Indian Sloth Bear and Gaur. More common species include Indian Porcupine, Chital, Sambar, Gray Langur, Flying Squirrel, Swamp Lynx, Boar, a variety of catarrhine Old World monkey species, Gray Wolf, Common Palm Civet. Many reptiles, such as king cobra, viper, python, various turtles and crocodiles are to be found in Kerala.

Kerala’s avifauna include endemics like the Sri Lanka Frogmouth, Oriental Bay Owl, large frugivores like the Great Hornbill and Indian Grey Hornbill, as well as the more widespread birds such as Peafowl, Indian Cormorant, Jungle and Hill Myna, Oriental Darter, Black-hooded Oriole, Greater Racket-tailed and Black Drongoes, bulbul, species of Kingfisher and Woodpecker, Jungle Fowl, Alexandrine Parakeet, and assorted ducks and migratory birds.

Additionally, freshwater fish such as kadu and brackishwater species such as Choottachi also are native to Kerala’s lakes and waterways.

Vibrant Festivals and Cultural Diversity: It is the land of colourful and beautiful art forms and festivals. The major festival in Kerala is Onam. Kerala has a number of religious festivals. Thrissur Pooram is the major temple festival in Kerala. It is conducted at the Vadakumnathan temple, Thrissur. The tradition of classical arts in God’s own country dates back over a thousand years. The UNESCO has recognised some of the art forms as the part of world heritage. Kerala’s culture is mainly Dravidian in origin,

deriving from a greater Tamil-heritage region known as Tamilakam. Later, Kerala’s culture was elaborated on through centuries of contact with overseas cultures. Native performing arts include koodiyattom, kathakali and its offshoot Kerala natanam, koothu, mohiniaattam ottamthullal, padayani, and theyyam. Apart from these there are several religion related art forms such as chavittu nadakom and oppana. Pulikkali, performed during Onam festival has a spectacular view. There are also several ancient ritualised arts including the martial art form of kalaripayattu. Other ritual arts include theyyam, poorakkali and Kuthiyottam. Kuthiyottam is a ritualistic symbolic representation of human bali. Folklore exponents see this art form, with enchanting well structured choreography and songs, as one among the rare Adi Dravida folklore traditions still preserved and practiced in Central Kerala in accordance to the true tradition and environment. In respect of Fine Arts, the State has an abounding tradition of both ancient and contemporary art and artists. The traditional Kerala murals are found in ancient temples, churches and palaces across the State. These paintings, mostly dating back between the 9th to 12th centuries AD, display a distinct style and a colour code which is predominantly ochre and green. Like the rest of India, religious diversity is very prominent in Kerala. The principal religions are Hinduism, Christianity and Islam. Jainism, Judaism, Sikhism, and Buddhism have smaller followings.

The state’s historic ties with the rest of the world have resulted in the state having many famous temples, churches, and mosques. The Paradesi Synagogue of the Jews in Kochi is the oldest Jewish place of worship in the Commonwealth of Nations. Recognising the potential of tourism in the diversity of religious faiths, related festivals and structures, the tourism department launched a Pilgrimage tourism project.

Monsoon Tourism: The four month-long, copious monsoon and recurrent flurry make this land a perfect nursery for all 108 medical tourism

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living being. On account of this monsoon tourism is now being promoted in a big way in the state. The word monsoon imparts a festive spirit to the whole world. The smell of the dry earth getting soaked elates you to an exotic experience. It becomes the best time to explore the virgin nature intact. A land which is very precious to God with a vast network of 44 rivers and its tributaries welcomes monsoon with much exuberance. Yes, Kerala eagerly expects the sound of splashing waters after a long summer.

The farmers exult in the drops of prosperity that shower a new beginning. It is the queer season which can refresh you completely. The God’s own country is blessed with a great season of monsoon that lasts for three months.

Sandy Beaches: Flanked on the western coast by the Arabian Sea, Kerala has a long coastline of 580 km; all of which is virtually dotted with sandy beaches. These sandy beaches and sea shores are ideal for sunbathing while the shallow coastal waters are extremely safe for swimming and a refreshing sea bath. The cool breeze that blows on the beaches will be soothing for both the body and soul. The most popular beach in the state is Kovalam, one of India’s internationally acclaimed beaches. A cluster of three crescent shaped beaches, Kovalam is ideal for an adventurous water sports like wind surfing swimming and thrilling boat ride either in catamaran or a wooden craft.

The Varkala beach flanked by the brick red cliffs is an ideal sea side resort and spa. It is also a pilgrim centre.

Alleppey is another spectacular beach where you can venture safely into the sea to enjoy the massaging touch of the gentle waves or sit on sand dune hearing the song of the sea. Kappad beach in northern Kerala is where history comes alive. It is on these shores Vasco da Gama, the Portuguese mariner set his foot in 1498 tracing an easiest maritime trade route to India. Bekal is another serene beach set in the backdrop of an array of swaying palms and the elegant Bekal Fort. Cherai Beach, Chowara Beach and Poovar Beach are also tourists’ paradises with

golden sand and surf. Black rocks protected Muzhappilangad beach is the only drive in beach in Kerala. Nattika, the hidden treasure of Malabar Coast is a beautiful beach with panoramic views.

Karnataka, Explore the Vibrant Worlds Karnataka is a place where vibrant worlds seamlessly meld into one another, every few hundred kilometres. Sedate plains suddenly rise to dizzying mist-covered hilly heights and then plunge with careless abandon in a white-water freefall, to become languid rivers that flow past cities, cities where time has stopped altogether and cities where time rushes a relentless rush to keep up with the world; cities that sometimes escape into the deep quiet of thick forests and sometimes, stretch their arms wide open to embrace the sea. Karnataka has hosted and continues to host a wide melting pot culture community. Along with the native Kannadigas, Kodavas, Tuluvas, Konkanis and several tribal sects have, across the centuries, lent colour and content to the vibrant culture the state calls its own.

Karnataka is also home to the largest Tibetan settlement in South India. In addition to Kannada, knowing Tulu, Hindi, English, Telugu or Tamil will safely get you by. Jainism, Hinduism and Islam are the predominantly practised religions. But in recent times, Sikhism, Christianity and Buddhism have also found their place and people. In dance, drama, theatre, crafts, art, poetry, architecture and scholarly pursuits, Karnataka brings with it a legacy of learning that predates the earliest dynasties. Karnataka as a patron of the arts has nurtured it into the exemplar.

Poets, musicians, dancers, thespians, story tellers, writers, artists have flourished in these parts and have contributed to the state’s well-versed repertoire. India’s most respected schools of music, Carnatic and Hindustani over the centuries, were perfected here, with the state bringing forth many greats. Bharatanatyam, Kuchipudi, Kathak and Odissi have found their niche in the mainstream culture, and the state boasts some of the best schools in the 110 medical tourism

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country. Karnataka’s millennia-long tryst with royalty has left an indelible mark on its celebrations. There’s nothing understated about the way Karnataka celebrates.

Hoary Tradition: Karnataka is a land of rich historical heritage. Built in Indo-Saracenic style, with domes, turrets, arches and colonnades, the Mysore Palace is a treasure house of exquisite carvings and works of art from all over the world. Known as Amba V ilas Palace, it was designed

by Henry Irwin, the British consultant architect of Madras State and completed in 1912 on the site of the old wooden palace that was destroyed by fire in 1897. From atop the Matanga Hill at daybreak, Hampi is every inch the capital city of a golden empire. The capital of the mighty Badami Chalukyas might have shrunk into a few scenic square kilometres in terms of touristy value. But Badami still retains its majesty. Known as the cradle of temple architecture, Aihole is an experience of time travelling, by all means. Once the destination of kings, Pattadakal was where kingdoms were bestowed upon heirs apparent.

Once the capital city of the Hoysala dynasty, Belur is home to the Chennakesava Temple known as the ‘jewel in stone’ - a title it’s held unsurpassed since 1116 AD. Halebeedu, before it became Halebeedu or the destroyed city, was the second capital of the Hoysalas and went by the name Dwarasamudra. Today, the Hoysaleshwara Temple, though the sole survivor of all the grandeur that once was, hitherto the plunder of successive invaders, still tells a mean tale.

Many monuments and historical places like Bijapur, Chitradurga, Srirangapatna, Bidar, Gulbarga, Bellary Fort, Somnathpur, Bangalore Palace and Kolar speak much about the golden era of the state. A visit to Tipu’s Fort in Bengaluru is an enriching experience.

The Urban Delights: Bengaluru, the capital city is South India’s most alive city. A melting point of ethnic and cultural backgrounds, the hoi polloi of Bangalore is charmingly mixed. Malls, parks, pubs, theatre, cafes, art galleries, palaces etc at any given point, Bengaluru is buzzing and

alive with activity. Almost at the heart of South India, this cosmopolitan city is everything a world city needs to be.

Mysore is the second largest city in the state of Karnataka and it lies about 140 km southwest of Bengaluru. The city spread across an area of 128.42 sq km and situated at the base of the Chamundi Hills which is one of the most important tourist centres of the Karnataka. Mysore is also known as Palace City of India which can genuinely boast of one of the most visited monuments in India, the Mysore palace. Brindavan Gardens of Mysoe is a show garden that has a beautiful botanical park, full of exciting fountains, as well as boat rides beneath the Krishna Raja Sagara Dam. Ensconced on the coast, Mangalore makes a pleasant and convenient stop between Goa and Kerala.

With its narrow, winding streets fringed with coconut palms, quaint houses with terracotta-tiled roofs, beautiful beaches, temples and churches, and the aroma of spicy coconut curries, it has preserved its old-world charm. For a commercial and business hub, Hubli’s name translates into sheer poetry. Bellary has seen a long line of rulers and therefore, it comes as no surprise that Bellary, despite being a progressive industrial district, still has the airs and graces of a forgotten time. Known as the land of heroes, of which Rani Chennamma of Kittur undoubtedly reigns supreme as the face of the sobriquet, Belgaum is one of Karnataka’s oldest and largest cities.

Cascading Waterfalls: The milky white waterfalls are inimitable by itself, primarily due to the grandeur of the evergreen forests that wrap it. Jog Falls bear witness to nature’s headlong tumble as the Sharavati River makes a spectacular drop of 253m in four distinct cascades, known locally as Raja, Rani, Rover, and Rocket to create the highest falls in Asia. Shivanasamudra Falls helps to discover nature’s handiwork and is 65km east of Mysore. The Kavery River as it plummets from a height of 75m into a deep, rocky gorge with a deafening roar, to form two picturesque falls.

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Abbey Falls offers a splendid backdrop for picnics. Nestling beside the Rajiv Gandhi National Park (Nagarahole), Iruppu Falls presents a stunning sight during the monsoon. The mesmerising Magod Falls are located 80km from Karwar.

Situated in the midst of dense forests, Sathodi Falls is locally known as the Mini-Niagara of Uttara Kannada District.

Hebbe Falls is located at a distance of 8km from Kemmanagundi. River Ghataprabha takes a leap over a rocky bed 170ft down which makes a beautiful Gokak Falls.

V irgin Beaches: The sandy beaches and sea shores in Karnataka are ideal for getting refreshed. A sleepy Brahmin town, lodged somewhere between a conservative society and a faithful hippy fan following, Gokarna is a dream beach destination in the state. With gentle waves, miles of golden sand, a tranquil ambience, and acres of emerald foliage, Karwar has all the makings of a perfect holiday destination. Murudeshwara help you to seat yourself at a vantage point on a hillock and watch the relentless wave’s crash against the rock. Situated 12 km south of Udupi on the coastal belt that passes through the West Coast National Highway, Kaup has a lovely beach. At the mouth of the Malpe River, about 6km from Udupi, is the natural harbour of Malpe, an important fishing centre that enriches Karnataka’s coastline with its fabulous beach. About 6 km from the Malpe coast into the Arabian Sea, one gets to see the palm-fringed St. Mary’s Island which bears the cross that Vasco Da Gama placed when he landed in 1498. The island is 300m long and 100m wide. 15km north of Ullal, Suratkal beach is near the promontory on which the new lighthouse stands. Take in the spectacular views at Marawanthe, a seaside town where the West Coast Highway cruises alongside the Arabian Sea on one side, with the picturesque Kodachadri Hills forming a backdrop to the Sauparnika River on the other.

Invigorating Hill Stations: Nature can be experienced in its full splendour in Karnataka. A hedonist’s paradise by all means, Coorg is a dream you’ll never forget. Hills, old-

world charm, coffee, amazing food, vivid cultures and warm hospitality - there’s something in the air in Coorg that makes all things beautiful. Rambling hills, pristine pools, fascinating nooks and crannies complete with a shrine, intriguing caves, lush mists and dreamy woods make the geography of Chikmagalur. If you enjoy spectacular sunsets, sparkling streams, verdant village vistas, and an untouched rustic ambience, Agumbe is the place for you.

Located in Chikmagalur district, the picturesque hill station of Kemmangundi is located at a height of 1434m above sea level. The highest peak between the Himalayas and the Nilgiris, Mulliyanagiri stands at a height of 1,930 metres (6,330ft). Situated 100km from Shimoga and 36km from Hosanagara is this enchanting mountain which overlooks the vast Western Ghats. The Kudremukh (Horse Face) Range gets its name from the unique shape of its main peak. Nandi Hills, popular weekend getaway is just 60km from Bangalore. There are many trekking trails in BR Hills including one that leads up to Honnamati, the highest point of the range. Located on Theerthahalli-Agumbe road, about 12km from Theerthahalli, Kundadri Hill is a gigantic monolithic rock formation.

Tamil Nadu, Land of Heritage and Devotion Tamil Nadu has had more than 5000 years of continuous cultural history and tradition. It has some of the most remarkable temple architecture in the country and a living tradition of music, dance and fine arts. The state is also well renowned for its temple towns and heritage sites, hill stations, waterfalls, national parks, local cuisine and the fabulous wildlife and scenic beauty. There are several places of tourist interest in the State and in Chennai, the state’s capital city. Mamallapuram - the beach resort, Kanchipuram - the land of 1000 temples, Madurai - famous for the Meenakshi temple, Rameswaram, Thiruchirapalli and Thanjavur - form the temple trio, Chidambaram - holy place for Saivites as the famous Nataraja Temple, Coimbatore - third largest city of the state, Courtallam 114 medical tourism

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the Spa of the south, Hogenakkal - beautiful waterfalls, Velankanni - one of the most visited pilgrim centres in India, Theni - southern part of the state etc add charm to this south Indian state. Kanyakumari at the tip of the Indian peninsula is where the seas meet. The waters of the Bay of Bengal, the Indian Ocean and of the Arabian Sea join together at this point. This small town is renowned for the spellbinding views of a fantastic sunrise and sunset. The state houses a number of heritage sites mainly composed of the ancient temples and deities of the Pallava and Chola empire scattered along various parts of Northern and Central-Eastern parts of Tamil Nadu. The state boasts the second largest tourism industry in India with an annual growth rate of 16%. Tamil Nadu with a GDP of $98 million is the fourth largest economy of the country and tourism is one of the main sources of its revenue. Tamil Nadu is a year round tourist destination and the industry is the largest in the country only second to the neighbouring state of Andhra Pradesh. Tamil Nadu has well knit road, sea, rail and air connectivity. The capital city of Chennai has one of the busiest international airports in the country.

Land of Festivals: Tamil Nadu is a terra firma of many festivals. January marks the beginning of the festival season in the state. Pongal is the first festival and it is celebrated with much enthusiasm. It is the harvest festival of Tamil Nadu. Pongal is actually the name of a rice and lentil dish cooked in Tamil Nadu, and on this festive day Pongal is cooked. It is celebrated on January 14, each year.

In fact, four festivals are celebrated in Tamil Nadu for four consecutive days in that week. Bhogi is celebrated on January 13, Pongal on Jan 14, Maattu Pongal on Jan 15, and Kannum Pongal and Thiruvalluvar Day on Jan 16.

Temple Land: The state is also well renowned for its temple towns. The state has many temples dedicated to Lord Muruga and some of these are in rarefied environs. The journey to the Aruppadai Veedu or the Six Houses of Lord Muruga may be arduous but it has its own rewards. The six

abodes of Lord Muruga are located in Thiruthani, Swamimalai, Thiruchendur, Pazhamudhir Cholai, Tirupparankundram and Palani. Palani, located 120 km from Madurai is one of the most hallowed shrines of Lord Murugan. Madurai Meenakshi Sundareswarar Temple (twin temples) is one of the biggest temples in India. The original temple built by Kulasekara Pandyan was in ruins.

The plan for the current temple structure was laid by V iswanath Naikar and was completed by T irumalai Nayakar. There are 12 massive gopurams in the temple, the four tallest gopurams at the outer walls. The districts of Thanjavur, Kumbhakonam and Nagappattinam boast of hundreds of ancient temples. The town of Thanjavur was the seat of the glorious Chola Empire of Tamilnadu, and was later on the seat of the Nayaks and the Marathas.

Picturesque Hill Stations: The hill stations of Tamil Nadu offer the visitor the most spectacular views of nature. Called the Queen of Hill Stations picturesque, green Udhagamandalam better known as Ooty is the most popular hill station in the South. Located in the Western Ghats at a height of 2240m, Udhagamandalam is the headquarters of the Nilgiris district where the two Ghats ranges meet. Nature has been generous with this region which is by far the most beautiful in the state. Apart from coffee and tea plantations, trees like conifers, eucalyptus, pine and wattle dot the hillside in Udhagamandalam and its environs. Summer temperature is rarely higher than 25째c with a minimum of 10째c and winter is are distinctly cooler with a high of 21째c and a low 5째c. Another renowned hill station, Kodaikanal known as Princess of Hill Station, is breathtaking with wooded slopes and gigantic trees.

The mighty rocks, bowers, creeks and slopes captivate the visitors. The hill station Kodaikanal was created to serve the needs of the British and Europeans in India. The 20th century saw elite Indians enter in Kodaikanal to enjoy its charm and beauty and to harness its natural wealth for development. Yercaud, a Jewel of the South, on the

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Shevaroy hills of the Eastern Ghats is the only one of its kind in northern Tamil Nadu. Coffee and citrus fruits, most notably oranges are grown in abundance apart from bananas, pears and jack here. Yelagiri Hill, situated amidst four mountains well known for its salubrious climate prevails throughout the year. Tribal people live in villages in these hills. Anamalai Hills is a range of mountains in southern India, in the Coimbatore district of Tamil Nadu, forming a portion of the Western Ghats after this range has been broken by the Palghat Pass, south of the Nilgiris.

Wildlife: The topography of Tamil Nadu is delightfully varied and diverse. Of the 1,30,058 sq km land area, 17.6% is covered with forest area which spreads over the plain and on mountain slopes. Dry lands are bestowed with drydeciduous forests, thorn forests, scrubs and mangroves.

The Western Ghats and a few cooler regions are endowed with moist deciduous, wet evergreen forests, sholas and grasslands. There are 5 National Parks and 17 Wildlife Sanctuaries in Tamil Nadu. The Mudumalai Wildlife Sanctuary is located in the Nilgiri Hills, at a point where the Western Ghats meet the Eastern Ghats. Situated in the Thuthukudi district, Vallanadu Sanctuary is a scrub forest area that is spread over 16.41 sq km. V iralimalai is a small town situated 30 km from Thiruchirapalli and is bestowed with a large number of wild peacocks. Sprawling on 17.26 sq km surrounded by sea and shore, comprising forests of tidal swamps and forests of mangroves, Point Calimere Wildlife Sanctuary is situated in the Nagapattinam district. Indira Gandhi National Sanctuary, spread over 958 sq km, can be reached from top slip in the Anamalai Hills in the Western Ghats. An ecological Paradise, this sanctuary is a National Park with an area covering 108 sq km. Mundanthurai Sanctuary and Kalakkadu Wildlife Sanctuary situated in the Thirunelveli District.

Srivilliputhur Sanctuary, located in the V irudhunagar District, 45 km off Virudhunagar Town, has a composition of dry deciduous forests, moist mixed deciduous forests

and grasslands. The Guindy National Park is one of the prime spots to visit for those people who come to Chennai during vacation. Vedanthangal Bird Sanctuary is the oldest bird sanctuary in the country. Gulf of Manner Marine National Park is a Marine Biosphere and it runs along with coasts of Ramanathapuram and Thuthukudi Tuticorin Districts. The Mukkurthi National Park is located in the high altitudes of the Nilgiris and is made up of rolling downs interspersed with sholas and woodland.

Blue Beaches: Tamil Nadu is known especially for its blue beaches and sunny skies. Some of south India’s nicest beaches dot Chennai’s long seafront. The Marina beach is a 12 km long stretch of fine sandy shore and is known as the Pride of Chennai, the Kovalam beach is quiet and far away from the distractions of the city and the Elliot’s beach is the preferred destination for those with a clean atmosphere in mind. 58 km south of Chennai is the Mahabalipuram beach, famous for its unique 7th century Shore Temple. Kanyakumari Beach at the southernmost tip of India, where the Arabian Sea, the Indian Ocean and the Bay of Bengal meet is an important pilgrim centre.

Poompuhar Beach Yet another beach resort created in memory of erstwhile Kaveripoompattinam, a legendary Port city, washed away by the sea. The present complex was designed on the basis of the information available in the Tamil epic Silapathikaram. The historical happenings depicted in Silapathikaram and the land marks mentioned therein are brought back to life here in stone.

Travelling Tips for Medical Tourists Medical tourism not only provides an opportunity to people who want to avail quality and affordable medical treatments, but also enables a patient to get medical treatment along with vacation in foreign destination. The following is certain tips to those intend to embark on a medical tourism trip to India. It is essential to meet your family doctor to know about your current health conditions.

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which can help you to deal with your health condition. It is beneficial to carry all your current medical test reports.

This will help the doctor on the medical tourism destination to understand your health condition. Language is a major problems that you may face during your journey.

It is good to choose a destination where you can communicate easily with treating facility or you can ensure that translator facilities are available. Understanding your health insurance as a medical tourist outside your country is very important because many health insurance policies do not provide coverage for huge medical treatment costs overseas. So, it becomes important for you to choose an insurance policy that provides complete or maximum coverage for medical journey. You should carry a medical kit should include ointments, painkillers, anti-allergy medicines, insect repellent, bandage, and other important things.

You cannot make your medical trip without planning, as it is essential for smother and successful journey. If you consider important things before embarking on your medical trip then it can help you to get proper benefits of the trip. Having the knowledge of the etiquette and the law of land will certainly be helpful for the tourists to enjoy the trip without facing any hardship. According to the law of the land, there will be heavy penalties including jail term for possessing or using narcotic drugs. To visit a wildlife sanctuary, prior permission has to be taken from the authority concerned before visiting a wildlife sanctuary.

There is no limit to the amount of foreign currency that visitors can bring. Banks are open for transaction from 10:00 - 14:00 hrs on weekdays and from 10:00 - 12:00 hrs on Saturdays. Main hotels, restaurants and shopping centres honour major credit cards. All standard restaurants in these states have varieties including Continental, Chinese, Indian and typical Kerala in their menu. Tap water is purified and safe to drink. Bottled water is also available.

It is not advisable to drink water from slow moving streams, lakes or dams.

find your hospitals

Amar Hospital Attingal P.O, Trivandrum - 695 101 Kerala, India, Ph: +91 470 2627676, 2627666 Web: www.amarfertility.com Email: amarhospital@yahoo.in Amar Maternity and Fertility centre, located in the heart of Attingal town is an ISO 9001-2008 certified hospital with 75 beds including 35 ICU beds. Amar Maternity and Fertility Centre was established in 2003 offering high quality services in Obstetrics, Gynaecology, Infertility, High risk pregnancy, General surgery, Key-hole surgery, Urology and Andrology, Paediatrics and Neonatology. Led by Dr.P.Radhakrishnan Nair, MD, DGO, one of the pioneers of Laproscopic surgery in Gynaecology and Infertility since 1989, the Centre for Advanced Reproduction now offers the latest technology in infertility treatment 窶的CSI, IVF, PESA and TESA and Real time IMSI- the last resort for male infertility and failed IVF cases.

The centre is equipped with advanced ICMI/ IMSI Micro manipulator and most advanced Microscopic Systems (Olympus-Japan), Hera cell incubators, Cryocans for Embryo Freezing, Sperm banking and advanced Andrology Laboratory.

There are well equipped theatres with advanced Laproscopy and hysteroscopy equipments and Clean Air System and

spacious recovery rooms. This impeccable infrastructure added to the highly motivated service providers has made it possible for the hospital to record the least Neo natal and maternal Mortality and Morbidity as well as the least Surgical complications in Laproscopy and open surgeries.

The Neo natal and Paediatric care is equipped with level IIIII NICU with 14 beds having Neonatal Ventilator, C-PAP, Radiant Warmer, Infusion Pumps, Phototheraphy units and centralized Gas and Suction. High risk pregnancy care with detailed Antenatal Screening for Foetal anomaly and the supervision of Senior Gynaecologist of great experience ensures least perinatal mortality and morbidity. There are facilities for different types of General surgery including Appendectomy, Hernioplasty, haemorrhoidectomy, Cholecystectomy, Breast lump exercision, Thyroidectomy, and Varicocelectomy. The hospital infrastructure is world class with 24 hour pharmacy, ambulance and casualty services. There is an advanced clinical laboratory with Haematological autoanalyser, semi auto analyser and fully automated Hormone Analysis etc. The hospital offers the services of a highly dedicated and experienced team of doctors and other staff led by Dr.P. Radhakrishnan Nair. Dr.Radhakrishnan Nair has over 45000 lap procedures to his credit. He was the recipient of the Nehru Award 2007-08 for his outstanding contribution in the field of Health and Family Medicine. The Amar Maternity and Fertility Centre was awarded the Kerala State Pollution Control Award (2011, 2013, 2014). The hospital has lived up to its declared objective of providing low cost infertility treatment services under one roof - from treatment of fertility till delivery.

Amravathy Eye Care Opp. Municipal Office Mavelikkara - 690 101 Kerala, India, Ph: 0479 2343451 Mob: 96056 46566 Amaravathy Eye Crae at Mavelikkara is in the forefront among eye hospitals in Central Kerala. The hospital offers a wide range of comprehensive eye care services with

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advanced diagnostic and treatment facilities. Equipped with state-of-the-art equipments and managed by skilled professionals the hospital is committed to offer high standards of excellence. It has established itself as a centre of excellence strongly committed to values and ethical conduct. The primary goal of the institution patient satisfaction - is achieved here through personalized care at affordable rates. With advanced equipments, skilled professional workforce and patientcentric initiatives the hospital is able to cultivate a unique environment of workforce engagement maintaining high standards of excellence. Speciality clinics for Glaucoma, Diabetic Retinopathy and Cataract are available in Amaravathy Eye Crae. An extensive range of treatment for paediatric eye problems is the unique feature offered by this hospital. A fully equipped in house Optical Store functioning in the hospital makes it easy for the patients to have specialised care in the choice of suitable spectacles also. There are branded and other spectacle frames to suit all ages of users. Style and functionality are taken care of in a professional manner when it comes to offering help to the patients in their choice of different styles, shapes and fashion of spectacles. The patient oriented approach and the combined and dedicated support from all the departments make Amaravathy Eye Care one of the best in the field in the State.

Amrita Institute of Medical Sciences and Research Centre P.O. Ponekkara, Kochi - 682 041 Kerala, India Ph: +91 484 2801234, 6681234 Fax: +91 484 2802020 Email: marketing@aims.amrita.edu Web: www.aimshospital.org Amrita Institute of Medical Sciences and Research Center (AIMS), Organization managed by Mata Amritanandamayi Math, is dedicated to establishing national & international leadership in the areas of Healthcare, Education and 120 medical tourism

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Research and also provides world-class cost effective health care. The system of AIMS is well organized for offering excellent service in Health and wellness programs in an amicable environment. AIMS, with a massive healthcare infrastructure of over 333,000 sf. ft of built-up area spread over 125 acres of land. The 1200 bed superspeciality tertiary care facility supports a daily patient volume of about 3000 outpatients with 95% inpatient occupancy. There are 12 super specialty departments, 45 other departments, 670 full time doctors and 4500 support staff. The AIMS offers a total and comprehensive healthcare solution comparable to the best hospitals in the world, through its extensive infrastructure comprises of over 28 modern operating theatres, 210 wellequipped intensive care beds, a fully computerised and networked hospital information system (HIS), a fully digital radiology department, 17 NABL accredited clinical laboratories and a 24/7 telemedicine service. The services of the institution is nationally accredited by the National Assessment and Accreditation Council (NAAC) with “A’ Grade, other accreditations received by the hospital are ISO 9001 - 2008, NABL and NABH.

the hospital’s mission for providing service with sincerity and solicitude. AHRI, tertiary hospital project of Ananthapuri Hospitals Private Limited, is conceived and implemented with the vision to create a better world where people can lead a healthier life in the new millennium.

AHRI aims to play a predominant role in the development of healthcare services in the world by setting new trends and bringing about changes cherished and earnestly sought by the society.

Ananthapuri Hospitals and Research Institute Chacka, NH Bypass Thiruvananthapuram - 695 024 Kerala, India Ph: +91 471 2579900, 2506868 Fax: +91 471 2506969 Email: ananthapurihri@vsnl.net Web: www.ananthapurihospitals.com Ananthapuri Hospitals and Research Institute (AHRI) is a 500 bedded Tertiary care Hospital located at KazhakuttamKovalam Bypass Road, close to International Airport and about 3 km from Thiruvananthapuram Railway Station/ Thampanoor Bus Stand. Ananthapuri Hospitals offers unparalleled spectrum of preventive, diagnostic and therapeutic alternatives with highly experienced doctors, skilled and distinguished in their respective fields of expertise. Presently the Hospital has more than 35 major Departments with state-of-the-art infrastructure to cater to the health needs of the people nationally and internationally. Complementing them and paving the way for the smooth functioning of the hospital is a team of highly dedicated paramedical personnel, thus fulfilling

ARMC IVF Fertility centre BMT Centre, Puthiyara Kozhikode, Kerala, India Tel +91 495 2724101,102, 3103555 Help Line: 1800 3000 3100 Email: info@armcivf.net Web: www.armcivf.net ARMC was founded in June 2009 by establishing its first ever day care fertility centre at Kozhikode, Kerala, India.

IVF-ICSI has been a part of the services provided by this centre since its conception. As Managing director of ARMC IVF group of Fertility centers, Dr. K.U. Kunjimoideen leads the team of doctors, scientists, nurses and administration

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staff that are dedicated to ensuring that all couples are given the very best chance of achieving a pregnancy. As leaders in the field of reproductive medicine, our doctors offer the most advanced treatments available in a warm, friendly atmosphere. Because we understand that each of our couples is facing their own unique issues and challenges, we strive to provide compassionate care that is customized to their needs and goals. We provide a wide range of treatment options including Intrauterine Insemination (IUI), In-V itro Fertilization (IVF), Intra Cytoplasmic Sperm Injection (ICSI) programs, Intracytoplasmic Morphologically selected Sperm Injection (IMSI), and Laser assisted hatching and level 3 fetal anomaly-scanning facilities. At each of our locations Kozhikode, Kannur, Thrissur, Kollam, Palakkad, Salem, Mangalore, Doha, Dubai - patients can expect to receive the highest quality infertility treatment from our caring professionals. We are committed to uphold our ethical policy of not doing any sort of donor programs as infertility treatment. When a couple becomes our patient, we understand their particular fertility problems and prepare an individualized treatment plan. This plan is tailored to particular needs based on a review of their medical records and a careful assessment of fertility status. The Center offers a variety of infertility therapies that have been used successfully world-wide. Highly skilled health care professionals are available in order to enhance individualized care. The needs of every patient - physical, emotional and financial - are taken into consideration in providing this holistic treatment to our patients. Some the treatments provided here at ARMC include: Infertility Treatment services - Pregnancy Loss Evaluation Service, Hormone assays, Reproductive Endocrinology, 3Dand 4D scanning and color Doppler for early detection of fetal anomalies and fetal therapy, Laparoscopic Surgery, Hysteroscopic Surgery, Laser Assisted Embryo Hatching, IUI, IVF, ICSI, IMSI, Andrology, Endocrinology, Paediatrics, Ultrasonography etc. Obstetrics and Gynaecology - Well 122 medical tourism

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Women check ups, Antenatal and Postnatal check ups, Pregnancy tests, Pap smear, Ultrasound scanning including colour Doppler etc.

Aster DM Healthcare Ltd. Kuttisahib Road, Near Kothad Bridge P.O. South Chittoor, Cheranelloor Kochi - 682 027, Kerala, India Ph: +91 484 6699999 marketing.astermedcity@dmhealthcare.com Web: www.astermedcity.com Aster Medcity, an Aster DM Healthcare Venture is built across 1 km waterfront on 40 acres at Cheranelloor, Kochi, Kerala with 3.2 Million sq. ft. built up area in Phase I &II. In a world where health problems and hospitals are multiplying by the day, Aster Medcity aims to make a difference, with its patient-centric approach to medical care. Everything here is designed keeping in mind the comfort of patients. The picturesque waterfront, spacious interiors and advanced facilities create a positive ambience that ’s conducive to healing. A world-class quaternary care centre, Aster Medcity has eight dedicated Centres of Excellence and one multi speciality hospital, where doctors adopt a multidisciplinary approach to

provide holistic treatment to patients. One of the largest facilities of its kind, it offers 670 beds, including 175 stateof-the-art ICU beds in the first phase, with plans to add 500 more in the second phase. The digital integration of medical records facilitates seamless teamwork among Specialities, ensuring comprehensive medical care, at affordable cost. All eight Centres of Excellence are fully equipped, independent facilities with specialised medical teams comprising consultants, surgeons, trained nurses, technicians and ancillary staff. The eight Centres of Excellence include Cardiac Sciences, Orthopaedics, Neurology, Nephrology & Urology, Oncology, Gastroenterology and Hepatology, Women’s Health and Child Health.

Aster Medcity is also one of most advanced healthcare facility in South Asia. An integrated healthcare township that has exceptional infrastructure, Aster Medcity surpasses all current notions of healthcare. Conceptualized to give you the best-in-class environment, Aster Medcity offers primary, secondary, tertiary and quaternary healthcare in setting that is conducive for good health.

From the first stone to the last, the architecture of Aster Medcity has been thought out carefully. The feature that sets Aster Medcity apart is the harmonious orchestration of the physical and functional autonomy of the individual COE with the Emergency and Diagnostics services, Day care, Operating Room and Intensive care, which seamlessly integrates with other clinical and diagnostic facilities. This provides for the focused care of specialists in a particular department to be in close coordination with other when required a concept of Unity in Diversity. From Orthopaedicians to Oncologists, from Paediatricians to Neurologists, the brightest minds of the medical world have gathered at Aster Medcity. With a shared medical experience, these specialists lead the way in bringing quality care and a range of knowledge to a single global medical hub - Aster Medcity. At Aster Medcity, you’ll find doctors in love with their craft, specialist consultants from across the world, those expertise span over decades and who have practice

or learnt their trade at some of the most renowned institutions around the world. From well-known authors and researchers to pioneering robotic surgeons, our elite group of specialists are among the best in the world.

Accurate diagnosis and treatment gives a patient a better chance at recovery. And with advancement in modern medical technology, better and faster diagnosis has become possible and so have accurate and safer treatments. Aster Medcity features some of the most advanced medical technology known to science. Some of it, never before seen in South Asia.

Azeezia Medical College Hospital P.O. Meeyannoor, Kollam - 691 537 Kerala, India, Ph: +91 474 2722222 Fax: +91 474 2722399 medicalcollegehospital@azeezia.com Web: www.azeezia.com Azeezia, situated in the vast expanse of lush green land at Kollam is an educational initiative by Podikunju Musaliar Memorial Charitable Trust that provides the finest health care education and strives to improve the health and wellbeing of the rural community. Azeezia Group of Institutions has always emphasized the attainment of

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clinical excellence in its educational programs and encourages students and faculty to commit themselves to lifelong intellectual pursuits. The Group includes the Azeezia Medical College Hospital, the Azeezia Institute of Medical Science and Research, the Azeezia College of Dental Science and Research and the Azeezia College of Nursing. There is also the Azeezia Ayurvedic and Panchakarma Centre. The Azeezia medical college Hospital is a 700 bedded tertiary care teaching hospital with multi specialty and super specialty disciplines including super specialty dental hospital in addition to all the major disciplines. These departments are equipped with modern gadgets and state-of-the-art equipments having the cutting edge technology, to diagnose and treat patients with spectrum of diseases. The emergency wing is well equipped with cardiac and Neuro Surgical Emergencies and 24 hours Life Support Ambulance service. The hospital offers modern packages for comprehensive medical checkups. In a bid to offer community service apart from medical care the hospital undertakes free camps and community based health literacy programmes to provide health information to people in the area. Excellence in academics, provided by highly qualified and committed faculty members, is provided in all these educational institutions. The latest technological developments are utilized in providing the e-library and multimedia theatre facilities. Faculty development is an important activity of the Medical Education Unit under the department of community medicine. The faculty and the students are encouraged to undertake research and development as well as consultancy work. Besides regular classes, the academic programme includes workshops, seminars, interactive sessions and hands on exercises. The teacheras-a-guardian counseling scheme ensures a healthy teacher student relationship. The medical college and dental college are sanctioned with an annual intake of 100 students and nursing college with an intake of 50 students. Post graduate courses are started in various 124 medical tourism

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departments of medical college and dental college. There is tie-up with world class institutions that is eminently advantageous to the students. The links with prominent medical sciences generate valuable synergy between students and the corporate world.

Baby Memorial Hospital Limited Indira Gandhi Road Kozhikode - 673 004, Kerala, India Ph: +91 495 2 777 777, 272 3 272, Fax: +91 495 272 3 484 Email: info@babymhospital.org Web: www.babymhospital.org Baby Memorial Hospital (BMH),Calicut was established in the year 1987 by Dr. K G Alexander in memory of his father Late K C Varghese fondly referred to as ‘Baby’, the eldest among the founders of Baby Marine Group of Companies.

