A growth in income is accompanied by growth in savings but also the dread of taxes. As we approach the end of a financial year, our research on tax-saving schemes increases. While we are all aware of numerous insurance policies and mutual funds that are beneficial, a majority of us might be ignorant about how to use a demat account for tax saving.

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A demat account, or dematerialised account, is basically an electronic safe for storing your securities or tradable financial assets. Stock trading, mutual funds and other securities can be stored in these online accounts. Demat accounts provide paper-free security transactions at the investor’s convenience. Individuals can choose to open demat accounts from the comfort of their home as banks and broking agencies offer online account opening facilities.

Usually, a layman may have inhibitions in trading due to the fear of probable losses. But a smart trader reaps the benefits of demat account by investing carefully and managing losses efficiently. Of course, profits earned through securities held in a demat account will have to bear tax. But there are certain schemes that allow you to allow tax saving through demat accounts.

To get a better understanding of the kind of taxes attached with these accounts, let’s look at a few common terms that are associated with dematerialised accounts.


There are certain companies that distribute a percentage of their earned profits to their shareholders. Investors can enjoy this dividend that will be credited into their demat accounts on a regular basis. When the investors sell off these shares, tax will be levied on the profits earned through this trading. However, the dividend is tax free and thus investors can enjoy it as an additional saving.

Capital Gains

These are the profits earned from selling shares to another investor at a profitable price. These are both short term and long term.

Short-Term Capital Gain

If an investor sells shares at a higher price within a year of purchase, the profit earned is known as short-term capital gain. But, it’s important to remember that investors will have to pay 15% tax on this profit.

Short-Term Capital Loss

Shares sold at a loss within a year define short-term capital loss. But these losses can be balanced with the taxes levied on short-term capital gains. Investors have the freedom to compensate this loss with short-term capital gains under any asset class.

Long-Term Capital Gain

If an investor holds on to shares for more than a year, they are eligible to earn long-term capital gain. Initially, no tax was levied on long-term capital gains. This allowed investors to save on taxes by retaining shares for longer periods in their accounts. However, the 2018 budget amended this rule and today 10% tax is charged on long-term capital gains.

Long-Term Capital Loss

Sometimes, shares stocked for a longer period of time in the hope of earning profit, end up in losses. These are termed as long-term capital losses, which can also be balanced against the taxes levied on long-term capital gains. This way, an investor can save on taxes incurred on short- and long-term capital gains.

Carry Forward Loss

For investors who have faced many short-term losses, the ideal option is to carry forward the loss up to 8 years. But the only condition here is that the loss is balanced in the same asset class. This is beneficial in the long run as the investor can reduce his profits and the subsequent taxes on these profits.

Possibly one of the most favorable ways to invest and save on tax is an Equity-Linked Saving Scheme [ELSS]. This allows individuals to invest in securities and enjoy quick growth and dividends while simultaneously saving on taxes. It’s a one-time investment opportunity, with a lock-in period of 3 years.

To sum up, using a demat account for tax saving encourages shareholders to invest well. And with a fair understanding of market trends, investors can manage gains and losses to earn more income while saving big on tax.

There are number of technical conferences being held every year and major focus of all these conferences is to keep  the crowd updated about what are latest trends in the industry & how the overall industry is surging ahead to embrace that change. Seldom do we come across a conference that can cover topics related to Open-source, Cloud computing, Artificial Intelligence,  Machine Learning, Blockchain, Analytics, etc. in one single day! We had an opportunity to attend the IBM Developer Day which was held on 14th March, 2019 in Bengaluru. True to it’s promise Build [Smart], IBM gave detailed insights into ‘all things technical‘ and ‘all things eco-system‘ at this year’s IBM Developer Day.

The audience which comprised of students, IBM partners, seasoned technologists, entrepreneurs, bloggers, etc. were excited to attend IBM Developer day had four major reasons

  • Hands-on coding – A separate session for coders where you get assistance from the IBM technical team to build apps in 15-minute Code Labs session
  • Technical Workshops – Exciting workshops led by their development team shared insights into the latest technologies & open-source technologies.
  • Tech Talks – Seasoned IBM technologies, as well as young talent at IBM conducted 20+ sessions on Blockchain, AI, Open Source, Cloud Computing, etc.
  • Ask IBM Anything – There was a sufficient amount of time given to the audience after every session so that they could interact with the speakers & other technologists of IBM.
  • Eco-system Development – Major details were shared about initiatives like Call For Code, Girls of Code and more.

