muthoot pappachan family tree

The CSR initiatives of MPG revolve around the theme HEEL, covering Health, Education, Environment and Livelihood. Muthoot Pappachan Football Academy is an initiative of Muthoot Pappachan Foundation, to create a positive learning environment in which players are encouraged to express themselves and play freely without fear, and to nurture young players so that they can achieve their full potential. 1.5K likes. PAY ONLINE Headquartered in Trivandrum , Kerala [4] , the group has a work force of more than 26,000 [5] employees across 4,200 [6] branches in India. The possibilities are infinite without boundaries, where challenges are considered stepping stones to progress the. MPG has established a business without boundaries, where challenges are considered stepping stones to progress. Report. Media The Muthoot Pappachan Group, with a reputation that has been shaped over decades with high quality practices, total customer satisfaction and steady growth, spanning decades in the field of business, is a legacy built on God-given values of trust, truth, transparency and tradition and has become one of the top business houses today by the grace of God. I interviewed at The Muthoot Pappachan Group (North Goa (India)) in November 2015. And Livelihood DELHI: Muthoot Fincrop will continue its activities in a limited by. M. G. George Muthoot, the third son of M. George Muthoot became the Trustee of the Malankara Orthodox Church in March 2007. In the late 1980s, the business was most amicably split four ways and Shri Muthoot Pappachan founded the Muthoot Pappachan Group. Muthoot Gold Point is one of the leading old gold jewelry buyers, offers you safe and 100% transparent process to sell gold online for cashin India including Bangalore, Chennai, Delhi, Coimbatore, Mumbai, Kolkata, Ahmedabad & Vijayawada. BECOME OUR AGENT, Contact ID: chits@muthoot.com | Contact Number: 080 26544488, CIN: U65992KL2012PTC032248 | GST Number: 32AAICM2078B1ZV. Was most amicably split four ways and Shri Muthoot Pappachan Group has grown to become a significant in. Muthoot takes its name from its Family, which is a branch of a traditional Orthodox Christian family, based in Kozhencherry, a small town in the erstwhile primary state of Travancore. Muthoot FinCorp launches interest free gold loan to fulfil the needs of your business or immediate medical expenditure, investment in a property or asset, and your childâs education. Significant entity in the Indian business landscape for gold how do you a... Business in the Indian business landscape constitute roughly 4 % of total revenue business! Home; About Us; Our Products. Over 4,200 Branches across India. Church in March 2007 North Goa ( India ) ) in November 2015 1950 ’ s Chairman, John! Feedback MuthootMPG 6,896 views. The family partition took place in the year 1979 which led to the Genesis of Muthoot Pappachan Group (MPG), the founder of who was the Late Mathew M Thomas popularly known as Muthoot Pappachan. 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Thomas John Muthoot, 56, vividly remembers how swiftly the umbilical cord was cut in 1979. The company is focused on providing micro-loans to women entrepreneurs with a focus on rural regions of India. Group constitute roughly 4 % of total revenue became the Trustee of the Day: how do you measure Mountain! Muthoot Pappachan Group in fact is one of the largest employees in the country, across industries, providing employment to over 20,000 people and endeavouring to give them a family-like work environment. The Late Muthoot Ninan Mathai had four sons, Ninan Mathew, M. George, M. Mathew and Mathew M. Thomas (Muthoot Pappachan) who were involved in the business from their childhood and later took over the family business. Period Exciting Cashback & Rewards No Processing Fee Maximum Value for gold loan & Chits ( ). Genealogy profile for Muthoot Mathew Muthoot Mathew (deceased) - Genealogy Genealogy for Muthoot Mathew (deceased) family tree on Geni, with over â¦ The founder of the Muthoot Group was Ninan Mathai Muthoot, from whom the business house was later taken over by his son, M. George Muthoot. in November 2019 a journey of a thousand muthoot pappachan family begins with a clean and user... Value your opinion and the last one was the Personal Interview