BMH made a modest beginning in Calicut, with a 52 bed hospital. The hospital was driven by a mission to meet the ever growing healthcare needs of the people in the region and provide world class healthcare to the masses at affordable cost. After completion of 27 years of its incorporation, BMH is now an 800 bedded hospital with facilities matching international standards. The super speciality block houses the BMH Heart Centre, BMH

Institute of Oncology, BMH Institute of Neuro Sciences and state-of-the-art Radio Diagnosis & Imaging Dept. The infrastructure now boasts of 16 world class operation theatres, 14 ICUs with 146 critical care beds, round the clock emergency and critical care departments. The hospital’s over 40 medical and surgical departments are supported efficiently by a team of 250 doctors and over 1800 nursing, paramedical and admin staff. BMH’s relentless passion for upholding the best and highest standards in healthcare has earned it the NABH accreditation. And also as a testimony to its uncompromising quality management system and also genuine concern for the environment, BMH has been awarded with both ISO 9001:2008 and ISO 14001:2004 Certificates, thus making it the only hospital in India to obtain all these three recognitions. BMH was also awarded the first position for its ‘substantial and sustained effort in Pollution control’ by the Kerala State Pollution Control Board consecutively for the last three years. Honouring its commitment to the younger generation and with a purpose of fostering young talents, Post Graduate DNB courses for doctors were started in the year 2006 for six specialities under the National Board of Exams. In collaboration with George Washington University, there is a Masters in Emergency Medicine program. The Baby Memorial School of Nursing and the College of Nursing were established in 1995 & 2002 respectively. Also there is EMS training program for Emergency Room nurses and a Critical Care diploma nursing course. As part of BMH’s initiative of providing quality healthcare facility to suburban and rural areas, a subsidiary hospital has been started under the banner of ‘BMH Care Hospital’ at Kalikavu in Malapuram District in September 2013. The Emergency service at BMH matches that of any international standards. Its fleet of Ambulances includes 4 ICU ambulances. The first Bike Ambulance with AED facility in India was introduced last year which has received good response from the public. Our vision does not end here. We are planning for a comprehensive

rehabilitation centre directed towards Neurology, Cardiology and Physical Medicine. The Baby Memorial Charitable Trust, with contribution from generous minded philanthropists also serves to help patients who are in need.

CIMAR Thykkavu Stop, NH 17, Cheranallore Edappally, Cochin - 682 034 Kerala, India, Ph: +91 484 4134444 Fax: +91 484 4134455 Email: cimarcochin@gmail.com Web: www.cimarindia.org Set up in early 1996 within the limited space available in the 300 bed Edappal Hospital in the small town of Edappal, Dr. Gopinathan, the brain behind and the Founder Chairman of this noble institution, had christened the centre as CIMAR - CENTRE FOR INFERTILTY MANAGEMENT & ASSISTED REPORDUCTION. Today, CIMAR stands to be a name that recon with the best fertility centres internationally and boasts of a state-of-the-art unit in Cochin since 2010.

In the last 16 years of its establishment, CIMAR has seen many a first and continues to make breakthrough in the field of infertility and fetal medicine. CIMAR is the only centre in India to have all facilities under one roof and is one of the most advanced fertility and fetal medicine

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hospitals in the country with centres at Edappal, Cochin, Coimbatore, Thiruvalla and Dubai. CIMAR has recently achieved NABH accreditation from Quality Council of India as a mark of continuing its supremacy and continues to make breakthrough in the fields of infertility and fetomaternal medicine. Dr. K.K. Gopinathan who is the Chief of CIMAR Unit, is recognized as the first Laparoscopic Surgeon of Kerala State Health Services and is a former State President of Kerala Association of Gynecological Endoscopists (KAGE) as well as the South Zone Co-ordinator of Indian Society for Assisted Reproduction (ISAR). FOGSI has recognized him as a Laparoscopic Trainer and National Board of Examinations has acknowledged his skills as trainer of DNB course which is equivalent to MD Gynecology.

Today, his team comprises of over 15 gynecologists specialized and dedicated to the field of fertility and fetal medicine. He has already supervised more than 100,000 deliveries till date. The important milestones of CIMAR are: CIMAR started functioning at Edappal in 1996, Introduced ICSI Treatment in Kerala in 1997, ICSI baby born through PESA and MESA in 1998, Baby born in India using Recombinant FSH (Recagon) in 1999, Baby born after Laser assisted hatching in 2000, Started Fetal Medicine department for the first time in Kerala in 2000, Baby born after PGD using FISH in 2001, Introduced Triple Gas Incubator in India in 2002, Introduced Intra-uterine Blood Transfusion Treatment in Kerala in 2003, FOGSI Recognition as Infertility Training Centre in 2004, CIMAR awarded ISO Certification in 2005, CIMAR Cochin starts functioning and Introduced IMSI in Kerala in 2010, 1st IMSI baby of South India born in 2011, Pollution Control Award from Kerala State Pollution Control Board in 2011, CIMAR Coimbatore started functioning in 2012 etc. At the various CIMAR Centres, patients of infertility are provided the finest infrastructure, state-of-the-art technology and qualified professionals on a par with world standards. CIMAR has a unique fetal medicine department which helps patients deliver a healthy child and a separate genetic department 126 medical tourism

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which analyses chromosomal abnormalities. CIMAR specializations are Infertility, Fetomaternal medicine, Genetic Lab, Neonatology and Gynecology. CIMAR is also a training ground for many aspiring specialists all over India and abroad. CIMAR is recognised for the following courses - National Board Post Graduate Training Centre in OBG, FOCSI recognized Advanced Infertility Training Centre, FOGSI recognized Laparoscopic Training Centre, FOGSI recognized USG Training Centre, Fellowship in Reproductive Medicine and Fellowship in Feto Maternal Medicine. When Dr. Gopinath commenced his journey from a humble hospital in Malappuram District, little did he know that he would play a pioneering role in bringing the smile of happiness to thousands of couples, and that his hospitals would carve out a niche for themselves. As a step to spread its wings across the globe, CIMAR has already opened its outlet at Dubai. CIMAR’s team of professionals regularly attend national and international training seminars, CMEs and the like, so that the hospital continues to rub shoulders with fertility centres of international repute.

CIMAR has also been conducting advanced training programs for upcoming professionals on a regular basis, with a view to promote expertise in this field. Even though infertility treatment has its own limitations, especially with regard to percentage of success rate, CIMAR tries to ensure that all its patients get the right treatment and leave the institution fully satisfied on having obtained the best care. The services by CIMAR have been acknowledged with State level Awards, especially for its control on pollution. Edappal Hospitals, now positioned as one among the best specialty hospitals in Kerala, continues to deliver more happiness to more people. Being an NABH accredited institution, strict quality checks and consistent quality assurance systems are maintained at CIMAR. These are notably rigorous in the theatre and the laboratories. All state-of-the-art equipments are proactively maintained and subjected to regular inspections.

CIMAR believes that every patient is an individual and

hence deserves individual care. Rather than following standard, rigid protocols based on age or medical history alone, CIMAR monitors the patient intensively, treating him/her with compassion and offering personalised care.

Every patient who walks out of the centre will feel a deep sense of quality and personal touch in the level of care they have received. As a part of their commitment to go green, CIMAR has organized an ambitious environment friendly programme called “kuttimaram - a tree for every child”, a program to hand out a sapling to every couple blessed with a baby at CIMAR.

Dhanalakshmi Hospitals Pvt. Ltd. Tana, Kannur - 670 002 Kerala, India Ph: +91 497 2714200, 2701524-26 Fax: +91 497 27065272 Email: mail@dhanalakshmihospitals.com Web: www.dhanalakshmihospitals.com Dhanalakshmi Hospitals, the first NABH accredited private hospital in North Malabar, is a premier 200 bedded multispeciality hospital and a name to reckon with in Kannur and the North Malabar. Living up to its renowned motto ‘Care and Cure with Dedication’ the hospital offers quality health care services at affordable rates. Dhanalakshmi

Hospitals is a healthcare powerhouse you can trust with your life. Our highly qualified panel of doctors, nursingparamedics personnel with multi-speciality and super speciality health services offer you the very best medical care. At Dhanalakshmi Hospitals, we unite exceptional clinical success rates and superior technology with a passion to excel in everything we do. It ’s a mission to bring cure and comfort to the sick with a specialized treatment regime. Dhanalakshmi Hospital was founded in memory of Sri. C.M. Ramunni (1900 - 1975), a pioneering textile industrialist and philanthropist of Kannur. His dream of having a general hospital in the then ‘weavers town’ of Kannur to offer affordable medical care for the people in the area has today become the super speciality hospital. Inaugurated on 30th October1998, the Hospital is managed by his sons, Sri. C.M. Valsaraj (Industrialist) as Chairman, Dr. C.M. Dhananjayan (Ophthalmologist) as Managing Director and Dr. C.M. Ramesh (Dermatologist) as Medical Director. The aim of the Hospital is to provide cost-effective quality medical treatment to all classes of patients with highly qualified professionals and with world class facilities and state-of-the-art equipments. We keep the patients well informed about their medical condition and respect the patient’s rights. We uphold and ensure ethical practice and work as a team in providing medical care. The hospital respects other systems of medicine and maintains close relationship with all medical colleagues.

Additional services and facilities and new specialties are being added to the existing ones on a regular basis. In recognition of its commendable service to humanity the hospital is all set to get the prestigious accreditation from the National Accreditation Board for Hospitals and Health Care Providers (NABH). NABH accreditation is a mark of excellence in health care, which provides access to reliable and certified information of facilities, infrastructure and levels of care. This certification will motivate us to scale further heights and rededicate to our motto ‘Care & Cure with Dedication’.

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DM WIMS Medical College & Hospital Naseera Nagar, P.O. Meppadi Wayanad - 673 577, Kerala, India Ph: +91 4936 287200 Fax: +91 4936 287287 Email: co@dmwims.com Web: www.dmwims.com The establishment of DM Wayanad Institute of Medical Sciences (DM WIMS) - India’s first ‘green concept’ medical campus, located at Meppadi in Wayanad - is part of an initiative to address these issues to a great extent. The campus spans over 50 acres, having a 700 bed multispecialty and emergency care teaching hospital, in the serene backdrop of Wayanad. The medical college enrolled its first batch of 150 MBBS students in the last year. DM WIMS will set new benchmark in India’s medical education system on par with global perspective, with its mission to emerge as one of the top 10 medical colleges in India within 10 years. DM WIMS is a unique medical education model in India, implementing an integrated system by developing international standard facilities and infrastructure for medical education, technical education and healthcare services. DM WIMS guarantee the qualities 128 medical tourism

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and competencies a doctor must possess before starting to practice. The budding doctors at DM WIMS see the challenges and the potential of competent medical practice at its best. The programmes are designed to provide students with the skills and knowledge required to become active and engaged in a global context. DM WIMS is developed and run by DM Education and Research Foundation (DMERF), a non-for-profit Trust with the objective of promoting health education and medical services in the Kerala. Dr. Azad Moopen, Chairman and Managing Director of Aster DM Healthcare - the leading healthcare conglomerate in the Middle East and India - is the Founder, Chairman and the Managing Trustee of the DMERF. Education is a subject close to Dr. Moopen’s heart.

Being a medical academician-turned-practitionerentrepreneur himself, Dr. Moopen formed the DMERF aimed to play a significant role in reforming the medical education system in the State. In 1980s, Dr. Moopen was a lecturer of internal medicine at the Calicut Medical College. Incidentally, Dr. Moopen was an MBBS gold medalist, before pursuing his MD in General Medicine from the same college. He also did a Diploma in Chest Diseases from Delhi University before taking up the lecturer’s job in the college where he studied. Dr. Moopen continued his role as a medical academician for five years before migrating to Dubai in 1987. DM WIMS is the latest model for his social commitment as the teaching hospital addresses the healthcare needs of a mass tribal population in the backward region. DM WIMS is also playing a significant role by providing healthcare to a large tribal population at the border district of Kerala, Tamil Nadu and Karnataka, simultaneously grooming hundreds of young doctors to eventually serve the Indian population.

The medical college hospital will cater to patients in the districts Wayanad in Kerala, Gudalur in Tamil Nadu and Gundalpet in Karnataka, providing them with immediate attention to emergency cases, especially to the patients from the tribal and BPL population. The establishment of

a good hospital at Wayanad was much awaited among the 20 lakh people of these 3 districts. The great response and patients’ load right from day one of the opening of the DM WIMS Hospital has proved that the acute need of the people in this region has been addressed. Subsidised and free treatment will be provided to the needy at the DM WIMS Hospital, where a “Not for Profit” Cancer Care Centre with radiation oncology facility, and a Dialysis Centre will be set up by the Dr. Moopen’s Foundation. The DM WIMS shall also help the overall development of the region by providing employment to the local population and helping the local economy on the whole. “At DM WIMS, we have implemented the clinical settings, where the students are trained to possess high order professional skills on par with the global quality standards, but instilling a sense of dedication and public service in them.

Our purpose is to ensure patient welfare and safety with great focus on the quality and quantity of the doctors being produced, in sufficient quantity of the skill mix,” says Dr. Moopen. DM WIMS provides excellent academic opportunities through a distinguished faculty to impart the best medical education to prospective doctors. Using innovative methods of teaching, the DM WIMS faculty headed by Dr. Ravi Jacob Korula, is actively engaged in teaching, training and research. DM WIMS also has created Information Technology Aided Teaching (iTAT), an exclusive student portal and online database, ushering in revolutionary changes in the medical education further extending the student’s opportunities for learning beyond the clinical settings. Besides the usual departments of a normal medical college hospital, DM WIMS Hospital offers Super Specialty care in like Emergency Medicine and Nephrology. The Super Specialty Centres for Trauma Care, Interventional Cardiology, Neurosurgery, Urology and Oncology are in the anvil. Dr. Azad Moopen envisions DM WIMS Medical College and Hospital to become the preferred destination for medical education and treatment in the near future.

Dr. Babu’s Chest & Skin Allergy Speciality Centre Near High School Jn, Thevally P.O. Kollam - 691 009, Kerala Ph: 0474 2798363, 0473 4220372, 87475 98363 Email: allergycentrekollam@gmail.com Web: www.chestandskin.com Established in 1990 at Kollam pioneered by a successful NRI professional Dr.Babu Thomas specialized in the field of Pulmonology, Allergy-Immunology from New York and Vienna Medical Universities. Further specialized in Allergic Dermatology from Cardiff University, UK. Started the first Triple speciality Centre of excellence in Kollam as specialized walk-in clinic. It is a global destination for allergy & Lung diseases @ Kollam and Adoor. WHO recommended world class allergy tests and Immuno vaccines from reputed manufacturers gave us the status of most reputed triple speciality centre in kerala. We are the only identified Drug Allergy tests centre in South kerala including medical colleges, catering large, small hospitals, clinics and dentistry from neighbouring districts too. Kollam being a coastal town, Respiratory ailments and allergic skin diseases are in plenty and our reputed Dr.Babu’ s Chest & Skin Allergy Speciality Centre with specialized supportive

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dedicated staff able to serve thousands and thousands of Allergic-asthmatic-COPD-skin allergy patients far and wide along with Gulf patients. We are small but big enough to serve the patient community in whichever way they need help and assure them an Easy Breathe.

Dr. Nair’s Hospital Asramam, Kollam - 691 002 Ph: +91 474 2766180 - 185 Email: mail@drnairshospital.com Web: www.drnairshospital.com Dr.Nair’s Hospital has risen to be on par with the best in Kollam, Kerala, in terms of technical expertise, deliverables and outcomes. It has now evolved into one of a kind institution. Dr.Nair’s Hospital is the first ISO 9001-2008 multi speciality hospital in Kollam, Kerala and a perfect example of an integrated healthcare system offering solutions.

Dr.Nair’s Hospital, a 300 bedded multi-specialty hospital with over 25 specialties covers the entire spectrum from illness to wellness and is thus a health care organization handling close to 1 lakh patients a year. In Dr.Nair’s Hospital, most of the consultants have international experience either educational, work experience - related or observational. The average staff to patient ratio for the hospital is 5:1 with a 1:1 ratio prevailing in priority areas like the Intensive Care Unit and the Cardiac Care Unit.

Dr.P.Mohan Nair, M.S, S/o. Late Dr. K.P.Nair, (Founder Director) 130 medical tourism

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is the present Director of the Hospital and he is assisted

by Ms. Usha Mohan Nair, Chief Executive Officer. Some of the value added services offered at Dr.Nair’s Hospital are Accommodation of patient’s attendants, Personal attention, Guest relations service, Dedicated staff, 24hrs coffee shop, well equipped hospital cafeteria, 24hrs ambulance service etc. Neonatal Intensive care unit (NICU) at Dr. Nair’s Hospital is one of the best units in Kerala specializing in the care of ill or premature newborn infants and directed by well qualified and experienced Neonatologists and specially trained staff nurses. Low birth weight babies of 600 gm and 24 week premature babies have gone home from our Institution in good health. Team consist of Dr. Rajesh Chandran .P, Dr. Prakash Mathew (Neonatologists) is heading the department of Neonatology. The unit taken care 24hrs by trained Resident Doctors. Dr.Nair’s hospital has recently introduced HAL RAR surgery (for Haemorrhoids) suitable for treating low to medium grade haemorrhoids, and is extremely effective in addressing the symptoms of haemorrhoidal disease. The RAR method is used to treat the prolapsing haemorrhoids that occur during more advanced stages of disease. Dr. P.Mohan Nair M.S., specially trained for this surgery is handling this department. Our other departments are Aneasthesiology, Dermatology, Dentistry, ENT, Gastroenterology, Gyenacology, Orthopaedics, Opthalmology, Peaditrics, Psychiatry, Plastic & Reconstrictive surgery, surgery & urology, cardiology, Nephrology, Dialysis, Neo Level II and III and General Medicine. We have now completed 45 yrs of service in the health care.

Dr. Sathy Pillai’s Samad IVF Hospital Pattoor, Trivandrum - 695 035 Ph: +91 471 2451926, 2474203 Fax: +91 471 2574045 Email: info@samadhospital.com Web: www.samadhospital.com Every married couple desires to fulfill their dream of a family. All are not successful in their endeavors. It is for those childless couples who feel they need help and

support in their journey for a family that Samad IVF Hospitals are set up. Dr. Sathy Pillai’s Samad IVF Hospitals is a chain of super specialty hospitals for infertility and Assisted Reproductive Technology Centre (ART) in Kerala.

Samad IVF Hospital services are available at Attingal, Kollam, Kochi and Trivandrum. Samad IVF Hospital is the first IVF Hospital in South Kerala. It is the first ISO 9001-2000 certified IVF Hospital in Kerala. It is also India’s first NABH Certified IVF Hospital. Samad IVF Hospital in Kerala is accredited by Indian Society for Assisted Reproduction (ISAR) for good medical practices. The hospital adorns the status of ICMR Enrolled Art Clinic. Dr. Sathy M Pillai, MD, DGO is the Chief Medical Officer and an infertility specialist with more than thirty years experience to her credit. Samad IVF Hospital has been setup so as to give all treatments for male and female infertility under one roof.

Dream Flower IVF Centre Centre @ Janardan Hospital Bank Road, Kasaragod - 671 121 Ph: +91 4994 230243, 94470 00616 Email: jayalakshmisuraj@yahoo.com Web: www.ivfkeraladf.com Dream Flower IVF Centre is the first and only IVF centre of North Malabar. It is situated in the premises of the Janardan Hospital, in the heart of Kasaragod. The centre is set up with all modern equipments. Sophisticated

support therapies are provided by the highly qualified and devoted experts in the field. It is specially convenient for those who seek treatment here as a complete infertility care is provided under one roof. The treatment is structured to suit individual situations and special needs. Special care is taken about each patient by the experts and the support staff. The treatment is provided in the most costeffective manner but without compromising on quality and ethical standards. The expert team is headed by Dr. K.P. Suraj MD - the Medical Director, assisted by Dr. Jayalakshmi Suraj MD, DGO, Dip. in Gynaec Endoscopy (Germany) - the IVF Co-ordinator. All modern and up to date treatment plans are offered here. IVF-ICSI is the treatment of choice for the following causes of infertility AZOO Spermia/ Oligo asthero Spermia, Tubal block, Severe Endometriosis, Poly Cystic Ovarian disease, Advanced age where fertility declines, Unexplained infertility, Failed IUI treatment, Premature ovarian Failure. The facilities offered here are the best in the system. This includes Ovulation induction, HSG (Hystero Salpingo Gram), Intra Uterine Insemination, In V itro Fertilisation (IVF), Intra Cytoplasmic Sperm Injection (ICSI), PESA, TESA, TESE, Sperm Freezing, Blaslocyst Culture and transfer, Diagnostic and advanced operative Hysterolaparoscopy, High Risk Pregnancy care, Trans Vaginal Sonography, Trans Abdominal Sonography.

Indo-American Hospital ‘Brain & Spine Centre’ Chemmanakary, Vaikom - 686 143 Kerala, India Ph: +91 4829 273281,273282,273283 9446083281, 9747553281 indoamericanhospital@rediffmail.com Web: www.indoamericanhospital.in “I was born with nothing; I was educated by the people of Chemmanakary V illage, and this is what I owe to them” Dr. Kumar Bahuleyan. Once, Chemmanakary was a fishing hamlet swampy in the hinterland. In Vaikom taluk unemployment was high. There was no sanitation, potable

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all facilities as available in any of the finest hospitals in Europe or USA. The Hospital proffers world class diagnostic and curative facilities in Neurosurgery (Brain, Spine and Thoracic), Neurology, Neuro-Radiology, Physical Medicine and Rehabilitation, Neuro-Anaesthesiology, Head and Neck Surgery, Clinical/Neuro Pathology and Orthopaedics.

Some special services offered round the clock are admission of head / spinal injury patients, admission of stroke and emergency neuro cases, registration of medicolegal cases, 24-hours CT scan (spiral) facility, Blood-Bank facility, readily available ambulance at hospital campus and an MRI unit is under construction. A Panel of eminent consultants in various specialities are available on call to attend to poly trauma cases.

drinking water or healthcare. Majority of the underprivileged inhabitants were caught in a vortex of poverty, starvation and deprivation. Survival was tough and escape from the quagmire was an impossible dream. Emotionally aroused Dr K Bahuleyan, MBBS (Madras), MD (USA), FACS, FRCS (Edinburgh), FRCS (Glasgow) was determined to ‘clean up the mess’ and in 1989 established a ‘Not-for-Profit’ charitable organization named “Bahuleyan Charitable Foundation” to bring the basic needs of healthcare and education to the village. The Bahuleyan Charitable Foundation, inspired by Dr Bahuleyan, built a small clinic at Chemmanakary for women and children in 1993. That clinic has now grown to the stature of Indo-American Hospital, Brain and Spine Centre which besides being a super specialty hospital also houses a general hospital with Physiotherapy, General Medicine and ENT departments. A ‘Community Health Centre’ also provides free treatment to the locals. Indo-American Hospital, Brain and Spine Centre is a supreme blend of American Technology coupled with Indian Tradition of selfless service to Humanity. This Super Specialty Hospital provides 132 medical tourism

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KJK Hospital Fertility Research and Gynaec Centre Shawallace Lane, Nalanchira Trivandrum, Kerala, India Ph: +91 471 2544080, 2544705, 2544706 Fax: +91 471 2543926 Email: kjkhospital@gmail.com Web: www.kjkhospital.com K J K Hospital is well recognised as one of the leading infertility centre in Trivandrum, Kerala. Under the aegis of Dr. K. Jayakrishnan the centre has grown into leader in infertility treatment. We believe that every couple has right to experience the bias bliss of parenthood. That’s the reason, KJK Hospital has devoted itself to help couple from different parts of the country to achieve parenthood.

Backed by high class of infrastructure & experienced medical professionals we have assisted Laparoscopy and Hysteroscopy surgeries and more than 30 year of experience in treating infertile couples.

We provide the very highest standards of clinical skills & nursing care across a wide range of specialties. Our service includes high patient care, IUI, ART – IVF, ICSI, IMSI (Intracytoplasmic Morphologically Selected Sperm). IMSI add another

dimension to ICSI by introducing a step in which the best possible sperm cell is selected to almost double the chance of fertilization. Assisted Laser Hatching of the embryos has been introduced for repeated implantation failure with high success rate. Beside that we have fully equipped laboratories for Andrology, Embryology, V irtification (cryopreservation of Embryo/semen), equipped CO 2 Incubators, micromanipulator systems, fully automated systems for hormonal assay, ultrasonography, Interventional sonography & colour doppler USS scan, state of art Operation theaters with advanced equipment for operative laproscopy, including 3D Laproscope which offers precise 3 dimensional imaging that enhance precision and give better prognosis with decrease morbidity, decrease operation time & at affordable cost.

Facilities for Operative Hysteroscopy, full antenatal care, labour room with advanced facilities and highest obstetric care, inpatient facilities, peadiatric services, laboratory services including semen quantitative analysis and in house drug store, canteen facilities offered by the hospital all under one roof.

Krishnendu Ayurveda Hospital Chingoli P.O, Karthikappally, Alappuzha Ph: +91 479 2486337, 2485588 Email: krishnenduhospital@gmail.com Web: www.krishnendu.org Ayurveda, the holistic healing system is divine with its age-old history. Down the centuries, this science of life has proved beyond doubts that it is pure and effective in bringing glory to life, beating diseases and other body disorders. This art of healing boosts up your energy level stamina and alleviates your stress and anxiety, there by giving you a healthy mind in a healthy body. Following the hallowed mantra of ayurveda, krishnendu is completely dedicated to propagate this authentic healing system and comes as a clear choice for treatment and rejuvenation programmes. Established in 1908 by late M.C.Kunjuraman vaidyan and developed by Vaidya Kala Nidhi R.Krishnan Vaidyan, Krishnendu has been rich in possessing wisdom of four generations with the grace of ayurveda to cure and refresh Nestled at picturesque and refreshing ambience, Krishnendu brings exclusive, holistic and personalized

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treatment programme for a host of diseases including Arthritis and spine disorders to restore optimal health and well being. In Krishnendu various combinations of ayurvedic therapies are advised after a detailed examination of the patient medical history at the initial consultation. Then the patients will receive an individualized module consisting of therapeutic massage, dietary counseling, body detoxification and rejuvenating treatment. All therapies are conducted under the supervision of professional ayurvedic physicians. As part of extended rejuvenation programme, Krishnendu’s packages include the five fold body purification or detoxification programme known as panchakarma and the renowned ayurvedic way of rejuvenation known as Kayakalpa. Krishnendu Holds ISO 9001-2008 along with Green Leaf certification from Ministry of Health, Govt of Kerala as an authentic ayurvedic treatment center for medical reimbursement to its employees.

Lakeshore Hospital & Research Centre Ltd. Maradu, P.O. Nettoor, Kochi - 682 040 Ph: +91 484 2703951, Fax: +91 484 2701996 Email: info@lakeshorehospital.com Web: www.lakeshorehospital.com Initiated by a group of medical professionals under the leadership of Padma Shri Dr. Philip Augustine as a new business model in advanced healthcare delivery, The Lakeshore Hospital & Research Centre Ltd., in Kochi, Kerala seems to have set a model for several such initiatives in India. In the short span of its existence Lakeshore has achieved much more than its original mission of bringing world class health care to the people of Kerala at affordable cost. The impact of Lakeshore was so much that people from the rest of the country and the nonresident Indian communities also have accepted this institution as a centre of excellence in healthcare. With its extremely talented medical staff and world class infrastructure it was no surprise to see overseas patients 134 medical tourism

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Proposed Lakeshore Building

from several countries frequenting the hospital to avail high end treatments like cardiac surgeries, joint replacements, keyhole abdominal surgeries, pinhole neuro surgeries, advanced endoscopic treatments and even transplant surgeries. For the aspiring medical value travelers, Lakeshore Hospital & Research Centre offers the best eco-friendly experience of high end treatments at possibly the lowest rates anywhere in the world. To add to this, the celebrated Kerala hospitality and the humane touch of the Nightingales of Kerala give you an unparalleled experience of “Medical Tourism” here.

Experiences of numerous patients from around the globe bear the testimony to this fact. This institution is already a landmark in the fast improving healthcare scenario of Kerala. Work is already in progress for second phase of Lakeshore Hospital, which will have world class facility for advanced cancer care and upgraded centres for Gastroenterology and Cardiology.

Lords Hospital Chackai, P.O. Anayara Trivandrum - 695 029 Ph: +91 471 3045 111, 2741111 Fax: +91 471 2742424 Email: lords@lordshospital.org Web: www.lordshospital.org Lords Hospital, a multi specialty ISO 9001:2008 certified medical centre with advanced keyhole surgical facilities was commissioned at the start of the new millennium to deliver accessible, high quality health services in a focused and caring environment. The close proximity to the National Highway bypass, Pettah Railway Station and Trivandrum International Airport is the locational advantage unique to the hospital. The hospital houses state-of-the-art equipments and makes use of the best technology in the medical field and is well supported by a highly enthusiastic, qualified and well-experienced medical team. The Laparoscopic Surgery Unit with its excellent infrastructure headed by Padma Shri Prof. Dr. K.P. Haridas continues to conduct the most challenging laparoscopic, liver and pancreatic surgeries. A combination of all these factors has helped the hospital in becoming a major referral centre for advanced medical treatment in South India. Lords is committed to providing affordable, quality health care to patients by incorporating improvement in its day-to-day schedule. It provides continuous and regular training for employees to bring out the best in them to achieve quality improvement in service. The hospital understands the needs of the patients and upholds standards of professionalism to improve the level of patient satisfaction. It renders quality service that is responsive, efficient, courteous and helpful.

The hospital has all the advanced facilities required for aiding accurate diagnosis. Other amenities include central gas supply, standby generator, water purification plant, sewage treatment plant and cafeteria / restaurant. Round the clock emergency service manned by a dedicated team of professionals is one of Lords’ strengths. Advanced

laboratory facilities, Scanning, Imageology, multi channel ECG machine etc. complement Lords’ services. Lords’ well established Laparoscopic facility and Upper GI endoscopic unit needs to be highlighted. Being a premier centre for laparoscopy, liver, pancreatic and thyroid surgeries, they undertake advanced Laparoscopic procedures in various specialities. Lords most advanced endo-urology facility deals with all types of kidney diseases. The hospital has been running an excellent Nursing School nurtured by professional medical faculty from 2004 onwards. With an ethical and service-oriented growth, Lords Hospital delivers patient care of the highest order at the most affordable rates without compromising on quality.

Malabar Institute of Medical Sciences Ltd. Mini By-pass Road, P.O. Govindapuram Calicut - 673 016, Kerala, India Ph: +91 495 3911400 Fax: +91 495 2741329 Email: mimsclt@mimsindia.com Web: www.mimsindia.com Malabar Institute of Medical Sciences Ltd. (MIMS), offering the finest referral tertiary healthcare in North Kerala. MIMS combines the advantage of serene environment, world

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class tertiary healthcare facilities at affordable costs.

MIMS, the First NABH accredited Multi-speciality hospital in India, has set international standards in medical expertise, nursing care and diagnostic services, with over 40 disciplines supported by highly experienced healthcare professionals with most modern medical equipments.

MIMS Laboratory Services is the first NABL accredited hospital Laboratory in North Kerala. MIMS is the First Liver transplant centre in North Kerala and the second centre in India with 3D Laparoscopic Urology. The hospital continuously updates clinical and other programs in line with the challenges posed by ever-evolving technology, meeting the changing needs of the society. The MIMS Hospitals at Calicut and Kottakkal under the Chairmanship of Dr. Azad Moopen, a doctor turned entrepreneur from Kerala, is also the founder of DM Healthcare which is a leading healthcare conglomerate in the Middle East and India. His endeavors brought quality healthcare at an affordable cost closer to the people, delivered with care 136 medical tourism

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and compassion. MIMS has set up an exclusive International Desk that offers a single window arrangement for foreign national patients. This includes pre hospital screening at the country of residence, visa liaising, flight ticket, proposed management cost to the whole package etc. Some of the salient features of this program are Exclusive Floor for International patients, Multi linguistic Guest Relation Executives, Wi-Fi internet connection, Individual patient attention by the Guest Assistants, Transportation assistance in Calicut, Sight seeing programs on request, Assistance for VISA registration and other formalities, High quality food with hygienic environment etc. The other Support Facilities are 14 well equipped Operation Theatres, State-of-the-art medical equipments (1.5 Tesla MRI, 128 Slice CT, Two Cardiac Catheterization labs with latest facilities like IVUS and FFR), V ideo endoscopes, SPECT CT & GAMMA Camera, PET CT, Linear Accelerator and Brachytherapy for Radiation, Excellent facility for providing emergency and trauma care of level 4 status for various emergencies (heart attack, road traffic accidents, snake bites, burn injuries, internal bleeding etc), One among the few IT enabled hospitals in India which maintains 100% electronic medical records, Blood bank with component separation facility, 24 hours Pharmacy facility, World standard CSSD department that assures zero rate nosocomial infection, MIMS has one of the best and most effective programs in disposal and treatment of hospital waste with state-of-the-art Sewage Treatment Plant and Quality Assurance Department etc. MIMS Kottakkal: MIMS corporate philosophy makes it imperative to share knowledge and expertise for the benefit of neighborhood communities. As a step in that direction, MIMS has setup its first of the many satellite hospitals at Kottakkal, Malappuram. MIMS has already started projects at Perithalmanna and Kannur in Kerala apart from the expansion of Calicut & Kottakkal hospitals. MIMS also starts Primary Medical Centres at various part of Malabar.

Matha Medical Centre Mathilil P.O, Near Ashtamudi Lake Kollam - 691 601 Ph: +91 474 2703003, 2704003, 97463 00111 Fax: +91 474 2704396 Email: mathamedicalcentre@gmail.com Web: www.mathamedicalcentre.com Matha Medical Centre is a 200 bedded, ISO 9001:2008 certified multi-speciality hospital located in Near Ashtamudi Lake, Mathilil, Kollam. This hospital was started in the year 1999 August and offering services in the field of General Medicine led by Dr. Devapal MD, with full fledged medical ward, Medical ICU, facilities to handle all routine medical problems., Respiratory medicine led

by Dr. Sonia DTCD, DNB, having advanced respiratory medical care, special care for Asthma and Allergies, facility for allergy test, Spirometry and pulmonary function test, Smoking cessation clinic, sleep lab & bronchoscopy coming soon., General Surgery led by Dr. Shaji.D MS with Full fledged surgical ward, surgical ICU, Endoscopy, Laparoscopy facilities to handle all general surgical procedures like thyroidectomy, parotidectomy, herniorrhaphy, breast surgery, hemorrhoidectomy, stapler haemarrhoidectomy, emergency surgery,

abdominal, head and neck surgeries., Gynaecology led by Dr. Asha Rani MD (O&G) and Dr. Jane George MD, DGO, having full fledged labor room, Antenatal Ward, Gynaec Ward, U.S.S, Infertility Management, IUI Facility, Gynaec Laparoscopy, Endosonogram, Orthopaedics led by Dr. Pradeep George, E.N.T led by Dr. Saju B Appan MS having full fledged surgical ward, facilities to handle all ENT prcedures like Tonsillectomy, Septoplast, Head & Neck Surgery, Diagnostic nasal endoscopy, FESS & related surgeries., Ophthalmology led by Dr. Shiney Shaji with facilities to handle all general opthalmic procedure., Paediatrics led by Dr. M.P. Radhakrishnan Nair DCH with all the facilities to handle routine pediatric problems and Neonatology, Cardiology led

by Dr.Rachel Daniel MD and Dr. Sujay Renga , Urology led by Dr.Rajanikanth.V.S, GastroEnterology led by Dr. Shaji and Physiotherapy led by Ms. Simi MPT. PSG Hospitals Peelamedu, Coimbatore - 641 004 Tamil Nadu, India Ph: +91 422 4345353, 2598822 Help Line: +91 99521 49911 Email: psghospitals@psgimsr.ac.in Web: www.psghospitals.com The First Teaching Hospital in Tamilnadu to be Accredited by NABH. PSG Hospitals established by the PSG & Sons Charities, is a symbol of relentless pursuance towards rendering sophisticated high quality care, at an affordable cost, to the sick and needy. With 25 years of dedicated medical service, the hospital is endowed with a rich pool of committed staff, bringing together a dedicated squad of doctors, nurses and other healthcare professionals. Spread across 94 acres and alongside the health sciences academic institutions. PSG Hospitals is located in inspiring settings. Spacious out-patient departments and wards, as well as the vast green surroundings provide the ideal ambience for the patients seeking care for their ailments.

Consistently investing in technology and infrastructure to

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research, both clinical and molecular. In fact, the institution has an advanced research lab, with several national and international funded projects. Finally, the hospital has a state of the art simulation lab, which allows doctors to hone their skills and practice procedures.

S.U.T. Hospital, Pattom P.O. Pattom Palace Thiruvananthapuram - 695 004 Kerala, India.

Ph: +91 471 4077777, 4077888 Fax: +91 471 2444304 Email: info@sutpattom.com Web: www.sutpattom.com

match international benchmarks, the hospital is committed to provide world class comprehensive care to its patients.

