Actuarial Consultancy of M.L.Sodhi

Actuary – M.L. Sodhi (Consulting Actuary)

M.L Sodhi is a Consulting Actuary. He is a Fellow Member of Institute of Actuaries of India (Membership Number – 00178). For more than 16 years he is actively involved in actuarial valuations for Employee Benefits of the Defined Benefit Nature for compliance of Accounting Standards of:-

1. INDIAN GAAP- AS-15 (Revised 2005)
2. IndAS-19
3. International Accounting Standard (IAS-19 Revised 2011) of the IFRS
4. US GAAP – (FAS-87, 88 & 158) etc. 

Generally valuations for compliance of Accounting Standards are as under:-

·         Actuarial Valuation for Gratuity Plans.

·         Actuarial Valuation for Earned Leave Plan.

·         Actuarial Valuation for Sick Leave Plan.

·         Actuarial Valuation for Defined Benefit Pension Plans.

·         Actuarial Valuation for Post Retirement Medical Benefit Plans.

·         Actuarial Valuation for Settlement Allowances on Retirement.

·         Actuarial Valuation for Long Service Award Plans/Incentive Plans.

·         Actuarial Valuation for Interest Rate Guarantee for Exempted Provident Funds.

·         Actuarial Valuation for other Defined Benefit.

Some of the main points about the brief of M.L. Sodhi, his work experience, his human resources & infrastructure, his clients and his terms and conditions etc. are:-

His Work Experience:- His work experience is spread over a span of more than five decades. He began his career with Life Insurance Corporation of India in various cadres. He retired from the LIC in the year 1997 in the cadre of Senior Divisional Manager. He was actively associated with the Group Insurance Departments of the LIC at Delhi, Ajmer and Lucknow. He also worked as Vice Principal of Zonal Training Centre of LIC at Gurgaon. After retirement from LIC he worked as Actuaryto CGU Life Insurance Company (a joint venture) for some period. He also worked as Visiting Faculty with some Institutes and Academies of repute.

His Human Resources & Infrastructure:- He is supported by a team of highly skilled personnel equipped with the expertise-statistical, actuarial and analytical essential to meet the changing needs of Accounting Standards. His human resources are his strength and asset. He has a office with adequate Infrastructure (Computer Hardware).

His Clients:- His clients are spread in all sectors of the Indian Economy, in the Public & Private Sectors which covers areas of Manufacturing, Software, Technology, Electricity, Electronics, Call Centers, Banks, Educational Institutes, Schools, Universities, IIT’s, Hotels, Hospitals, Hospitality Companies etc. etc. He also associated with Multinational Companies (MNC’s). 

His Terms & Conditions:- All services provided by him are subject to terms & conditions stated when a job is accepted.

Our Services

We specialize in Providing Actuarial Valuation Services, which involve the evaluation of financial obligations to be discharged at a future date. The specific areas of application are:-

·      Actuarial Valuation for Gratuity Plans (as per Payment of Gratuity Act, 1972 -amended or as per company specific benefit structures).

·         Actuarial Valuation for Earned Leave Plan.

·         Actuarial Valuation for Sick Leave Plan.

·         Actuarial Valuation for Defined Benefit Pension Plans.

·         Actuarial Valuation for Post Retirement Medical Benefit Plans.

·         Actuarial Valuation for Settlement Allowances on Retirement.

·         Actuarial Valuation for Long Service Award Plans/Incentive Plans.

·      Actuarial Valuation for Interest Rate Guarantee for Exempted Provident Funds  as per the Guidance Note 29 issued by the Institute of Actuaries of India under Revised AS 15 (Revised 2005).

·         Any other Defined Benefits not covered above.

The important items which need disclosure for compliance of the above Accounting Standards for Employee Benefits are:

·         Projected Benefit Obligation at the Start of the Accounting Period

·         Current Service Cost

·         Past Service Cost

·         Curtailments/settlements

·         Interest Cost in Indian GAAP

·         Net Interest Cost (Income) in IAS -19 (Revised 2011) under IFRS

·         Other Comprehensive Income and Reimbursements in IAS -19 (Revised 2011) under IFRS

·         Actuarial Gain/Losses in Indian GAAP

·         Projected Benefit Obligation at the End of the Accounting Period

·         Current and Non- Current Obligations as required Revised Schedule VI in Indian GAAP

We operate strictly within regulations & norms of the regulators while giving the actuarial services to our esteemed clients.

About Defined Benefit Plans

Defined Benefit Plans involve accounting for them which is very complex. It is so because actuarial assumptions are required to measure the obligation and expenses. There is also a possibility of actuarial gains and losses. Furthermore, actuarial gains and losses are split into the following categories:-

(a)          Actuarial (gains)/losses arising from experience adjustment

(b)         Actuarial (gains)/losses arising from changes in Financial Assumptions

(c)          Actuarial (gains)/losses arising from changes in Demographic Assumptions

Furthermore, Defined Benefit Obligations are arrived at a discounted basis because these obligations are likely to be settled many years after the employees render the related service. The entire process to complete this exercise would normally require the services of a qualified actuary.