Opening Keynote – Sriram Raghavan, Vice President of IBM Research AI

The event commenced with an inspiring keynote by Sriram Raghavan, Vice President, IBM Research AI. He touched upon how the technological landscape is changing every single day and how this change can fuel the passion for learning new-age technologies like Machine learning, AI, Blockchain, etc. There was major thrust laid on collaborative learning and using technology for good. He particularly cited example of the ‘Kerala Floods’ where developers came up with simple apps to keep people updated about the situation.

He also spoke about open source and IBM’s commitment towards open-source. The keynote was ended at an inspiring one-liner ‘Open Source has become the corner stone of technology innovation‘.

Opening Note – Ginni Rometty, Chairman, President & CEO of IBM

The event commenced with an opening note by Ginni Rometty, Chairman, President & CEO of IBM where she spoke majorly about the work that IBM has been doing around open-source technologies. There are many developers & technologists who had the myth that IBM is not contributing much to the open-source community and this opening note was an eye-opener for everyone. Ginni Rometty stressed upon the commitment & expertise that IBM has towards open-source technologies and how the team at IBM has been contributing to open-source long before IBM acquired Red Hat.

As the crowd comprised of a mix of people with different levels of experience, it was important to let developers [especially students & newbie developers] know about the learnings they can acquire by contributing to open-source. She aptly explained the key advantages of open-source contribution and how it can help developers build knowledge & expertise by learning from the community. To summarize, in the opening key-note, the president & CEO of IBM reaffirmed IBM’s commitment to open source technologies in three guiding principles

  1. Open Governance
  2. Open Collaboration
  3. Giving back to the open source community

You can watch the entire opening note session by Ginni Rometty below

Panel Discussion on Development & Open Source

Since developers are the ones who are coming up with innovative applications, a panel discussion on open-source was a must have in this conference. The panelists cleared some of the myths that are associated with open-source i.e. open-source code is buggy, no particular channel is there to file bugs, contributor fragmentation, etc.

The panel reiterated on how open-source technologies can be leveraged to develop applications and how startups can use these technologies to quickly prototype their ideas. With low-cost hardware and open-source software, technologists can now convert their ideas into reality at a fraction of a cost. They are also emphasized that students & lesser experienced developers can also contribute to open-source technologies and how they can enhance their skills & knowledge in doing the same.

Last but not the least, all the panel members were of the point that developers have an exciting opportunity ahead and they should look forward to solving real business-problems to give wings to their dreams. This means that they should think out of the box as they already have innovative technologies at their rescue!

Talk on Developer eco-system & Cognitive Computing

Bob Lord, Senior Vice President, Cognitive Applications, IBM spoke about IBM’s expertise in cloud computing and how enterprises & developers can make use of cloud technologies & cognitive computing systems to solve real-world problems. There was a particular mention about code patterns that can be used by developers to get started. There are code patterns on Blockchain, TTS [Text to Speech], usage of Kubernetes clusters for usecases on Blockchain, usage of Watson services, etc.

Shraddha Sharma of YourStory who is an inspiration to many young entrepreneurs spoke about the importance of telling stories that can create a meaningful impact on everyone. She emphasized that a path breaking product needs a wining story so that it can connect with the audience [whether it is developers, entrepreneurs, or enterprises].

IBM announced its partnership with NASSCOM to catalyze the developer community. KS Viswanathan, Vice President [Industry Initiatives], NASSCOM, Bengaluru, said

We are witnessing remarkable growth in the ecosystem propelled by innovative thinking where technology plays a revolutionary role. We believe that our association with IBM will not only catalyze the developer community but will also help design path-breaking solutions for disaster management and preparedness for society at large.

IBM also announced number of programs for developers, some of the key one’s are mentioned below

  • Code and Response – IBM announced that in its very first year of ‘Code and Response’, it will pilot Project Owl that won the Call for Code 2018. You can find more about Project Owl here.
  • Girls of Code – IBM announced collaboration with state governments across India where the company would empower more than 2,00,000+ women & girls in government schools to create ‘new collar jobs’ over a period of next three years. More than 50,000+ participants  from Girls of Code would also get an opportunity to participate in ‘Code and Response’ hackathons that are held at a global level by IBM.
  • Call for Code – Call for Code is a global initiative by IBM where start-ups, technologists, government organizations, enterprise developers, etc. can be seen under one platform. The registrations for the Call for Code 2019 Global Challenge are still open and you can find more about the developer challenge here.