The particular strengths are ethical practice of medicine, compassionate and empathetic touch to the art of healing, and a fixed and transparent fee schedule. PSG Hospitals continues to be a beacon of light for its patients, providing a sanctuary for the healing of the mind and the body. PSG Hospitals is a nine hundred bedded multispecialty hospital, with State of the Art facilities. The edge, however, is by virtue of being a teaching affiliate of PSG Institute of Medical Sciences & Research. First and foremost, the clinicians are, by virtue of being academicians and teachers in their specialty, well up on the advancements in the field. Evidence based medicine is practiced, ensuring accepted standards of medical care to patients. Secondly, the hospital has all the clinical departments and diagnostic services under one roof, thus providing comprehensive care. A medical college hospital also requires specialists to be on duty and be available within the hospital 24 hours a day. There is a strong emphasis on 138 medical tourism

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Sree Uthradom Thirunal (SUT) Hospital, founded in the year 1987 has gained reputation for its outstanding services in the field of healthcare. SUT has become a destination of choice for quality medical care for the residents of Thiruvananthapuram and neighbouring regions. It provides high quality care in a reassuring and responsive environment. Plans are on to increase the capacity of the hospital to 400 beds in order to offer better and enhanced services to a larger section of the population. The hospital will continue to be the referral point for secondary hospitals in the vicinity. The first multi-speciality hospital in Kerala, SUT Hospital offers dedicated medical and surgical treatments with 24hour emergency services. The first private hospital in Kerala to perform Open Heart Surgery and start a Cardiac Catheterization Lab, SUT Hospital has been credited with introducing many advanced techniques and procedures in the medical history of Kerala such as Balloon Mitral Valvuloplasty and Bypass Surgery on beating heart. The hospital retains the longest and the best safety record in Elective Open Heart Surgery including Coronary Bypass Surgery. Accurate, Scientific and Precise are the three words that encapsulates the SUT motto. The features that has enabled SUT to say

ahead of the race are: Advanced Technology, Modern Infrastructure, Well qualified, young diligent doctors and staff, and total patient care, SUT is all set to start its ‘Physician Management Alignment Program’ through which benchmarks will be created in the fields of Diagnosis, Treatment, Nursing and Surgery. Health care goals are demonstrative of diverse characteristics. It is safe as it is free from any hazard or risk to the patients. It is effective, providing services based on scientific knowledge. The care given is patient-centered being respectful and responsive to individual patient preferences. Timely attention reduces critical delays and long waits. The treatment is equitable providing equal care for all. The measures of healthcare provided at SUT are compared to benchmarks of international excellence. The methods are innovative as the hospital expands knowledge through a solid foundation of education and research. The treatment given and the functioning are appropriate as per the culture and the governmental instructions of the area. SUT works in co-ordination with other health care facilities for better

results for the patients. SUT Hospital Pattom, has been steadily working towards promoting better quality of life by enhancing delivery of health care services in patient care. SUT has recently joined hands with Kerala Academy for Skills Excellence (KASE) to set up Centre of Excellence for Nursing called NICE- Nursing Institute for Career Enhancement.The Institute provides opportunities in nursing skill development by providing quality and relevant training programs that will enable nurses to enhance their leadership qualities, and improve their career and professional development opportunities globally. This institute will surely add value to the socio-economic fabric of Kerala. Dr. B.R. Shetty, the Chairman of SUTand BR Life group of hospitals is the Founder, CEO and MD of New Medical Centre which is one of the largest hospital chains in Middle East and is UAE’s largest private sector healthcare provider. Sree Uthradom Thirunal (SUT) Hospital, Pattom, Thiruvananthapuram was the first BR Life hospital in India. Sree NarayanaHospital (SNH), Raipur, The Grande International Hospital (GIH), Nepal and the upcoming Nepal Mediciti are the other hospitals under BR Life. Dr. Shetty who has been honoured with Padmashri from the Government of India believes that “Healthcare is simply not about detecting, diagnosis or treating an individual but it is much more than that - It is about helping people to lead a wholesome and healthy life”. Mr. Sudhakar Jayaram is currently the MD and CEO of SUT Hospital and is also the Country Head and Group CEO of Bright Life network of Hospitals (Owned by Dr. Shetty), a leading health care brand with hospitals across the Indian subcontinent, Middle East and Africa. Mr. Sudhakar Jayaram says “Knowing that healthier communities build prosperous countries, we steadily work towards our goal of working together for a healthier India. At SUT, we believe in promoting better quality of life, by facilitating people’s access to best breed of healthcare services”.

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replacement surgery using pre-plan patient specific Jigs.

With over 20 full-fledged and highly specialized departments including Gastroenterology, Orthopedics, Gynecology, Advanced Neonatology, Nephrology, Neurology, Urology and Cardiology, in house drug store and excellent ambulatory services including “Heal On Wheel�, an ambulance with doctor and team to face any emergency at the beck and call round the clock.

Sree Narayana Institute of Medical Sciences (SNIMS) North Kuthiyathodu P.O, Chalakka Ernakulam District, Kerala - 683 594, India Ph: +91 484 2573023, 2573024, Fax: 2478093 Email: snims1@gmail.com Web: www.snims.org

SK Hospital Edappazhinji, Pangode Thiruvananthapuram - 695 006 Ph: +91 471 30222222, 3250038 Fax: +91 471 2356261 24 hours Tele. booking No. 2356260 Email: skhospitals@yahoo.co.in Web: www.skhospitals.com SK Hospital has made quality health care to communities in and around Thiruvananthapuram since 2003. Today we continue to take pride in our commitment to you - bringing medical advances closer to home. This is a 300 bedded multi specialty hospital which is a land mark health care in Kerala with multi disciplinary capacity, state-of-the-art facilities and excellent patient care. This hospital is poised to become the most advanced health care destination in this part of Kerala. Since inspection SK Hospital has maintained unswerving focus on evolving in to a monument of pioneering medical treatment and practice. SK has spearheaded intricate surgeries and pioneered several medical procedures including bilateral single sitting knee 140 medical tourism

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This 500 bedded hospital situated in a 40 plus acre land is located on the roadside on the Athani Paravur Road and is a tertiary care center for the population between Ernakulum and Trissur especially for patients from North Paravoor, Aluva, Mala, and Kodungalloor and nearby areas. It also caters to ECHS and almost all health insurance firms. We do have an Accident and Emergency Room functioning round the clock and are supported by 24 hour laboratory and Radiology services like X-rays, Ultrasonography and 16 slice CT Scan services. Specialists are available round the clock for immediate and prompt care. We have fully equipped ICU services, Operation theaters and labour room. All speciality departments are functional in our hospital in addition to superspeciality departments like Cardiology, Neurosurgery, Gastroenterology, Urology and Paediatric surgery. The Bone and Joint Unit has excelled as the front runner in joint replacement surgery with more than 400 successful surgeries. We started the MBBS classes in the year 2009 with a batch strength of 100 students each and our first batch is appearing for the final examination in 2014. Of these, students allotted by the Government are admitted in 50 seats and the remaining 50 are filled by students who pass the entrance examination conducted

by the management with the approval of the Government.

We are blessed that we have experienced faculty from all over India, who have excelled in teaching and research in their disciplines. Our medical and nursing staff are selected after close scrutiny and find a mix of seniors with ambitious juniors who undergo training sessions and workshops in addition to routine CMEs.The nursing and nonclinical staff extend dedicated care and they undergo regular trainings to hone their skills. What makes SNIMS unique is that as a charitable organisation, the management is interested to provide medical care without profit motive. This attitude helps to keep rates comparatively lower so that the population between Ernakulum and Trissur can avail specialized medical care at affordable rates.

Sri Narayani Hospital & Research Centre Sripuram, Vellore - 632 055 Tamilnadu, India Ph: +91 416 2206300 - 302 Mob: +91 99524 16821, 99524 16824 Email: info@snhrc.org Web: www.snhrc.org The Narayani Peedam was established by His Holiness Sri Sakthi Amma in the year 1992. With the Divine Blessings of

Sri Sakthi Amma, Narayani Peedam is spreading the message of love, brotherhood, service, religious tolerance and spiritual awakening, and is also making a significant contribution in social and community service, education and empowerment of the deprived and the downtrodden.

The Golden Temple is a spiritual Oasis and an architectural marvel created by “AMMA” and is visited by thousands of people from all over the world. Sri Narayani Hospital & Research Centre is a 250 bedded, tertiary care hospital colocated with the Golden Temple and is managed by ‘Sri Sakthi Amma Health Care Trust ’. The hospital provides health care with empathy and compassion to all, irrespective of their caste, creed, religion or economic status. No patient who visits the hospital is denied treatment because he or she cannot afford it. The goodwill that the hospital has created amidst the community it serves is such, that in a period of less than eight years, the hospital has earned a position of reckoning amidst health care providers in Tamil Nadu. The Arogya project initiated by AMMA provides for health screening, primary health care and provisions for affected children to undergo major heart surgery at free of cost. Similarly, every year many needy students from poor rural background are supported for medical and other collegiate education.

AMMA’s vision of providing affordable health care to the

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rural population has led to the setting up of Sri Narayani Hospital and Research Centre in 2004. The hospital which initially started as a primary and secondary care centre, has grown leaps and bounds with AMMA’s blessings and is today a well equipped centre offering state-of-the-art tertiary health care in many specialities thus enabling affordable healthcare to the poor and the needy. Sri Narayani Hospital and Research Centre has a team of 900 employees including 75 highly qualified consultants. We also have a very competent team of nurses, technicians and support staff who ensure high quality of service to our patients. The Emergency department functions round the clock and attends to emergencies at all times. The ICU and Coronary care unit are well equipped with ventilators, monitors and well trained staff to provide 24 hours service.

The dialysis unit provides round the clock haemo dialysis for renal failure patients and an average of 1000 dialysis are done in a month. This is done under the supervision of two Nephrologists, trained dialysis technicians and nurses. On an average 3000 to 4000 major and minor operations are performed in a year by the surgery department consisting of five consultants ably supported by a team of 6 anaesthetists, technicians and nurses. The urology department with two consultants and a team of well qualified technicians and nursing staff provide highly specialized care including all known surgical procedures to alleviate pain and suffering and provide succor to the affected population. Likewise the neurology department with three neurosurgeons and a neurologist with well equipped theatres and qualified support staff provide care in trauma and elective cases. We have a heavy load of outpatients ranging from 700 to 1000 per day, on an average.

The hospital is on an expansion mode with 100 more beds under construction. The hospital has a very strong peripheral outreach programme. We conduct 20-25 camps a month where physicians and specialists visit the rural areas to examine and treat patients at their doorstep.

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the hospital and are offered subsidized health care. The hospital has in letter and spirit followed AMMA’s vision of providing Service with empathy and compassion to the needy population in and around Vellore. It has also gone on to provide tertiary care to those in need at highly subsidized and affordable rates. The hospital has now spread its reputation far and wide and we have a regular flow of patients from west Bengal, North Eastern States and Bangaladesh. The new super specialty block with 100 beds and state-of-the-art equipment and theatre complex is likely to be ready by the end of the year thus adding on considerably to the existing facilities. We also have a BioMedical Research laboratory which undertakes research on projects approved by ICMR and other agencies and trains doctoral and post doctoral research students in various disciplines. As a recognition of excellence in community services undertaken by the hospital, Sri Narayani Hospital and Research Centre has been awarded for “Excellence in Community Engagement” by the Association of Healthcare Providers India (AHPI), a national organization of healthcare providers in India, at their Global Conclave on 23rd February 2015.

Thangam Hospital of PMRC Chadanamkurussi West Yakkara Palakkad, Kerala - 678 004, India Ph: +91 491 2515717 (8 Lines) Ambulance: +91-944 777 5717 Web: www.thangampmrc.com The erstwhile granary of Kerala is better known today as a rapidly growing centre of medical excellence, thanks to the pioneering strides made by Thangam Hospital of PMRC (Palakkad Medical & Research Centre) - a unique, 300 bedded healthcare destination, offering subsidised medical care of exceptional quality in all primary specialities and super specialities including Cardiology, Neurology, Urology, Nephrology, Gastroenterology and Limb Reconstruction (limb

lengthening and deformity correction), alongside comprehensive and integrated healthcare facilities. Other medical specialities include Accident & Trauma, Anaesthesia & Critical Care, ENT, General Surgery including Laparoscopic Surgery, General Medicine & Diabetology, Gynaecology, Infertility & Reproductive Medicine, Orthopaedics, Oncology with attached Pain & Palliative Unit, Ophthalmology, Paediatrics & Neonatology, Pulmonology and Dermatology. The Hospital also has a state of the art laboratory that is managed by two full time pathologists, who conduct all investigations under one roof, and a Radiology department with all modalities of Imaging Services including MRI, CT, Ultrasound, Digital Mammogram and Long View Exposure Cassette used in Digital X-Ray (by the Department of Limb Reconstruction, which has patients visiting from all over India and overseas), in order to ensure that patient diagnosis and treatment, are both prompt and precise. Established as the first corporate hospital in Palakkad and a prominent player in the industry, the Thangam campus is a sprawling and green estate that houses a team of dedicated doctors in all major disciplines, as well as numerous paramedical staff and healthcare professionals who work round the clock, making themselves available to all patients, at all times, and attending to their needs with the utmost care. No patient is referred out of the hospital unless absolutely necessary, or in that rare instance where specific facilities are unavailable in the Hospital. This in itself, is an indication of the confidence with which the doctors and staff carry out their work in the

hospital. A dynamic front office, multiple enquiry desks, round the clock emergency and trauma centre with attached MOT (Minor Operation Theatre) and ambulance services, multiple consultants committed to 24x7 patient care, Resident Medical Officers on the floor and in critical areas like ICUs, the presence of vigilant, skilled paramedical and nursing staff, besides other thoughtful additions like a Stem Cell Collection Centre, Diabetic Clinic, Campus Dietitians and Physiotherapists, in-house Modular Pharmacy, WiFi Zones, Waiting Areas & Bystander Accommodation, Close Circuit Security Systems, ATM Kiosks and a hygienic, vegetarian canteen & snack bar, make the Hospital an autonomous, infrastructurally sound campus offering multiple conveniences to patients and their bystanders.

Built on the foundation of its values, Thangam also takes pride in its multiple community initiatives that span key areas including Education, Medical Aid & Assistance, Energy Conservation, Recycling, Public Awareness and Opportunity Creation amongst a demographic where these remain overwhelming challenges. Facilities like Antenatal classes for expecting couples, Screening, Assessment and Remediation for various learning disorders in children in association with ALDI (Association of Learning Disabilities in India) and a suicide prevention hotline CHANGATHI (friend) alongside psychological assessments and counselling services by trained professionals, are made available free of cost to the public. As an Accredited Hospital for Karunya Benevolent Fund Scheme (a Kerala Government Initiative that gives Financial Aid to the needy), the Hospital provides several heavily subsidised services, like Angioplasty under the department of Cardiology, and Dialysis under the department of Nephrology, for both infected and non-infected patients in a world-class environment utilising the highest quality imported machines – the first of its kind to be established in Palakkad.

Situated away from the city crowd, yet easily accessible, and equipped with cutting edge research, the latest technology, clinical experts and modern medical equipment, but in a serene atmosphere, surrounded by lush green paddy

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fields, hillocks and rivers, Thangam is a taste of the best of both worlds – contemporaneity and innovation on the one hand, old world charm and traditional hospitality on the other. Here, at whatever hour you come, you will find light, help and human kindness.

The Arya Vaidya Pharmacy (Coimbatore) Ltd. Corporate Office: 42, Perumal Koil Street Ramanathapuram P.O Coimbatore - 641 045 Ph: +91 422 2315412, 4322999 Email: avt@avpayurveda.com Web: www.avpayurveda.com Since its inception in 1943, The Arya Vaidya Pharmacy (Coimbatore) Limited [AVP] has established a ‘highly regarded’ reputation for treating ailments through authentic ayurvedic medications and processes. Presently led by Shri. P R Krishnakumar, the founder ’s (Late Aryavaidyan P.V. Rama Varier) son, AVP has over the years expanded from ‘treatment centres’ to the field of ‘ayurvedic training and education’, ‘ayurvedic medicine manufacturing’ and ‘manufacturing of ayurvedic equipment’ to ensure a high quality of practitioners, remedies and equipment. The twin values of commitment to ‘quality of care’ and ‘purity of treatment’ are the distinguishing factors of AVP. The main treatment facility of AVP called The Arya Vaidya Chikitsalayam & Research Institute (AVC), functioning since 1957, is located in the heart of Coimbatore city in Tamil Nadu state, India. AVC has the distinction of being one of the first ayurvedic hospitals to become ISO 9001:2008 certified for its compliance with international quality standards. Since 1970s AVC has partnered with Indian Council of Medical Research (ICMR) and the World Health Organization (WHO) in further research and propagation of ayurveda including clinical trials such as efficacy of ayurvedic treatment in curing rheumatoid arthritis. In recognition of this pioneering work, AVC has been the recipient of funding by 144 medical tourism

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National Institutes of Health (NIH), USA for the first ever clinical research project to scientifically evaluate Ayurveda outside the USA. After much scrutiny by the western media and medical fraternity, due to its relentless efforts to propagate ayurveda, AVC has been featured by the Public Broadcasting Service (PBS) in its investigative feature on Ayurveda and it has also been acclaimed as the ‘Mayo Clinic of Ayurveda’ by the Washington Post! AVC provides classical ‘Panchakarma’ and traditional ‘Kerala Treatments’ based on assessment by the physician.

Specialized ayurveda care is offered for ano-rectal diseases like piles and fistula and also for eye diseases.

AVC provides out-patient as well as residential in-patient facilities in its unique green campus which offers different categories of accommodation including executive cottage, deluxe cottages, deluxe suites, deluxe rooms as well as regular rooms with a total capacity for 120 beds. Preferred accommodation should be booked in advance to ensure availability. This campus is also famous for a unique ‘Dhanwantari Temple’ (Dhanwantari is the God of medicine and healing) and attracts patients from all over the world.

AVP operates two other campuses close to Coimbatore. The Arya Vaidyan P V Ramavarier Birth Centennial Ayurveda Hospital and Training Academy (popularly known as Mankkarai Campus) is located at the foothills of the Western

Ghats in a serene, unpolluted and picturesque environment.

Saranya Ayurveda Hospital (popularly known as the Navakkarai Campus) is the other facility off the National Highway to Kerala is nestled in a beautiful rustic location. To cater to the growing demands of ever increasing seekers of ayurvedic healing from the world over, AVP is setting up a new facility in Bangalore called ‘Arogyamrutham’ which is scheduled to open later this year (2015) Conceptualized with a ‘superior level of therapeutic care and living comfort’ in a ‘discerning environment’, Arogyamrutham has a mission - to combine ‘finest ayurvedic treatment’ using ‘most authentic remedies’ administered by a ‘highly trained ayurvedic team’ in a ‘positive and healing ambience’ created with the help of ‘specially chosen and trained hospitality professionals eager to provide the highest levels of service. Located in a serene and picturesque campus in Sompura village, off Sarjapur Road, with 8 treatment suites, 40 residential suites, 4 executive suites (with private treatment rooms), yoga, meditation and activity spaces nestled in a beautifully landscaped setting. In addition, AVP through its network of partners provides in-patient facilities inside Kerala as well as other locations in different parts of the world. Patients can avail expert medical attention, genuine treatments and quality products manufactured at the GMP certified AVP factory located at Kanjikode, Kerala. We invite you to visit www.avpayurveda.com for more information and would consider it a privilege and an honour if we could help you with any stubborn medical ailments that you are seeking relief from. For personalized assistance please do call or e-mail us.

Vijay Srishti Fertility Centre Shiv Complex, Opp. V ijay Hospital Old Bangalore Road, Hosur - 635 109 Ph: 04344 320888 vijaysrishtifertilitycenter@gmail.com V ijay Sai Healthcare Pvt.Ltd., with Dr.Rekha Rajesh as its Director rendering meritorious service in the field of

Gynaecology and fertility Management since 2001. The group consists of V ijay Hospital, V ijay Srishti-Fertility Center, V ijay Diabetic center, V ijay Corporate Medical services, V ijay Sai-Pharma services and V ijay Institute of Paramedical sciences. True to its declared motto ‘We add life to years and years to life’, the group has been looking after the various departments under it with extreme care so as to achieve a prominent position among institutes offering similar services. Dr.Rekha Rajesh has many specializations to her credit. After attaining her MBBS from AIMS and DGO, she took her Diploma in Reproductive Medicine and Embryology from Germany. She has Post Graduate Diploma in reproductive Medicine from the United Kingdom and has been certified for Male infertility by the American Academy. The American College of O&G has certified Dr.Rekha Rajesh in the field of High Risk Pregnancy. She has obtained certificates in Diagnostic Ultrasound and Coloposcopy. She has undergone advanced training in Laparoscopy/ Hysteroscopy, IVF and embryo co culture, Advanced Infertility (FOGSI) at CIMAR and Post Graduation in Assisted Reproductive Technologies (ART/ MTRM- UK). With all these to her credit Dr.Rekha Rajesh has become the reliable refuge for Mother and Child care and Assisted reproduction, with the added gift of a motherly touch and dedicated patient care. Dr.Rekha Rajesh has authored several publications and held many responsibilities in State level Medical administration. She has been the key player in bringing many medical facilities to Hosur, Bangalore and Tirupathi. Being a visionary she has many more projects to establish, affordable medical facilities for the public. She has served as the Joint Secretary of the Indian Medical Association, Hosur, Hon. Secretary of Obstetrics and Gynaecological Society of Krishnagiri, member of the Indian Society for Assisted Reproduction, Member of the American Society for Reproductive Medicine and Member-Indian Menopause Society.

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KERALA HOSPITALS find your hospitals | alappuzha Ahalia Foundation Eye Hospital Park Junction, Kayamkulam - 690 502 Ph: 0479 2449715 Email: kyklm@afeh.org Web: www.afeh.org Amravathy Eye Care Opp. Municipal Office Mavelikkara - 690 101 Ph: 0479 2343451 Mob: 96056 46566 Central Travancore Specialist Hospital Chengannur, Alappuzha - 689 121 Ph: 0479 2453125 Century Hospital Mulakuzha, Chengannur Alappuzha - 689 505 Ph: 0479 2469469, 2468710 Web: www.centuryhospital.org Deepa Hospital Haripad, Alappuzha - 690 514 Ph: 0479 2413054 Ebenzeer Hospital Kayamkulam Alappuzha, Ph: 0479 2442102 Huda Trust Hospital Kumarapuram P.O, Haripad - 690 514 Ph: 0479 2412005 Josco Multi-Speciality Hospital Edappon, Josco Jn Pandalam - 689 501 Ph: 0479 2374982 146 medical tourism

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Kinder Women’s Hospital & Fertility Centre Maruthorvattom Temple Road, Near N.H 47, Cherthala - 688 539 Phone: +91 478 2830000 Email: contactus@kinderhospital.in Web: www.kinderhospital.in Krishnendu Ayurveda Hospital Chingoli P.O, Karthikappally, Alappuzha Ph: +91 479 2486337, 2485588, 2485577 Email: krishnenduhospital@gmail.com Web: www.krishnendu.org Lourdes Matha Hospital Edathua, Alappuzha - 689 573 Ph: 0477 2212305 Madhava Medical Mission Haripad, Alappuzha - 690 514 Ph: 0479 2412282 Mammen Memorial Hospital Chengannur, Alappuzha Ph: 0479 2452823 Monash IVF KVM Kinder Hospital P.B. No. 30, Cherthala - 688 524 Ph: 0478 2821555 Email: monashivf@kvmkinder.com Web: www.kvmkinder.com PM Hospilal Mavelikkara, Alappuzha Ph: 0479 2304322 Pushpagiri Medical Society Pushpagiri Buildings Tiruvalla - 689 101, Ph: 0469 2700755 Fax: 0469 2701045 Web: www.pushpagiri.in

S.H.G. Hospital Green Gardens Cherthala, Alappuzha Ph: 0478 2811337 Sree Narayana Medical Mission Hospital Cherthala, Alappuzha Ph: 0478 2822506 Sreevenkateswara Hospital Cherthala Ph: 0478 2812451 St. Thomas Hospital Chengannur, Alappuzha - 689 121 Ph: 0479 2452860 Vrindavan Ayurveda Hospital Mavelikkara, Alappuzha Ph: 0477 2302607 find your hospitals | ernakulam Ahalia Foundation Eye Hospital Puthiya Road Junction NH Bypass, Palarivattam Kochi - 682 025, Ph: 0484 2346555 Email: ekm@afeh.org Web: www.afeh.org Al-Shifa Super Speciality Hospital for Piles NH- 17, Near Railway Over Bridge Edappally, Kochi - 682 024, Ph: 0484 2363777 Email: info@alshifahealthcare.com Web: www.alshifahealthcare.com Amrita Institute of Medical Sciences and Research Centre P.O. Ponekkara Kochi - 682 041 Ph: 0484 2801234, 6681234 Fax: 0484 2802020 Email: marketing@aims.amrita.edu Web: www.aimshospital.org

Arogiylam Hospital Bye-Pass Junction Bridge Road, Aluva-683 101 Ph: 0484 2625252, 2625226 Aster DM Healthcare Pvt. Ltd. Kuttisahib Road, Near Kothad Bridge P.O. South Chittoor, Cheranelloor Kochi - 682 027, Kerala, India Ph: +91 484 6699999 Email: marketing.astermedcity@dmhealthcare.com Web: www.astermedcity.com Bourn Hall Clinic 27/ 3218 A, M. G Road Opp. Kochi Shipyard Atlantis, Kochi - 15 Ph: 0484 3983302 Email: info@bournhall-clinic.com Web: www.bournhall-clinic.com Chaithanya Eye Hospital Ravipuram, Kochi - 682 016 Ph: 0484 2357135 Fax: +91 484 2357098 Email: chaithanyaeye@gmail.com Web: www.chaithanya.org CIMAR Cochin Thykkavu Stop, NH 17, Cheranallore Edappally, Cochin - 682 034 Kerala, India Ph: 0484 4134444 Fax: 0484 4134455 Email: cimarcochin@gmail.com Web: www.cimarindia.org City Hospital M.G.Road, Padma Junction Kochi - 682 035, Ph: 0484 2361809

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Devamatha Hospital Koothattukulam, Ernakulam - 686 662 Ph: 0485 2252271, 2251341, 2253371, Fax: 0485 2252571 Email: admin@devamatha.org, dmh@devamatha.org Web: www.devamatha.org

Kurias Earth Ayurveda Hospital Thykoodam, Vyttila, Kochi - 682 019 Ph: 0484 3194481, 3194482 Email:kochi@earthhospital.in Web: www.earthhospital.in

Dr.Promodu’s Institute of Sexual and Marital Health Pathadipalam, Edapally, Kochi - 682 024 Ph: 0484 2555301, 2555302

Kusumagiri Mental Health Centre Kusumagiri, Kakkanad - 682 030 Ph: 0484 2422215, 2422160 Email: kusumagirihospital@bsnl.in Web: www.kusumagiri.org

Ernakulam Medical Centre NH Bypass, P.O. Vennala Palarivattom, Kochi - 682 028 Ph: 0484 2807101-109, Fax: 0484 2805011 Email: mail@emccochin.com Web: www.emccochin.com Goutham Hospital Panayappally, Kochi - 682 005 Ph: 0484 2210510 JNM Lakshmi Hospital Eloor, Udhyogmandal - 683 501 Ph: 0484 2547201, 2547202 Email: lhjnm@lakshmihospital.com Web: www.lakshmihospital.com Karothukuzhi Hospital Pvt Ltd Market Road, Aluva Ph: 0484 2625228, 2621001 KIMS Hospital & Surgical Center Pathadipalam, P.O. Changampuzha Nagar Edappally, Kochi - 682 033 Ph: 0484 3041000, 2543420 Fax: 0484 3961222, Email: info@kimskochi.com Web: www.kimskochi.com Krishna Nursing Home Chittor Road, Kochi - 682 011 Ph: 0484 2368230 Email: krishna@krishnahospital.org 148 medical tourism

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Lakeshore Hospital & Research Centre Ltd. Maradu, P.O. Nettoor, Kochi - 682 040 Ph: 0484 2703951, Fax: 0484 2701996 Email: info@lakeshorehospital.com Web: www.lakeshorehospital.com Lakshmi Hospital Diwan’s Road, Kochi - 682 016 Ph: 0484 2382111, Fax: 0484 2374067 Email: lhcochin@lakshmihospital.com www.lakshmihospital.com Lisie Hospital Ernakulam North, Kochi - 682 018 Ph: 0484 2400812 - 14 Email: contact@lisiehospital.org Web: www.lisiehospital.org Little Flower Hospital & Research Centre P B No. 23, Angamaly Ph: 0484 2452546-48, Fax: 0484 2452646 Email: admin@lfhospital.org Web: www.lfhospital.org Lotus Eye Care Hospital S.A. Road, Kadavanthra, Kochi - 20 Ph: 0484 2322333, Fax: 0484 4070670 Email: info@lotuseye.org Web: www.lotuseye.org

Lourdes Hospital Vaduthla, Kochi - 682 012 Ph: 0484 4123456, 4125555 Fax: 0484 2393720 Email: lourdeshospital@vsnl.com Web: www.lourdeshospital.in Luke Memorial Hospital Perumbavoor, Kochi - 683 542 Ph: 0484 2522123, 2523507, 2525232 Macare International Dental Hospital 36/2322 A & B, Chammany Chambers Kaloor-Kadavanthra Road Kochi - 682 017 Ph: 0484 3195616 Email: macarekaloor@gmail.com Web: www.manappuramhealthcareltd.com Medical Trust Hospital M.G. Road Kochi - 682 016 Kerala, India Ph: 0484 2358001 - 11 Fax: 0484 2358031 Email: info@medicaltrusthospital.org Web: www.medicaltrusthospital.com Najath Super Speciality Hospital Bank Junction, Aluva - 683101 Ph: 0484 2623693, 2631157 Nechupadam Dental Clinic No.29, IIIrd Floor GCDA Commercial Complex Marine Drive, Kochi - 31 Ph: 0484 2350502 Mob: 09387277213 Email: thomasnechupadam@gmail.com Web: www.nechupadam.com

PNVM Hospital & Research Centre Banerji Road, Kochi - 682 018 Ph: 0484 2390097 Email: pramod@md2.vsnl.net.in Web: www.pnvmhospital.in Polakulath Narayanan Renai Medicity PB No.2310, Palarivattom, Kochi - 25 Ph: 0484 2344463, 3919000 Fax: 0484 2331561 Email: sales@pghr.in Web: www.pghr.in Punarnava Ayurveda Hospital P.O. Edappally North, Kochi - 682024 Ph: 0484 2801415, 2801416, Fax: 0484 2801424 Email: punarnava@punarnava.net Web: www.punarnava.net PVS Memorial Hospital Ltd. Kaloor, Cochin - 682017 Ph: 0484 2345451, 2345471.

E-mail: info@pvsmemorialhospital.com Web: www.pvsmemorialhospital.com Rajagiri Hospital Chunagamvely, Aluva - 683 112 Ph: 0484 66 55 000 Email: mail@rajagirihospital.com Web: www.rajagirihospital.com Samad IVF Telemedicine Centre Kathrukadavu Jn, Kochi - 682 017 Ph: 09349440111 Email: samadhospital@gmail.com Web: www.samadhospital.com Specialist’s Hospital Opp. North Railway Station, Kochi - 18 Ph: 0484 2395952, 066, Fax: 0484 2392945 Email: specialistshosp@gmail.com Web: www.specialistshospital.com

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Sree Narayana Institute of Medical Sciences (SNIMS) North Kuthiyathodu P.O, Chalakka, Ernakulam - 683 594 Ph: 0484 2573023, 2573024, 2573060-66 Fax +91 484 2478093, Email: snims1@gmail.com Web: www.snims.org Sree Sudheendra Medical Mission Hospital Chittoor Road, Kochi - 682 018 Ph: 0484 2354139, 2382390, 2382457 Email: sreesudheendra@yahoo.co.in Web: www.sreesudheendra.gsb.in Sunrise Hospital Kakkanad, Kochi - 682 030 Ph: 0484 2428913 - 16, Fax: 0484 2428917 Email: enquiry@sunrisehospital.in Web: www.sunrisehospital.in Vasan Eye Care Hospital 27/3215, M.G. Road, Opp. Cochin Shipyard Kochi - 682 015, Ph: 0484 4089000 Fax: 0484 2357777, Web: www.vasaneye.in Vasan Eye Care Hospital A-1, Opp. India V ision Palarivattom, NH Bypass Road Kochi - 682 024, Ph: 0484 4189000 Fax: 0484 4189010, Web: www.vasaneye.in VG Saraf Memorial Hospital Ravipuram, Kochi - 682 016 Ph: 0484 2380452, 2362882 Fax: 0484 2370595 Email: vgsarafhospital@gmail.com Web: www.vgsarafhospital.com Vijaya Institute of Medical Sciences Kadavanthra - Kaloor Road Kadavanthra, Kochi - 682 020 Ph: 0484 2205261, 2205290, Fax: 0484 2206072 Email:ivfviji@md3.vsnl.net.in Web: www.vijaya-ivf.com 150 medical tourism

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find your hospitals | idukki Archana Hospital Vannappuram, Idukki Ph: 0486 2222824 Arpana Hospital Thookupalam, Idukki Ph: 0486 8236340 Bishop Vayalil Medical Centre Moolamattom Moolamattom, Idukki - 685 589 Ph: 04862 252304, 252305, 252306 Fax: 04862 252304 Email: bvmcmoolamattom@gmail.com Central Hospital Kumily, Idukki, Ph: 0486 9322045 Chazhikkatu Hospital Thodupuzha, Idukki, Ph: 0486 2222445 Devamatha Hospital Rajakumary, Idukki Ph: 0486 8243225 District Hospital Cheruthoni, Idukki, Ph: 04862 232444 Excelsior Hospital Thodupuzha, Idukki Ph: 0486 2300500 Holy Family Hospital Muthalakkodam, Idukki Ph: 0486 2222234 Karuna Hospital Thodupuzha, Idukki Ph: 0486 2226120 Medical Trust Hospital Nedumkandam, Idukki Ph: 0486 8232056 Email: avmrglm@mdz.vsnl.net.in

Morning Star Medical Centre Nazareth Hill, Adimali Idukki - 685 561, Ph: 0486 4222114 Periyar Hospital Kumily, Idukki Ph: 0486 9222088 Sahayagiri Hospital Kovilkadavu, Marayoor, Idukki Ph: 0486 5252245 St. John’s Hospital Kattappana, Idukki Ph: 0486 8274158, 8272230 St. Mary’s Hospital Thodupuzha, Ph: 0486 222525 Taluk Hospital Thodupuzha, Idukki, Ph: 0486 2222630 find your hospitals | kannur AKG Memorial Cooperative Hospital Thalap, Kannur Ph: 0497 2762500 Email: akghospital2005@rediffmail.com Web: www.akghospital.org ARMC IVF Fertility centre 2nd floor, Grand Plaza building Prabhath junction Fort Road, Kannur Ph: 0497 2766018-19 Helpline: +91 9526141400 Email: info@armcivf.net Web: www.armcivf.net Ashirvad Hospital South Bazzar, Kannur Ph: 0497 2704688

Ashoka Hospital S.Bazar, Kannur - 670 002 Ph: 0497 2704580,Fax: 0497 2768070 Email: ashokahospital@dataone.in Web: www.ashokahospital.in Christhuraj Hospital Kannur, Ph: 0490 2365636 Web: www.christurajhospital.com Dhanalakshmi Hospitals Pvt. Ltd. Tana, Kannur - 670 002 Ph: +91 497 2714200, 2701524-26 Fax: +91 497 27065272 Email: mail@dhanalakshmihospitals.com Web: www.dhanalakshmihospitals.com Koyili Hospital Talap, P.O. Pallikkunnu Kannur - 670 004, Ph: 0497 2704371 Email:info@koyilihospital.com Web: www.koyilihospital.com Lourde Hospital Kannur, Kannur Ph: 0460 2204937 M.K Ummerkoya Memorial Hospital Prasyanikadavu, Kannur Ph: 0497 2781745 Mukunda Hospital Payyanur, Kannur - 670 307 Ph: 0498 5205119, 5202939 Email: info@mukundahospital.com www.mukundahospital.com Pariyaram Medical College Pariyaram, Kannur - 670502 Ph: 0497 2808080, Fax: 0497 2808125 www.payyanur.com

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Santosh Hospital Thalassery Kannur - 670 101 Ph: 0490 2342702 Speciality Hospital Kannur, Ph: 0497 2712770 Tellicherry Co-operative Hospital Co-operative Hospital Junction Thalassery, Kannur Ph: 0490 2341604 Fax: 0490 2344301 Email: tchtly@dataone.in Web: www.cooperativehospital.in Vasan Eye Care Hospital Nethra Builbing, Near SBI Bank Fort Road, Kannur - 01 Ph: 0497 2702650, Fax: 0497 276167 Web: www.vasaneye.in find your hospitals | kasaragod Ahalia Foundation Eye Hospital Opp District Hospital P.O. Bella, Kanhangad Ph: 0467 2200844 Email: kanhangad@afeh.org Web: www.afeh.org Carewell Hospital Kasaragod Ph: 04994 230180 Dream Flower IVF Centre Centre @ Janardan Hospital Bank Road, Kasaragod - 671 121 Ph: 04994 230243, 94470 00616 Email: jayalakshmisuraj@yahoo.com Web: www.ivfkeraladf.com

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Fathima Hospital Kasaragod, Ph: 04994 230524 Janardan Hospital Bank Road, Kasaragod - 671 121 Ph: 04994 230243, 226555 Kamath Medical Centre Kasaragod, Ph: 04994 230004 Kasaragod Institute of Medical Sciences Ashwini Nagar, Kasaragod - 671 121 Ph: 04994 219402, 219401 Web: www.kimskasaragod.com Mansoor Hospital Kanhangad, Kasaragod, Ph: 0467 2202070 P.N Panicker Souhruda Ayurveda Medical College P.O. Parakalai, Anandasram (V ia) Kanhangad Kasaragod - 671 531 Ph: 0467 2244700, 2244701 find your hospitals | kollam ARMC IVF Fertility centre Unitide Building OPP Janayugam Daily Kadappakkada Junction Kollam - 691 008 Ph: 0474 2743500-01 Email: info@armcivf.net Web: www.armcivf.net Assisi Hospital Kollam, Ph: 0474 3069200 Azeezia Medical College Hospital P.O. Meeyannoor, Kollam - 691 537 Kerala, India, Ph: 0474 3069200 Fax: 0474 3069397 Email: medicalcollege@azeezia.com Web: www.azeezia.com