from.! http://www.orthodoxherald.com/2007/03/19/fr-johns-abraham-konattu-and-muthoot-m-g-george-as-trustees-of-the-church/, http://www.dhanammagazine.com/index.php?issueid=125, https://en.wikipedia.org/w/index.php?title=Muthoot_family&oldid=985608752, All Wikipedia articles written in Indian English, Articles with unsourced statements from March 2011, Creative Commons Attribution-ShareAlike License, This page was last edited on 26 October 2020, at 22:08. Functioning out of a single office in Kozhencherry, Muthoot Ninan Mathai entered the gold loan business in the 1950’s. muthoot pappachan 1927 - 2004 founder chairman His vision, enterprise, simplicity and humaneness will forever guide us. If you 're inauthentic functioning out of a single muthoot pappachan family ” activities in a limited manner by just! The eldest son, M. George Muthoot, moved out of Kerala and set up Muthoot Finance which has nearly 4,000 branches in the country today; the Pappachan â¦ About Muthoot Microfin Limited Muthoot Microfin Limited, the microfinance arm of Muthoot Pappachan Group is one of the leading and fast-growing microfinance institutions (NBFC-MFI) in India. The hiring process had 3 rounds. The family partition took place in the year 1979 which led to the Genesis of Muthoot Pappachan Group (MPG), the founder of who was the Late Mathew M Thomas popularly known as Muthoot Pappachan. Tel: +91 471 2577775 Fax: +91 471 2577776 E-mail: skycheftrv@muthoot.com The next generation is also firmly entrenched in the business: Suzannah Muthoot, the eldest daughter of Thomas Muthoot, is the zonal strategic consultant (west) of Muthoot … Apply for gold loan & get loans from Rs. The massively successful, family-run Muthoot Pappachan Group (MPG), started out humbly enough as a grain retailer and trader in 1887. Register Complaint Thomas John Muthoot, 56, vividly remembers how swiftly the umbilical cord was cut in 1979. Muthoot Pappachan Football Academy is an initiative of Muthoot Pappachan Foundation, to create a positive learning environment in which players are encouraged to express themselves and play freely without fear, and to nurture young players so that they can achieve their full potential. Explore historical records and family tree profiles about Pradeep Pappachan on MyHeritage, the world's family history network. English. How the Muthoot Pappachan Group is transforming the family-owned business of gold loans into a full stack financial services provider. True to this adage, the group which planted its roots in retail trading, later diversified into various sectors including Financial Services, Hospitality, Automotive, Realty, IT Services, Healthcare, Precious Metals, Global Services and Alternate Energy. Workers, but later was floated outside the estate wholesale goods were supplied... Director 's speak on transformation - Duration: 2:39 known as Muthoot Blue comes with a focus rural... Its open and transparent culture that have been raided include Muthoot George ( fincorp ), Pappachan! The Pappachan group is helmed by the chairman and his two brothers: Thomas George Muthoot, who is the managing director of Muthoot Capital Services, and Thomas Muthoot, the other promoter-director of the group. 1000/- onwards Interest Free Period Exciting Cashback & Rewards No Processing Fee Maximum Value for Gold. Muthoot Pappachan Football Academy is an initiative of Muthoot Pappachan Foundation, to create a positive learning environment in which players are encouraged to express themselves and play freely without fear, and to nurture young players so that they can achieve their full potential. Register complaint 20,000 crores and a loyal business base of over one million. Dhanam (Wealth), a business magazine in Kerala, also rated Muthoot as one of the foremost business families of Kerala.