India Developer Champions – Recognizing contribution to Open Source

Along with the above mentioned initiatives, IBM in co-operation with the Ministry of Electronics and Information Technology [MeitY] and NASSCOM announced ‘India Developer Champions‘, a new multi-year program that recognizes developer contributions to the open source community.

The program will create a single, unified platform to acknowledge outstanding developer work in open source, the key driving force behind groundbreaking technologies that are impacting millions of lives every day in India and around the world. Since developers are the torchbearers of innovation in business and society, IBM expects thousands of nominations from passionate developers, as well as from enterprises & startups. If you are excited about this opportunity, you should sign up to become an IBM Coder.

Demo Booth

There were interesting set of demos by IBM developers and their enterprise partners. There were couple of demos that demonstrated how enterprises can leverage the capabilities of Watson & Cognitive computing to solve problems in different sectors like e-commerce, manufacturing, etc.

The demo that caught our attention was a Brain football game titled ‘War of Minds‘ where headsets [which had number of sensors including sensors that could read your brainwaves] were used by participants to move a football around the field. If you need further insights, we recommend you to read the whitepaper titled Can we communicate just by thinking?

Bloggers Round-table with IBM Leadership team

The IBM Developer eco-system led by Johanna Koester – Director, Worldwide Developer Advocacy answered questions on Hybrid Cloud, Red Hat acquitsition, etc. from limited set of bloggers who were invited for the round-table. Some of the questions that the IBM team patiently answered were

  • IBM’s contribution to open-source and future plans of Red Hat [at a very top level].
  • Advantages of using IBM’s Hyperledger which is an open source blockchain platform for business.
  • Feedback from bloggers on how they can make use of individual developer communities to drive more developer engagement.
  • IBM’s role in building a last mile eco-system for developers from schools, tier-2/tier-3 universities & institutions.

If you have attended the #IBMDevDay, do leave your experience in the comments section and if you are a developer, do not forget to signup as a IBM Coder.

Related read – We earlier interacted with Seema Kumar, Country Leader – Developer Ecosystem & Startups, IBM. Be sure to catch the insightful interview here.

Vodafone Idea Limited, India’s leading telecom operator and Zee Entertainment Enterprises Limited [ZEEL] announced a strategic partnership for ZEE5 – the fastest growing OTT platform in the country. Under the strategic partnership, aimed at driving the growth of digital ecosystem in India, the content portfolio of ZEE5 will be available to Vodafone Idea customers on Vodafone Play as well as Idea Movies & TV app.

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Customers of Vodafone Idea can now enjoy the entire content catalogue of ZEE5 thereby providing a seamless viewing experience via multiple devices. The association between the two industry leaders will help create a beneficial ecosystem for viewers that will drive the growth of video viewing in smaller cities and towns in times to come. The content of ZEE5 can be accessed by customers through Vodafone Play or idea Movies & TV app.

The ZEE5 content is available across 12 languages like English, Hindi, Bengali, Malayalam, Tamil, Telugu, Kannada, Marathi, Oriya, Bhojpuri, Gujarati & Punjabi across genres like Kids content, Cineplays, Live TV and Health and Lifestyle content.

Commenting on the partnership, Avneesh Khosla, Operations Director – Marketing, Vodafone Idea Limited said

Our customers are constantly seeking rich and diverse content options and we aim to provide enriched entertainment to our customers by offering high quality content on Vodafone Play and Idea Movies & TV. We are happy to partner with ZEE5 and bring their library of content to our customers.

Our insights on customer preferences, salience and relevance along with ZEE’s deep understanding of the Indian content viewership habits are being brought together through this partnership. We are happy to offer the entire catalogue of ZEE5 along with 2 exclusive channels to our customers as an introductory offer.

Speaking about the association, Tarun Katial, CEO, ZEE5 India said

ZEE5 and Vodafone Idea lend themselves to a complementary partnership. Having established ourselves as the fastest growing OTT platform in India with the largest repertoire of content, we have attracted subscribers across geographies and demographics.

We have an ambitious growth plan charted out for us and through this partnership with Vodafone Idea, India’s largest telecom company, we will leverage synergies between the brands and further bolster our presence across the country.