Bishop Benziger Hospital Beach Road, Kollam - 691 001 Ph: 0474 2768201, Fax: 0474 2741762 Web: www.bishopbenzigerhospital.com C.S.I. Hospital Kalayapuram, Puttoor Mukku Kottarakkara, Kollam, Ph: 0474 2741501 Christuraj Hospital Kottarakkara, Kollam Ph: 0474 2452512 Dr. Babu’s Chest & Skin Allergy Speciality Centre Near High School Jn, Thevally P.O. Kollam - 691 009, Kerala Ph: 0474 2798363, 0473 4220372, 87475 98363 Email: allergycentrekollam@gmail.com Web: www.chestandskin.com Dr. Nair’s Hospital Asramam, Kollam - 691 002 Ph: +91 474 2766180 - 185 Email: mail@drnairshospital.com Web: www.drnairshospital.com Holy Cross Super Speciality Hospital Kottiyam, Kollam - 691 571 Ph: 0474 2530121, 2530122, Fax: 0474 2530531 Email: inquiry@holycrosskottiyam.org Web: www.holycrosskottiyam.org Matha Medical Centre P.O. Mathilil, Near Ashtamudi Lake, Kollam - 691 601 Ph: 0474 2703003, 2704003, 97463 00111 Fax: 0474 2704396 Email: mathamedicalcentre@gmail.com Web: www.mathamedicalcentre.com Mohans Hospital Edayadi, Poothakulam S.Paravur - 691302, Ph: 0474-2513679

Padmavathy Medical Foundation Manakkara, Sasthamkotta Kollam - 690 521, Ph: 0476 2831408 Email: padmavathyhospital@yahoo.com Web: www.padmavathyhospital.com Samad IVF Hospital Kaval, Thangassery Kollam - 691 007, Ph: 0474 2798706 Email: samadhospital@gmail.com Web: www.samadhospital.com Sanker’s Hospital Q.S.Road , Kollam, Ph: 0474 2743847 Travancore Medical College Medicity, Near NH Bypass, Mylapore P.O. Umayanalloor, Kollam - 691 589 Ph: 0474 2729393, 2726161, Fax: 0474 2724411 Email: qlnmedicity@yahoo.com Web: www.travancoremedicalcollege.com Upasana Hospital & Research Centre Q.S. Road, Kollam - 691 001, Ph: 0474 2762887 Web: www.upasanahospital.com find your hospitals | kottayam Abraham’s Infertility Treatment Centre Athakkatt Chamers, Changanacherry Ph: 0481 2410356, 2421049 Web: www.airgc.com Bharath Hospital Azad Lane, Kottayam - 686 001 Ph: + 91 481 2582947, 2581974 Web: www.bharathhospital.com Caritas Hospital P.O. Thellakom, Kottayam - 686 016 Ph: 0481 2790025-29, Fax: 0481 2790164 Web: www.caritashospital.org

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CNK Multi Speciality Hospital IE Nager, Madukkummoodu Changanacherry - 686 106, Ph: 0481 2722888 Indo-American Hospital ‘Brain & Spine Centre’ Chemmanakary Vaikom - 686 143, Kerala, India Ph: 04829 273281,273282,273283 9446083281, 9747553281 Email: indoamericanhospital@rediffmail.com Web: www.indoamericanhospital.in Mary Queens Mission Hospital Palampra, Kanjirapally, Kottaym - 686 518 Ph: 04828 201301, 204065, Fax: 04828 205504 E-mail:maryqueenkply@hotmail.com Web: www.maryqueenshospital.org Matha Hospital Thellakom, Kottayam - 686 016 Ph: 0481 2790921, 2790930 S.J. Eye Hospital & Research Institute Karukachal, Kottayam - 686 540 Ph: 0481 2487164 Email: us@info@sjeyehospital.org Web: www.sjeyehospital.com find your hospitals | kozhikode Ahalia Foundation Eye Hospital West Nadakkavu, Calicut, Ph: 0495 2762800 Email: calicut@afeh.org Web: www.afeh.org ARMC IVF Fertility centre BMT Centre, Puthiyara Kozhikode, Kerala, India Tel +91 495 2724101,102, 3103555 Help Line: 1800 3000 3100 Email: info@armcivf.net Web: www.armcivf.net 154 medical tourism

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Baby Memorial Hospital Limited Indira Gandhi Road Kozhikode - 673 004 Kerala, India, Ph: 0495 2777777 2723272, Fax: 0495 2723484 Email: info@babymhospital.org Web: www.babymhospital.org Calicut Medical College Medical College P.O, Kozhikode - 673 008 Ph: 0495 2356531,Fax: 0495 2355331 Email: principal@calicutmedicalcollege.ac.in Web: calicutmedicalcollege.ac.in Chest Hospital Kozhikode, Ph: 0495 2359645, 2721644 Fathima Hospital Bank Road, Kozhikode - 673 001 Ph: 0495 2766630, 2766340, Fax: 0495 2766610 Email: mail@fathimahospital.com Web: www.fathimahospital.com IQRAA International Hospital and Research Centre Malaparamba, Calicut - 673 009 Tel: 0495 2379100 (30 Lines), Fax: 0495 2373825 E mail: mail@iqraahospital.in Web: www.iqraahospital.in KMCT Medical College Hospital West Mampetta, P.O. Manassery Mukkam, Calicut - 673 602 Ph: 0495 2293500, Fax: 0495 2294753 Email: kmctcch@gmail.com Web: www.kmctmedicalcollege.org Malabar Hospitals Eranhipalam, Calicut-20, Kerala, India Ph: 0495 2376822, 2376823, Fax: 0495 2375347 Email:info@malabarhospitals.com www.malabarhospitals.com

Malabar Institute of Medical Sciences Ltd. Mini By-pass Road, P.O. Govindapuram Calicut - 673 016, Kerala, India Ph: 0495 3911400 Fax: 0495 2741329 Email: mimsclt@mimsindia.com Web: www.mimsindia.com National Hospital Indira Gandhi Road, Calicut - 673 001 Ph: 0495 2723061-66, Fax: 0495 2720466 Email: contactnationalhospital@gmail.com Web: www.nationalhospitals.com Poonoor Hospital & Research Centre Madheethunoor, Poonoor, P.O.Unnikulam, Kozikode Ph: 0496 - 2648231, 2648232 PVS Hospital Pvt. Ltd. Railway Station Road, Kozhikode - 673 002 Ph: 0495 2302541, 2301212, Fax: 0495 2702044 Email: info@pvshospital.com Web: www.pvshospital.com find your hospitals | malappuram Ahalia Foundation Eye Hospital Changuvetty, Kottakkal, Malappuram Ph: 0483 2751228, Email: ktkal@afeh.org Web: www.afeh.org Al-Shifa Hospital Pvt. Ltd. Ootty Road, Perinthalmanna - 679 322 Ph: 04933 227616 Fax: 04933 229818 Email: alshifagrp@sancharnet.in Web: www.alshifahospital.com Arya Vaidyasala Kottakal, Malappuram, Ph: 0483 2742216 Chaliyar Hospitals Pvt. Ltd. Nilambur, Malappuram, Ph: 04931 220178

Edappal Hospitals Pvt. Ltd. P.O. Edappal, Malappuram - 679 576 Ph: 0494 2680755, 2680788 Fax: 0494 2680755 Email: cimaredappal@gmail.com Web: www.cimarindia.org K.P.M. Hospital Malappuram Ph: 0483 2734969 Korambayil Hospital & Diagnostic Centre Pvt. Ltd. Manjeri, Malappuram - 676 122 Ph: 0483 2764555, 3003000 Fax: 0483 2762555 E-mail: info@korambayilhospital.com Web: www.korambayilhospital.com Malabar Ayurvedic Hospitaland Research Centre (MAHAR) Salafi Gramam, Pulikkal Malappuram - 673 637 Ph: 0483 2790521, 2793754 Fax: 0483 2793760 Email: maharayurvedic@gmail.com Web: www.maharayurvedic.com Malabar Institute of Medical Sciences Ltd. P.O. Kottakkal Malappuram - 676 503 Ph: 0483 2807000 Fax: 0483 2807888 Email: mimskottakkal@mimsk.com Web: www.mimskottakkal.com Moulana Hospital PB No. 31, Ootty Road Perinthalmanna - 679 322 Ph: 04933 300600 Fax: 04933 228011 Email: mail@moulanahospital.com Web: www.moulanahospital.com

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Prasanthi Hi-Tech Hospital Court Road, Manjeri- 676 121 Malappuram, Kerala Ph: 0483 2769500 (12 Lines) Fax: 0483 2769513 Email: prasanthihospital@yahoo.com Web: www.prasanthihospital.com find your hospitals | palakkad Ahalia Ayurvedic Hospital Elippara, P.O. Kozhippara Palakkad - 678 557 Ph: 04923 235888 Fax: 04923 235900 Email: mail@ahaliaayurvedic.org Web: www.ahaliaayurvedic.org Ahalia Foundation Eye Hospital PB No. 120, Kanal Piruvu Palakkad, Ph: 04923 225000, Fax: 04923 235888 Email: mail@afeh.org, Web: www.afeh.org ARMC IVF Fertility centre 3rd Floor Surya corner English church road, Palakkad Ph: 0491 2523405-06 Help line: +91 9544575700 Email: info@armcivf.net Web: www.armcivf.net Balaji Hospital Palakkad, Ph: 0491 2522879 Crescent Medical Centre P.O. Alathur Palakkad - 678 541 Ph: 04922 224411 Email: contactus@crescenthospital.com Web: www.crescenthospital.com

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Paalana Institute of Medical Sciences P.O. Kannadi, Palakkad - 678 701 Ph: 0491 2520901 Email: paalana@rediffmail.com Web: www.paalana.com P.K. Das Institute of Medical Science P.O. Vaniyamkulam, Ottapalam Palakkad - 682 522 Ph: 0466 2344500 Email: info@pkdashospital.com Web: www.pkdashospital.com Thangam Hospital of PMRC Chadanamkurussi, West Yakkara Palakkad, Kerala - 678 004, India Ph: +91 491 2515717 (8 Lines) Ambulance: +91-944 777 5717 Web: www.thangampmrc.com Valluvanad Hospital Complex Ltd Kanniyampuram P.O Ottapalam, Palakkad – 679 104 Tel: 0466 2244423, 2246252 Web: www.valluvanadhospital.com find your hospitals | pathanamthitta Ahalia Foundation Eye Hospital College Road, Pathanamthitta - 689 645 Ph: 0468 2224240, Email: pta@afeh.org Web: www.afeh.org Holy Cross Hospital Adoor, Pathanamthitta, Ph: 04734 228246 Lifeline Hospital 14th Mile, P.O. Melood, Adoor - 691 523 Ph: 04734 223377, 228373 Email: info@lifelinehospitalkerala.com Web: www.lifelinehospitalkerala.com

Mary Queens Hopital Allergy, Skin & Cosmetology Centre Kurishukavala, Thiruvalla-689 101 Tel: +91 469 2730594, 2738175, 99473 95151 Email: maryqueenstvla@gmail.com Web: www.maryqueenshospital.com MGM Muthoot Medical Centre College Road, Kozhencherry Pathanamthitta - 689 641 Ph: 0468 2314000, 2312491, Fax: 0468 2214427 Email: mail@muthoothealthcare.com Web: www.muthoothealthcare.com MGM Muthoot Medical Centre Ring Road, Pathanamthitta - 689 653 Ph: 0468 2324000, Fax: 0468 2225533 Email: mail@muthoothealthcare.com Web: www.muthoothealthcare.com NSS Medical Mission Hospital Pathalam, Pathanamthitta Ph: 0473 4252237, 2522302 Poyanil Hospitals Kozhencherry, Pathanamthitta - 689 641 Ph: 0468 2310600, Fax: 0468 2214360 Email: poyanilhospitals@gmail.com Pushpagiri Medical College Hospital Thiruvalla - 689 101, Ph: 0469 2700755 Fax: 0469 2701045, Web: www.pushpagiri.in Sudarshanam Netra Chikitsalayam Manjadi, Thiruvalla, Pathanamthitta - 689 105 Ph: 0469 2630718, 3290630 Email: info@netrafoundation.com Web: www.netrafoundation.com Thiruvalla Medical Mission Hospital Thiruvalla, Pathanamthitta Ph: 0469 2630145, 2630146

find your hospitals | thrissur Ahalia Foundation Eye Hospital Kuruppam Road, Thrissur Ph: 0487 2428740, Email: afehtcr@afeh.org Web: www.afeh.org Amala Cancer Hospital & Research Centre P.O. Amalanagar, Thrissur - 680 553 Ph: 0487 2304000, Email: amalacan@md3.vsnl.net.in Web: www.amala.com Ansar Hospital Perumpilavu, P.O. Karikakd, Thrissur Ph: 04885 281320, 281638 Email: info@ansar.in, Web: www.ansar.in ARMC IVF Fertility centre Falkaland Tower, Ayyanthole Ground Thrissur, Kerala ,India , Ph: 0487 3105100 Help Line: +91 9846255155, Email: info@armcivf.net Web: www.armcivf.net Aswini Hospital Pvt. Ltd. Karuanakaran Nambiar Thrissur - 680 020, Ph: 0487 2335752 CRAFT Hospital & Research Centre Chanthappura, Kodungalloor-680 664 Ph: 0480 2808808, Email: drashraf@craftivf.com Web: www.craftivf.com Elite Mission Hospital P.O. Koorkenchery, Thrissur - 680 007 Kerala, India, Ph: 0487 2436100, Fax: 0487 2436167 Email: info@elitemissionhospital.com Web: www.elitemissionhospital.com Irinjalakuda Co-operative Hospital Ltd. Kolothumpady, P.O. Nadavarmbu, Thrissur - 61 Ph: 0480 2822779, Fax: 0480 2831300 Email: care@cooperativehospital.com Web: www.cooperativehospital.com

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Jubilee Mission Medical College & Research Institute PB No. 737, Thrissur - 680 005 Ph: 487 2432200, 2421650, Fax: 0487 2421864 Email: jmmcri@yahoo.co.in Web: www.jubileemissionmedicalcollege.org KARE Centre Seetharam Mill Road, Poonkunnam Thrissur - 02, Ph: 0487 2389466, 2389866 Web: www.karecentre.in Lal Memorial Hospital Mapranam, Irinjalakuda Ph: 0480 2826799, 2826570 Metropolitan Hospital (Trichur Metropolitan Health Care Pvt.Ltd) Koorkanchery P.O, Trichur -680 007, Kerala Ph: 0487 2425123, 2425142 Fax: 0487 2429661 Email: metropolitanh@gmail.com Modern Hospital Ltd Kodungallur, Irinjalakuda, Ph: 0480 2802922 Mother Hospital P.O. Pullazhi, Olari, Thrissur - 680 012 Ph: 0487 2434100, Fax: 0487 2361097 Email: motherhospitalthrissur@gmail.com Web: www.motherhospitalthrissur.org Okay Mission Hospital Ltd. Kodungallur, Irinjalakuda, Ph: 0480 2802644 Rajah Hospital Muthuvattoor, Chavakkad, Thrissur - 680 506 Ph: 0487 2502429, 2502430, 2502884, 2556996 E-mail: todnb@rajahhospital.com Web: www.rajahhospital.com St. Joseph’s Hospitals Velupadam, Varandarapilly, Irinjalakuda Ph: 04885 236589 158 medical tourism

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Sun Medical and Research Centre A Unit of Trichur Heart Hospital Ltd ST Nagar, Thrissur - 01 Ph: 0487 2433101, Fax: 0487 2442025 Email: hearthospital@trichurheart.com Web: www.trichurheart.com Trichur Institute of Head and Neck Surgery Shornur Road Thrissur - 680 001 Ph: 0487 2335145, 2335185 Email: saroja@md4.vsnl.net.in Vasan Eye Care Hospital T.B. Road, Opp. IMA Office Near Sakthan Stand Thrissur - 01 Ph: 0487 2442451 Fax: 0487 2442453 Web: www.vasaneye.in Westfort Hi-Tech Hospital Ltd. Guruayoor Road, Poonkunnam Thrissur - 02 Ph: 0487 2388999, Fax: 0487 2381051 EMail: hitechhospital@gmail.com Web: www.westforthospitalgroup.com Westfort Hospital Westfort, Thrissur - 680 004 Ph: 0487 2382130, Fax: 0487 2380039 Email: wfh.trichur@gmail.com Web: www.westforthospitalgroup.com find your hospitals | thiruvananthapuram Ahalia Foundation Eye Hospital Near Uloor Bridge, Medical College Post Trivandrum - 695 011, Ph: 0471 2449970 Email: tvm@afeh.org Web: www.afeh.org

AMAR Hospital P.O. Attingal, Trivandrum - 695 101 Kerala, India, Ph: 0470 2627676, 2627666 Web: www.amarfertility.com Email: amarhospital@yahoo.in Anadiyil Hospital Thekkumoodu, Vanchiyoor P.O Trivandrum-35, Ph: 0471 2304086 Ananthapuri Hospitals and Research Institute Chacka, NH Bypass Thiruvananthapuram - 695 024 Ph: 0471 2579900, 2506868, Fax: 0471 2506969 Email: ananthapurihri@vsnl.net Web: www.ananthapurihospitals.com BNV Hospital Pvt Ltd Thiruvallam, Thiruvananthapuram - 695 027 Ph: 0471 2381508, 2380736, 2380737 Chaithanya Eye Hospital Kesavadasapuram Thiruvananthapuram - 695 004 Ph: 0471 2447183, Fax: 0471 2443985 Email: chaithanyaeye@gmail.com Web: www.chaithanya.org

GG Hospital Medical Collage P.O Thiruvananthapuram - 695 011 Ph: 0471 2557744, 2445832 Jubilee Memorial Hospital Palayam, Thiruvananthapuram - 695 034 Ph: 0471 2334561, 6452020 Kerala Institute of Medical Sciences PB No.1, P.O. Anayara Trivandrum - 695 029 Ph: 0471 3041000, 2447575 Fax: 0471 2446535 Email: marketing@kimskerala.com Web: www.kimskerala.com KJK Hospital Fertility Research and Gynaec Centre Nalanchira, Trivandrum Kerala, India Ph: 0471 2544080, 2544706 Fax: 0471 2543926 Email: kjkhospital@gmail.com Web: www.kjkhospital.com

Cosmopolitan Hospitals Pvt. Ltd. Murinjapalam, Pattom Thiruvananthapuram - 695 004 Ph: 0471 2521252, Fax: 0471 2449188 Email: cosmopolitan@cosmopolitanhospitals.in Web: www.cosmopolitanhospitals.in

Lords Hospital Chackai, P.O. Anayara Trivandrum - 695 029 Kerala, India Ph: 0471 3045 111, 2741111 Fax: 0471 2742424 Email: lords@lordshospital.org Web: www.lordshospital.org

Credence Hospital Near Ulloor Bridge, Thiruvananthapuram - 11 Ph: 0471 2554343, 4033333 Fax: 0471 2554344, 403 3334 Email: info@credencehospital.com Web: www.credencehospital.com

Meditrina Hospitals TC 2 / 2367-1, Pattom Thiruvananthapuram - 695 004 Ph: 0471 3063000, 2550003 Email: tvm@meditrinahospitals.com Web: www.meditrinahospitals.com

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NIMS Medicity Aralumloodu Neyyattinkara Thiruvananthapuram - 695 123 Ph: 0471 2223544, 2223542 Fax: 0471 2225154 Email: info@nimshospital.com Web: www.nimshospital.com Pankaj kasturi Herbals India Pvt. Ltd Level-4, Aikkara Arbour P.O. Thycaud, Thiruvananthapuram-14 Ph: 0471 2337348, 2320487 Web: www.pankajakasthuri.in

Santhigiri Ayurveda Hospital Santhigiri P O Pothencode Thiruvananthapuram Ph: 0471 6454571, 6615300 Web: www.santhigiriashram.com Santhwana ENT Hospital N. C. C. Road, Ambalam Mukku Thiruvananthapuram Ph: 0471 2433030, 2432121, 2435490 Email:saliment@sancharnet.in

PRS Hospital Killipalam, Thiruvananthapuram - 02 Ph: 0471 2344442, 2344443 Fax: 0471 2345358 Email: admin@prshospital.com Web: www.prshospital.com

SK Hospital Edappazhinji, Pangode Thiruvananthapuram - 695 006 Ph: +91 471 30222222, 3250038 Fax: +91 471 2356261 24 hours Tele. booking No. 2356260 Email: skhospitals@yahoo.co.in Web: www.skhospitals.com

Regional Cancer Center Medical College Campus Thiruvananthapuram - 11 Ph: 0471 2442541, Fax: 0471 2447454 Email: webmaster@rcctvm.org Web: www.rcctvm.org

SP Fort Hospital Fort, Thiruvananthapuram - 695 023 Ph: 0471 2450540, 2466664 Fax: 0471 2465746 Email: info@spfort.com Web: www.spfort.com

Samad IVF Hospital V.V.Road, Pattoor, Thiruvananthapuram - 35 Ph: 0471 2451926, 2474203 Fax: 0471 2574045 Email: info@samadhospital.com Web: www.samadhospital.com

SR Super Speciality Hospital Akathumuri, P.O. Vennecodu Varkala - 695318

Samad IVF Hospital Near KSRTC Bus Stand Attingal - 695 101, Ph: 0470 2624611 Email: samadhospital@gmail.com Web: www.samadhospital.com 160 medical tourism

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Sree Chitra Tirunal Institute for Medical Sciences & Technology P.O. Medical College Thiruvananthapuram - 695 011 Ph: 0471 2443152 Fax: 0471 2446433 Email: mrd@sctimst.ac.in Web: www.sctimst.ac.in

Sri Ramakrishna Ashrama Charitable Hospital Sasthamangalam Thiruvananthapuram - 695 010 Ph: 0471 2722125, 2722453, 2726603 Fax: 0471 2313502 Email: srkachtvm@gmail.com Web: www.sriramakrishnaashrama.org S.U.T. Hospital, Pattom P.O.Pattom Palace Thiruvananthapuram - 695 004 Ph: 0471 4077777, 4077888 Fax: 0471 2444304 Email: info@sutpattom.com Web: www.sutpattom.com SUT Royal Hospital Kochulloor, Trivandrum Ph: 0471 4177777, Fax: 0471 4177741 Email: sutgrouphospitals@gmail.com Web: www.suthospital.com The India Hospital Trust Melethampanoor, Thiruvananthapuram - 695 023 Ph: 0471 2333193 Vasan Eye Care Hospital Pattom, Trivandrum – 695 004 Ph: 0471 4089000, Fax: 0471 2554001 Web: www.vasaneye.in find your hospitals | wayanad Ahalia Foundation Eye Hospital New Bus Stand, Kalpetta Wayanad - 673 121 Ph: 04936 206032 Email: kalpetta@afeh.org Web: www.afeh.org Assumption Hospital S.Bathery, Wayanad, Ph: 04936 223120

DM WIMS Medical College & Hospital Naseera Nagar, P.O. Meppadi Wayanad - 673 577, Kerala, India Ph: +91 4936 287200, Fax: +91 4936 287287 Email: co@dmwims.com Web: www.dmwims.com Fathima Hospital Kalpetta, Wayanad, Ph: 04936 202413 Jyothi Hospital Mananthavady, Wayanad, Ph: 04935 240371 Leo Hospital Kalpetta, Wayanad, Ph: 04936 202550 M.E.S Hospital S.Bathery, Wayanad, Ph: 04936 220285 Swami Vivekananda Medical Mission V ivekananda Nagar, Muttil Kalpetta North, Wayanad - 673 122 Ph: 04936 202528, 204360, Fax: 04936 204360 E-mail: svmm_muttil@hotmail.com Web: www.svmm.org KARNATAKA HOSPITALS Fortis Hospital 154/9, Bannerghatta Road Opposite IIM-B, Bangalore - 560 076 Karnataka, India Ph: 080 66214444, 22544444, Fax: 080 66214242 Email: enquiries@fortishealthcare.com Web: www.fortishealthcare.com Fortis Hospitals No 14, Cunningham Road Sheriffs Chamber, Bangalore -560052 Ph: 080-41994444, 9686860310 Email: enquiries@fortishealthcare.com Web: www.fortishealthcare.com

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A.J. Hospital & Research Centre NH 66 Kuntikana, Mangalore Karnataka - 575004, Ph: 0824 222 5533 Web: www.ajhospital.in Bangalore Baptist Hospital Bellary Road, Hebbal Bangalore - 560024, Ph: 080 22024700, 23437971 Fax: 080 23437970, 23337817 Email: info@bbh.org.in, bbh@bbh.org.in Web: www.bbh.org.in BGS Global Hospitals, Bengaluru 67, Uttarahalli Road, Kengeri Bangalore- 560 060, Karnataka Ph: 080 2625 5555 Fax: 080 2860 5775 Web: www.globalhospitalsindia.com Chord Road Hospital Pvt. Ltd. No. 100/101, LIC Colony Near Shankar Mutt West of Chord Road Basaveswaranagar Bangalore - 560079 Ph: 080 23225848, 23225868 Columbia Asia Medical Centre - Hebbal, Bangalore 26/1, Brigade Gateway, Beside Metro, Malleswaram West Bangalore - 560 055 Ph: 080 3989 8969 Fax: 080 3092 5454 Health Care Global - Speciality Centre #8 P.Kalinga Rao Road, Sampangi Ramnagar Bangalore - 560027, Ph: 080 3366 9999 Fax: 080 2248 5962 Email : info@hcgoncology.com Web: www.hcgoncology.com 162 medical tourism

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Hosmat Hospital 45 Magrath Road Off Richmond Road Bangalore - 560 025 Ph: 080 25593796, 25543797 Fax: 080 25593798 Email: mail@hosmatnet.com Web: www.hosmatnet.com KR Hospital 979,1st Stage, 50 Feet Road Banashankari, Opposite P.E.S. College Bangalore - 560050 Ph: 080 26755800 Email: admin@krhospital.net Web: www.krhospital.net Mallya Hospital No.2 Vittal Mallya Road, Bengaluru - 560001 Ph: 080 22277979 Fax: 080 22121282 Email: info@mallyahospital.net Web: www.mallyahospital.net Manipal Hospital 98, HAL Airport Road, Bangalore - 560017 Fax: 080 2526 6757 Ph: 080 25024444, 3344 Email: info@manipalhospitals.com Web: www.manipalhospitals.com M S Ramaiah Memorial Hospital New B E L Road, M S Ramaiah Nagar MSRIT Post, Bangalore - 54 Ph: 080 2360 8888, 2360 9999 Fax: 080 2218 3276 Email: info@msrmh.com Web: www.msrmh.com

Narayana Hrudayalaya Health City Bommasandra Industrial Area Hosur Road, Anekal Taluk Bangalore- 560099 Ph: 080 7122 2222 Fax: 080 2783 2648 Email: info@hrudayalaya.com Web: www.narayanahospitals.com Narayana Nethralaya 121/C, Chord Road, 1st ‘R' Block Rajaji Nagar, Bangalore - 560 010 Ph: 080 66121300 - 1305 Fax: 080 23377329 Email: info@narayananethralaya.com Web: www.narayananethralaya.org Narayana Super Speciality Hospitals No 24, 9th Cross, Margosa Road Malleshwaram, Bangalore - 560 003 Ph: 080 2308 4000, 094835 32532 Nephrolofe Care (India) Pvt. Ltd First Floor, Berlie Street, Langford Town Shantinagar Bengaluru - 560027 Ph: 080 49129900 Fax: 080 49129922 Email: info@nephrolife.in Web: www.nephrolife.in Nethradhama Superspeciality Eye Hospital (A unit of Nethradhama Hospitals Pvt. Ltd.) 256/14, Kanakapura Main Road, 7th Block Jayanagar, Bangalore - 560 082 Ph: 080 26088000, 26633533 Fax: 080 26633770 Email: appointment@nethradhama.org Web: www.nethradhama.org

NU Hospitals C.A. 6, 15th Main, 11th Cross, Padmanabhanagar, Bangalore - 70 Ph: 080 42489999 Fax: 080 26392693 Email: info@nuhospitals.com Web: www.nuhospitals.com Panacea Hospital 334, 8th Main, 3rd Stage Basaveswaranagar Bangalore - 560 079 Ph: 080 43307777 Email: info@panaceahospital.com Web: www.panaceahospital.com P.D. Hinduja Sindhi Hospital Sindhi Hospital Road,12th A Cross Behind Woodlands Hotel Sampangiramanagar Bangalore - 560 027 Ph: 22237535, 117 Email: pdhsh@airtelmail.in Web: www.hindujasindhihospital.com P.V.S. Hospital 6th Cross, J.C.R. Extension Chitradurga - 01 Ph: 08194 230210 Fax: 08194 230654 Email: info@pvschitradurga.org Web: www.pvschitradurga.org Rangadore Memorial Hospital 1st Cross, Shankarapuram, Basavanagudi, Bengaluru, Karnataka-560004.

Ph: 080 26983300,Fax: 080 26621645 Email: info@rangadorehospital.com Web: www.rangadorehospital.com

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Sagar Hospitals, Banashankari Shavige Malleshwara Hills, Kumaraswamy Layout, Bangalore - 560078 Ph: 080 42999999, Fax: 080 42999050 Email: bsk105@sagarhospitals.in Web: www.sagarhospitals.in Santosh Hospital 6/1, Promenade Road Behind Coles Park Near Goodwill School Bangalore - 560 005 Ph: 080 40848888, 41252500 SPARSH Hospital 29/P2, The Health City, Bommasandra Industrial Area Hosur Road, Bangalore - 560 099 Ph: 080 33271038, Fax: 080 33271112 Email: infojobs@sparshhospital.com Web: www.sparshhospital.com St. John's Medical College and Hospital Sarjapur Rd, Koramangala 2 Block Madiwala, Bangalore, Karnataka 560034 Ph: 080 2553 6514, Web: www.stjohns.in Suguna Hospital 1A/87, Dr. Rajkumar Road, 4th 'N' Block, Rajajinagar, Bengaluru - 10 Ph: 080 40194444, 23327777 Email: info@sugunahospital.com Web: www.sugunahospital.com Trinity Hospital & Heart Foundation Near R.V. Teacher's College Circle Basavanagudi, Bangalore - 560 004 Ph: 080 41503434, 26563993 Fax: 080 26563995 Email: trinityhospital@hotmail.com Web: www.trinityhospital.in 164 medical tourism

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Vijay Srishti Fertility Centre Shiv Complex, Opp. V ijay Hospital Old Bangalore Road, Hosur - 635 109 Ph: 04344 320888 Email: vijaysrishtifertilitycenter@gmail.com Vikram Hospital Private Limited 2909, New No.22 & 21/1, Temple Road, Near Vontikoppal Circle Mysore - 20, Ph: 0821 4242424 Web: www.vikramhospital.com Vydehi Institute of Medical Sciences & Research Centre 82, Nallurahalli, Near BMTC 18th Depot Whitefield, Bangalore - 560 066 Ph: 080 28412956, 28413381 Email: info@vims.ac.in Web: www.vims.ac.in TAMIL NADU HOSPITALS Apollo Hospitals, Chennai Off Greams Road, Chennai - 600006 Ph: 044 28290200, 28293333 Fax: 044-28293524, 28296022 Web: www.apollohospitals.com Apollo Specialty Hospitals, Madurai Lake V iew Road, K.K. Nagar Madurai-625020, Tamil Nadu Ph: 0452 2580892, 2580893, Fax: 0452 2580199 Email:healthline_mdu@apollohospitals.com Web: www.apollohospitals.com Christian Medical College Ida Scudder Road, Vellore - 632004 Ph: 0416 2222102,Fax: 0416 2232035 Email: gsoffice@cmcvellore.ac.in Web: www.cmch-vellore.edu

CIMAR Coimbatore 2nd Floor, Manu Hospital, Paari Nagar Sungam Bye-pass Road, Coimbatore - 641 045 Ph: 0422 6472227 Email: cimarcoimbatore@gmail.com Web: www.cimarindia.org

K.G. Hospital Arts College Road, Coimbatore - 18 Ph: 0422 2212121-29 Fax: 0422 2211212 Email: drgb@kggroup.com Web: www.kghospital.com

Dr. Agarwal's Eye Hospital Ltd. 19, Cathedral Road Chennai - 600 086 Ph: 044 28112811, 28112525 Fax: 044 28115871 Email: dragarwal@vsnl.com Web: www.dragarwal.com

Kovai Medical Centre and Hospital Avanashi Road Coimbatore - 641 014 Ph: 0422 3083800, 4323800-802 Fax: 0422 2627782 Email: getwell@kmchhospitals.com Web: www.kmchhospitals.com

Dr. Mehta's Hospitals No.2, McNichols Rd, 3rd Lane Chetpet, Chennai - 600 031 Ph: 044 42271001 - 1005 Fax: 044 42271217 Email: info@mehtahospitals.com Web: www.mehtahospital.com

Kumaran Hospitals Pvt. Ltd. 214, E.V.R Periyar Salai Poonamallee High Road Kilpauk, Chennai - 10, Ph: 044 4295 6777 Web: www.kumaranhospitals.com

Frontier Lifeline Hospital R-30-C Ambattur Industrial, Estate Road Mogappair, Chennai - 600 101 Ph: 42017575, 26564224 Email: drkmc@frontierlifeline.com Web: www.frontierlifeline.com Ganga Medical Centre & Hospitals Pvt Ltd 313, Mettupalayam Road, Coimbatore - 641 043 Ph: 0422 2485000, Fax: 0422 2436444 Email: srs@gangahospital.com Web: www.gangahospital.com Global Hospitals & Health City 439, Cheran Nagar, Perumbakkam, Chennai - 100 Ph: 044 2277 7000, Fax: 044 44777100 Web: www.globalhospitalsindia.com

Meenakshi Mission Hospital & Research Centre Melur Road, Lake Area Madurai - 625007 Ph: 0452 2588741 Web: www.meenakshimission.org Noble Hospital No. 4(44), Audiappa Mudali Street Purasawakkam, Chennai - 600 084 Ph: 044 40042222 Fax: 044 26403300 Email: balaji_noble@hotmail.com Web: www.noblehospitals.com Parvathy Hospital 241, G.S.T.Road, Chromepet, Chennai - 600 044 Ph: 044 22382248, 22383456 Web: www.parvathyhospital.com

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PSG Hospitals Peelamedu, Coimbatore - 641 004 Ph: 0422 4345353, 2598822 Help Line: +91 99521 49911 Email: psghospitals@psgimsr.ac.in Web: www.psghospitals.com

Sugam Hospital Thiruvotriyur, Chennai - 19.

Ph: 044 25733830, 2573 3296 Fax: 044 25739902, 2573 0695 Email: sugamhospital145@gmail.com Web: www.sugamhospital.com

Sankara Nethralaya Nungambakkam, Chennai - 06 Ph: 044 28271616, Fax: 044 28254180 Email: mrf@snmail.org Web: www.sankaranethralaya.org

Sundaram Medical Foundation Annanagar, Chennai - 600 040 Ph: 044 26268844 Fax: 044 26284257 Web: www.smfhospital.org

Sri Narayani Hospital & Research Centre Sripuram, Vellore - 632 055 Ph: 0416 2206300 - 302 Mobile: 099524 16821, 99524 16824 Email: info@snhrc.org Web: www.snhrc.org

The Arya Vaidya Pharmacy (Coimbatore) Ltd. 42, Perumal Koil Street Ramanathapuram P.O Coimbatore - 641 045 Ph: +91 422 2315412, 2316220 Email: avt@avpayurveda.com Web: www.avpayurveda.com

Sri Ramachandra Medical Centre Kamala Nagar, Mugalivakkam Chennai- 16, Ph: 044 2476 5512 Web: www.sriramachandra.edu.in Sree Renga Hospital No .12, Varada Reddy Street Vedachala Nagar Chengalpattu - 01 Ph: 044 27432240, 27431544 Fax: 044 27426736 Email: info@sreerengahospital.com Web: www.sreerengahospital.com St. Isabel's Hospital 49, Oliver Road, Mylapore Chennai - 04, Ph: 044 24991081-83 Fax: 044 2498 4776, 2498 6550 Email: info@stisabelshospital.in Web: www.stisabelshospital.in 166 medical tourism

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Vadamalayan Hospitals 9- A, Vallabai Road Chokkikulam, Madurai - 02 Ph: 0452 2545400 Fax: 0452 2522225 Web: www.vadamalayan.org VGM Hospital Trichy Road, Rajalakshmi Mills Stop Coimbatore - 05 Ph: 0422 2572573, 2572202-05 Fax: 0422 2572207 Email: admin@vgmhospital.com Web: www.vgmhospital.com Vijaya Hospital Group of Hospital N.S.K. Salai, Vadapalani, Chennai -600 026.

Ph: 044 66646664, 66616661 Web: www.vijayahospital.org

Indian Banking Industry-Amazing Strides The pace of development for the Indian banking industry has been tremendous over the past decade. Even when the world reeled under the global financial meltdown, India’s banking sector, which has an eventful history managed to maintain resilience while continuing to provide growth opportunities, a feat unlikely to be matched by the banking sectors in developed countries. Over the last three decades, 168 bank

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there has been a remarkable increase in the size, spread and scope of activities of banks in India. The business profile of banks has transformed dramatically to include nontraditional activities like merchant banking, mutual funds, new financial services and products and the human resource development. The advent of internet and other developments in communication technology has revolutionized the Indian banking sector beyond imagination in recent times.