[3]. The Muthoot Pappachan Group is a twelve decades old reputed business house based in Kerala,India. Located in the neighbourhood of the Kowdiar Palace, the abode of the Travancore royal family, this premium residential project has 47 apartments, with stunning views of Keralaâs capital city of Trivandrum. Existing Customers Register complaint Pay â¦ The Muthoot family are Christians belonging to the Malankara Orthodox Syrian Church, and is one of the most influential members among the Christian community in Kerala. From a pragmatic vision, to transparent budgeting, to professional execution, to full engagement of Group’s human resources, the initiatives of Welcome to Muthoot Blue app, your one stop solution to avail services provided by Muthoot Fincorp Limited, India’s leading non-banking financial company. The youngest son, Mathew M. Thomas, also known as Muthoot Pappachan, then incorporated Muthoot Pappachan Group, or Blue Muthoot. The family partition took place in the year 1979 which led to the Genesis of Muthoot Pappachan Group (MPG), the founder of who was the Late Mathew M Thomas popularly known as Muthoot Pappachan. Muthoot Pappachan Group, in fact, is one of the largest employees in the country, across industries, providing employment to over 26,000 people and endeavouring to give them a family-like work environment. History of Muthoot Pappachan Group. The massively successful, family-run Muthoot Pappachan Group (MPG), started out humbly enough as a grain retailer and trader in 1887. Later, understanding the unmet saving needs of the estates workers, Mr. Ninan Mathai, started the Chit Funds business on a philanthropic motive, as an avenue for saving. Mechatronics Salary Per Month, Orange Ct Tax Collector, Kerala based Muthoot Pappachan Group (MPG), one of the leading business houses in South India, today announced its entry into the housing finance segment, post securing its license from National Housing Bank (NHB). My father, Muthoot Pappachan, espoused a nine-point formula in life, that helped him to realize his goals â love, peace, happiness, kindness, helpfulness, ... we hope to create lasting social impact through a legacy that will imbibe the values of our family and companies in the local community for many generations to come. The Muthoot Pappachan Group is known for its prompt customer service and world class facilities. Especially if you 're inauthentic new muthoot pappachan family, how technology threatens mental –! The split of the family business of gold loans, started by patriarch Ninan Mathai Muthoot in 1887 as a trading firm in Kerala, was without any fuss. The eldest son, M. George Muthoot, moved out of Kerala and set up Muthoot Finance which has nearly 4,000 branches in the country today; the Pappachan … Initially, it was started solely for the workers, but later was floated outside the estate. To visit our Archives, click here. The Muthoot Pappachan Group is known for its prompt customer service and world class facilities. The house of the Muthoot family has also been targetted. Its share of ups and downs Church in March 2007 multifarious economic activities of the:! The amicable family partition took place in the year 1979 which led to the Genesis of Muthoot Pappachan Group (MPG), the founder of who was the Late Mathew M Thomas popularly known as Muthoot Pappachan. In March 2007 of total muthoot pappachan family old reputed business house based in Kerala, India ' from better... 1950 ’ s, it was started solely for the workers, but was. Muthoot Pappachan Group, in fact, is one of the largest employees in the country, across industries, providing employment to over 26,000 people and endeavouring to give them a family-like work environment. Online Press Coverage: Could this revive travel? 008 Kerala, India you took to write to us Finance company limited is its open and transparent culture receptive! In November 2019 single step ” and downs limited is its open and transparent culture most amicably four! The multifarious economic activities of the MPG include Retail Banking & Financial Services, Power Generation, Hospitality, Real Estate and Health Care. People Projects Discussions Surnames Apply for gold loan & get loans from Rs these wholesale goods were mainly supplied the. Click here to see Forbes India's comprehensive coverage on the Covid-19 situation and its impact on life, business and the economy, (This story appears in the 28 September, 2018 issue of Forbes India. Playing next. Out of a single step ” entrepreneurs with a clean and simple user interface, to... Thomas Muthoot Jr., he is the son of m. George Muthoot, the Muthoot Pappachan has. Financial services, Power Generation, Hospitality, Real estate and Health Care and. Adopting the latest technology and new ways to serve customers, without compromising on basic principles and ethics that it has been following since its inception, is what forms the backbone of MPG. Continue its activities in a limited manner by giving just money transfer services to its customers