Through this alliance, Vodafone Idea subscribers will be able to access the content repertoire of ZEE5

  • LIVE TV offering of ZEE’s Network content on Vodafone Play and Idea Movies & TV through ZEE5 app

Real-time broadcast of shows that are being telecast on any of the ZEE channels including Hindi and regional channels – ZEE TV, & TV, ZEE Anmol, Zing, ZEE Marathi, ZEE Tamil, ZEE Bangla, ZEE Yuva, Sarthak TV, ZEE Kannada, ZEE Cinema, ZEE Action, & Pictures, ZEE Café, & flix, ZEE ETC and so on

  • Unrestricted catch up of ZEE Network content through ZEE5 app

Customers will be able to access the ZEE5 content library including TV shows, movies and Before TV content

  • Vodafone Idea customers will get access to ZEE5 premium subscription which includes Original shows and films, premium movies, digital movie premieres of upcoming blockbuster films, etc. as an introductory offer

Vodafone Idea subscribers will have access to the complete content portfolio of ZEE5 that includes the original web-series in Hindi and regional languages [including dubbed versions]

ZEE5 offers original content in six languages – Hindi, Marathi, Bengali, Tamil, Telugu and Malayalam

Customers will also get unrestricted access to the entire movie library on the platform including digital premieres, acquired content, original films and so on

  • The highlight is 2 exclusive linear digital channels including Zee Theatre – premium theatre content to be available on Vodafone Play and Idea Movies & TV app

ZEE5 is India’s fastest growing entertainment OTT destination that has invested heavily in acquiring and producing content that will resonate with a cross-section of viewers across the country. As of December 2018, ZEE5 has 56.3 mn monthly active users, who spend an average of 31 minutes on the platform per day. ZEE5 has consistently been amongst the top-5 free and grossing entertainment apps in India as per the Google Play store rankings.

In a first of its kind initiative, in the past quarter, ZEE5 launched regional subscription packs for Tamil, Telugu and Kannada users. These tiered SVOD packs enable consumers to watch premium content in a language of their choice at half the price. Subscribers of these packs are also able to watch their favourite TV shows hours before they are aired on television later in the day. This offering has helped ZEE5 gather subscription momentum in the south Indian market.

Coworly, an online co working space reservation business, has announced the launch of its operations in Delhi-NCR region. Coworly aims to reshape the way professionals search for and compare co-working and alternative office space solutions.The platform allows professionals to make informed decisions by personalizing their office space search and providing them access to a deep supply of co-working company’s information and prices.

Image Source – CoWorking

Coworly enables its partners/advertisers to grow their businesses by providing access to a broad audience of professionals via its websites and app. As of December 31, 2018, Coworly has partnered with 55 co-working space providers serving more than 1000+ bookings per month. The platform currently provides solutions across Delhi, Gurgaon, Faridabad and Noida and aims to enter five markets in the country in 2019.

Speaking about the launch, Sandeep Singh, Founder- Coworly said

Coworly aims to help professionals and freelancers find the best solution for their office space needs. The platform brings together space providers and customers by giving them options according to their needs and in their budget.

Co-working sector has seen exponential growth in the country in past 5 years and with more than 350 operators looking to tap into the market, the customers have pool of options to choose from. We identified the need for a platform which will bring together all the players and make it easier for customers to compare and choose the best suited option in their budget. We plan to enter more markets like Bangalore, Mumbai, Chennai and Hyderabad soon as these markets are seeing huge demand for such flexible workspaces.

Other than providing smooth experience in booking office spaces to customers, Coworly also helps their partners to manage their inventory and resources through its own SaaS based software.

About Coworly

Coworly is a flexible space as a service provider offering meeting rooms, conference rooms, training rooms.Launched in 2018 and serving more than 1000+ bookings per month.Our customers start from an entrepreneur to large corporations. 50+ space providers across India trust Coworly to accept bookings on their behalf and growing rapidly. It is a backed by a small team of 5 people, who are making Coworly a service loved by professionals to achieve more in less time. For more information, please visit Coworly

Indian Angel Network, Asia’s largest network of Angel investors, has invested Rs. 3.5 crore in Pune-based start-up SparesHub, an automobile parts start-up. SparesHub will utilize the funds for its geographical expansion and to strengthen its technology capabilities. The funding was led by Indian Angel members Neeraj Garg, Harsh Gandhi, and Ankur Agarwal.

Founded by Tapas P. Gupta and Arijit A. Chakraborty, the SparesHub team currently comprises 27 employees. It solves the problem of the unavailability of, and over-expensive, automobile parts which result in a significant loss of time, money, and efforts for car owners in India. Since its inception, SparesHub has been working to dis-intermediate and digitize the automobile parts industry in India.