Eventful History The genesis of banking in India dates back to the last decades of the 18th century. The first banks were The General Bank of India which started in 1786, and the Bank of Hindustan, both of which are now defunct. The oldest 170 bank

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bank in existence in India is the State Bank of India, which originated in the Bank of Calcutta in June 1806, which almost immediately became the Bank of Bengal. This was one of the three presidency banks, the other two being the Bank of Bombay and the Bank of Madras, all three of which

were established under charters from the British East India Company. For many years the Presidency banks acted as quasi-central banks, as did their successors. The three banks merged in 1925 to form the Imperial Bank of India, which, upon India’s independence, became the State Bank of India (SBI). The period between 1906 and 1911, saw the establishment of banks inspired by the Swadeshi movement. The Swadeshi movement inspired local businessmen and political figures to found banks of and for the Indian community. A number of banks established then have survived to the present such as Bank of India, Corporation Bank, Indian Bank, Bank of Baroda, Canara Bank and Central Bank of India. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India was established in 1935. During the first phase of the Indian banking industry, the growth was very slow and banks also experienced periodic failures between 1913 and 1948. There were approximately 1100 banks, mostly small.

To streamline the functioning and activities of commercial banks, the Government of India came up with The Banking Companies Act, 1949 which was later changed to Banking Regulation Act 1949. Reserve Bank of India was vested with extensive powers for the supervision of banking in India as the Central Banking Authority.

Nationalization and its Aftermath In 1955, the Government nationalised Imperial Bank of India with extensive banking facilities on a large scale especially in rural and semi-urban areas. State Bank of India acted as the principal agent of RBI handling banking transactions of the Union and State Governments all over the country. Seven banks forming subsidiary of State Bank of India was nationalised in 1960. In another drastic measure at the initiative of the then Prime Minister Mrs Indira Gandhi, fourteen major commercial banks in the country were nationalized in 1969. After the second phase of nationalization in 1980, as much as 80% of the banking segment in India came under Government ownership. In

the third phase of the history of the Indian banking sector products and facilities offered by the banks rose to greater levels. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which worked for the liberalisation of banking practices. Today the country is also flooded with several foreign banks and their ATM stations. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money.

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Nationalization of banks paved way for retail banking and as a result there has been an all round growth in the branch network, the deposit mobilization, credit disposals and of course employment. The first year after nationalization witnessed the total growth in the agricultural loans and the loans made to SSI by 87% and 48% respectively. The overall growth in the deposits and the advances indicates the improvement that has taken place in the banking habits of the people in the rural

and semi-urban areas where the branch network has spread. Such credit expansion enabled the banks to achieve the goals of nationalization, it was however, achieved at the coast of profitability of the banks.

The Spate of Reforms The recommendations made by a high level committee on financial sector, chaired by Mr M. Narasimham, laid the 176 bank

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foundation for the banking sector reforms during the post liberalization era. These reforms tried to enhance the viability and efficiency of the banking sector. The Narasimham Committee suggested that there should be functional autonomy, flexibility in operations, dilution of banking strangulations, reduction in reserve requirements and adequate financial infrastructure in terms of supervision, audit and technology. The committee further advocated

introduction of prudential forms, transparency in operations and improvement in productivity, only aimed at liberalizing the regulatory framework, but also to keep them in time with international standards. The emphasis shifted to efficient and prudential banking linked to better customer care and customer services. It was in the early 1990s, the then Narasimha Rao government embarked on a policy of liberalization, licensing a small number of private banks.

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These came to be known as New Generation tech-savvy banks, and included Global Trust Bank which later amalgamated with Oriental Bank of Commerce, Axis Bank, ICICI Bank and HDFC Bank. This move, along with the rapid growth in the economy of India, revitalized the banking sector in India, which has seen rapid growth with strong contribution from all the three sectors of banks, namely, government banks, private banks and foreign banks. The next stage for the Indian

banking has been set up with the proposed relaxation in the norms for Foreign Direct Investment, where all Foreign Investors in banks may be given voting rights which could exceed the present cap of 10%, at present it has gone up to 74% with some restrictions. The new wave ushered in a modern outlook and tech-savvy methods of working for traditional banks. People started not just demanding more from their banks but also received more. As of today, banking in India is generally fairly mature in terms of supply, product range and reach, even though reach in rural India still 180 bank

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remains a challenge for the private sector and foreign banks.

In terms of quality of assets and capital adequacy, Indian banks are considered to have clean, strong and transparent balance sheets relative to other banks in comparable economies in its region. With the growth in the Indian economy expected to be strong for quite some time, especially in its services sector, the demand for banking services, especially retail banking, mortgages and investment services are expected to be strong. The period is also likely to witness more mergers, takeovers and asset sales.

Technological Revolution Information Technology has basically been used under two different avenues in Banking. One is Communication and Connectivity and other is Business Process Reengineering. Information technology enables sophisti182 bank

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cated product development, better market infrastructure, implementation of reliable techniques for control of risks and helps the financial intermediaries to reach geographically distant and diversified markets. In view of this, technology has changed the contours of three major

functions performed by banks. They are access to liquidity, transformation of assets and monitoring of risks. Further, Information technology and the communication networking systems have a crucial bearing on the efficiency of money, capital and foreign exchange markets. The Software Packages for Banking Applications in India had their beginnings in the middle of 80s, when the Banks started computerising the branches in a limited manner. The early 184 bank

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90s saw the plummeting hardware prices and advent of cheap and inexpensive but high-powered PCs and servers and banks went in for what was called Total Branch Automation (TBA) Packages. The middle and late 90s witnessed rapid revolution in communication technologies and evolution of novel concept of ‘convergence’ of computer and communication techno-logies, like Internet and phones. Internet has significantly influenced delivery

channels of the banks. Internet has emerged as an important medium for delivery of banking products and services. Rapid strides in information technology have, in fact, redefined the role and structure of banking in India.

Banks are also coping and adapting with time and are trying to become one-stop financial supermarkets. The market focus is shifting from mass banking products to class banking with the introduction of value added and customised products. Customised banking products, such as Investment Advisory Services; photo-credit cards; cash Management services; Investment products and Tax Advisory services have already been introduced by a few foreign and private sector banks. A few banks have also gone in to market mutual fund schemes. New distribution channels are being widely used by banks. More and more banks are introducing services like disbursement and servicing of consumer loans and credit card business.

Direct Selling Agents (DSAs) of various Banks go out and sell their products. They make house calls to get the application form filled in properly and also take your passport-sized photo. Home banking has already become common. Now, you can order a draft or cash over the phone or internet and have it delivered home. User can now access account information over a secure line, request cheque books and stop payment, and even transfer funds between Bank accounts.

Bank of Baroda Baroda Corporate Centre Plot No - C-26, G - Block Bandra - Kurla Complex Bandra (East), Mumbai - 400 051 Tel: 022 6698 5000 - 04 Fax: 022 2652 3500 Web: www.bankofbaroda.com Bank of Baroda is one of the leading Public Sector Banks in India. It has a huge customer base and with their support, the Bank was able to march past 107 years of 186 bank

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uninterrupted profit making years of existence. The Bank has a strong network of 5090 branches and over 7484 ATMs supporting the cause of public support. The Bank is having 102 overseas branches spread over 25 countries including UAE and Sultanate of Oman. The network includes specialized SME Loan Factories, Retail Loan Factories, Personal Banking branches, Corporate Finance branches, International Business branches, etc. Bank of Baroda considers customers as their guiding factor and their main objective is providing them the best of the services on an ongoing basis. Bank of Baroda has a strong technology platform with 100% Core Banking Solution. Bank offers a wide variety of alternate delivery channels viz. debit cards, internet banking, mobile banking, phone banking, Baroda e-trade etc to its customers. Bank also offers internet payment gateway, prepaid gift cards and international currency card. In yet another customer centric measure, Bank has recently opened fifty 24 x 7 Customer Self Service Outlets with cash withdrawal, bulk cash deposits, cheque deposit facility, pass book updating facility and an internet kiosk for net banking operations, called e-lobbies.

Bank of India Zonal Office, Kaloor Towers Kaloor - Kadavanthara Road Kaloor, Cochin - 682 017 Ph: 0484 2349557, 2349686 Email: ZO.Kerala@bankofindia.co.in Web: www.bankofindia.co.in Founded on 7th September, 1906 by a group of eminent businessmen of Mumbai, Bank of India has crossed 108 years of its purposeful existence. The Bank has rich heritage. From the very beginning, it has established a reputation of high standards for service. The Bank has been a pioneer in the Indian Banking world and has put in place time tested established practices and standards.

Known for its resilience and adeptness at responding to changes in the banking environs, the Bank has successfully

passed through many turbulent periods. The Bank has a total network of 4800 Indian branches and 54 foreign outlets providing service to your banking needs anywhere you need. In order to render service exclusively to NRIs, we have specialized 6 NRI branches at important cities apart from 14 NRI centres at certain Key Centres. The total business mix of the Bank has crossed 940 Lakh Crores as on 31/12/2014. The Bank is truly India’s International Bank with presence in 13 countries, in all time zones. Total number of Bank’s ATMs increased to 6400 and total number of E-Galleries is 300 spread across the country. 100% of Bank’s domestic branches are computerized and are under Core Banking Solutions (CBS). In line with its penchant for being the first in many technology enabled initiatives, BOI 1 st started Instant Money Transfer IMT amongst the peer banks to transfer domestic cash 24*7 with mobile number.

The Bank has set up a Global Processing Centre at Singapore for networking operations amongst all foreign branches of the Bank. The Bank has always stood to its value ‘Relationship beyond banking’ providing customers flavor of satisfaction meanwhile getting transformed to ‘Bank of choice. Bank of India and Dai-Ichi Mutual Life Insurance Company of Japan have set up a joint venture Life Insurance Company. Bank has National Swasthya Bima Policy, a Health Insurance product for their customers under a strategic tie up with National Insurance Company.

Federal Bank Ltd. Federal Towers, Corporate Office P.B No: 103, Aluva - 683 101 Ph: 0484 2623620-27, 2630996 Fax: 0484 2622283 Web: www.federalbank.co.in Federal Bank headquartered in Aluva, Kerala is 4th largest all private sector banks in India in terms of footprint. Today the Bank enjoys the trust and confidence of more than 6 million customers across the world. Federal Bank’s Fixed Deposits and Certificates of Deposits enjoy A1+ of CRISIL 188 bank

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ratings, the highest rating of in that class. As of now, the Bank has 1222 branches and 1476 ATMs (as on 15th January 2015) spread across 25 States and Union Territories of India. Federal Bank is the proud channel of around 9% of the total NRI remittances to India. It has a Representative Office at Abu Dhabi and 18 IBT officers in UAE. It has Rupee Drawing Arrangement with 6 banks and 71 Exchange Houses (USA-1; UK-2 & GCC Countries - 68). Business Performance: Federal Bank put in an impressive performance during the third quarter ending December 31, 2014. The Net Profit of the bank grew by 29.13% to reach Rs.725.22 Crore as against Rs 561.60 Crore as on 31/12/2013.

Awards and Recognitions - Excellence in administration, business, technological advancement and CSR has made it a recipient of a host of recognitions. Some of the recent ones are: IDRBT Awards for Excellence in IT management in 4 out of 5 disciplines on October 15, 2014. The recognitions are: Best Bank for Use of IT for Financial Inclusion, Best Bank for Social Media and Mobile Banking, Best Bank for Business Intelligence Initiatives and Best Bank for Best IT Team. CNBC TV18 Financial Inclusion Award for the work done by the Bank towards the cause of Financial Inclusion and empowerment of those at the bottom layer of the economy. Federal Bank was chosen the Best Bank among small banks in India in the Best Bank Survey, 2014 conducted by Business World - Price Waterhouse Coopers Combine. Compliance & Capital Adequacy: From 1st April 2013, Federal Bank is Basel III Compliant and the bank reviews the Capital Adequacy Ratio on a quarterly basis. Against the minimum level of 9% prescribed by the RBI, the bank maintains the ratio at 14.51%. The Bank has complied with the guidelines for regulatory capital under Basel III norms and is fully prepared to move on to the complete Basel III compliance as per the implementation schedule prescribed by RBI. Business Focus: Instead of risk-prone big ticket lending, bank deploys its funds among a large number SMEs and Retail borrowers countrywide. Such broad based lending has led to reducing risk and building relationships with

numerous upcoming business enterprises and start ups who carry with them the future of India. Products that redefine Customer Delight: Recent years the bank has rolled out an assortment of innovations which redefined the benchmark of customer delight. Some of the new additions which further enriched the repertoire of Federal Bank’s innovations are: FedBook - A power packed electronic passbook. V irtual Accounting System (VAS) - A boon to Institutional Clients of Federal Bank. - E-Maintenance - A hand maiden to Residents Associations/Housing Societies. Scan n Pay - An aid to scan the QR Code & pay through your your Cell phone. APNA GOLD 24*7 - is a costeffective alternative to credit Card. - Fed Rise - An OD against RD - an aid in emergency.

Punjab National Bank Head Office 7, Bhikhaiji Cama Place New Delhi - 110 066 Ph: 011 26102303 Web: www.pnbindia.in The Punjab National bank is one of the largest nationalized banks in the country with over 6500 branches in India and 5 overseas branches. The bank serves more than 82 million customers with prudent and trustworthy banking. With strong fundamentals, large franchise value and good brand image, the bank can meet the growing aspirations of all groups of people. Some of the accolades for the bank in 2014 - 15 include MSME Banking Excellance Award, RBI Rajbhasha Award, Annual Social Banking Excellence Award, ‘Golden Peacock Business Excellence Award’ by Institute of Directors, PNB Received Award For CSR Activity, Golden Peacock award for innovative Product/Service, Vigilance Excellence Award , ABP News presented PNB with Global CSR Excellence and Leadership Award for ‘Organisations with Best CSR Practices’. The bank enjoys rank No.26 among FE 500 India’s Finest Companies. In business performance the bank has maintained its Number One position in Savings Deposits, CASA Deposits, Total Income, Non Interest Income, Operating Profit and Net

Profit among the nationalized banks. The bank has been able to protect the interests of both the customers and the stake holders. In operational performance also the bank has been able to put forth excellent results. With 6500 branches, 8226 ATMs, 7000 Business Correspondents, the bank has been the forerunner in the initiatives for Financial Inclusion Programmes. The bank is also actively participating in the Direct Benefit Transfer Programme of the Government. For the techno savvy young generation the bank offers Fund Transfer, Bill Payments mobile registration for generation of SMS alerts, Direct Tax Payment, request for stop payment of cheques etc from its network of ATMs. The bank offers Internet Banking including online bill payment for utility services, Railway/ air ticket booking, e-payment of service taxes and many more. All the branches are RTGS and NEFT enabled. PNB MetLife India Insurance Company is the new initiative of the bank. Other services include credit and debit cards, Gold Business, Merchant Banking, Mutual Fund, Factoring Services etc. 500 branches are now Pragadi Branches with a queue management system, self-service area with Pass Book Printing Terminal, Cash and Cheque Deposit Machine for speedy and convenient delivery of services. The bank has branches in Hong Kong, Dubai, Afghanistan, an Offshore Banking Unit in SEEPZ, Mumbai, and Subsidiaries in UK, Bhutan, and Kazakhstan. The bank has 48 branches in its joint venture with Everest Bank, Nepal. There are five representative offices in Sydney, Dubai, Almaty, Shanghai and Oslo. The bank will keep on dedicating itself and fulfilling the needs of the people with excellent financial services in the years to come.

State Bank of India Local Head Office S.S Kovil Road, Thambanoor Trivandrum-695 001 Web: www.statebankofindia.com Premier Banking Institution in India with more than 206 years of enviable history, wide network of more than 16000 branches, ATM points, cash deposit machines, large

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customer base. Offers wide range of products from home loans, car loans, personal loans, business loans, debit cards, prepaid cards, foreign travel cards, exchange services, agricultural credit etc. Wide International presence. SBI Home Loan - Smart Option to Secure your Future with Home Loans: It is often said that sooner you get your roof over your head, the better it is. Buying a home for yourself is one of the most important decisions you should take to secure your future. State Bank of India, India’s Premier & Largest Banking Group with more than 200 years of Trust offers Home Loan at the most competitive rate and a number of added benefits. Here we list the features and also take a look at how a home loan can help you secure your future. SBI Maxgain - Facility to operate the home loan account as overdraft. Surplus amount credited in the account are adjusted against principal. The account can be used as a running account with Internet Banking, Cheque Book etc. Lowest Interest Rate - Interest rates continuously benchmarked to match or better the competing offers.

Maximum Tenor - A maximum loan tenor of 30 years available for reducing EMI burden. Project Cost - Amount towards furnishing and service tax can be included in the project cost. Complete Transparency in Pricing - No hidden Fees or Charges. Interest calculated on a Daily reducing Balance resulting in interest savings for customers. No Prepayment/ Pre-Closure Penalty is charged irrespective of interest type, loan value or term completed. SBI Yuva - A revolutionary Home Loan product to bridge the gap between the available funds and the property prices for young customers (21-45 years). Customers can make use of the higher eligibility.

SBI Home Top up Loan - Top up loan can be availed leveraging the appreciation in property value to meet your financial needs in future like your child’s higher education or an emergency in the family. SBI Pre-approve Home Loans (PAL) Now move into a new home faster than ever before. SBI Pre-approved Home Loans sanctions your loan before you even finalize Property. Auto Loans: Walk in and Drive Out Avail Car Loans from SBI at cheaper interest rates without 190 bank

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any hidden charges. Lowest EMI @ Rs 1683/- for men and Rs 1681/- for women. Easy processing and fast delivery of loans ensured.

State Bank of Travancore Head Office: Poojapura Thiruvananthapuram - 695 012 Web: www.statebankoftravancore.com State Bank of Travancore (SBT) was originally established as the Travancore Bank Ltd on 12th September 1945 in the erstwhile Princely State of Travancore with a paid up capital of Rs.1 crore. The Bank became a Scheduled Commercial Bank in 1946, and in 1960 it became a subsidiary of the State Bank of India and assumed its present name. SBT has its corporate office in Thiruvananthapuram and has 8 Zonal Offices; 6 in the State of Kerala, one at Chennai, and one at Bangalore, 14 offsite Regional offices and two independent Regional offices in Delhi and Mumbai are headed by DGM. The Corporate Data Centre of the Bank is at Belapur, Navi Mumbai, along with all Banks of the State Bank group. As at the end of December 2014, SBT has a network of 1138 branches. The offices of the bank are spread across 16 states and 3 Union Territories of Chandigarh, Puducherry and the National Capital Region of Delhi. 831 branches of SBT are in the State of Kerala. SBT marks its presence in all metros and total outside Kerala branches are 303. Bank’s branches are networked under Core Banking Solutions with Internet Banking and Mobile Banking facilities. The Bank is actively encouraging use of Electronic Payment systems, Mobile Banking and Internet Banking facility. The Bank has installed 1516 ATMs to enhance customer convenience. These ATMs are part of the 31,000 + ATM network of State Bank Group, the largest ATM network in India. International ATM-cum-Debit Cards are available to customers to make withdrawals throughout the world. We introduced a new product, Point Of Sale (POS) to promote a cashless payment environment which is beneficial to all stakeholders. As of December

2014, we have installed 2542 POS terminals with leading commercial establishments. Bank provides remittance facility from US and UK through “Xpress Remit” Product.

The unique remittance product “Money Trans” provides speedy remittance facility from Gulf to the domestic clients having account with any Bank. Online Share Trading facility “eZ-Trade” provides ‘3 in 1’ advantage with Savings, Demat and Trading facilities. Other financial products like Life Insurance [in tie-up with SBI Life], Mutual Fund Investments [in tie-up with five Mutual Funds] and General and Accident Insurance [in tie-up with SBI General Insurance Co Ltd.] are available at all branches of the Bank.

Thus the Bank has become a Financial Super Market offering full spectrum of products under one roof. The Bank has excelled in the areas of Agricultural lending, Rural Housing, Educational Loans to needy students, finance to Self-Help Groups and retail banking. Bank has tailor made products to service the customers in all segments. We have covered all the villages allotted to us under Financial Inclusion. The Bank has a representative office in Dubai and 9 Relationship Managers all over Middle East countries. The Bank manages two Exchange Houses – M/s City Exchange LLC, Dubai and M/s Global Money Exchange Company, Oman. M/s City Exchange LLC Dubai manages 17 branches throughout various emirates of UAE and Global Money Exchange manages more than 30 branches in Oman.

As of March 2014, our market share in deposits is 1.16% and in advances is 1.16% of the ASCB level. SBT has a very large clientele base of Non Resident Indians. The contribution of NRI segment to the deposits of the Bank is more than 28%. The Bank has correspondent banking arrangements with 17 Banks worldwide. The Bank offers a wide spectrum of services to its NRI customers. In order to facilitate smooth transfer of funds from the Gulf, the Bank has entered into rupee drawing arrangements with 43 Exchange Houses and one Bank in the Gulf. More ‘Gold Point’ Branches are opened for the customers to avail speedy gold loans at ease and convenience as and when

needed. Gold Loan Kiosks are functioning at many branches for availing Gold Loans without any procedural delays.

The Bank has also opened “Sradha Kendras” for opening accounts under Prime Minister’s Jan Dhan Yojna (PMJDY) scheme.

Andhra Bank 5-9-11, Dr Pattabhi Bhavan Secretariat Road, Saifabad Hyderabad 500 004. Telangana Ph: 040- 23252000 Web: www.andhrabank.in AXIS Bank Ltd Corporate Office Bombay Dyeing Mills Compound Pandurang Budhkar Marg Worli, Mumbai - 400 025 Ph: 022 24252525, Web: www.axisbank.com Bank of Baroda Baroda Corporate Centre Plot No - C-26, G - Block Bandra - Kurla Complex Bandra (East), Mumbai - 400 051 Ph: 022 6698 5000 - 04, Fax: 022 2652 3500 Web: www.bankofbaroda.com Bank of India Star House, C-5, G Block, Bandra Kurla Complex Bandra East, Mumbai-400 051 Ph: 022 66684444, Web: www.bankofindia.com Bank of Maharashtra Head Office, ‘Lokmangal’, 1501 Shivajinagar, Pune-411005 Ph: 020 - 25532731, 25532733 Web: www.bankofmaharashtra.in Canara Bank Head Office, 112, J.C Road, Bangalore - 560 002 Ph: 080 22221581, Web: www.canarabank.com

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Catholic Syrian Bank St. Mary’s College Road, Thrissur, Kerala - 680020 Ph: 0487 2333020, Fax: 0487 2333170 Web: www.csb.co.in Central Bank of India Corporate Office, Chander Mukhi, Nariman Point Mumbai - 400 021, Ph: 022 66387777 Web: www.centralbankofindia.co.in City Bank N.A, mail Desk, No: 2, Club House Road Annasalai, Chennai - 600 002 Web: www.onlinecitybank.co.in City Union Bank Ltd. ‘Narayana’ Administrative Office 24 B, Gandhinagar, Kumbakonam - 612 001 Ph: 0435 2402322, 2401622, Fax: 0435-2431746 Web: www.cityunionbank.com Corporation Bank Mangaladevi Temple Road, Pandeshwar Mangalore 575 001, Karnataka Ph: 0824 2426416 to 420, Fax: 0824 2440964 Web: www.corpbank.com Dena Bank Bandra Kurla Complex, Banrda East Mumbai - 400 051,Ph: 022 26545000, 26545035 Web: www.denabank.com

HDFC bank Ltd Chandivali, Off Sakivihar Road Sakinaka, Andheri East, Mumbai - 400 072 Ph: 022 28569009 Web: www.hdfcbank.com ICICI Bank ICICI Bank Tower, Bandra Kurla Complex Mumbai - 400 051, Ph: 022 33667777 Web: www.icicibank.com IDBI Bank Ltd. IDBI Tower, WTC Complex Cuffe Parade, Mumbai-400 005 Ph: 022 66553355, 66937000 Web: www.idbi.com Indian Bank Corporate Office, C-Wing, 254-260 Avvai Shanmugam Salai Royapettah, Chennai - 600 014 Ph: 044 28134300, 28134457, 28134583 Email: indianbankccd1@gmail.com Web: www.indianbank.in Indian Overseas Bank Central Office, 763 Anna Salai Chennai - 600002, Ph: 044 28524212 Web: www.iob.in

Dhanalakshmi Bank Ltd. Dhanalakshmi Building, PB No: 9, Nayakanal Thrissur - 680 001, Ph: 0487 6617000 Fax: 0487 6617222, Web: www.dhanbank.com

Indusind Bank Ltd Corporate Office, 8th Floor, Tower 1C One India Bulls Centre, 841, S B Marg Elphinstone Road, Mumbai - 400013 Ph: 022 24231999 Web: www.indusind.com

Federal Bank Ltd Federal Towers, Corporate Office, P.B No: 103 Aluva - 683 101, Ph: 0484 2623620-27, 2630996 Email: fbl@federalbank.co.in Web: www.federalbank.co.in

ING Vysya Bank Ltd ING Vysya House, No: 22, M.G. Road Bangalore - 560 001 Ph: 080 25559222 Web: www.ingvysyabank.com

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Jammu and Kashmir Bank Moulana Asad Road, Sreenagar Kashmir - 190 001, Ph: 0194 2481930 Web: www.jkbank.net Karnataka Bank Limited Mahaveera Circle, Kankanady Mangalore - 575 002 Karnataka State Ph: 0824-2228222 Web: www.karnatakabank.com Kotak Mahindra Bank Ltd Ground Floor, Samsung Buildings 158, CST Road, Santacruz East Mumbai - 400 098 Ph: 022 66768311, Web: www.kotak.com The Lakshmi Vilas Bank Ltd Administrative Office, LVB House 4,Sardar Patel Road, guindy Chennai - 600032, Tamil Nadu Ph: 044 22205207, Web: www.Ivbank.com Oriental Bank of Commerce Corporate Office, Plot No. 5 Institutional Area, Sector-32 Gurgaon – 122001 Ph:0124 4126200, 4126300 Web: www.obcindia.co.in Punjab National Bank Head Office 7 Bhikhaiji Cama Place New Delhi - 110066 Ph: +91 11 26102303, Web: www.pnbindia.in Punjab & Sind Bank 1st Floor, 21, Rajendra Place New Delhi - 110008, Ph: 011 25719082 Fax: 011 25723793 Web: www.psbindia.com

South Indian Bank Head Office, SIB House TB Road, Mission Quarters Thrissur, Kerala - 680 001 Ph: 0487 2420020, 2420058 Email: sibcorporate@sib.co.in Web: www.southindianbank.com State Bank of India Central Office Madam Cama Road Mumbai - 400 021 Web: www.statebankofindia.com State Bank of Travancore Head Office, Poojapura Trivandrum-695 012 Web: www.statebankoftravancore.com SyndicateBank Corporate Office Gandhinagar, Bangalore-560 009 Ph: 080 22267545, 22267548 Web: www.syndicatebank.in Union Bank of India Central Office, Union Bank Bhavan Vidhan Bhavan Marg Nariman Point, Mumbai - 400 021 Ph: 022 22892000, 22892400 Website: www.unionbankofindia.co.in UCO Bank Head Office, 10, B T M Sarani Kolkata - 700 001, West Bengal Web: www.ucobank.com Vijaya Bank Head Office, 41/2, Trinity Circle M.G. Road, Bangalore - 56000 Ph: 080 25584066 (20 lines) Web: www.vijayabank.com

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Real Estate Fast Forward Braving all odds, the Indian real estate sector is going strong. From being an unorganized sector traditionally, this sector is fast emerging a more organized industry. This has largely been possible due to the entry of international real estate players, foreign investors and Indian corporate houses into the real estate sector. The demand for commercial and residential property is 196 dream makers

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shooting up as never before. Look anywhere around, every nook and corner is making rapid strides in real estate development fuelled by availability of productive property options at competitive prices. The real estate sector in India has witnessed phenomenal growth in the past decade also due to rapid urbanization, increasing levels of income. This fast-paced growth can also be attributed to the improved infrastructure and better

facilities, which play a major role in boosting the realty prospects of any area. The real estate industry in India faced the heat of the global economic crisis in terms of a demand slowdown and a severe liquidity crunch. Despite the consequential impact of the global slowdown, the Indian real estate sector managed to 198 dream makers

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emerge without too much distress due to the sound fundamentals of the economy, some regulatory intervention and an overall better-protected financial regime, according to market analysts.

The lingering economic slowdown, political uncertainties and a highly volatile stock market, has increased concerns about future

economic performance. Confusing land laws, uncertainty of raw material supply, labour issues and concerns over law enforcement and property also had its adverse impact on the real estate sector during this decade. To add to the woes of the sector, the new Land Acquisition Act may affect real estate prices, cause project delays and increase project costs.

The Brighter Side However, on the bright side, it is encouraging to observe that the recent financial reforms range across all aspects of the real estate business from land acquisition, through regulating the industry’s initiatives to take care of customer interests, further liberalization of the FDI and the introduction of the concept of real estate investment trusts (REITs). According to a report by FICCI, (Federation of Indian Chambers of Commerce and Industry), if India is to successfully compete with other real estate markets, it needs to take a holistic approach but at the same time not lose the sense of urgency. The evolving global scenario and changing policy regime have together left a lot to be re-learnt, making it crucial for the Indian real estate market to re-think its business practices. With globalization, investors will invest capital where they see an investor-friendly environment with associated ease of operation. Therefore, in order to be competitive the Indian real estate sector must become more transparent and demonstrate the potential for developing international standard properties and infrastructure. At the same time, Indian real estate sector has to see that it caters to the unique requirements of an Indian population polarized at the two ends of the economic spectrum. It is of course a real challenge, but the talent in the Indian real estate market and policy makers can together rise to meet in this challenge and take the Indian real estate sector to great heights.

“The real fact is that the Indian real estate industry is faced with a growing need for additional sources of funds and the success story of global REITs is compelling enough to encourage the implementation of a similar regime in India with requisite adjustments, keeping in perspective the unique dynamics of its economy” says FICCI. The second half of 2014 was full of positive surprises for India’s real estate sector. Important events like banks

lowering interest rates, RBI offering incentives for infrastructure financing and the advent of real estate investment trusts (Reits) and ‘Make-in-India’ campaign were some of the major initiatives that added momentum to the sector.

The Major Drivers The large scale growth of IT sector and the massive increase in migration of people has aroused the need for better housing and 202 dream makers

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commercial facilities across the major cities of India. This enormous demand has stimulated real estate builders to conceive more and more building projects across all realty sectors, be it residential, commercial or retail. A host of private and public sector players have become active in the real estate business, realizing its growing potential. The consequent exponential growth in property rates is obvious not only in metro cities.

According to analysts there is a growing realization among the

people that investment in the stock market, with its ups and downs has its own related problems whereas bank deposits and mutual funds are restrictive in returns. On the other hand, investing in real estate is a guarantee that the returns at the time of disposal will definitely be higher making it is a very safe mode of investment During the peak of the industry boom, realty prices not merely doubled but trebled. In last five years, both property prices and rental values have seen a considerable rise in almost all big and small cities and towns. A rise of at least 25-30% has been recorded in metros in both commercial and residential sectors. Residential sector seems to be a favourite with both property developers and property investors. Undeniably, after the recession blows, everyone wishes to play safe and is thus, engaged in taking learned decisions. According to real estate analysts, housing sector is bound to grow manifold in the coming years.

The demand for flats, apartments, villas, houses, etc. can never really die down in the wake of future developments especially in the industrial and infrastructure projects expected in India. It may be noted that property developers now prefer to invest higher amounts in residential spaces than commercial and retail as rental values of latter has been falling since the recession. Retail rents have dropped as much as housing rents have grown which is nearly 30 percent, according to surveys. All indications are that the boom in property sector, specifically housing is here to stay for a long period of time. The building up of independent houses, duplexes, multi-storied apartments, villas and the upcoming bed and breakfast facilities is going to bloom further. The Indian economy and the real estate sector in particular are high on its ride to prosperity. As India’s economic growth curve rises, real estate India has emerged as one of the most appealing investment areas for domestic as well as foreign investors. Indian real estate has huge potential demand in almost every sector, but especially commercial, residential, retail, industrial, hospitality, healthcare etc. But maximum growth is attributed to its growth from the booming IT sector, since an estimated 70 per cent of the new construction is for the IT sector. Investment scenario has certainly undergone a paradigm shift in India. Gone are the days when potential investors used to go after investment options like equity

bonds and park money in shares where your return ranges between 5.55 to 6%. Data showcased by property surveys show that returns from rental incomes on investment in commercial property in Indian metros, is around 10.5%, the highest in the world.

higher as retailers are prone to cyclical changes typical of a business cycle. Changing consumer behaviour combined with increasing disposable incomes will ensure further growth of the retail sector in India.

Some Key Factors

What’s in Store in 2015?

Selling and buying property in India is now considered as the most profitable and attractive business opportunity in the present real estate scenario. New demands have added to strength of real estate markets across the commercial, residential and retail sectors in India. Not surprisingly, demand for Indian property has been increasing steadily for the past few years and it has exceeded supply. There has also been an upward swing on the real estate price values in the recent years. Due to the huge demand and rising prices, investment and speculative interest in real estate is growing while excess money supply, stock market gains and policy changes are adding to the trend in favour of the real estate sector.

In the last one year alone, the capital values of the commercial office spaces has increased by up to 40% owing to the increase in the demand from IT or ITES and BPO sector across major metros in India. India has a distinct regulatory and financing management in place. Real estate boom in India is supported by its own flourishing economy on a sustainable basis. Here, growth of the property market is not a result of renovation and overhauling but because of the rapid development that Indian is witnessing.

Lower interest rates, easy availability of housing finance, burgeoning income and better job prospects, increase of nuclear families have given a boost to the demand for residential properties in India. The net yields on residential property are currently at 4-6% per annum. However, these investments have benefited from the improving residential capital values. As such, investors can count on potential capital gains to improve their overall returns. Capital values in the residential sector have risen by about 25-40% per annum in the last 2 years. The retail market in India has been growing due to increasing demand from retailers, higher disposable incomes and opening up of FDI in Retail. The capital appreciation in this sector is close to 20-35% per annum. However, the risks associated with this sector are

It’s appropriate in this context to have a look at what’s in store for the real estate sector in 2015. There is enough indications that residential plots are emerge as favourites during the current year. Unlike conventional market trends, residential plots are now gaining prominence amid property buyers. Buyers prefer to buy plots for attractive returns in the mid-to-long term horizon. This preference is mainly because of the fact that the investors are now considering upcoming smart cities, where apartment culture is yet to catch pace. Also for the development of these smart cities, smaller areas in the peripheries are being identified. As this concept is yet to take off in most areas, plots tend to have become a strong investment option. ‘Smart Cities’ is the latest buzzword and as such a lot of development will be seen in and around these cities. Survey findings indicates the growing interest of buyers towards these potential cities. It is interesting to note that about 32 per cent respondents to the surveys showed interest in upcoming smart cities for investment. While several cities have been proposed, few areas within the cities have also been identified. For instance, Electronic City in Bangalore and Bandra-Kurla Complex (BKC) in Mumbai. Moreover, since these pockets are expected to witness healthy realty growth in the coming years, individual investors are in a hurry to grab opportunities. South India will gain a lot of traction. Projects with over 1000 units or above are gaining ground in regions like Devanahalli and Hoskote in Bangalore and Old Mahabalipuram Road (OMR) and Grand Southern Trunk Road (GST) in Chennai.

Interestingly, these projects are situated on the outskirts of the city. While availability of enough vacant land mass is prompting developers to launch major residential projects in these pockets.

Lack of requisite social infrastructure provisions in the area is also fuelling demand for the large projects. A few such projects can be spotted in north India as well. The recent initiative by the

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government to develop various regions as heritage cities will also lead to high realty growth in those cities in the times to come.

The cities being considered in the 1st phase of this development include: Madhura, Amritsar, Ajmer, Varanasi, Velankani, Kanchipuram and Gaya. The second phase will include cities such as Puri, Tirupati, Allahabad, Ujjain, Hampi, Rishikesh and Lucknow.

While cities like Varanasi, Rishikesh and Lucknow are already seeing considerable realty growth, other cities are likely to join the bandwagon soon. Industrial corridors to boost infrastructure growth in hinterland cities falling along the major industrial corridors are also expected to see immense growth in the coming years. As each corridor passes through various existing industrial clusters, towns and cities, these are likely to become investment hubs. Thus, once completed, the real estate growth at India’s hinterlands, connected via these corridors, will be exponential.

Affordable housing has become the talk of town ever since ruling party, in their manifesto, promised ‘housing for all’ by 2022. Post the budget, that opened a jackpot for affordable housing with a mammoth budget of Rs 4,000 crore and tax incentives for home loans, the mission got another facelift. In July 2014, RBI also tweaked the definition of affordable houses. As per the changed norms, home loans up to Rs 50,00,000 in metropolitan cities and Rs 40,00,000 in non-metro cities will now come under the purview of affordable housing. Moreover, RBI accorded the infrastructure status for affordable housing projects. The National Capital Region (NCR) also holds the promise to be a key role in boosting India’s real estate business in the coming years. For example, Faridabad and even greater Faridabad is expected to be among the next real estate hotspots in NCR due to the robust connectivity they have with Noida, Gurgaon, Greater Noida and Delhi. Greater Faridabad is a newly formed residential and industrial part of the city, and is being developed as a self-sustained sub-city, with malls, wide roads, tall buildings, commercial centres and educational institutions. There are plans of extending the Delhi metro to the city to ease travel between Faridabad and Delhi. Another latest trend is that about 50% buyers prefer regular amenities to ultraluxurious ones. For instance more than 85% of the projects in south India prefer play area. In Western part of the country, 208 dream makers

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security, power back-up, garden, play area, gym and intercom were the most preferred amenities. Research also suggests that in Northern part, buyers are drawn towards open spaces. Having said this, if we analyse the pan-India scenario, then more buyers prefer to have basic amenities rather than the earlier trend wherein buyers took fancy to extravagant amenities.