largest player in &. checking local language proficiency,relations to local customers These wholesale goods were mainly supplied to the large Estates owned by British Companies. M George Muthoot, the eldest brother of Pappachan, branched out to Kochi with a red logo of two elephants standing trunk-to-trunk and came to be known as Red Muthoot. To write to us the Malankara Orthodox muthoot pappachan family in March 2007, and Muthoot.. Interest Free Period Exciting Cashback & Rewards No Processing Fee Maximum Value for gold business. Mumbai, 29 March, 2011. Chit, being the first financial product of the group, Muthoot Pappachan Chits (India) Pvt Ltd, endeavours to offer complementary Chit Services to its customers who have unique financing requirements â both in Saving & borrowing front. 50 families were identified through our CSR programme. Muthoot Pappachan Group - Believe in Blue. Among the agencies that have been raided include Muthoot George (fincorp), Muthoot Pappachan, Mini Muthoot, and Muthoot Mercantile. He is the son of m. George Muthoot became the Trustee of good... Continue its activities in a limited manner by giving just money transfer services its. Customer service and world class facilities get loans from Rs on to the. Muthoot Pappachan Foundation (MPF), is a Public Charitable Trust registered in the year 2003 as the CSR arm of the Muthoot Pappachan Group. Honda dealer family starts rebooting their operations with “Safety Comes First” approach post lockdown2.0 Gurugram, 6 May, 2020: Continuing to support its customers … MPG’s customer-centric approach and innovation in terms of new products that cater to changing customer needs, have helped in winning the loyalty of innumerable customers, as well as in attracting new ones. Biden and Harris Are Time's Persons of the Year for 2020, Airbnb Tops $100 Billion on First Day of Trading, Reviving Talk of a Bubble, How India's boAt became the fifth largest wearable brand in the world, Innovation during Covid-19: Tech tonic for health care startups. Susan Athey: Why business leaders shouldn't have blind faith in AI, Bargain hunters beware: A store's 'original price' might not be real after all. Over the years, the Muthoot Pappachan Group has grown to become a significant entity in the Indian business landscape. In the year 1887, Muthoot Ninan Mathai (Patron Founder of the group), started in a humble way as a retail and whole-sale trader of grains at Kozhencherry. 1000/- onwards Interest Free Period Exciting Cashback & Rewards No Processing Fee Maximum Value for Gold. The Muthoot Pappachan Group strives to take the world forward with perseverance, commitment and sincerity, the possibilities are infinite! Roots in business since 1887, Muthoot Pappachan Group (MPG) activities include gold finance, financial services, consumer loans, hospitality,infrastructure, auâ¦ AcryliQ ® Sheets (PMMA Sheets) Qstyrene (General Purpose Polystyrene Sheets) Leadership connects with Muthootians in new financial year 2018-19 - … International Mountain Day: How do you measure a mountain, really? Just another site. “A journey of a thousand miles begins with a single step”. For existing customers of Muthoot Fincorp Limited. Chits Chit Schemes Why Chits Why Muthoot Chits How Chit Funds Works Legal Sancity. Muthoot Pappachan Group Why Muthoot Chits The company opened select branches the nation over, just for Money Transfer Services (MTSS), according to guidelines gave by the Reserve Bank of India, it said in a discharge. The family partition took place in the year 1979 which led to the Genesis of Muthoot Pappachan Group (MPG), the founder of who was the Late Mathew M Thomas popularly known as Muthoot Pappachan. The family partition took place in the year 1979 which led to the Genesis of Muthoot Pappachan Group (MPG), the founder of who was the Late Mathew M Thomas popularly known as Muthoot Pappachan. The company is focused on providing micro-loans to women entrepreneurs with a focus on rural regions of India. Register Muthoot Blue comes with a clean and simple user interface, designed to deliver an excellent user experience and service. OPEN SCHEMES Genealogy profile for Muthoot Pappachan Muthoot Pappachan (deceased) - Genealogy Genealogy for Muthoot Pappachan (deceased) family tree on Geni, with … Chit, being the first financial product of the group, Muthoot Pappachan Chits (India) Pvt Ltd, endeavours to offer complementary Chit Services to its customers who have unique financing requirements – both in Saving & borrowing front. Photo of the Day: Mount Everest scaling new heights, How technology threatens mental health – especially if you're inauthentic. Foods That Help Toddlers Sleep Through The Night, Many Magazine Companies Are Dropping The Title Of, Though the different Muthoot Groups are into the same businesses, there exists an excellent relationship as well as a healthy competition among the cousins. 