To this end, it is introducing modern supply chain and logistics methodologies in the industry, and caters to B2B customers. SparesHub works with India’s leading car companies and part manufacturers to make OEM and OES parts available to its customers [multi-brand service centres, service aggregators, fleet owners and insurance companies]. Existing investor Holomua Group Inc, also participated in the investment round.

Padmaja Ruparel, President and Co-founder of Indian Angel Network, added

The decision to invest in SparesHub was taken after a careful assessment of the business, the team’s vision, and its strategy to achieve the same. The company has the makings of a modern tech-based venture, with a unique business model, a strong technological framework, a product that fills a major gap in the market, and of course, a strong team. We are confident that the team will continue to enhance its product and build its USP, and emerge as one of the leading players in its domain.

Tapas Gupta – CEO of SparesHub, commented

Our mission is to create a whole new level of customer delight by leveraging technology. SparesHub is challenging the traditional methodologies and bringing in global best practices in the automobile parts supply chain and logistics domain.

We are truly grateful for the funding from Indian Angel Network and the faith they have shown in our business model, and we hope for a long and fruitful collaboration with the Network.

Indian Angel Network is Asia’s largest network of angel investors that invests in early-stage businesses, which have the potential to create disruption. The members of the network are leaders in the entrepreneurial ecosystem with strong operational experience as CEOs or a background of creating new and successful ventures. IAN goes beyond the normal, informal, local club structure of angel groups to a larger institutionalized model because of its nimble but robust, standardized, and transparent processes that allow it to scale across geographies and a large number of members.

HDFC Capital Advisors, the real estate-focused fund management arm of HDFC Ltd, and new-age developer Tribeca have announced a platform to develop premium mid-income housing projects in Mumbai and Delhi NCR.  The platform will invest Rs. 500 crore through a combination of debt and equity into projects that Tribeca will develop.

This platform will leverage Tribeca’s asset light model of acquiring projects from existing developers through ‘Joint Venture’ and ‘Development Management’ structures, and seeks to benefit from the consolidation underway in the Indian residential sector. 

HDFC Capital has already invested Rs. 135 crore towards the first project in this platform, a 1 million sqft. residential project in Gurugram, to be developed by Tribeca. This project will feature an innovative master plan consisting of 600 homes in low-rise and mid-rise blocks around a 4-acre central forest.

Deepak Parekh, Chairman, HDFC said

Housing remains a crucial need in India and the demand for housing is expected to grow substantially with increased urbanization. HDFC’s endeavour is to participate in the huge opportunity of mid income and affordable housing in the country. We are committed to partnering with developers who are aligned with our vision and values.

We are happy to announce this investment with Tribeca, a new generation developer. This association will help address the demand-supply gap in affordable housing and will ensure that flexible financing is provided to quality developers.

Kalpesh Mehta, Founder of Tribeca Developers, said

We are excited to have HDFC’s support at this opportune time when India’s residential sector is witnessing significant consolidation. This partnership helps us materially scale up our business and gets us closer to our vision of building a product and customer centric residential brand.

Vipul Roongta, Managing Director and CEO of HDFC Capital Advisors, added

Tribeca is a new age developer that is bringing a fresh perspective to this industry. We are looking forward to back them to create what we believe will become a scalable platform.

Uncertainty is the only certain thing in today’s world! With an increase in the rate of critical- diseases like cancer and sky-touching cost of healthcare services, having a mediclaim insurance has become a need. The mediclaim policy protects the insured person from sudden financial loss due to hospitalization.

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Just like health insurance plans, selection of the health insurance company is crucial in order to avoid any future complication. Selections of an insurance company can be tricky as well as very uninteresting task. Certain factors related to the insurance companies that highly influence the overall experience of policyholders. Here are tips to choose the right health provider:

History of the Company

Start researching the history of medical insurance companies before deciding the right health insurance provider. Consider their active years in the insurance market along with their mission, vision and values.

Legal Recognition

Choosing an insurance company that is accredited by the government is always good because such recognized companies do ethical business by following the rules and regulation made by the government.

The Financial State

Most of the insurance companies work with independent rating and analysis agencies. These agencies review the financial strength of the insurance companies by reviewing their assets and market research. According to their analysis, rating agencies score to the insurance companies and their products. A higher score indicates that the particular insurer is doing financially able to settle the claims.


There are many insurance companies providing most types of insurances like a vehicle, health and so on. However, insurance companies are specialists of individual insurances. Check whether a particular company is a specialist in providing health insurances.