Smaller property sizes are now taking precedence over larger units across the metros. Large swanky homes that are huge on maintenance are no longer an attraction for several metropolitan buyers. Recent surveys reveal that maximum people preferred property sized 800-1,200 sq. ft. Moreover, understanding the affordability aspect of the prospective buyers, builders are also launching properties that are smaller in size but fall well within the budget of the home buyer. Increased demand for ready-tomove-in properties is another major trend that was noticed in 2014 and is likely to continue in 2015 as well. Inordinate construction delay has pushed demand for ready-to-move-in projects significantly, primarily due to the increasing pressure of EMI plus rental values. Real Estate Investment Trusts (REITs), commercial real estate is expected to be the next big thing in 2015. As the sector is reeling through an acute funding pressure, this initiative will give a much-needed fillip to the sector. REITs will act as the investment vehicle between investors and developers. With FDI in construction becoming a reality, the year 2015 will see the return of real estate investors. With no threeyear lock-in period, the major hurdle for the overseas investors is removed. Thus, now an investor can exit once the project is completed or after the complete trunk infrastructure development. Meanwhile, considerable increase has been recorded in the availability of resale properties. Bangalore tops the chart with availability of nearly 60 per cent of the overall supply, followed by Pune with 36 per cent and Chennai with 31 per cent. Similar trend was noticed in National Capital Region and Mumbai Metropolitan Region, where again there was ample availability of resale properties. With sky-rocketing property values at the city centre, the development in Pune is seen to be moving towards peripheries.

Research indicates that maximum absorption of units launched in 2014 was seen towards the peripheral areas as against localities within city limits. This was quite contrary to the conventional trends witnessed in other metros. The areas with maximum absorption over the year included Alandi, Punawale and Pirangut.

The key reason for this high absorption here could be the affordable property prices in the localities. In addition, Alandi and Punawale are also potential growth pockets that have been earmarked for future industrial development. Thus, it would be interesting to see how realty development in these areas shape up in the coming year. It is a fact that improved connectivity leads to the realty growth of the area. There are several examples where the inception of metro has led to the rise in the capital values.

This is the case with many cities like Delhi, Chennai, Bangalore and of late Kochi.

situation where mortgage interest rates are lower, getting a loan will also is easier so you can see lots of people vying this as an opportunity to get a loan.

Knowing the Real Estate Market

The Real Estate Market Analysis is a tool people use in order to know the market they already belong or would belong in the future. Real Estate Market Analysis is one of the important steps before developing a marketing atmosphere. As a first step one should gather information about the market through different online surveys, focus groups and every possible relevant sources.

A good market analysis would surely include information on the real estate trends, full assessment of Real estate companies, their strategies and a relevant data about potential real estate buyers and sellers. According to Frost and Sullivan’s Survey, Indian IT sector is under pressure from Chinese and other upcoming potential outsourcing hubs of the world. The survey suggests that India’s lead over China in outsourcing is narrowing. The reasons that were cited by the research firm are Poor Infrastructure, High attrition rates, Sky rocketing wages of IT workers. According to the survey, India was the top hub, followed by China, Ireland, Singapore, Malaysia, Mexico, the Czech Republic, Poland, the Philippines and Canada. The survey reviewed some 300 multinational firms in seven sectors: financial services, technology, health care, fast-growing consumer goods, transportation, energy, and media and entertainment. When respondents were asked to choose their top three outsourcing

Real estate market has its own specific properties or characteristics and you should be aware of them before making investment. The first aspect to be noted is the market value of a property. This can be found out from listings that show the latest real estate market values in the neighbourhood where you wish to make a purchase or a sale transaction. The next most important aspect is to find out the current trends in real estate. Is the real estate market hot or cold? You need to understand the real estate climate to figure out how well you can do with your transaction.

At times, the real estate market will favour buyers at time it will favours sellers. Taking an example here, when there are more job opportunities in an area, more people will want to relocate and hence the demand for real estate will be high and hence you can appreciate property value to increase. This means selling property and making a good profit from the sale is something you can comfortably do at such times.

Seller market: This is a situation wherein there is a more demand for homes than there is a supply for them. This means seller will get a good price in sale. Sometime home are put up for sale at prices well over their normal level. Reasons for this situation are more employment opportunities and lower interest rates. In a 210 dream makers

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Buyer’s market: In a buyer’s market, the price of real estate is low and a buyer does not have to spend so much money in getting a decent property. This situation happens when the interest rates are high and there are more homes available for sale than homes required. Job loss as a result of a company closing down and moving elsewhere can also create a lot of sellers trying to sell of their home to move to other areas in which they can put their skills and qualifications to use. This is more of a depressed real estate market, but one that benefits the buyer. At such time a buyer can state their price and get an assent from the seller for this as the seller is more interested in selling off the property and realizing money from the sale.

hubs, India scored 2.25, China 1.76 and Ireland 0.77.Although India is churning out more than 3 million graduates every year, demand for experienced professionals in India is outpacing supply, leading to attrition levels of up to 40 percent or higher, especially in the Information Technology sector. Due to this gap, other upcoming outsourcing countries are looking to grab the share of consolidating Indian outsourcing market.

Kerala Beckons for your Dream Homes With a host of must see global destinations the South Indian state of Kerala is considered to be the ideal place to set up your dream homes and “live happily forever”. Its natural lush green settings and scenic landscape. Over the last few years, tourism has been peaking in Kerala and as such it has had a direct bearing on its economy and other related industries like the hospitality and real estate sectors. The large scale tourism-enhancing activities that are being undertaken in Kerala, have been attracting the attention and interest of many real estate companies to invest in the State in order to cater to the accommodation needs of the tourists on a larger scale. Owing to its world renowned status, Kerala is expected to provide the best of real estate services to the prospective clients. Several well-reckoned as well as upcoming real estate firms in Kerala have been vying with one another to offer their clients the best of properties comprising luxury or budget hotels, resorts and home stays as well as apartments, villas and independent houses in ideal locations, and the most feasible land transactions along with a host of other quality services.

In a similar manner, the IT sector boom in the state especially in the rapidly expanding Kochi and Thiruvananthapuram cities and their suburbs has also paved way for the setting up of IT parks with state-of-the-art buildings and hi-tech campuses, thus enhancing the scope of the real estate scenario in Kerala. Besides, developments such as the growing business at the Kochi, Thiruvananthapuram and Kozhikode international airports and the setting up of the International Container Transhipment Terminal at Kochi have brightened the prospects of the real estate scene in the State. As part of the latest trends in the industry, religious tourism has been a motivating factor in the realty boom 212 dream makers

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seen in the famous holy centres of Kerala such as Guruvayoor township. Kerala’s moderate climate, tropical geography with hills and valleys, backwaters, palm fringed shores and vast coastline, one of the very best international connectivity and its multicultural ambience has been attracting real estate investors to the state in a big way. Massive investments from numerous clients both domestic and multi-national are pouring into the state’s real estate sector for the last few decades. Even in the face of the lingering economic slowdown the real estate business never lost it heat notwithstanding the brief interludes of dullness. With the State Government also implementing new ways to attract more FDI’s in the form of real estate investments, the realtors of Kerala are playing a pivotal role in mobilizing the movements of potential clients across Kerala. The facilitation of such a move has encouraged a lot of other realtors outside Kerala to take a keen interest in unleashing the state’s potential in terms of real estate.

According to a recent survey, more than 45% of the surveyed people were found to have a preference to own a property in Kerala. The concept of affordable homes and green buildings are catching up in Kerala in the backdrop of growing concerns about global warming. The climate change causing concern at the global level, the fuel-efficient ‘green building concept’ using available resources has been catching on in the State of late. There is a growing realization among both builders and customers about taking care of the environment while building a dream home or commercial space in the state. With easy access to home loans and other beneficial schemes offered by banks and private institutions, the budgets and expectations of the masses are rising. The real estate companies are driven by a common motive of providing excellent and affordable residential, commercial and industrial properties to the public. They are found to be taking effective measures so as to retain their existing clientele as well as to increase the number of customers. The real estate firms and developers have understood the importance of offering exclusive, valuable services in this field, as the competition is getting tougher. With the spreading of a global culture due to the arrival of joint venture companies and multi-national firms

bringing with them their high technology standards in construction and infrastructure, Keralites have become more aware of quality and cost effectiveness. Builders in Kerala have geared up to offer exclusive to Keralites. The upcoming luxury apartments in Kerala will feature an array of amenities including covered exclusive parking, landscaped garden, health club, highspeed lifts, and swimming pool. Apart from this, the focus is also concentrated on the quality construction. The new residential complexes are built using the best available raw materials and most of them have modular kitchen, granite flooring and decent bathroom accessories. The arrival of event management companies and booming industrial sectors of Kerala have played a pivotal role in changing the commercial real estate scenario of the state, which is on constant rise. Investments in Kerala real estate promise high returns in the wake of upcoming constructions. Kerala, emerging as one of the progressive states thus beckons the prospective investors from all walks of life. All the major national builder brands are competing in Kerala’s real estate sector with the result that prices of residential property are increasing. When visiting Indian sub-continent, Kerala has always been the tourist’s choice. Its rich cultural heritage and the natural beauty make it one of the ideal tourist destinations in India. Invariably every district of the State has array of tourist attractions. Alappuzha with serpentine back water stretches, Kochi with its heritage sites like Fort Kochi, Kollam with its fishing hamlets, Kozhikode with its beaches and cultural diversity, Palakkad with its paddy fields and wild life resorts, Idukki with its misty mountains and spice plantations and Thiruvananthapuram with its vestiges of the royal past are enchanting places that offer mesmerizing sightseeing in Kerala. In the earlier days, Keralites were reluctant to move to apartments. They preferred to own a plot of land and build a house in what they could claim as their own soil. This trend has changed considerably in the recent times.

Several factors have contributed to this fast-changing trend, the growth of nuclear families being one of them. Moreover, with both the couples in such families working, keeping the children at a safe place becomes a priority. People have now realized the importance of living in apartments. “Better lifestyle” is what the

builders are using as a common punch line to promote their services. With home loans available without any strings attached, even reasonably employed persons can avail of these low-interest loans to buy an apartment or build a house of their own. Today’s generation of Keralaites are quite different from their ancestors and now they want to live in style. Western life style including food and dress habits are taking the young generation by storm. Most of them are well placed in IT companies and earn good money from very young age. They are on a major category who invest in their early life in real estate. Taking a definite cue from this scenario, property developers are vying with each other to develop Kerala real estate on par with world standards by bringing several innovations. As a result, most of the real estate developers in Kerala have categorized their products like budget, luxury and premium.

What the Future Holds for Real Estate in Kerala Looking up the trend is positive with all the builders launching new projects and announcing new projects in several parts of the state especially in cities like Thiruvananthapuram, Kochi, Kozhikode, Kottayam and Thrissur. Construction of residential properties in Kerala gained momentum only in the past few years and the present growth in the residential reality sector is around 25% which certainly is an indicator of the demand by people seeking accommodation in the cities. The real estate segment in Kerala has grown with the growth of the IT sector which has generated a group of professionals with disposable income to possess costly apartments . The average size of the apartment and quality of construction and facilities offered in Kerala are far higher than those in the rest of the states in India. For an average buyer the cost of an apartment is high on the agenda. The builders in Kerala should realise this major concern of an investor and think of affordable housing for the middle class . For the rich and NRIs a flat in the city is a second home. The growth of the real estate segment is due to the combination of various factors such as an investment opportunity of surplus funds, safety, security, comfort, facilities, nearness to hospitals, schools and colleges, work place and so on. The village population is slowly migrating to major cities resulting in the vertical growth of residential units.

All these pave way for the steady growth of real estate industry in Kerala. With the growth of residential units comes the requirement of commercial complexes and the trend is already set in the major cities. The increase in the fair price of land has not affected the real estate business as even the revised price is less than 25% of the market price of land. Again the undivided share of land per apartment being less than a cent has not affected the overall price of an apartment. The government should try to support the real estate sector by providing infrastructure facilities like road, water, drainage facilities etc. The industry should also be subject to strict control by the monitoring authority of the government to protect the interest of large number of investors.

The cities are certainly going to witness growth of residential and commercial complexes side by side especially with the completion of mass transportation infrastructure like metro rail in Kochi and similar arrangements in Trivandrum and Calicut .

The Booming Kochi Kochi can genuinely be described as the most happening place as far as real estate development is concerned. Located on the coast of Arabian Sea, Kochi is the commercial and industrial capital of Kerala. The Ernakulam district has a population of 30,98,378 residing within 2408 square kilometre area. With the coming up of more new projects, the population in the city is bound to rise further. The centre of trade since time immemorial, sharing trade relations with Chinese, Arabs, Dutch, British and Portuguese, Kochi in the recent times has witnessed a flourishing business boom. The impact reflects in several sectors including the real estate. The flourishing IT and ITES sector is a major reason for the real estate boom in Kochi. Infopark, VSNL’s primary international gateway in India, Cochin Special Economic Zone (CSEZ), Kinfra Export Promotion Industrial Park, CUSAT, Kochi Refineries Limited, BPCL, Cochin Shipyard, Cochin Port Trust, FACT, HMT and NPOL are some of the organizations that have contributed to the real estate growth in Kochi. The upcoming Smart City, a biotechnology park, and the already functional Vallarpadam International Container Transhipment Terminal and

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LNG Terminal have also been contributing to the boom. Property rates are on an all-time high, be it a plot of land, apartment, villa or independent house. The Marine Drive, Kadavanthra, Panampilly Nagar, Edappally, Thevara and Kakkanad are some of the prime locations in the state that have emerged as the hottest in terms of both demand and value. A multitude of residential projects are already on the development track in all these places.

With the Kochi Metro is on an advanced stage, real estate scene is likely to become hotter and hotter in the coming days. Investors have started making a grab for plots in close proximity to the metro route, railway lines and bypasses. Kakkanad, Panampilly Nagar and Marine Drive are the prime locations in Kochi followed

by Thevara, Vytilla, Kaloor, Palarivattom and Thripunithura. Land rates are highest in Marine Drive and MG Road, depending on the exact location of the plot. The apartment rates vary largely depending on the facilities offered apart from the location of the apartment. The extra facilities range from swimming pool, children’s play area, roof garden party area, private boat jetty, clubhouse with indoor recreation facilities, health club, EPABX system with intercom, 24-hour security, water and power, modern waste disposal system, sophisticated fire safety devices, centralised gas supply, to name a few. Property location, shape, purpose it’s suitable for commercial or residential, neighbourhood, road access and water accessibility play a major role in deciding the value of land. There is resurgence in the demand for large apartment complexes. The demand is mainly from NRI returnees, employees of IT, the demand for large apartment complexes has exceeded supply. There are a number of projects under way by the major builders and, as they point out, most of them have already been sold out. Many people who buy apartments also own a house or apartment in the city. For them, it is an investment. Buying an apartment is considered a better option than going for rent. Rentals have gone up due to the scarcity of accommodation in Kochi. With home loans coming at low-interest rates, repaying the loans in several years is better option than giving a larger sum for rental. Currently, over 50-60 apartment projects are at various stages of construction to cater

to the needs of the city within a few years time. Meanwhile the mall culture has already taken the Kochi by storm, changing the very face of the commercial market. Lulu Mall in Edappally, Oberon Mall and Gold Souk in the Edappally-Aroor bypass, Centre Square in MG Road, Nucleus Mall in Maradu are the leading malls doing good business these days. The proposed Dubai Internet City is likely to provide 2.3 million sq ft of IT space. This is in addition to the 7 lakh sq ft proposed by Leela Group and 27,631 square meter of space offered by Technopolis, a project by Muthoot Pappachan Group. Kochi Metro, the 25-km long stretch between Aluva and Petta would link important junctions, is a promising corridor for the growth of real estate in Kochi. While convenient transport is the agenda, real estate is banking upon locations along the stretch.

Property prices have already been on the rise.

Vibrant Thiruvananthapuram Once a bureaucrats haven, Thiruvananthapuram today is fast emerging as a vibrant most modern metropolis, thanks mainly to the IT complexes, residential complexes, tourism resorts and the advent of the flat culture. As per statistics available, next ten years will see huge appreciation in reality in Thiruvananthapuram, so this is the time and destination to invest in. Major infrastructure projects like V izhinjam port and monorail and other developments like Technocity and Biotechnology park which will generate huge employment opportunities are all set to boost prospects for real estate appreciation in and around the city.

Residential rentals in prime areas could go in the range of 25000 plus in prime areas which is more than what an investment in Kochi would give. The proposed Vizhinjam Container Trans Ship Terminal for which the tender process is on is certain to add fuel to the real estate boom of the capital city. Since the announcement came in early December 2013 for the Rs. 4000 crore transhipment terminal at Vizhinjam, there has been a keen sense of interest in the real estate market. If everything goes as per plan and the Vizhinjam sea port begins operations in 2018, the Thiruvananthapuram economy will see a major uptick with increase in number of industries, service companies, jobs and eventually see an acceleration in real estate prices. This huge 218 dream makers

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investment is sure to give the real estate sector a major boost in Thiruvananthapuram with prices likely to appreciate in excess of 30% in the next few years. Villas are likely to see tremendous demand in the coming year compared to apartments in Thiruvananthapuram according to recent surveys. With the price points that are affordable for villas at the moment, if one can approach the market prudently and choose the right project with help from experts you might end up with a good deal. 2015 might end up being a defining year for the villa developers in Thiruvananthapuram. While Kochi may be the real estate hub of Kerala and commands a major volume of business, Thiruvananthapuram, the capital city has seen some action over the past few years. Unlike Kochi where there has been a saturation in the recent past, Thiruvananthapuram is a growing market with a steady growth of 15% annually. According to market analysts realty business in Thiruvananthapuram has clocked a cumulative growth of around 50 to 60% over the last five years. Today the realty market is in high demand due to smallish nature of the city with just about 5 square kilometer in radius. This means an increase in the number of high rises and also high end properties which have a Rs one crore plus price tag but also offer great amenities and imported fittings.

The Fever is Spreading In Thrissur town, the cultural capital of Kerala, the real estate scenario continues to be bright with some corrections in land prices. In Palakkad district the boom is still evident mainly in Ottappalam, Pattambi and Mannarkkad areas. The Malabar region is also now all set to become one of the most happening regions of the state thanks to a host of developmental initiatives like the Kannur Airport, the CyberPark project and an assortment of tourism related ventures. The most ambitious among these is of course the Greenfield airport project named Kannur International Airport coming up close to Mattannur in Kannur district. It is certain that the airport will go a long way in promoting a wide range of commercial, trade and industrial activities that can add fuel to the real estate boom in the region. It is also expected that the project will help the transformation of the North Malabar

region into a highly developed growth centre for travel, tourism and industries. The airport is expected to have an annual traffic of more than 1 million international passengers and above 0.3 million domestic passengers as per 2009-2010 estimate. Yet another ambitious project that will give a major facelift to the region is the coming up UL CyberPark at a 25-acre site. This will be the first IT Special Economic Zone in the Malabar region with an estimated investment of Rs 600 crore. As per Government’s plans, the entire development of IT infrastructure in the Malabar region will be under the CyberPark umbrella. With jungle tourism continues to be popular, the forest rich Wayanad district is also has its own due share of the real estate boom. In the back water rich Alappuzha district, the boom is fast spreading in the water front areas of Thuravoor, Chemmanadu and Cherthala lying on the side of the National Highway. In the rubber rich Kottyam district the boom is mainly centered on plantations. With the rubber prices have started touching dizzy heights of late the real estate deals of rubber plantations are also in full swing.

Resurgence of Vaasthu Vaasthu sasthra, the ancient Indian science of construction has of late become highly popular among builders, architects and the general public. In fact this ancient science claims the wisdom of ages. The ancient architectural marvels like temples, churches and other monuments which have survived the time and tides were all built according to prescriptions of Vaasthu. Vaasthu sasthra deals with the architectural and engineering needs of any structure. The word Vaasthu according to experts has its origin in the vedic period. In a more elaborate sense, Vaasthu sasthra means the science of all matter and energy and time and space in the universe and its use of creating dwellings, temples, forts, monumental structures and even vehicles. Ignoring the principles of Vaasthu is stated to cause serious adverse consequences for the health and wealth and even lives of the occupants of the particular structure while a building built perfectly according to Vaasthu is stated to bring good fortune, well being and good health to the occupants. It is claimed that the science of Vaasthu is not superstitious, but is rational and scientific.

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find your dream makers Mather Projects Pvt. Ltd. Rajaji Road, Cochin - 682 035 Kerala, India Ph: +91 484 4114444 Mob: +91 98950 11111 Fax: +91 484 2352488 Email: info@matherprojects.com Web: www.matherprojects.com Mather Projects is the realty wing of the Mather Group, which was incorporated in 1942. The Group has interests in housing, hospitality, engineering and education. Mather Projects began in a modest way undertaking individual projects. Today, it is a full-fledged housing company, synonymous with lifestyle housing in the state. With 20 projects completed and many more ongoing in under a decade, Mather today has cemented its position as the leading builder in Cochin, creating the homes customers most aspire to own. Mather, which has a customer base of over 2000, has built over 50 lakh sq.ft to date. Projects are usually located in the elitest residential areas, central locations or in scenic settings such as the waterfront. Luxury and aesthetics are Mather’s forte.

With each project, it reinvents design. Clean, minimalistic and contemporary finishes are given preference. The result is understated elegance that is trendy without being ostentatious.

Mather focuses on beautiful finishes; be it for the interiors of an apartment, or for its common areas. By using international designer brands and design concepts Mather has quietly effected a lifestyle revolution in Kerala. Common areas are beautifully laid out, landscaped and lit. Homes are spacious and airy, displaying the quality that comes from using only the best materials. Mather homes are all about luxury. In fact, the company recently launched its Platinum Range of homes which offers apartments and villas where no luxury will be spared. It has been created exclusively for the well traveled home owner, who appreciates the quality of a well made product and the effort that goes into creating something rare and signature. With numerous celebrities buying

Mather homes, and sold out projects continuing to appreciate in value, there is no doubt that Mather has managed to capture the imagination of the people.

Nikunjam Constructions Pvt Ltd Indraprastham, T.C.4/2554 (3) Pattom-Kowdiar Road Thiruvananthapuram- 695 004 Ph: +91 471 2436175, 2436173 Email: indraprastham@asianetindia.com Web: www.nikunjambuilders.com Nikunjam Constructions Pvt. Ltd, incorporated in 1999 as a Private Limited Company, is rated as one of the leading builders of Apartments, Villas and Commercial properties in Kerala. The company has completed more than 1800 apartments and independent villas in more than 28 projects with a total built up area of more than 4 million square feet. Nikunjam Projects are rated among best in apartment lay out, uncompromising quality on materials and construction, quality fittings, superior finishes etc. The company was promoted by Mr. S. Krishna Kumar, Managing Director who is an Engineer by profession and had served ISRO for more than 14 years. The company’s operation is managed by professionals with vast experience in Construction / Building industry. The company is accredited with ISO-9001-2008 Certification by Intertek Certifications Ltd. The completed commercial properties include Nikunjam City Square (Pothys) at M.G. Road, the biggest mall in Trivandrum, ‘Nikunjam Sarass’ at Pattom Junction and Nikunjam at Panampally Nagar, Cochin.

‘Nikunjam I Park’ located at Kazhakuttam, a 36 storied apartment project, housing 138 Nos 2/3/4 Bed Apartments including duplexes with an infinity swimming Pool on the 28 th floor recently completed is a land mark project in the state of Kerala.

The ongoing project include Nikunjam Palm Grove near World Market, Nikunjam Rialto near Medical College, Nikunjam Meridian at Jagathy, and The Senate Suites at Thampanoor.

Nikunjam has ownership of land at various strategic locations in Trivandrum City limits for the launch of Apartments, Villas and Commercial complexes.

Sobha Limited ‘Sobha City’ Puzhakkal Post Guruvayoor Road Thrissur - 680 553 Tel: +91 487 2389770, 2389771 Fax: +91 487 2389773 Email: sls.sobhacity@sobha.com Web: www.sobhacity.co.in Projects by Sobha Ltd, India’s ‘Most Admired Real Estate Company’ and one its leading construction conglomerate with a prestigious spread across the country, have one distinguishing feature – the precedents they set when it comes to offering world class living options in Kerala. Like its first project in Kerala - Sobha City, which is Kerala’s largest and one of India’s most innovative and meticulously planned, self contained residential enclaves spread over 55 acres, having the first of its kind a man-made 6.5 acre lake. Its second project - Sobha Bela Encosta super luxury plus villas in Kozhikode is inspired by Portuguese architecture as a tribute to the city’s heritage. Set on a beautiful hillside, it offers 110 villas in 25 acres with units ranging from 3600 to 5800 sq. ft. The third project – Sobha Isle in Kochi, is the first island homes designed to give an exclusive lifestyle right in the heart of the city at Vyttila. Consisting of three towers and a host of amenities, this project offers an unmatched combination of an idyllic setting and a prime, central location. Sobha Rio Vista super luxury riverside apartments is the fourth project that is coming in Feroke, Kozhikode. It has over 70% open spaces and commands an outstanding view all around. All the projects have feature rich facilities like clubhouses to provide comfort and luxury. Promoted by Sobha Limited, winner of 140 awards for quality, customer centric approach, robust engineering, inhouse research, uncompromising business ethics and transparency in all spheres of business conduct, these projects offer home seekers just what they are looking for – exceptional homes by an exceptional builder.

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find your dream makers | ernakulam Abad Builders Abad Plaza Complex, M.G. Road Cochin - 682 035, Tel: +91 484 3294953, 2381122 Fax: +91 484 2384378, Web: www.abadbuilders.com AC City Projects Pvt. Ltd. Sana Complex, M.V. Road, Palarivattom Kochi - 682 025 Tel: +91 484 2341719, 3296647 Fax: +91 484 2347592 Email: mail@accity.in, Web: www.accity.in ACE Homes 1/B, Nimbus Apartments Nivya Nagar, Kaloor Kochi - 682 017 Tel: +91 484 6452009 Email: mathew@acecorporation.in Web:www.acecorporation.in Almark Housing Co. Pvt. Ltd. Santhi Homes, IInd Floor, Main Avenue Panampilly Nagar, Kochi - 682 036 Tel: +91 484 2312903, 3237876 Email: mail@santhihomes.com Web:www.santhihomes.com Ambady Constructions Ambady’s Panthyil Towers Warriam Road Kochi - 682 016 Tel: +91 484 2372331, 2361870 Email: krishnanambady@gmail.com, Web: www.ambadyconstructions.com Anna Properties Appasserry Buildings, INTUC Junction Nettur, Kochi, Tel: +91 484 6465843 Email: info@annaproperty.com Web: www.annaproperty.com 222 dream makers

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Ansal Buildwell Ltd. Ansals, Riverdale, Eroor.P.O, Kochi - 682 306 Tel: +91 484 6517340, 6510340 Fax: +91 484 2774586 Email: ansal@bsnl.net Web: www.ansalgroup.com Asset Homes Pvt. Ltd. No: 4, Anchorage, Palliyil Lane Off. Fore Shore Road, Kochi-682 016 Tel: +91 484 6456474 Email: mail@assethomes.in Web: www.assethomes.in Bavasons Constructions Pvt. Ltd. VBM Bava Chambers, Paramara Road, Kochi - 682 018.

Tel: +91 484 2390407, 2393163, Fax: +91 484 2391193 Email: bavasons@satyam.net.in Web: www.bavasonsconstruction.com BCG Builders BCG Estates,NH-Bypass, Kochi – 682 025 Tel: +91 484 2535085, 2535086 Email: info@bcgbuilders.com Web: www.bcgbuilders.com Chakolas Habitat Pvt Ltd Willingdon Enclave, Thevara Ferry Road Kochi – 682 013 Tel: +91 484 2663113, Fax: +91 484 4044056 Email: marketing@chakolashabitat.net Web: www.chakolashabitat.net Cherian Varkey Construction Co. Pvt. Ltd. 5th Floor, Alpha Plaza K.P. Vallon Road, Kadavanthara Cochin - 682 020 Tel: +91 484 2319845, 2313628 Fax: +91 484 2312461 Email: info.housing@cherianvarkey.com Web: www.cherianvarkey.com

Clearway Builders Pvt. Ltd. Seema One Bldg., Sreekandath Road Ravipuram, Kochi - 682 016 Tel: +91 484 2366554, 2366774 Fax: +91 484 2366554, 2366774 Email: clearwaybuilders@hotmail.com Web: www.clearwaybuilder.com Confident Group 868/2, S.A Road, Vyttila Kochi-682 019 Tel: +91 484 4093333 E-mail: directorkochi@confident-group.com Web: www.confident-group.com Desai Homes 40/7669, C40, Market Road Kochi - 682 011 Tel: +91 484 2365595, 2365746, 2363786 Email: desaihomes@eth.net Web: www.desaihomes.com DLF Home Developers PDR Bhavan, Palliyil Lane Foreshore Road Kochi - 682 016 Tel: +91 484 4042100, 4042111 Web: www.dlf.in

Galaxy Homes Pvt. Ltd. Kaloor, Cochin Kerala - 682 017 Ph: + 91 484 2539311, 2530344 Email: galaxyhomes@asianetindia.com Web: www.galaxyhomes.com Gokulam Engineers India Pvt. Ltd. Anjam Apartment Chittoor Road Kochi - 682 011 Ph: +91 484 2352666, 2351603 Fax: +91 484 2384084 Email: mail@gokulam.com Web: www.gokulam.com Heavenly Homes Pvt. Ltd. 5D, 5th Floor Oxford Business Centre Sreekandath Road Ravipuram, Kochi - 682 016 Tel: +91 484 2368075, 4028301 Email: heavenlyhomes@sify.com Web: www.heavenlyhomeskerala.com

Dewa Projects Pvt. Ltd Near Goshree Bridge Cochin - 682 018, Tel: 0484 2753000 Web: www.dewapier20.com

Heera Construction Company Pvt. Ltd. National Residency Bank Junction Edapally, Kochi-25 Ph: +91 484 2346484, 2346485 E-mail: heerakochi@heeragroup.com Web: www.heeragroup.com

Earthspace 40/406 E, 4th Floor, Beejay Towers Rajaji Road, Kochi - 35 Tel: +91 484 4031550 / 551 Email: sales.earthspace@gmail.com Web: www.earthspace.in

Holiday Projects Kerala Pvt. Ltd. Holiday House, 32/2379 B NH Bypass, Kochi-32 Tel: +91 484 2808885, 3294447 E-mail: marketing@holidaygroup.in Web: www.holiday.in

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Holy Faith Builders & Developers Pvt. Ltd. 34/2353, Mamangalam, Kochi - 682 025 Tel: + 91 484 2340330, 2340411 Email: mail@holyfaith.net Web: www.holyfaith.net Infra Housing Pvt. Ltd. I st Floor, C.L.S. Building M.G. Road , Kochi - 682 011 Tel: +91 484 2363333 Fax: +91 484 2370261 Email: sales@infrahousing.com Web: www.infrahousing.com Jain Housing Constructions Ltd. G - 361, Panampilly Nagar, Kochi - 682 036 Tel: +91 484 2316111, 2320333 Email: cochin@jainhousing.com Web: www.jainhousing.com Jairaj Projects XXXIV/138E, Knowell Jairaj NH By-pass, Edappally, Kochi - 24 Tel: +91 484 2807400 Email: jairajmd@vsnl.com Web: www.jairajbuilders.com

Kalpaka Builders Pvt. Ltd. Casagrante Building Deshabhimani Junction Kaloor, Kochi - 682 017 Ph: +91 484 4074444 Fax: +91 484 2338474 Email: sales@kalpakabuilders.com Web: www.kalpakabuilders.com Kent Homes Lily’s Towers Palarivattom Kochi - 682 025 Ph: +91 484 3298787, 3268787 Email: kentcoindia@hotmail.com Web: www.kentcoindia.com KGL Builders Pvt. Ltd. 5th Floor Lalan Towers Banerjee Road Kochi-682 031 Tel: +91 484 3919333, 3919444 Email: kglbuilders@yahoo.com Web: www.kglbuilders.com

Jewel Homes Pvt. Ltd. Casagrante Building Deshabhimani Jn, Kochi - 17 Tel: +91 484 2335315, 2348856 Email: jewel@satyam.net.in Web: www.jewelhomes.net

KP Varkey & VS Builders Golden Heaven Apartments Moolepadam Road Vazhakala, Cochin-682030 Tel: +91 484 4011018 Email: sales@kpvandvs.in Web: www.kpvandvs.in

Jomer Properties & Investments Pvt. Ltd. Jomer Arcade, Chittoor Road Kochi - 682 016 Tel: +91 484 2376027, 2376028 Email: marketing@jomerproperties.com Web: www.jomerproperties.com

Kristal Group Chimney Buildings, Opp: IBP Petrol Pump Toll Junction, Edapally-24 Tel: +91 484 2544607, 2544608 Email: kristalkochi@kristalgroup.com Web: www.kristalgroup.com

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Kunnel Engineers and Contractors Pvt. Ltd. Mareena Buildings Ravipuram Kochi- 682 016 Tel: +91 484 2359680 Email: kunnel@md3.vsnl.net.in Web: www.kunnel.com Madhurya Builders Pvt Ltd Shiva Temple Road Thottakkattukara Aluva-683 108 Tel: +91 484 6450164, 9249576760 Email: madhuryabuilders@vsnl.net Web: www.madhuryabuilders.com Manadath Homes Pvt Ltd Rail Road Near Bank Junction Aluva-683 101 Ph:+91 484 4063638, 6504076 Email: info@manadathhomes.com Web: www. manadathhomes.com Manjooran Housing Pvt. Ltd. Mamangalam Kochi - 682 025 Tel: +91 484 2345617 Fax: +91 484 4054865 Email: sales@manjooran.com Web: www.manjooran.com Mather Projects and Constructions Ltd. Rajaji Road Cochin - 682 035 Kerala, India Ph: +91 484 2352074, 4114444 Fax: +91 484 2352488 Email: info@matherprojects.com Web: www.matherprojects.com

Meera Homes 19/44, First & Second Floor Hill Road, Aluva-683 101 Ph: +91 484 4058809 Email: sales.meerahomes@gmail.com Web: www.meerahomes.com Meridian Homes 3rd Floor, Vallamattam Estate Ravipuram M.G. Road Kochi-682 015 Tel: +91 484 2383795 Email: meridianindia@eth.net Web: www.meridianindia.com MIR Realtors Pvt. Ltd Corporate Office Door No: 41/2073 D Kalabhavan Road Ekm North Kochi-682 018 Tel: 0484 4128444 Email: info@mirrealtors.in Web: www.mirrealtors.in Motif Builders & Developers Pvt Ltd Hayath Tower Near Juma Masjid Padamukal, Kakkanad Tel: +91 484 4052777 Email: gm@motifbuilders.com Web: www.motifbuilders.com Nagarjuna Constructions Company Ltd. G-183, Panampilly Nagar Kochi - 682 036 Tel: +91 484 2324721, 2319214 Email: ncckochi@vsnl.net Web: www.nagarjunaproperties.com

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Nagpal Builders NH Bypass Palarivattom Kochi - 682 028 Tel: +91 484 6599550, 2803330 Email: marketing@nagpalbuilders.in Web: www.nagpalbuilders.in

Oxoniya Builders Pvt Ltd Elizabeth Enclave Desabhimani Road Kaloor, Kochi-17 Tel: +91 484 4060501 Email: oxoniyabuilders@gmail.com Web: oxoniyabuilders.com

National Builders and Developers Sunny Housing (India) Pvt. Ltd. Mamangalam Kochi - 682 024 Tel: +91 484 2340781 Fax: +91 484 2330047 Email: sunnybuilders@vsnl.net Web: www.sunnybuilders.org

Puravankara Projects Ltd. Panampilly Avenue Kochi - 682 036.