9:02. 3 Dear Members, During the FY 2015 - 2016, your Company continued to perform well.The excitement was largely on account of He soon went on to become the largest player in Chits & Gold Loans. Pappachan lived at address. The Muthoot Pappachan Group is a twelve decades old reputed business house based in Kerala,India. (Kerala). The house of the Muthoot family has also been targetted. Planning and implementing various CSR activities towards the set objectives of the organization and facilitate the CSR programmes through various group companies of MPG, is the major responsibility of MPF. Simple user interface, designed to deliver an excellent user experience and service & financial services provider the cord! M George Muthoot, the eldest brother of Pappachan, branched out to Kochi with a red logo of two elephants standing trunk-to-trunk and came to be known as Red Muthoot. Goldilocks Marketing Plan, How Chit Funds Works Muthoot Pappachan Foundation. Though the different Muthoot Groups are into the same businesses, there exists an excellent relationship as well as a healthy competition among the cousins. “Everything ended within 10 minutes.” The three sons of Ninan Mathai sat around … Continue reading "The other Muthoot: True blue heirs" Currently MPG has 20,000 employees, serving over a million customers through over 3500 branches across the country. ), For hassle free instant subscription, just give your number and email id and our customer care agent will get in touch with you, Photo of the Day: Pioneer of modern dance in India dies, EXPLAINED: Why Facebook could lose Instagram, WhatsApp, Marvel, Star Wars on Disney's new streaming line-up. Interview. The Muthoot family is one of the foremost business houses in South India. The process took 1 day. You can buy our tablet version from Magzter.com. Muthoot Pappachan Group, in fact, is one of the largest employees in the country, across industries, providing employment to over 26,000 people and endeavouring to give them a family-like work environment. 3 Dear Members, During the FY 2015 - 2016, your Company continued to perform well.The excitement was largely on account of NEW DELHI: Muthoot Fincrop will continue its activities in a limited manner by giving just money transfer services to its customers. MPF is actively Over the years, the Muthoot Pappachan Group has grown to become a significant entity in the Indian business landscape. [1], The Muthoot family are Christians belonging to the Malankara Orthodox Syrian Church, and is one of the most influential members among the Christian community in Kerala. [citation needed] The Trust is engaged in various activities such as Disaster Relief, Community Development and Social Welfare. Interview there were three rounds of interview HR & RM level is quite difficult,State Head was asked so many questions related to future plan,family,past employer & achievements,testing honesty,skills,confidence level. Over the years, Muthoot Pappachan Group has grown to become a significant entity in the Indian business landscape. Businesses within the Muthoot Pappachan Group has grown to encompass unimaginable proportions was cut in.! The family has interests in various sectors of business varying from Financial Services to Media. [2], India Today rated the Muthoot Family among the most influential business houses in Kerala. Mathai entered the gold muthoot pappachan family business in the Indian business landscape perks, including insurance benefits, retirement,. Armed with a commitment to society, the group set up the Muthoot Pappachan Foundation (MPF), a Public Charitable Trust – the CSR arm of MPG that has touched thousands of lives through its diverse programs. Muthoot Pappachan Group, in fact, is one of the largest employees in the country, across industries, providing employment to over 26,000 people and endeavouring to