Select the health insurance or mediclaim policy that provides coverage for all needs.


The premium for health insurances helps a lot in selecting the insurer. Premium is the amount paid by the purchaser to buy a mediclaim policy. Lower premiums do look attractive, but their coverage can be lower than need. The premium should be cost-effective in comparison with similar insurance companies.


The amount policy-holder pays after filing a claim is deductible. Companies offering health insurance policies with low deductible generally ask for a higher premium and vice versa.

Facilities provided by insurance provider

Check whether the health insurance company provides facilities like cashless payment, online claim reporting, etc. These facilities are extremely helpful at the time of hospitalization as the entire intention behind buying health insurance is to reduce the burden of cash management at the time of hospitalization.

Claim Settlement Ratio

Every insurance company has its own rules and regulation to settle claims, which are described in the policy document. As per those, they settle every claim filed which eventually determines the claim settlement ratio. In simple words, claim settlement ratio is the total number of claims made divided by the total number of claims settled. Higher claim settlement percentage are good, as they mean that the company settles maximum claims made.


Some insurance companies give special discounts on the premium of health insurances to the people living healthy lifestyles like non-smokers and non-alcohol consumers.

The health insurance or mediclaim policy is like a shield that guards the buyer and his family against financial losses. Nobody wants to feel alone at the time of a medical emergency. The health insurance provider is the one that helps to deal with the difficult times of medical emergencies. But choosing the insurer that does not provide sufficient coverage could be problematic. Thus, considering the above factors while choosing health insurance provider is a wise choice.

CropIn, a SaaS-based AgTech company, has made it to the list of THRIVE Top 50 Companies 2019 in recognition of its scalable and disruptive agtech solutions. The full-stack agtech company has expanded across Southeast Asia, Africa and Europe, and is generating more than 50% of its current revenue from its international markets.

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Listed among the top 50 companies this year, CropIn would be showcasing its technology at the annual THRIVE Innovation Summit scheduled to be held on 27th March 2019 at Santa Clara, Silicon Valley. Beth Ford, CEO Land O’lakes and other top leaders and investors in the AgTech and FoodTech space would be participating in the event. The summit is a platform for innovative organizations to engage with leaders of Fortune 500 food and agriculture corporations scouting for the latest disruptive technologies.

Commenting on the development, Krishna Kumar, CEO, CropIn, said

We are thrilled to be recognized as an innovative player in the agtech domain. The ranking corroborates the enterprise readiness and scalability of our platform, and encourages us to build more ground-breaking innovations for the agricultural sector.

CropIn has been actively doing some high impact work with a very diverse set of clientele and partners globally with the ultimate goal of making farming sustainable. So far, CropIn has digitized over 5 million acres of farmland and enriched the lives of nearly 2.1 million farmers, while managing 3,500 crop varieties across 30 countries.

CropIn has raised investments amounting to a total of $12 million till date, including Series A funding for an undisclosed amount from Singapore-based BeeNext in 2016 and $8 million in a Series B funding round from the Bill and Melinda Gates Foundation Strategic Investment Fund [SIF] and Chiratae Ventures [formerly IDG Ventures] in 2018. The current institutional investment partners of CropIn are Ankur Capital, BEENEXT, BSP Fund LLC, Bill and Melinda Gates Foundation SIF and Chiratae Ventures.

CropIn won the ‘Best Innovation in Digital Farming Technology’ at Agrow Awards in London for its flagship product, ‘SmartFarm’. A case study on SmartFarm is also published by IVEY for classroom training of management students. ‘SmartRisk’ was the winner at the ‘HDFC Bank Digital Innovation Summit’, for its capabilities that will make agri-lending and agri-insurance processes more data-driven.

About Thrive 50

The THRIVE Top 50 Innovation Showcase and report spotlights fifty growth stage companies from around the world pushing the boundaries of innovation and technology in agriculture. THRIVE Top 50 is part of SVG Partners’ corporate innovation program, which connects major corporate brands like Coca-Cola, Corteva, Trimble, Land O’Lakes, Wells Fargo, Heidenhain, EY, Forbes, National Pork Board, Driscoll’s Berries, Taylor Farms, and others with promising growth stage companies for custom pilots and partnerships. Top 50 startups are scouted for exemplary leadership, technology, and traction, and selected based on alignments with specific organizational criteria and industry pain points outlined by corporate partners. For more information, please visit THRIVE Top 50 Innovation Showcase.