Tel: +91 484 2310055 Fax: +91 484 2319904 Email: saleskochi@puravankara.com Web: www.puravankara.com

Nest Infratech Compass, NH - 47 Bypass Chakkaraparambu Cochin - 682 032 Ph: +91 484 4477555 Email: info@nestinfratech.com Web: www.nestinfratech.com Oceanus Infrastructure Pvt Ltd Thomson Buildings, Cheruparambathu Road Kadavanthara, Kochi-20 Tel: +91 484 2324881, 2324882 Email: ekmmktg@oceanus.co.in Web: www.oceanus.co.in Olive Builders Olive House, Edappally, Kochi - 682 024 Tel: +91 484 2332190, 2332890 Email: mail@olivebuilder.com Web: www.olivebuilder.com Orchid Builders F - 4th Floor, Apple Tower, Edappally, Kochi -24 Tel: +91 484 2349922, 4055975 Email: orchidbuilders@rediffmail.com 226 dream makers

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RDS Project Ltd. Alpha Plaza, KP Vallon Road Kadavanthra Kochi - 682 020 Fax: +91 484 2323012 Email: mail@rdsproject.com Web: www.rdsproject.com Relcon Properties Pvt. Ltd. Pukalakkattu Complex, Palarivattom Kochi - 682 025, Tel: +91 484 2348420, 2336188 Email: sales@relcongroup.com Web: www.relcongroup.com Royal Projects Group Statue Junction, Tripunithura, Kochi - 682 301 Tel: +91 484 2775897, 2781177 Email: royalprojects@eth.net Web: www.royalprojectsgroup.com Shwas Homes Pvt. Ltd Second Floor, Shawas Mystic Heights - 1 Kaniyampuzha Road, Eroor P.O., Vyttila Kochi - 682 306, Tel: +91 484 4166000 Email: admin@shwashomes.com Web: www.shwashomes.com

SK Constructions Second Floor Palmland Complex Temple Road Bank Jn, Alwaye Tel: +91 484 4063522, 4063523 Email: contactus@skconstructions.net Web: www.skconstructions.net Skyline Builders Rajaji Road, Kochi - 682 035 Tel: +91 484 2363695 Fax: +91 484 2374176 Email: marketing@skylinebuilders.com Web: www.skylinebuilders.com Souparnika Group Opp. Taluk Hospital Thripunithura Kochi - 682 301 Tel: +91 484 2780011, 3257744 Fax: +91 484 2537854 Email: mail@souparnikamansions.com Web: www.souparnikamansions.com SRK Shelters Pvt. Ltd Sky Wings Near Marthoma School Thengod P.O, Edachira Kakkanad-682030 Tel: 93495 82233 Email: srkcochin@srkconstructions.com Web: www. srkconstructions.com SR Properties Silver Castle, Statue Jn Kalikkotta Road Tripunithura - 01 Tel: +91 484 3194004 Fax: +91 484 2780484 E-mail: srpropertieskerala@gmail.com Web: www.srpropertieskerala.com

Sudhir Gopi Developers Pvt Ltd Mosque Lane SRM Road, Kochi-682 018 Tel: +91 484 4060906, 4060907 E-mail: info@sudhirgopidevelopers.com Web: www.sudhirgopidevelopers.com Synergy Homes Ltd. Diwan’s Road, Kochi - 682 016 Tel: +91 484 236 3073, 4028822, 23, 24 Email: mail@synergyhomesltd.com Web: www.synergyhomesltd.com Tanzeel Builders II Floor, HHYS Building Rajaji Road, Kochi - 682 035 Tel: +91 484 6593473, 6520544 Fax: +91 484 2380052 Email: tanzeel@vsnl.com Web: www.tanzeelbuilders.com Tiknar Homes Pvt. Ltd. 1st Floor, Profnet Plaza Mamangalam Palarivattom, Kochi - 682 025 Tel: +91 484 2333507, 2333508 Email: sales@tiknarhomes.com Web: www.tiknarhomes.com Travancore Builders Travancore House MG Road North End, Kochi - 35 Tel: +91 484 2383366, 4021400 E-mail: info@ travancorebuilders.com Web: www.travancorebuilders.com Trinity Builders & Developers Opp. Changampuzha Park, Edappally, Kochi - 24 Tel: +91 484 2339916, 2339917 Fax: +91 484 2339918 Email: info@trinitybuild.com Web: www.trinitybuild.com

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Ultima Builders & Developers Pvt Ltd HHYS Buildings Rajaji Road Kochi - 682 035 Tel: +91 484 2370614, 4041500 Email: ultimadreamhomes@yahoo.com Web: www.ultimabuilders.in Veegaland Developers Pvt. Ltd. K Chittilappilly Foundation Building Opp NPOL, Bharath Matha College Road P.O. Thrikkakara Kakkanad, Kochi - 682 021 Ph: 9746774444 Email: mail@veegaland.in Web: www.veegaland.com Yasoram Builders Convent Road, Kochi - 682 035 Tel: +91 484 2366726, 2352271, 2352437 Fax: +91 484 2373830 Email: mail@yasoram.com Web: www.yasoram.com find your dream makers | kozhikode Ace Structures Pvt. Ltd. Leela Towers Kallai Road, Calicut - 673 002 Tel: +91 495 2304848 Email: acestructures@sify.com Web: www.acestructures.com Calicut Landmark Builders & Developers India (P) Ltd Third Floor, CD Tower Mini Bye-Pass Road Calicut Tel: +91 495 2721950, 3919100 Email: info@landmarkbuilders.co.in Web: www.landmarkbuilders.co.in 228 dream makers

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Express Housing Complex Pvt. Ltd. 2nd Floor Express House Kallai Road Calicut - 673 002 Tel: +91 495 2701272, 2702914 Email: exphou@hotmail.com Web: www.expresshousing.com Galaxy Builders Red Cross Road Calicut, - 673 032 Tel: +91 495 2369422 Fax: +91 495 2366830 Email: contact@galaxy-builders.com Web: www.galaxy-builders.com Hi-lite Builders Pvt. Ltd. Hi-lite House Metromax Junction Thondayad Bypass Road Calicut - 673 016 Tel: +91 495 2352500 Email: sales@hilitebuilders.com Web: www.hilitebuilders.com Malabar Builders India Ltd. 29/909 B, Kottooly, Mavoor Road Calicut - 673 016 Tel: +91 495 4040916, 3240916 Email: info@malabarbuilders.net Web: www.malabarbuilders.net Prisunic Builders Pvt. Ltd. 27/97 D 4, First Floor, FCC Building Arayadethpalam Mavoor Road Kozhikode - 673 016 Tel: +91 495 3042776, 2744776, 99954 11668 Email: mail@prisunicbuilders.com Web: www.prisunicbuilders.com

PVS Apartments KTC Building Y M CA Road, Calicut - 673 001 Tel: +91 495 2766244, 2766362 Email: infopvsapts@ktcgroup.com Web: www.pvsapartments.com

Iskcon Builders and Developers Iskcon Gardens, Cheroor Thrissur - 680 008 Tel: +91 487 3251456 Email: mail@iskconbuilders.com Web: www.iskconbuilders.com

Seiken Property Developers Pvt. Ltd. Seiken Chambers Kannur Road, Calicut - 673 001 Tel: +91 495 2761555, 3264555 Fax: +91 495 2367778 Email: salescalicut@seikenproperties.com Web: www.seikenproperties.com

Jayaprakash & Prakash Constructions Pvt. Ltd. Sreekumara Samajam Buildings West Nada, Kodungallur Tel: +91 480 2808618 Email: jpandp@rediffmail.com Web: www.jpandp.net

Sree Viswa Builders Ist Floor,E K complex Palatuthazham Erahnipalam Kozhikode - 20 Tel: +91 495 237 2910, 329 3999 E-mail: sales@sreeviswabuilders.in Web: www.sreeviswabuilders.in

Kaizen Projects & Constructions Vigneswara Apartments Ground A, Block 3 Ayyappa Nagar Punkunnam, Thrissur - 02 Tel: +91 487 2388522 Email: mail@kaizenprojects.in Web: www.kaizenprojects.in

find your dream makers | thrissur Cheloor Property Development Projects Ltd. Cheloor Residency Shankarankulangara Pookunnam, Thrissur - 680 002 Tel: + 91 487 2388168, 2388180 Email: contact@cheloor.com Web: www.cheloor.com Emmatty Towers St Thomas College Road East Fort, Thrissur - 680 005 Tel: +91 487 2426293, 2427355 Email: binnyemmatty@yahoo.co.in Web: www.emmattyproperties.com

Kalyan Developers Sitaram Mill Lane Road Punkunnam, Thrissur Tel: +91 487 2382555 Fax: +91 487 2381666 Email: sales@kalyandevelopers.com Web: www.kalyandevelopers.com Lord Krishna Builders IVth Floor, Centre Point M.G.Road Thrissur - 680 004 Tel: +91 487 3200000, 2388840 Fax: +91 487 2382266 Email: mail@lordkrishnabuilders.com Web: www.lordkrishnabuilders.com

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Mookambika Builders 20/343, Poothole Lane M.G Road Thrissur - 680 004 Tel: +91 487 2385099, 3292101 Email: office@mookambikabuilders.com Web: www.mookambikabuilders.com Mulberry Homes Avenue Road Thrissur - 680 005 Tel: +91 487 2251192, 9847034390 Email: info@mulberryhomesindia.com Web: www.mulberryhomesindia.com Parappilly, The Builders Bishop Palace Junction East Fort Thrissur - 05 Tel: +91 487 2333949 Fax: +91 487 2333949 Email: mail@parappilly.com Web: www.parappilly.com Sobha Limited ‘Sobha City’ Puzhakkal Post Guruvayoor Road Thrissur - 680 553 Tel: +91 487 2389770, 2389771 Fax: +91 487 2389773 Email: sls.sobhacity@sobha.com Web: www.sobhacity.co.in Thrissur Builders Pvt. Ltd. 25/1160/1, Machingal Lane Thrissur-680 001 Tel: +91 487 2336652, 2336653 Email: thrissurbuilders@yahoo.com Web: www.thrissurbuilders.com 230 dream makers

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Unidesign Builders & Developers Pvt. Ltd. EL 51/74, Sathi, Civil Lane Road Ayyanthole Thrissur -680 003 Tel: +91 99959 91111 Fax: +91 487 2382944 Email: contact@unidesignbuilders.com Web: www.unidesignbuilders.com Vasthuhara Developers and Real Estate Limited Door No.31/25/1, First Floor Thommana House C.Achuta Menon Road Punkunnam P.O. Thrissur - 680 002 Tel: 0487 2380640, 2380641 Web: www. vasthuhara.com find your dream makers | thiruvananthapuram Arjun & Associates Viswam Towers, Adarsh Nagar, Pattom Thiruvananthapuram - 695 004 Tel: +91 471 2553735, 2555533 Email: info@arjunassociates.com Web: www.arjunassociates.com Artech Realtors Pvt. Ltd. Artech House, TC 24/2014(1) Near Taj Vivanta, Thycaud Thiruvananthapuram, Kerala 695014 Ph: 0471 3018114 Email: sales@artechrealtors.com Web: www.artechrealtors.com Favourite constructions Pvt. Ltd. Statue - Gen. Hospital Road Trivandrum - 01, Tel: +91 471 3918877 Email: info@favouritehomes.com Web: www.favouritehomes.com

Heera Construction Company Pvt. Ltd. M.P.Appan Road Vazhutacaud Thiruvananthapuram - 695 014 Tel: +91 471 2331980, 2321562, 2338859 Email: heera@heeragroup.com Web: www.heeragroup.com

Samson and Sons Builders & Developers Pvt. Ltd TC 3/ 679, Kaliveena Buildings TKD Road, Pattam, P.O. Muttada Thiruvananthapuram - 695 025 Tel: 0471 3914000, 2540780 Web: www.samsonandsons.com

Muthoot Builders Peral Heaven Muthoot Vazhuthacaud Trivandrum - 14 Tel: +91 471 2323790, 2334865 Email: muthoot@muthootbuilders.com Web: www.muthootbuilders.com

Si Property Pvt. Ltd. Silver Oaks, Golf Links Road Kowdiar Trivandrum - 03 Tel: +91 471 2430177, 2430277 Fax: +91-471-2539022 Email: propertykerala@siproperty.net Web: www.sipkerala.com

Nikunjam Constructions Pvt Ltd Indraprastham T.C.4/2554-3 Pattom-Kowdiar Road Thiruvananthapuram- 695004 Tel: +91 471 2436175, 2436173 Email: indraprastham@asianetindia.com Web: www.nikunjambuilders.com

Sivaji Builders Pvt. Ltd. Sivaji Saphire, E-Street Jawahar Nagar, Trivandrum - 03 Tel: +91 471 2722096, 2722097 Fax: +91 471 2722099 Email: sivajibuilders@dataone.in Web: www.sivajibuilders.com

Prime Property Developers B2, Jawahar Nagar Trivndrum - 41 Tel: +91 471 2722817 Email: ppdindia@rediffmail.com Web: www.ppdindia.com

Skyline Foundations & Structures Pvt. Ltd. Skyline Plaza, Vellayambalam Trivandrum - 10 Tel: +91 471 2726992,2721803, 2729467 Fax: +91 471 2726978 Email: marketing@sfshomes.com Web: www.sfshomes.com

PRS Builders Soundarya Building M G Road Trivandrum- 01 Tel: +91 471 2328745 Fax: +91 471 2330990 Email: prsbuilders@yahoo.com Web: www.prsbuilders.com

Sowparnika Projects and Infrastructure Private Limited A-26, Kowdiar Gardens Kowdiar Thiruvananthapuram - 695 003 Tel: +91 471 3222012 Fax: +91 471 3054990 E mail: enquiry.tvm@sowparnikaprojects.com Web: www.sowparnikaprojects.com

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India is blessed with a long coastline of 8118 km and after declaration of the Exclusive Economic Zone (EEZ) in 1977, the oceanic resources available to India are estimated at 2.02 million sq. km, comprising 0.86 million sq. km (42.6 % of the total) on the west coast, 0.56 million sq. km (27.7%) on the east coast and 0.60 million sq. km (29.7%) around the Andaman and Nicobar Islands. The continental shelf area amounts to 530 000 sq. km of which 71 percent area is available in the Arabian Sea (west coast) and the remaining 29 percent in the Bay of Bengal (east coast).

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With the abundance of water resources and tropical climate, India is home to rich and varied fish. Our estimated fishery potential is 4.24 million metric tons from the marine sector, and according to CMFRI the level of exploitation in 2011 is about 3.84 mmt.

About 90% of the present marine production from a depth range of 50 to 60 meters of the sea and the remaining 10% is from depths extending upto 200 meters. Fishing efforts are mostly done by the mechanised, motorised and non-motorised artisanal sectors. Mechanised sector contributed 79% of the total annual

catch while the Motorised and non-motorised artisanal sectors accounted for 19% and 2% respectively. Marine products are of great demand in the world market solely because of their high health attributes. Seafood is claimed to be one of the fastest moving commodity in the world market. Within the last decade, the world market for seafood has doubled reaching US$ 49.32 billion. India’s share in this market is about 2.4% depending on shrimp as a product, and giving increased attention to other fishery resources like squid, cuttlefish etc and penetrating into

western European and south East Asian markets. With shrimp farming and introduction of several resource specific vessels to increase marine fish landings, India anticipates a steady growth in exports of marine products. India exported only dried marine products like dried fish and dried shrimp till the end of 1960. Since 1961, export of dried marine products was overtaken by export of frozen marine items, leading to a steady growth export earnings. Export of frozen and canned items registered a significant rise with the devaluation of Indian currency in 1966.

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Thus from the traditional buyers in neighboring countries, Indian market in frozen marine products spread to other developed countries. Before 1960, when our exports were dominated by dried items, markets of our marine products largely confined to neighboring countries like Sri Lanka, Myanmar, Singapore etc.

With the development of technology and modernization, these dried marine products gave way to canned and frozen items. Thus, as the product changed, market also was changed. As a result, more affluent developed countries like Japan, USA, Europe, Australia etc became our buyers. Several units of seafood processing with modern machinery were set up across the country for freezing and production of marine products. Till 1977, USA was our principal buyer of shrimp, but later Japan emerged as the principal buyer of the product followed by the west European countries. Till 2001-02, Japan remained the single largest buyer of our marine products, accounting about 31% of the total export value. In the year 2002-03 and 2003-04, USA emerged as the single largest buyer of our marine products. In the year 2004-05, European Union emerged as the largest importer of Indian marine products and remained in this position till 2010-11. After 2011 South East Asia become the largest market for Indian marine products followed by European Union, USA, Japan and China.

Quality Control Processed products in sea food industry are highly heterogeneous and perishable in nature, especially in tropical conditions.

Therefore, quality control of sea food is very vital in seafood industry. Taking this into consideration, the industry has adopted modern methods of processing sea food with stringent quality control methods. Safety has become a matter of great concern over the past few years, especially in developed countries where food safety offences are considered in government level. With the advancement of technology and public awareness, consumers are becoming increasingly demanding in terms of quality, freshness, nutritional value and microbiological safety of food.

The Marine Products Export Development Authority (MPEDA) plays a pivotal role in implementing HACCP system in the processing units and residue monitoring in the aquafarming sector to ensure food safety.

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Ornamental Fish Trade Developed countries are getting more and more interested in ornamental fish keeping, which is the second most popular hobby after photography. There is a steady growth in aquarium fish trade with the growing interest in aquarium fishes. The retail value of the global ornamental fish trade is US$ 6 billion whereas wholesale value is US$ 1 billion. The entire industry including accessories and fish feed, is estimated to be worth around US$ 18-20 billion. Out of nearly 8000 marine ornamental, only 25 are bred in captivity and more than 90% of freshwater fish are captive bred. Ornamental fish are imported by more than 120 countries, among them the EU is the major importer, followed by North America, and Japan. In the EU, UK holds 19% of the trade share whereas Germany holds 18% of it. France, the Netherlands, Belgium, Spain and Italy are also major importers of ornamental fish. In North America, USA plays the role of largest importer with 85% share. Singapore is the largest exporter of ornamental fishes with exports doubles that of other exporters. India has most suitable climate, bio diversity, manpower and abundant water resources. But India’s share in global ornamental fish trade is very less as India dominates in wild caught species. Also, the unit value of ornamental fish is higher than the food fish in our domestic markets. India is the first country to prepare strategies and measures aimed at the sustainable development of freshwater ornamental fish sector. A task force was formed by MPEDA for the purpose and brought out ‘Green Certification Guidelines for Freshwater ornamental fishes’, which is acknowledged as a welcome move the stakeholders across various countries.

Shrimps More than 85 species of shrimps are known to exist in Indian waters and 55 among them are reported to be commercially more important and having considerable demand in international market. Among these, the post larvae and juveniles get into the estuarine waters, grow and then migrate back to the sea for reproduction. These species breed at different depths of the sea and among them. Species such as Fenneropenaeus indicus, Penaeus monodon, P. merguiensis, P. semisulcatus, Metapenaeus

monoceros, M. affinis, M. Dobson and Parapenaeopsis stylifera, are having high demand in domestic and international markets.

P. monodon is widely farmed along the coastal states. Besides, India also produces exotic Pacific Whiteleg shrimp, Litopenaeus vannamei in sizeable quantity. During 2012-13, the contribution of cultured shrimp to the total shrimp export was 72.26% compared to 55% in 2011-12. The export of cultured shrimp shown tremendous growth of 32.55% in quantity and 83.96% in dollar terms in 2013. There is a marked reduction in the export of Black Tiger which was greatly compensated by L. Vannamei shrimp, which had shown a tremendous growth to 1,34,372 MT in 2013 from 69565 MT in 2012.

Marine Products Export Development Authority The Marine Products Export Development Authority (MPEDA) is a statutory body set up by the Government of India under the MPEDA Act 1972. The MPEDA functions under the Ministry of Commerce & Industry, Govt. of India. The role of MPEDA as per the statute is, promotion of raw material production by capture & culture fisheries, processing, marketing, extension, export standards and training in various aspects of the industry. The MPEDA has various activities in its fold, ranging from regulatory function to operating financial assistance schemes for the stakeholders of the seafood producing and processing sector, registration of fishing vessels, pre-processing units, processing units, cold storages, marine product exporters and ornamental fish breeding units through its field offices in all the maritime states of India. The MPEDA has two Trade Promotion Offices functioning at Tokyo, Japan & New York, USA. During the financial year 2012-13, Exports of marine products reached an all-time high of Rs 18,856 crores. Marine product exports, crossed all previous records in quantity, rupee value and US $ terms. Exports aggregated to 928215 tonnes valued at Rs. 18856.26 crores and USD 3511.67 million. Compared to the previous year, seafood exports recorded a growth of 7.68% in quantity, 13.61% in rupee and 0.1% growth in US$ earnings respectively. Frozen Shrimp continued to be the major export value item accounting a share of 51.35% of the total US $ earnings. Shrimp exports during the 238 marine resources

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period increased by 20.88%, 18.73% and 3.56% in quantity, rupee value and US$ value respectively. South East Asia continued to be the largest buyer of Indian marine products in 2013 with a share of 23.12% in terms of US $ value realisation. European Union (EU) is the second largest market with a share of 22.14% followed by USA (21.29%), Japan (10.61%), China (7.67%), Middle East (5.96%) and Other Countries by 9.22%. The estimated potential brackish water area suitable for shrimp farming is about 1.2 million hectare of which around 15% is utilized for farming, producing about 2.72 lakh tons of shrimp, scampi, crab, tilapia and seabass which is going to the export basket. India’s total fishery production is about 8.0 million tons from both capture and aquaculture sources. During the year 2012-13, shrimp aquaculture production has increased significantly. The Black Tiger shrimp production was around 1,23,303 MT from an area of 93,110 ha. The production of vannamei shrimp was 1,47,516 MT from 22,715 ha area. The production of scampi during the year was 6464 MT. Diversification in aquaculture practices are promoted through trials on cage culture of Asian Seabass, grouper and tilapia, demonstration of mud crab culture and soft shell crab production. India produced 747 MT Mud crab and 474 MT Seabass and 77 MT of Tilapia for export during 2012-13. Cobia and Tilapia are the fish varieties that hold immense potential for export production. Simultaneously, MPEDA is actively pursuing its organic aquaculture programme launched in 2007. It has also achieved production of organic scampi first time in the world. MPEDA supports ornamental fish production and export in various states to increase production base and quality. It has also brought in Green Certification guidelines for the first time in the world for Freshwater ornamental fish with an aim to inculcate sustainable development of the sector. India is one among the biggest seafood processing hub in Asia with 470 processing units, of which 266 units have been approved by EU with a freezing capacity of over 18,520 MT/day. The MPEDA has a system in place to ensure quality control regime that comply International standards for seafood and hygiene. MPEDA implements pre-harvest screening of antibiotics in farmed shrimps through its 20 ELISA labs and other residues under a regular monitoring plan through its three NABL

accredited labs. Besides, MPEDA has also set up three societies, viz., NETFISH, NaCSA and RGCA to provide adequate attention in the fields of capacity building and applied research. Network for Fish Quality Management and Sustainable Fishing (NETFISH), is established for capacity building of both fishing and fish processing sectors at the grass root level in order to improve the quality of fishery products, and works in close coordination with international and national institutions of excellence in the field of extension and training. National Center for Sustainable Aquaculture (NaCSA), organizes small farmers to form primary aquaculture societies, provides technical support to build their capacity to produce quality shrimps in a sustainable manner. It also facilitates linkages between aquaculture stake holders, implement voluntary guidelines on Best Management Practices, and formulate strategies that benefit the entire shrimp farming community. Rajiv Gandhi Centre for Aquaculture (RGCA) is the Research & Development arm of MPEDA that has evolved as a Centre of Excellence in Aquaculture. RGCA is actively involved in the development of various sustainable aquaculture technologies for different aquatic species having export potential. It has a state-of-the-art technology transfer and training centre to disseminate the technologies developed to the interested stakeholders. RGCA is developing SPF brood stock of Black Tiger Shrimp in its research facility situated in the A&N islands. RGCA has also set up a central quarantine facility for the first time in India at Chennai to check the imported Specific Pathogen Free L. vannamei shrimp brood stock. As a part of promotional activities MPEDA participates in various national and international trade fairs wherein the activities and strength of the sector is showcased.

Besides, it also organizes India International Seafood Show and Aqua Aquaria India, which are international exhibitions respectively for the seafood processing and aquaculture / ornamental fish culture sectors. The next India International Seafood Show will be held in January 2014. MPEDA has a vision to make India a leading player in seafood production and processing. For more information: The Marine Products Export Development Authority, MPEDA House, Panampilly Nagar, Kochi-682 036, Kerala, India, Tel: +91 484 2311979, Fax: 2313361, Email: mpeda@mpeda.nic.in, Web: www.mpeda.com 240 marine resources

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Fishery Resources Group Name - Prawns

Trade Name: Black Tiger prawn Scientific Name: Penaeus monodon French: Crevette, Japanese: Ebi, Spanish: Camaron Gear Used: Trawl net, gill net and Traps Peak Season: November to May Distribution: East coast and South-west coast of India Areas of abundance: West Bengal and Orissa coasts Trade Name: Indian White Prawn Scientific Name: Fenneropenaeus indicus French: Crevette, Japanese: Ebi Spanish: Camaron, Gear Used: Trawl net and Gill net Peak Season: Throughout the year except Monsoon season Distribution: Entire west coast and south-east coast of India Areas of abundance: Kerala and Karnataka coasts Trade Name: Flower prawn Scientific Name: Penaeus semisulcatus French: Crevette, Japanese: Ebi, Spanish: Camaron Gear Used: Trawl net, Peak Season: October to February Distribution: East and west coasts of India Areas of abundance: Karnataka, Goa, Maharashtra and Gujarat Trade Name: Pink shrimp Scientific Name: Metapenaeus dobsoni

French: Crevette, Japanese: Ebi, Spanish: Camaron Gear Used: Trawl net Peak Season: July to October Distribution: West and East coasts of India Areas of abundance: Kerala and Karnataka coasts

Production method: Scientific farming Production areas: Gujarat, Maharashtra, Tamil Nadu & Andhra Pradesh Group Name - Butter Fishes

Trade Name: Brown shrimp Scientific Name: Metapenaeus monoceros French: Crevette, Japanese: Ebi Spanish: Camaron, Gear Used: Trawl net Peak Season: November to May Distribution: West and East coasts of India Areas of abundance: Coasts of Andhra pradesh and Orissa Trade Name: Kiddi prawn Scientific Name: Parapenaeopsis stylifera French: Crevette, Japanese: Ebi Spanish: Camaron, Gear Used: Trawl net Peak Season: May to October Distribution: Throughout the west coast and certain parts of East coast Areas of abundance: West coast

Trade Name: Pacific White Leg Shrimp Scientific Name: Litopenaeus vannamei French: Crevette pattes blanches Japanese: vannamei, Spanish: Camaron pattblaco

Trade name: Silver pomfret Scientific Name: Pampus argenteus French: Castagnole, Japanese: Managatsuo Spanish: Pampano Gear used: Gill net, Dol net and Trawl net Peak season: September to January Distribution: Middle-West and North-East coasts of India Areas of abundance: Maharashtra, Gujarat and Orissa coasts Trade Name: Chinese pomfret Scientific Name: Pampus chinensis French: Castagnole, Japanese: Managatsuo Spanish: pampano, Gear used: Gill net and Dol net Peak season: August to December and March Distribution: East and West coasts of India Areas of abundance: Maharashtra and Gujarat coasts Trade Name: Black pomfret Scientific Name: Formio niger French: Castagnole, Japanese: managatsuo

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Spanish: Pampano, Gear used: Gill net and Trawl net Peak season: August to December Distribution: West and East coasts of India Areas of abundance: Maharashtra and Gujarat coasts Group Name - Crustaceans

French: Crabe, Japanese: Kani , Spanish: Cangrejo Gear Used: Trawl net and Shore seines Peak Season: July to December Distribution: West and East coasts of India Areas of abundance: Off the coasts of Andhra Pradesh, Kerala, Karnataka and Gujarat Group Name - Carangids

Trade Name: Blue Swimming crab Scientific Name: Portunus pelagicus French: Crabe, Japanese: Kani, Spanish: Cangrejo Gear Used: Trawl net, Drag net and shore seines Peak Season: July to December Distribution: West and East coasts of India Areas of abundance: Off the coasts of W.Bengal, Andhra Pradesh, tamil Nadu, Kerala, Karnataka and Maharashtra Trade Name: Mud crab Scientific Name: Scylla serrata French: Crabe, Japanese: Kani, Spanish: Cangrejo Gear Used: Crab traps, Trawl net and Drag nets Peak Season: July to October Distribution: West and East coasts of India Areas of abundance: Coasts of Kerala, Tamil Nadu, West Bengal and Orissa Trade Name: Three Spot Swimming Crab Scientific Name: Portunus sanguinolentus 242 marine resources

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Trade Name: Scad Scientific Name: Alepes mate French: Carangue, Japanese: Hiraaji Gear used: Trawl net and Gill net Peak season: January to June and Sept to November Distribution: West and East coasts of India Areas of abundance: Coasts of Kerala, Tamil Nadu and Andamans Trade Name: Horse mackerel Scientific Name: Megalaspis cordyla French: Chinchard Japanese: Muroaji Spanish: Jurel, Gear used: Gill net and Purse seine Peak season: September to November Distribution: South-East coast and West coast of india Area of abundance: Kerala and Tamil Nadu coasts Trade Name: Leatherskin Scientific Name: Scomberoides lysan Gear used: Gill net Peak season: September to January Distribution: East and West coasts of India Areas of abundance: Andhra, Tamil nadu and Kerala coasts

Trade Name: Naked breast trevally Scientific Name: Decapterus ruselli French: Carangue Japanese: Hiraaji Gear used: Trawl net and Gill net Peak season: October to February Distribution: West and East coasts of India Areas of abundance: Along the coasts of Maharashtra, Kerala and Tamil Nadu

Trade Name: Giant marine cat fish Scientific Name: Arius thalassinus French: Loup, Spanish: Lobo Gear used: Trawl net and Gill net Peak season: March to June and September to October Distribution: East to West coasts of India Areas of abundance: Maharashtra coast Group Name - Bivalves

Trade Name: Malabar trevally Scientific Name: Carangoides malabaricus Gear used: Trawl net and shore seine Peak season: October to February Distribution: East and West coasts of India Areas of abundance: Tamil nadu and Kerala coasts Group Name - Cat Fish

Trade Name: Indian Black Clam Scientific Name: Villorita cyprinoides French: clam, Japanese: Nimaigai , Spanish: Almeja Gear Used: Hand picking Peak Season: July to November Distribution: West coast of India Areas of abundance: Kerala, Karnataka and Goa coasts Trade Name: Cat fish Scientific Name: Arius maculatus French: Loup, Spanish: Lobo Gear used: Trawl net and Gill net Peak season: September to March Distribution: West coasts of India Areas of abundance: Karnataka, Goa and Maharashtra coasts

Trade Name: Green mussel Scientific Name: Perna viridis Japanese: Igai, Spanish: Mejillon Gear Used: Hand picking, Peak Season: July to November Distribution: East and West coasts of India and off Port Blair Areas of abundance: Coasts of Kerala , Karnataka, Ratnagiri, Gulf of Kutch and Kakinada Bay

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Trade Name: Clam Scientific Name: Meretrix meretrix French: Clam, Japanese: Nimaigai, Spanish: Almeja Gear Used: Hand picking, Peak Season: July to November Distribution: West and East coasts of India Areas of abundance: Along the coasts of Kerala, Karnataka, Goa, Maharashtra and Kakinada Bay Trade Name: Baby Clam Scientific Name: Marcia opima French: Clam, Japanese: Nimaigai, Spanish: Almeja Gear Used: Hand picking Peak Season: July to November Distribution: West and South-East coasts of India Areas of abundance: Coasts of Kerala, Karnataka, Goa and Maharashtra

Group Name - Cephalopods

Trade Name: Blood clam Scientific Name: Anadara granosa French: Arche, Japanese: Akagai, Spanish: Pepitona Gear Used: Hand picking.

Peak Season: July to October Distribution: South-East coasts of India Areas of abundance: Kakinada Bay in Andhra Pradesh

Trade Name: Cuttle Fish Scientific Name: Sepia pharaonis.

French: Seche, Japanese: Ko-ika Spanish: Jibia, Gear Used: Trawl Net Peak Season: September to January Distribution: West and East coast of India Areas of abundance: Palk Bay, Gulf of Mannar and coasts of Maharastra and Kerala

Trade Name: Oyster Scientific Name: Crassostrea madrasensis French: Huitre, Japanese: Kaki Spanish: Ostra, Gear Used: Hand picking Peak Season: August to February Distribution: South-West and South-East coasts of India Areas of abundance: Along Tamil Nadu coast

Trade Name: Squid Scientific Name: Loligo duvaucelii French: Calmar, Japanese: Ika, Spanish: Calamar Gear Used: Trawl net , Peak Season: January to March Distribution: East coast and west coast of India Areas of abundance: Gujarat, Maharashtra, Karnataka, Kerala, Tamil Nadu and Andhra Pradesh coasts

Trade Name: Pearl oyster Scientific Name: Pinctada spp.

Japanese: Akoyagai, Spanish: Madreperla Gear Used: Hand picking Peak Season: Throughout the year except monsoon season Distribution: South-East coasts of India Areas of abundance: Gulf of Mannar

Trade Name: Squid Scientific Name: Doryteuthis sibogae French: Calmar, Japanese: Ika, Spanish: Calamar Gear Used: Trawl net Peak Season: April to May and August to December Distribution: East and west coasts of India Areas of abundance: Kerala Coast

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Trade Name: Octopus Scientific Name: Octopus spp.

French: Poulpe, Japanese: Ma-dako tako, Spanish: Pulpo Gear Used: Octopus pot and Trawl net Peak Season: September to January Distribution: West and East coasts of India and off Lakshadweep Areas of abundance: West coast of India Group Name - Lobster

Trade Name: Sand lobster Scientific Name: Thenus orientalis French: Homard, Japanese: Iseebi, Spanish: Bogavante Lubrigante Gear Used: Lobster pots, trawl net etc.

Peak Season: Throughout the year Distribution: West and South-East coasts of India Areas of abundance: Karnataka, Maharashtra, Gulf of Mannar and Orissa coasts.

Trade Name: Mud Spiny lobster Scientific Name: Panulirus polyphagus French: Langouste, Japanese: Iseebi Spanish: Langosta, Gear Used: Lobster trap Trawl net and Scoop net, Peak Season: Throughout the year Distribution: West and South-East coasts of India Areas of abundance: Gujarat and Maharashtra coasts

Trade Name: Scalloped Spiny lobster Scientific Name: Panulirus homarus French: Langouste, Japanese: Iseebi Spanish: Langosta, Gear Used: Lobster trap Trawl net and Scoop net , Peak Season: Throughout the year Distribution: West and South-East coasts of India Areas of abundance: Gulf of Mannar and Maharashtra coast Trade Name: Ornate Spiny lobster Scientific Name: Panulirus orantus French: Langouste, Japanese: Iseebi Spanish: Langosta Gear Used: Lobster trap, Trawl net and Scoop net Peak Season: Throughout the year Distribution: West and South-East coasts of India Areas of abundance: Gulf of Mannar and Maharashtra coast Group Name - Elasmobranchs Trade Name: Indian dog shark Scientific Name: Scoliodon laticaudus French: Requin, Japanese: Same Fuka, Spanish: Tiburone, Gear used: Long line Peak Season: September to April Distribution: West and South-East coasts of India Areas of abundance: Gujarat and Maharashtra coasts Trade Name: White cheeked shark Scientific Name: Carcharhinus dussumieri French: Requin, Japanese: Same Fuka Spanish: Tiburone, Gear used: long line Peak season: September to April Distribution: West and South-East coasts of India Areas of abundance: Gujarat and Maharashtra coasts Trade Name: Black tip shark Scientific Name: Carcharhinus limbatus French: Requin, Japanese: Same, Fuka, Spanish: Tiburone Gear used: Hook and Long line, and Trawl net Peak season: Throughout the year Distribution: West and East coasts of India Areas of abundance: Coasts of Tamil Nadu

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Trade Name: Smooth Hammer head shark Scientific: Sphyrna zygaena, French: Requin-marteau Japanese: Shiroshumoko , Spanish: Pez martillo Gear used: Hook and line, and Trawl net Peak season: January to May Distribution: South-East coast of India Areas of abundance: Port Novo (Tamil Nadu coast) Trade Name: Whip tail sting ray Scientific: Himantura bleekeri French: Raie, Japanese: Ei, Kasube, Spanish: Raya 246 marine resources

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Gear used: Hook and line, and Trawl net Peak season: December to May, Distribution: East coast of India Areas of abundance: Gulf of Mannar Trade Name: Javanese cow ray Scientific: Rhinoptera javanica French: Raie, Japanese: Ei, Kasube, Spanish: Raya Gear used: Hook and line, Trawl net and shore seine Peak season: January to May Distribution: South-East coast of India Areas of abundance: Cape comorin (Tamil Nadu coast)

India is one of the largest producers of coconut in the world. Coconut in India is predominantly a small holders crop contributing to about Rs.83,000 million annually which is about 2% of the contribution of agriculture and allied sectors. More than 10 million farming families dependent on this crop for their livelihood. Even though a major

producer of coconut, India consumes more than 50% of its coconut production of 15.84 billion nuts per annum as raw nuts for culinary and religious purposes. 35% of the production is utilized for conversion to copra, 11% for tender nut, 2% for seed purposes and hardly 2% is utilized for value addition and industrial purposes. As such there is

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a need for the country to devote more intensive research and development and technology transfer on utilization and product diversification in both food and non food uses so that the practice of fixing the price of coconut based on the existing market price of coconut oil could be done away with. Coconut has the advantage of having hundreds of uses which no other oil seed or horticultural crop can claim. Coconut products and by-products can be commercially utilized for multiple purposes. Coconut is a food as well as an oil seed crop. It is also a source of fibre, timber, and fuel. Coconut palm is also a beverage crop in many states in the country. The kernel is an integral part of the diet of the people of the West Coast of India.

Nutritious milk is obtained from the kernel, which yields oil on its boiling. Coconut milk is an essential ingredient in many culinary preparations. The dried kernel or the copra is the richest source of cooking oil of Kerala. Coconut oil is also used as hair oil, body oil and industrial oil throughout the country. It is an illuminant and lubricant as well.

Coconut oil is an ingredient in most of the premium cosmetic products. Coconut oil yields many oleo chemicals which have wide applications in various sectors. It can also be converted into bio-diesel. The coconut oil cake, the residue obtained after the extraction of oil from copra is a good cattle feed. Coconut palm yields toddy from which jaggery, vinegar and arrack are manufactured. The timber of coconut is used in house construction and to make furniture, wall panels, show pieces and floor tiles. The inflorescence of coconut is used to make ayurvedic medicines. Tender coconut is used as a nutritious health and sports drink and is a base for many ayurvedic preparations. The water of mature nut yields products such as vinegar, jelly, nata de coco and wine. The shell is used as a fuel besides manufacturing various commercial products like shell powder, shell charcoal, shell based activated carbon, ice cream cups, buttons of garments, utility articles and show pieces. The soft bud of the palm is edible and nutritious. Spongy ball like haustorium 250 coconut

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developing inside the nut when stored over a period is a sweet delicacy which can be exploited as a commercial value added product. The leaf of the palm is used for thatching houses. Dried leaves are used as fuel besides serving as country torch in villages. The spindle leaf is used for decoration and costuming in folk dances. The midribs of leaves are used to make brooms, fish traps, baskets and tongue cleaners. The husk yields fibre and pith. The fibre is made into hundreds of products, which enjoy both domestic and export market. The pith is a soil conditioner and rooting medium besides having many other uses. The spathe and stipules are used as fuel and for manufacturing handicrafts. It is rightly said “The coconut palm is alone sufficient to build, rig and freight a ship with bread, wine, water, oil, vinegar, sugar and other commodities�. The various products of coconut other than copra and coconut oil offer a vast scope for further development, value addition and commercialization. A large number of products are developed from coconut.