ACTUARIAL VALUATION PROCESS

Actuarial Valuation process for Employee Benefits for Compliance of Accounting Standards for Plans such as Gratuity, Leave Encashment, Post Retirement Medical Benefits, Pension etc. etc. generally involves following steps:-

·       Data preparation

·       Decision about assumptions both Financial and Demographic

·       Details of Fund Position if liability is funded

·       Method of Valuation (Projected Unit Credit - PUC Method)

·       Plan Provisions

·       Final Report and Disclosure Tables 

Relevant Accounting Standards

The Main Accounting Standards which involve Actuarial Inputs for Valuations of Employee Benefits are as under:-

INDIAN GAAP- AS-15 (Revised 2005)

IndAS-19

International Accounting Standard (IAS-19 Revised 2011) of the IFRS

US GAAP – (FAS-87, 88 & 158) etc.  

What is an Actuary?

Actuary is an expert in risk management. He uses his mathematical skills to help measure the probability and risk of future events. His skill is used for decision making in the fields including healthcare, pension, insurance, investments, employees benefits falling in category of defined benefits. Actuaries in India belong to the INSTITUTE OF ACTUARIES OF INDIA.

What an Actuary Does?

Actuary is an expert in assessing the financial impact of uncertain events happening in future. His skill is useful to make financial decisions with more confidence. He does this by:-

· Analyzing the past
· Modeling the future
· Assessing the risks involved, and
· Communicating what the results mean in financial terms.

Contact Information

Address:-

610, 6^th Floor, Shahpuri's Tirath Singh Tower,

C-58, Community Centre, Janak Puri,

New Delhi-110058

Phone no: 011-45502548 (Office)

Mobile no: +919312723424, +919212381304, +919211637063

E-mail: mlsodhi@yahoo.co.in  

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UNIVERSITIES, PSUs  in Uttar Pradesh,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Roorkee,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Guwahati,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Himachal Pradesh,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in MP-Madhya Pradesh,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bihar,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Nepal,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jammu Kashmir,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Merath,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Dhar,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Haryana,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhiwadi,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Alwar,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhilwara,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jodhpur,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ajmer,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Beawar,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bikaner,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Shimla,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Chandigarh,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Mohali,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Panchkula,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Kashipur,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in udhampur,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in kanpur,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in agra,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Lucknow,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Beharore,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ludhiana,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhopal,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Patna,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Hissar,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ballbhgarh,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bahadurgarh,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Uttar Kashi,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Varanasi,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Sahibabad,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Manesar,, AS15 (Revised 2005) Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Amritsar,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Delhi,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Gurgaon,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Delhi/NCR,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ghaziabad,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Faridabad,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jaipur,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Sonipat,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Noida,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Rajsthan,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Raipur,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Uttar Pradesh,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Roorkee,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Guwahati,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Himachal Pradesh,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in MP-Madhya Pradesh,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bihar,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Nepal,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jammu Kashmir,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Merath,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Dhar,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Haryana,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhiwadi,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Alwar,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhilwara,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jodhpur,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ajmer,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Beawar,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bikaner,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Shimla,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Chandigarh,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Mohali,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Panchkula,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Kashipur,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in udhampur,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in kanpur,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in agra,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Lucknow,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Beharore,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ludhiana,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhopal,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Patna,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Hissar,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ballbhgarh,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bahadurgarh,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Uttar Kashi,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Varanasi,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Sahibabad,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Manesar,, AS15 (Revised 2005) Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Amritsar,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Delhi,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Gurgaon,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Delhi/NCR,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ghaziabad,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Faridabad,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jaipur,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Sonipat,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Noida,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Rajsthan,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Raipur,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Uttar Pradesh,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Roorkee,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Guwahati,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Himachal Pradesh,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in MP-Madhya Pradesh,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bihar,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Nepal,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jammu Kashmir,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Merath,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Dhar,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Haryana,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhiwadi,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Alwar,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhilwara,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jodhpur,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ajmer,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Beawar,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bikaner,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Shimla,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Chandigarh,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Mohali,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Panchkula,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Kashipur,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in udhampur,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in kanpur,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in agra,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Lucknow,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Beharore,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ludhiana,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhopal,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Patna,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Hissar,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ballbhgarh,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bahadurgarh,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Uttar Kashi,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Varanasi,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Sahibabad,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Manesar,, Ind AS 19 Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Amritsar,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Delhi,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Gurgaon,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Delhi/NCR,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ghaziabad,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Faridabad,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jaipur,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Sonipat,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Noida,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Rajsthan,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Raipur,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Uttar Pradesh,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Roorkee,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Guwahati,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Himachal Pradesh,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in MP-Madhya Pradesh,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bihar,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Nepal,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jammu Kashmir,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Merath,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Dhar,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Haryana,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhiwadi,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Alwar,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bhilwara,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Jodhpur,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Ajmer,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Beawar,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Bikaner,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Shimla,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Chandigarh,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Mohali,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Panchkula,, Ind AS 19 Acturial Valuation for School, MNCs, IITs, NITs, IIMs, UNIVERSITIES, PSUs  in Kashipur,