However due to paucity of space, this article covers only the major products developed from coconut, coconut water, coconut kernel and coconut shell.

Tender Coconut Water Tender coconut water serves as a mineral drink with therapeutic properties that help in regaining the vitality of the human body. The characteristic flavor of tender coconut is contributed by delta lactones. Glucose and fructose form an important constituent of the tender nut water. Tender Coconut Water contains most of the minerals such as potassium, sodium, calcium, phosphorous, iron, copper, magnesium etc. Tender Coconut Water has become popular as an emerging, natural and healthy product.

Packaged Tender Coconut Water The Coconut Development Board in collaboration with the Defence Food Research Laboratory (DFRL), Mysore has developed a technology for preservation and packing of tender coconut water in pouches and aluminum cans. The

DFRL, Mysore has succeeded in retention of its flavour when packed in pouches/aluminum cans for a period of three months under ambient conditions and six months under refrigerated conditions. The product has acclaimed consumer acceptance throughout the country. The products are available in both domestic and international markets.

Major exporters of the product are Philippines, Indonesia, Malaysia and Thailand.

Coconut Chips Coconut chips is a ready to eat snack prepared from 9-10 months old coconuts. It can be prepared by dehydrating the intermediate moisture coconut kernel. Intermediate moisture coconut kernel is the mature coconut kernel after removing the moisture content of the kernel partially by osmotic dehydration by using osmotic mediums like sugar syrup. Coconut Chips is crispy and can be packaged and marketed in laminated aluminium pouches, which will have a shelf life of 6 months. Since it is in ready-to-eat form, it could be used as snacks at any time. Coconut chips with different flavours can be prepared by adding the required flavour essence in the osmotic medium. Instead of sweet, salted coconut chips and medicated coconut chips can also be prepared by suitable change in the osmotic medium.

Coconut milk Coconut Milk refers to the oil-protein-water emulsions obtained by squeezing fresh grated coconut kernel. The undiluted and diluted are referred to as coconut milk and concentrated form as coconut cream. Coconut milk is obtained by extraction of fresh coconut wet gratings with/ without water. This is an instant product, which can either be used directly/diluted with water to make various preparations such as fish & meat dishes, curries, sweets, deserts, puddings, cocktails, cakes, cookies, coconut jam, ice creams etc. It can also be used in the manufacture of bakery products and for flavouring food stuffs. Preserved forms of coconut milk such as canned cream or milk and 252 coconut

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dehydrated whole milk are now available in many coconut growing countries. Commercial production of these products has been promoted in the Philippines, Thailand, Indonesia, Western Samoa, Sri Lanka and Malaysia and to some extent in India. Indonesia is the leading exporter followed by Sri Lanka, Thailand and Philippines.

Coconut Skimmed Milk Coconut fresh kernel is a rich source of plant protein and could well be an invaluable material for the preparation of milk substitutes. Coconut skim milk is a solution of the soluble components of coconut after the cream is separated in a cream separator. Skimmed milk is a good source of quality protein suitable for the preparation of many useful food products or as supplemental protein source, especially in regions deficient in animal proteins.

Freshly prepared coconut milk from pared kernel is filtered through a 120 mesh vibrating screen and the pH of the filtered milk is raised from 6.3 to 7.0 with the additions of sodium hydroxide. The milk is then pasteurized at about 60oC for one hour and subsequently centrifuged in a cream separator to yield the aqueous phase or the protein rich skim milk. Skim milk can be concentrated to a protein rich non-fat solid-product for industrial use. Skim milk can be used for the production of a variety of products like spray dried powder, coconut honey, coconut jam and sweetened condensed milk. In addition, it can also be used as a substitute for the preparation of fermented beverage concentrate and also as a source of vegetable casein. The gastro-intestinal disturbances in infants can be treated by feeding coconut milk, which shows that coconut skim milk having the same protein level (1.6 percent) as mother’s milk is well-utilized by infants.

Spray Dried Coconut Milk powder Coconut milk powder is the dehydrated form of the coconut milk. This product has a good keeping quality and retains the natural flavor, texture and taste of coconut milk. CDB

in collaboration with the CFTRI has developed technology for spray drying of coconut milk, which is the most potential method for preservation of flavour and texture of coconut milk with good keeping quality. The product has consumer demand in both domestic and international markets. Spray dried milk powder is produced on a commercial scale in the Philippines, Indonesia, Malaysia, Thailand and India.

The major markets for coconut milk and milk powder are European countries like UK, Netherlands, Germany, France, USA, Mexico, Canada, UAE, Australia, Japan, Korea, Malaysia, South Africa, Singapore etc.

Virgin Coconut Oil VCO can be produced from fresh comminuted coconut kernel or coconut milk. Different production processes are adopted depending upon the scale of operations, degree of mechanisms and investment available.

Ball Copra Ball copra is made by storing unhusked coconuts in a suitable store, which is usually a two-storey brick and mortar building, the floor and the four sides of the upper storey being made of wooden bars spaced two to three inches apart. Fully ripe nuts of twelve to fourteen months are stored in the upper floor of the store. They are frequently stirred and smoked by a slow fire, set under the platform using coconut palm waste or cheap firewood.

During the period of storage, the water inside the nuts gets dried up and the kernel gets detached from the shell.

The entire process takes eight to twelve months. When quite dry, the nuts are husked, the shells are broken with a heavy iron knife and the copra balls removed. The copra is clean, white inside and sweet in taste and is therefore highly priced. A study conducted by the erstwhile Central Coconut Research Station, Kasargod (India) on the preparation of ball copra revealed that small sized nuts are best suited for making ball copra, as it takes less time for conversion into ball copra.

Neera The vascular sap collected from immature unopened coconut inflorescence is popularly known as ‘Neera’ in fresh form. It is a sugar containing juice and is a delicious health drink and a rich source of sugars, minerals and vitamins. It is sweet and oyster white in colour and translucent. It is tapped from the coconut inflorescence and is filtered, pasteurized, and bio preservatives added to preserve the product. Treated Neera can be preserved in cans upto 2 months at room temperature. It can also be packed in tetra packs or glass bottles. Tapping can be done for 6 months in an year. Neera is popular as a delicious health drink. It is good for digestion, facilitates clear urination and prevents jaundice. The nutrient-rich ‘sap’ has low Glycemic Index (GI of only 35) and is hence diabetic-friendly since very low amounts of the sugar is absorbed into the blood. It is an abundant source of minerals, 17 amino acids, vitamin C, broad-spectrum B vitamins, and has a nearly neutral pH. Coconut crystals can be made out of this pure, low glycemic natural sap.

While most brown sugar is boiled at temperatures up to 221 degrees F with the end product containing 93% sucrose, sap crystals contain only 0.5% glucose, 1.5% fructose, 16% sucrose and 82% inulin - a prebiotic that promotes digestive health. It can be used as an ideal sweetener. Neera fetches much better returns compared to copra.

This was one product that Mahatma Gandhi, a strict vegetarian, used in his diet regularly. He used to take at least 40 to 50 gms of coconut blossom sugar everyday along with goat’s milk, leafy and other vegetables, lettuce and ghee. He was specially interested in this product as can be seen from his own words. “The juice of coconut tree can be transformed into a sugar as soft as honey. Nature created this product such that it could not be processed in factories. Palm sugar can only be produced in palm tree habitats. Local populations can easily turn nectar into coconut blossom sugar. It is a way to solve the world’s

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poverty. It is also as antidote against misery.� Gandhi wrote this in 1939. It can, as the Father of our Nation envisaged, add nutrition, dignity and prosperity to our community.

Value added products from Neera Neera Drink: Neera can be hygienically processed to a natural health drink. Quality of raw neera determines the quality of drink processed. So, raw neera of pH above 5 is always preferred for neera drink. Raw Neera is centrifuged, pasteurized and packed in aseptic conditions to produce Neera drink. Neera drink can also be produced in different flavours (Green apple, litchi, green coconut, lemon etc) for consumer acceptance. Neera could become a nutritious drink offering a healthy alternative to aerated beverages and soft drinks available in the market.

Primary Products of Neera Neera can be concentrated to different brix (value of total solids) level at different temperatures to produce primary products like Neera sugar, Neera jaggery, Neera semi solid jaggery, jaggery syrup, Neera honey, and Neera concentrate.

Coconut Sugar: Coconut sap sugar is obtained by boiling freshly harvested neera in moderate heat to evaporate the water at 115 degree Celsius. The scum formed while boiling is removed. When the liquid turns into syrup, it is continuously stirred to avoid burning and to form granulation. At this stage the liquid will change into solid form. When it is cooling, stir and break the lumps. Sieve the sugar to have uniform particle size and to produce quality product. Coconut sugar is also known as coconut palm sugar, coco sugar or coco sap sugar. It is considered to be one of the best natural sweeteners. It is completely natural coming directly from the inflorescence of coconut and there are no added chemicals. Coconut sugar has been used as a traditional sweetener for thousands of years in the South and South-East Asian regions especially in India, where the coconut palm is in abundant supply. It is truly a perfect and healthier substitute for artificial sweeteners which are

toxic to one’s health as well as better alternative to other natural sugarcane based sweeteners such as refined white sugar, brown sugar, molasses and others. It is devoid of any anti-nutritional factors if the sap is collected in aseptic condition with specially designed container without adding any artificial chemicals like lime. In order to get sugar with good quality and texture, the pH of the inflorescence sap should be above 7.5. Coconut Sugar has high mineral content. It is a rich source of potassium, magnesium, zinc and iron (Table 3). In addition to this, it contains all essential amino acids required for protein synthesis, and is rich in B complex Vitamin like B1, B2, B3 and B6. When compared to brown sugar (prepared from sugar cane molasses), coconut sugar has twice the iron, four times the magnesium and over 10 times the amount of zinc.

Neera Jaggery: Coconut sap jaggery is a by-product of coconut inflorescence sap with pH 6.5 to 7.0. Fresh sap is slowly boiled and evaporated in small batches. This minimal processing is done without the aid of sophisticated equipment such as vacuum evaporators and does not require any additives or enzymes. The biochemical and mineral composition of coconut jaggery prepared from the sap collected freshly without adding lime and the sap collected with lime is compared with the sugar cane jaggary available in the market Neera jaggery is produced by boiling (temperature-103 oC -105 oC) and concentrating Neera(pH>7) upto a brix level 0f 85o and then solidifying it by continous stirring and after judgment of end point, moulding it into desirable size and shape. Yield of the product is 12-15%.

Neera Semisolid Jiggery: Neera jaggery in its semi solid form is Neera semi solid jaggery. It is prepared by concentrating the sap and removing from fire before reaching the strike temperature for jaggery. It is very fine with loose bonding.

Yield of the product is 12-15%.

Neera Jaggery Syrup: Neera Jaggery Syrup is produced when fresh neera (pH e� 6) is heated under moderate temperature

(103oC -105oC) and concentrated to syrup consistency (75 80o brix). Yield of the product is 18-20%. In many countries, Neera, syrup is used as a health and wellness drink and is prevalently used in Ayurveda and other systems of medicine.

Neera Honey: Neera honey is produced by concentrating neera (pHd�5.5) upto 70o brix level. It is thick liquid syrup like honey.

It is used as table syrup as a sweetener in confectionary items like ice creams. Yield of the product is 20-22%.

Sweets and confectionaries from Neera Neera has a high potential for value addition due to its health benefits. Sweets and confectionaries prepared from normal sugar and jaggery can be prepared by substituting with neera sugar/jaggery/syrup/honey.Some of the products which can be produced from Neera include neera spicy jaggery, neera cookies, neera chocolate, neera cake, neera fruit spread, neera squash, neera icecream etc. Diversified products could be produced from coconut neera by adopting simple technologies requiring not much capital investment.

At house hold levels, it could provide employment opportunities to a sizeable population. When the production is organized in a cooperative sector like Farmer Producer Organisations(FPOs), adequate quality control is necessary for the production of good quality products.

Palm wine: Palm wine is an alcoholic beverage created from the sap of various species of palm tree such as the palmyra, date palms and coconut palms. Palm sap begins fermenting immediately after collection, due to natural yeasts in the pores of pot and air (often spurred by residual yeast left in the collecting container). Within two hours, fermentation yields an aromatic wine of up to 4% alcohol content, mildly intoxicating and sweet. The wine may be allowed to ferment longer, up to a day, to yield a stronger, more sour and acidic taste. In India, palm wine or toddy is served as either neera or padaneer (a sweet, non-alcoholic beverage derived from fresh sap) or kallu (a sour beverage made from fermented sap, but not as strong as wine).

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Kallu is usually drunk soon after fermentation by the end of day, as it becomes more sour and acidic day by day.

Spices are also added in order to brew and drink and give it its distinct taste.

Palm Honey: It is produced at 78 Brix level. It is thick liquid syrup like honey. It is used as a table syrup as a sweetner in confectionary items like ice creams. It is a rich source of iron for anemic patients and hence it is mainly used in pharmaceuticals formulation.

Palm Candy: Like palm gur, palm candy has also its importance among the products of Neera. It is being produced and used since procuring sweet Neera from palmyra has been known. It has got its various uses in Ayurvedic medicinal preparation as well as direct use.

Therapeutic Value of Palm Candy: Thirst due to excess of heat, urine trouble due to heat and over heat due to smallpox will be cured with palm candy.

Coconut Development Board Exports have been increased as a result of various export promotion activities undertaken by the Coconut Development Board. Export Products are directed at around 84 countries of the world. The Board is planning to undertake export promotion activities in overseas markets by sending trade delegations to potential markets, organizing participation in the important trade fairs/ exhibitions etc. so as to penetrate into new potential markets and to consolidate in the already explored export markets. With an eye on the export market the Board has developed different value added products in association with the leading research institutions in the country viz.

DFRL, CFTRI etc. It is expected that many of these products could find export markets. The Board is also exploring the possibility of exporting particleboards made from the softwood waste of coconut trees and coconut oil based herbal formulations. In order to help coconut products exporters the Board is in the process of setting up a web portal, which would provide export trade lead, and

business trade leads generation. For more information: Coconut Development Board (Ministry of Agriculture, Government of India), Kera Bhavan, Kochi - 682 011, India.

Tel: +91 484 2377266, 2377267 Fax: +91 484 2377902, E-mail: cdbkochi@gmail.com, V isit: www.coconutboard.gov.in Courtesy: Coconut Development Board, Kochi - 682 011

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Genus of plant : Coffea, Family : Rubiaceae Class of plant : Dicotyledoneae Coffee is the most widely used beverage worldwide. Coffee with its caffeine content has a stimulating effect in humans. It is a widely consumed stimulant beverage prepared from roasted seeds, commonly called beans, of the coffee plant. Coffee is a black color beverage, which 260 coffee

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consumers take in the morning itself as bed coffee. It is useful against numerous illnesses, particularly those of the stomach. Coffee was first consumed in the 9th century, when it was discovered in the highlands of Ethiopia. Today, coffee is one of the most popular beverages worldwide.

Coffee berries, which contain the coffee bean, are produced by several species of small evergreen bush of the genus

Coffea. The two most commonly grown species are Coffea canephora and Coffea arabica. Once ripe, coffee berries are picked, processed, and dried. The seeds are then roasted, undergoing several physical and chemical changes. They are roasted to various degrees, depending on the desired flavor. They are then ground and brewed to create coffee.

Coffee can be prepared and presented by a variety of

methods. During roasting, aromatic oils, acids changing the flavor; at 205 °C (400 °F), other oils start to develop. One of these oils is caffeol, created at about 200 °C (392 °F), which is largely responsible for coffee’s aroma and flavor.

Coffee has played an important role in many societies throughout modern history. In Africa and Yemen, it was used in religious ceremonies. Many studies have examined

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the relationship between coffee consumption and certain medical conditions. Coffee appears to reduce the risk of Alzheimer ’s disease, Parkinson’s disease, heart disease, cirrhosis of the liver etc. From ninth century, from the highlands of Ethiopia, it spread to Egypt and Yemen, and by the 15th century, had reached Azerbaijan, Persia, Turkey, and northern Africa, then to Italy, and the rest of Europe, Indonesia, and to the Americas. Even though Coffee is an everyday word, it also has got certain qualifications to claim, unlike any other plant species. The modern Green House concept was first tried with Coffee plants by King Louis XIV of France who was an avid Coffee drinker. Coffee was also the first plant to be grafted, and that apart it was the first plant to spread the whole planet as an agricultural crop. It is believed that Coffee beans first originated in Ethiopia in a region called Kaffa. Historical books mention that roasting of Coffee began around Damascus, because of the availability of a special kind of iron, which could handle the thermal characteristics required for roasting Coffee seeds. It also says that Coffee beans were being chewed raw for many centuries.

Originally Coffee drinking became popular because of Ottoman Sultan who ruled Istanbul. He noticed that Coffee is getting recognition more than he wanted so he banned the trade of Coffee in 1543, but it is a fact that the first Coffee house was established in Istanbul during 1544.

Coffee houses started to spread everywhere, and people used to hang out in these pubs to spend their leisure time listening to music, play some games, and also for discussions. Coffee came to India through a man called Baba Budan who smuggled a few Coffee seeds from Arabia, by hiding it onto his belly. He then planted it in the jungles near Chickmangalur in Karnataka state in south India, where he belongs. Now, this variety officially known as Old Chick supplies one third of India’s Coffee needs, the rest is being imported. India stands 7 th among the top coffee producing country in the world. Brazil and Columbia are the topers. In India coffee is mostly grown in 262 coffee

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Chikkamangalore of Karnataka 3/4 th of Indian market need is fulfilled from Chikkamangalore coffee. Coffee berries and their seeds undergo several processes before they become the familiar roasted coffee. First, coffee berries are picked, generally by hand. Then they are sorted by ripeness and color and the flesh of the berry is removed, usually by machine, and the seeds - usually called beans - are fermented to remove the slimy layer of mucilage still present on the bean. When the fermentation is finished, the beans are washed with large quantities of fresh water to remove the fermentation residue, which generates massive amounts of highly polluted coffee wastewater.

Finally, the seeds are dried; the best, but least utilized method of drying coffee is by using drying tables. In this method the pulped and fermented coffee is spread thinly on raised beds, which allows the air to pass on all sides of the coffee. The next step in the process is the roasting of the green coffee. Coffee may be brewed by several methods: boiled, steeped, or pressured. Brewing coffee by boiling was the earliest method, and Turkish coffee is an example. It is prepared by powdering the beans with a mortar and pestle, then adding the powder to water and bringing it to a boil in a pot. This produces a strong coffee with a layer of foam on the surface. Machines such as percolators or automatic coffeemakers brew coffee by gravity. Ground coffee and hot water are combined in a coffee press and left to brew for a few minutes. A plunger is then depressed to separate the coffee grounds, which remain at the bottom of the container. Because the coffee grounds are in direct contact with the water, all the coffee oils remain in the beverage, making it stronger and leaving more sediment than in coffee made by an automatic coffee machine.

Botanical description of Coffee Coffee has become a vital cash crop for many Third World countries. Coffee is from the family Rubiaceae and an evergreen shrub or small tree that may grow 5 meters tall.

The leaves are dark green and glossy, usually 100–150 millimeters long and 60 millimeters wide. It produces

clusters of fragrant white flowers that bloom simultaneously. The fruit berry is oval, about 15 millimeters long and green when immature, but ripens to yellow, then crimson, becoming black on drying. Each berry usually contains two seeds. Coffee is usually propagated by seeds.

The traditional method of planting coffee is to put 20 seeds in each hole at the beginning of the rainy season; half are eliminated naturally. The first Coffee plants grew wild to a height of 30 feet in the African tropical forests. But in systematic plantation practices the plant is pruned and kept at a height of about15 feet, for easy picking of the Coffee berries. While Robusta is a shrub and grows like a bush spread out with several trunks, the Arabica plant is of a smaller variety. Coffee plant produces white flowers at the axils of the leaves in thick clusters. A ripe Coffee berry is red in colour and when it starts maturing it turns to bright red and then to reddish brown and finally falls down to the ground. As a normal harvesting practice, many planters pick it up from the ground, but most of them pluck it when it turns red in colour. Coffee plants are best grown in higher altitudes in tropical 25 degree latitude on either sides of the equator. To escape the infection of various parasites, Coffee plants are grown at an elevation of 3000 to 6000 feet MSL. Coffee plants does not agree to too much of sunlight, so when it grows on mountain slopes it gets the natural advantage of getting only half a days sunlight. They best suits to filtered or moderate sunlight which peeps though overhead shady trees. Coffee yields for more than 50 years.

Coffee Board Coffee Board is a statutory organization under the Ministry of Commerce & Industry, Govt. of India, constituted under the Coffee Act VII of 1942. The Board consists of a Chairman appointed by the Govt. of India and 32 members representing the various interests like members of Parliament, representatives from Governments of principal coffee growing states viz. Karnataka, Kerala Tamil Nadu and A.P., representatives of large coffee growers, small coffee growers, coffee trade interests, coffee curing establishments, labour interests, coffee growing states 264 coffee

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other than principal coffee growing states, consumer interests, instant coffee manufacturers, eminent personality in the filed of Research/Marketing/ Management/Promotion of coffee. The Mission of the Board is to function as the leader in conducting research, providing extension support to improve production, productivity and quality; undertaking promotional efforts to boost exports and domestic consumption; gathering statistical and other relevant data concerning the industry and disseminate the information to various segments of the industry; to act as the recognized spokesperson on behalf of the coffee industry to the Government, media, trade and general public; and to guide the overall growth and development of the coffee industry in the country. Coffee Board represents the Indian Coffee Industry in various international forums like International Coffee Organization (ICO), International Science Organizations, Specialty Coffee Associations etc and associate with them for the overall benefit of the coffee industry. Conduct focused research on coffee to achieve improved production, productivity and quality. Transfer of technology from lab to land and implement various development programmes like replanting, new planting, water augmentation, quality up-gradation etc. through the extension network spread all over the country.

Carry out various export promotion activities like participation in overseas trade fairs, organizing Buyer-Seller Meets, Coffee Tasting sessions, visits of Roaster delegations from abroad to Indian Coffee tracts etc. Take up domestic promotion efforts to increase domestic consumption. Regular dissemination of market information. To provide policy formulation advice to Government relating to coffee. Provide necessary support to the planters in crisis and carry out necessary Labour Welfare Measures. Help upgradation of quality of coffee produced in India. Various other coffee industry related issues coming up from time to time. For more information: Coffee Board, Ministry of Commerce and Industry, No.1, Dr. B.R. Ambedkar Veedhi, Bangalore - 01, Tel: +91 80 22266991- 6994, Fax : +91 80 22255557, Email: adpdkn@gmail.com, Web: www.indiacoffee.org

Tea industry occupies an important place and plays a very useful role in the national economy mainly due to its preeminence as a foreign exchange earner and its contributions to the country’s GDP. Over the years, India has emerged to be the world leader in production, consumption and export of tea with over 30% share of the global production. It is perhaps the only industry where India has retained its leadership over the last 150 years.

Tea production in India has a very interesting history to it.

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Tea plantations are mainly located in rural hills and backward areas of Northern Eastern and Southern states.

The major tea growing areas in India are concentrated in Assam, West Bengal, Tamilnadu and Kerala. The other areas growing tea to the extent is Karnataka, Tripura, Himachal Pradesh, Uttranchal, Arunachal Pradesh, Manipur, Sikkim, Nagaland, Meghalaya, Mizoram and Bihar. Tea known as Cha, Chai in India and in Sri Lanka is a very common drink, sipped regularly during the mornings and evenings.

Courtesy demands most of us to offer Tea to our guests both at homes and in our offices. During conferences and business meetings an interval is set apart known as Tea break. It is a common phenomenon to find Tea shops particularly in India and in most Asian countries. In Kerala it is called Chaya Kada in Tamilnadu it is called Tea Kada and in northern parts of India it is called Chai Ki Dukhan. It is a pleasure to watch the tea makers making tea for their customers.

India is the largest producer and consumer of black tea in the world. Tea is grown in 15 States in India, of which Assam, West Bengal, Tamil Nadu and Kerala account for about 95% of the total tea production. The traditional States where tea is grown to a small extent are Tripura, Himachal Pradesh, Uttarakhand, Bihar and Karnataka. The non-traditional States that have entered the tea map of India in the recent years include Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland, and Sikkim. The

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teas originating from Darjeeling, Assam and Nilgiris are well known for their distinctive quality the world over. Tea exports contribute foreign exchange into the country; the sector also contributes revenue to the tea growing states and national exchequer by way of VAT, agricultural and corporate income tax, etc. The tea industry provides direct employment to more than a million workers, of which a sizeable number are women. Additionally, more than six million people derive their livelihood from ancillary activities associated with the industry.

Botanical description of tea Botanists call Tea as Camellia sinensis, which belong to the Theaceae family, a Tea family member. They have recognized that tea come in two varieties. One is Camellia sinenses var. sinenses which has come from China and the other is Camellis sinensis var. assamica from Assam or can be called as Indian Tea. Even though Tea is an evergreen shrub who can grow up to a height of 17 meters, it is pruned and kept at a height of 2 meters for easy harvesting of the buds and shoots. They have bright shiny greenish leaves with a hairy underside. Its flowers are aromatic and will be single or in clusters of 2 to 4. The brownish-green fruits contain 1 to 4 of spherical shaped or flattened seeds.

History of Tea Tea has a history dating back to 4500 years. Chinese mythology says that in 2737 BC, the then emperor, Shen Nung, who was a Scholar as well as an herbalist had the first cup of Tea in the world, and that too as an accident.

The story goes like this. The Emperor’s servant was boiling water while they were out in the forest; suddenly a leaf fell into the bubbling water, but the Emperor instead of removing the leaf decided to try the brew. This is how the first cup of Tea originated in the world. Later, tea was researched out for its properties as a healthy refreshing drink. The benefits of Tea drinking derives from the many stories which were told as well as written, mainly during 270 tea

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the third century AD, and from the Tang Dynasty (618 AD – 906 AD) Tea was declared as China’s national drink, and also the word Ch’a was used as the term to describe tea.

Chinese author Lu Yu was the first person to write a book about Tea, which was titled Ch’a Ching. It comprises of three volumes, and explains in detail about its growth, making and also about it’s drinking. It also had illustrations of many utensils, historical notes, names of ancient famous tea plantations etc. There was also a mention about the Japanese Tea Ceremony and how it inspired the Buddhist priests. The Chinese were sole suppliers of tea to the world till the Japanese broke their stranglehold in the 9th century and the first business rivalry was kicked off. Tea time for India and indeed the rest of the western world began with the advent of the British. According to records, the seeds of Darjeeling tea – often called the champagne of teas – were planted in 1841. But commercial production began only in 1852. The second half of the 19th century saw a massive expansion of tea cultivation in India.

Amazing strides Today Indian Tea Industry is having about 1692 registered tea manufacturers, 2200 registered tea exporters, 5548 number of registered tea buyers and nine tea auction centers. The total turnover of the tea industry is around Rs. 10,000 crores. Since independence tea production has grown over 250%, while land area has just grown by 40%.

There has been a considerable increase in export too in the past few years. Total net foreign exchange earned by Indian tea industry per annum is around Rs 1847 crores.

The labour intensive tea industry directly employs over 1.1 million workers and generates income for another 10 million people approximately. Women constitute 50% of the workforce. The Indian tea industry has grown to own many global tea brands, and has evolved to one of the most technologically equipped tea industries in the world.

Tea trading Tea trading in the domestic market is done in two waysAuction and Private Selling. Six major auction centers in

India are, Calcutta, Guwahati, Siliguri, Cochin, Coonoor, Coimbatore. The export market for Indian Teas are mainly in the Russian and CIS countries with 90 million kgs of the total exports going to these countries. This is equivalent to 43% of India’s Tea exports. India exports Tea to most of the European Countries, U.S.A. Japan, West Asia and the Asia Pacific Region. In fact, there is hardly any country where Indian Tea is not found. The range of tea offered by India - from the original Orthodox to CTC and Green Tea, from the aroma and flavour of Darjeeling Tea to the strong Assam and Nilgiri Tea- remains unparalleled in the world.

Tea production, certification, exportation, and all other facets of the tea trade in India is controlled by the Tea Board of India.

Tea Board Tea Board was set up as a statutory body on 1st April, 1954 as per Section (4) of Tea Act 1953. As an apex body it looks after the overall development of the tea industry. The Board is headed by a Chairman and consists of 30 members appointed by Government of India representing various interests pertaining to Tea Industry. The Board’s Head office is situated in Kolkata and there are two zonal offices — one for North Eastern Region at Jorhat in Assam and another for Southern Region at Coonoor in Tamil Nadu.

Under the control of these offices there are ten field offices spread over in all the major tea growing states. It has also three overseas offices at London, Moscow and Dubai whose activities are mostly promotional in nature. Tea Board has wide functions and responsibilities which include extending financial and technical assistance to the tea growers, manufacturers and producers, workers welfare, export and domestic promotion, quality improvement, regulating and control of various facets of tea trade including that of Tea Auctions, facilitating R&D activities, collection, collation and dissemination statistical data etc.

For more information: Tea Board, 14, B.T.M. Sarani, Kolkata 700 001, Ph: 033 2235 1331, Web: www.teaboard.gov.in

Over the years, man’s desire for decorating his place of living with natural and sustainable methods has been on the rise. The latest fashion accessory is coir. Being natural and eco-friendly, Coir comes in an exquisite range

of colours and combines elements of good designs with functional value for the home or office. What distinguishes coir from other alternate products is the unique comfort it provides regardless of the climate, that perfect warmth

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during winter and a cool feeling during summer.Coir it saves earth, adds life and beauty to our interiors. Coir, one of the most versatile materials man had ever extracted from Mother nature, has travelled a long way since its humble beginnings in Kerala centuries back. Today, in its multifold manifestations coir touches every facet of man’s life and activities from door mats to rugs, rubberised coir mattresses, decorative rugs, tufted carpets, geotextiles, garden atricles and wood substitutes. Through centuries the Indian Coir has carved a niche for itself and created a genre of its own, only because of its superior quality and the excellent craftsmanship this sector have. The Indian Coir is unique for its rich golden colour and texture. Now coir is not just a door mat. The green movement has launched coir into a hot commodity globally. Coir is available in a mindboggling range, from live-in-style products to geotextiles and garden articles.With the green waves riding high, definitely coir is making a lifestyle fashion statement as it is ecofriendly, durable and affordable. Coir is a bi-product of coconut. Coconut rooted its presence from the Vedic period itself in India. Valmiki had given references about coconut in Ramayana.

Marcopolo the famous traveler called coconut as ‘Indian nut’. As per studies historians argues coconut cultivation started in Kerala after the arrival of Portuguese. Ropes and cordages made from coconut fibres were in use from centuries ago. Indian navigators used coir as ship’s cables and for riggers even during ancient times. The first coir industry was recorded to be in U.K, and first coir factory in India, in Alleppey of Kerala. As per records 1859 is the year when an Alleppey factory started producing coir, coir mats, mattresses, floor matting etc. The wide sandy beaches of Kerala on the west to the Western Ghats are glorified with the presence of coconut. This tree which belongs to the Palmacea family with long slender pinnate leaves is known as ‘Kalpavriksha’. From the top to bottom this tree is used for various purposes. Name of the state

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Kerala itself means the Land of Keras (coconut trees). Husk of the coconut is used to make coir. In olden days this husk was thrown away as a waste or used as a fuel. Later this waste husk became the hero of Kerala economy. Total world coir production is approximately 250,000 tons.

Developing world gives more importance to this Industry and 90% of the production is shared by India and Sri Lanka.

Out of this 60 % of the production is mainly from Kerala especially Alleppey district. Costal districts of Alleppey and Quilon are the major producers of coir among which Alleppey can be considered as the nerve of coir industry.

Over millions of people are employed in this cottage industry which is the largest traditional Industry of Kerala.

Both men and women are employed in this industry.

Women are mainly involved in the yarn spinning sector and the men in the product weaving sector. Most of the families in Alleppey District earn their livelihood through the coir industry. A journey through the Alleppey district will explain the power of coir in this area. This district itself is blessed with a mind blowing natural scenic beauty with a lot of lakes, ponds, inter-linked canals. All this environmental blessings expresses that this coir industry is especially meant for the Alleppey people, though they promote tourism also to maximize the exploration of the natural treasures blessed by the God. Presence of coir products can be seen every where with great importance.

Coir ropes to coir mattress, various ranges of products are now produced by coir industry. Coir ropes are used in agricultural sector to industrial sector, ranging from different strength to measures, thickness to length. Lot of families in Alleppey earns their livelihood by producing hand made coir. Government gives full support to this sector by helping to form societies and marketing federations etc. Coir mats are made very beautifully and used in houses, vehicles and commercial concerns etc. Various designed door mats are available in the market. Car mats for all types of vehicles are produced at par with the production of new generation vehicles. Coir mattresses

are supposed to be the best for health conditions if we sleep in this. Coir net cots were used in Kerala from very ancient period onwards. These mattresses compete even with the latest sponge mattresses in quality and price wise very competent. So many handicraft products are also made by coir. Colorful, attractive antique looking products made of coir attract not only Indians but also tourists from foreign countries. Attraction for coir products also started many years back. Coir products attract export business in its new fashion than from the olden style. Now all the coir products are exported and our country earns a good amount of revenue from this. The traditional values of our state also are connected with every functions and festivals we celebrate. The bio-factor in this industry is very important as the waste has been converted to such an economically valuable product. The pith and dust removed after taking the fibres for coir production are biodegradable and believed to be useless. Now this also is used for mulching, soil treatment and as a hydroponics growth medium.

Researches and new innovations are donated from the coir field in many ways. Rubberized coir products also now get an attraction and importance in the market. Small to big emporiums, highway side shops to coir show rooms in the state shows the importance of coir in the minds of Kerala.

The Coir Industry Coir industry is a traditional, labour intensive, export oriented, agro based cottage industry. The industry originated in the State of Kerala centuries ago and over the years it has spread over to other coconut growing States like Tamil Nadu, Karnataka, Andhra Pradesh, Orissa, West Bengal, etc. Coconut husk which was considered as a throw away material of the coconut is the basic raw material of this industry. The industry therefore generates wealth from waste. The industry employs more than half a million people and majority of them are from rural areas and belonging to economically weaker sections of the Society.

80% of the workforces are women. The industry is of great significance to the coconut producing States of India as 278 coir

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coconut husk, the raw material for Coir industry, is available in abundance in regions of concentrated cultivation and this can be used for generation of income to a sizeable amount of population with relatively low investment. Coir industry is an export oriented industry and coir and coir products are exported to more than eighty countries all over the world. Coir fiber is extracted from the outer cover of coconut known as Coconut husk either by a process known as retting, practiced in the State of Kerala or by mechanical decortications in vogue in States other than Kerala. The fiber extracted from green coconut husks by the process of retting is known as ‘white fiber’ and the fiber extracted from dry husks/green husks through machineries is known as ‘brown fiber ’. The fiber is spun into coir yarn and a wide range of coir products are produced out of coir yarn. In Kerala, the coir manufacturing and its export is generally concentrated in some major areas. Ernakulam, Cherthala, Alappuzha, Kayamkulam and Kollam are the important among them.

The Coir Board The Coir Board was set up under the Coir Industry Act, 1953 by the Government of India, for the overall sustainable development of the Coir industry in India. The functions of the Board as laid down under the Act include undertaking, assisting and encouraging scientific, technological and economic research, modernization, quality improvement, human resource development, market promotion and welfare of all those who are engaged in this industry. With the concerted efforts of the Coir Board and the State Governments concerned, the production of coir fiber in the major coconut producing States have been making a steady progress during the past three decades. In the wake of globalization and liberalization, the Board has assumed the role of a promoter and facilitator rather than that of a regulator.

The Coir Board, the apex body for promotion of coir in the country, has completed more than fifty years of its service

to the Indian Coir Industry. For the coming years the Board has lined up a host of promotional activities. Product based marketing missions will be sent to selected potential markets abroad besides undertaking generic publicity through selected trade magazines. Participation 280 coir

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in more international exhibitions is another area for pushing exports. Efforts are also under way to encourage exporters for better utilization of provisions under the Market Development Assistance Scheme. This can boost existing markets as well as explore new ones. The results

of the effort made by the Board had seen record achievements in export and domestic markets during 201011 onwards. The Board has entered a contract with DGS & D, Government of India in order to promote domestic market. On receipt of the contract, the Board is looking

forward for a leap jump in the domestic market avenue.

Government of India has sanctioned a scheme is called Rejuvenation, Modernization and Technology Upgradation of the Coir Industry (REMOT). The scheme aims at the integration and development of units which are in

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the small and medium sector. The scheme would provide more employment opportunities for women in the rural sector for gender empowerment. Government also aims at more profitable and sustained employment for 282 coir

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traditional industry artisans and rural entrepreneurs through the Scheme of Fund for Regeneration of Traditional Industries (SFURTI). The sole aim is to make traditional industries more competitive with more market driven,

productive and profitable. Twenty six clusters have been identified for the Coir Sector for the implementation of the project. These clusters are from various coir producing states viz. Kerala, Tamil Nadu, Karnataka, Andhra Pradesh,

Orissa, Gujrath, Goa, West Bangal, North East Region, A&N Islands and Lakshadweep. For more information: Coir Board, M G Road, Kochi-682 016, Tel: +91 484 2351807, 2351788,Fax: 2370034, Web: www.coirboard.gov.in

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