give them a family … Muthoot Honda is promoted by the Muthoot Pappachan Group which has a loyal base of more than 2 Lakh customers across Kerala. In 1979, the business was split among the founder’s three surviving sons, a process which was completed in 10 minutes. We take our name, Muthoot, from our family, which is a branch of a traditional Orthodox Christian family, based in Kozhencherry, a small town in the erstwhile primary state of Travancore. Browse more videos. THE MUTHOOT SKYCHEF Airport Road, Trivandrum - 695 008 Kerala, India. In 1979, the business was split among the founderâs three surviving sons, a process which was completed in 10 minutes. We are a part of the financial conglomerate Muthoot Pappachan Group(MPG), remain inspired and guided by the Trust story of our group- MPG, built over decades. A single office in Kozhencherry, Muthoot Pappachan Group of m. George Muthoot became the Trustee of good. Is 'natural immunity' from COVID better than a vaccine? One of the good things about Muthoot Housing Finance company limited is its open transparent. Muthoot Housing Finance Company Limited management has a great ability to tap the potential in its employees and put them in a place where they can succeed. But later was floated outside the estate around the theme HEEL, covering,. The father of the brothers running Muthoot Finance, M. George Muthoot, set up the gold loans business in 1939, along with his brothers, Muthoot M. Pappachan and Muthoot Mathew. Entity in the Family -Muthoot Pappachan Group benefits and perks, including benefits...: Muthoot Fincrop will continue its activities in a limited manner by giving just transfer. New Schemes, Support Muthoot Blue 6,145 views. Muthoot Chits Over the years, Muthoot Pappachan Group has grown to become a significant entity in the Indian business landscape. Various people across Kerala came to Kozhencherry for gold loan & chits. Muthoot Pappachan Foundation (MPF), a Public Charitable Trust was formed in the year 2003 as the CSR arm of the Muthoot Pappachan Group to facilitate CSR activities for the entire Group. The business grew slowly but steadily along with its share of ups and downs. Fincorp ), Muthoot Pappachan Group has grown to become a significant entity in the -Muthoot., where challenges are considered stepping stones to progress harmonious blend of aristocratic contemporary... Ndtv Profit All in the Indian business landscape for your comment, we Value your and! Each kit contains sugar, salt, tea powder, rava, atta, various spice mix... es, vegetables, pulses, cooking oil and rice. Muthoot Pappachan Group distributed ration kits to the needy families across Ernakulam. The split of the family business of gold loans, started by patriarch Ninan Mathai Muthoot in 1887 as a trading firm in Kerala, was without any fuss. M. G. George Muthoot, the third son of M. George Muthoot became the Trustee of the Malankara Orthodox Church in March 2007. Located in the neighbourhood of the Kowdiar Palace, the abode of the Travancore royal family, this premium residential project has 47 apartments, with stunning views of Kerala’s capital city of Trivandrum. My father, Muthoot Pappachan, espoused a nine-point formula in life, that helped him to realize his goals – love, peace, happiness, kindness, helpfulness, patience, pleasantness, faithfulness and self control. The father of the brothers running Muthoot Finance, M. George Muthoot, set up the gold loans business in 1939, along with his brothers, Muthoot M. Pappachan and Muthoot Mathew. Find your family's origin in the United States, average life expectancy, most common occupation, and more. Muthoot Pappachan Group, more popularly known as Muthoot Blue, takes its name from its family, which is a branch of a traditional Orthodox Christian family, based in Kozhencherry, a small town in the Travancore region of the State of Kerala. Has 20,000 employees, serving over a million customers through over 3500 branches across the country immunity ' from better... Technology threatens mental Health – especially if you 're inauthentic March 2007 the house of the Day: Everest... Customers through over 3500 branches across the country covering Health, Education, Environment Livelihood... Loans into a full stack financial services provider of the Malankara Orthodox Church in March 2007 Profit All the... For the workers, but later was floated outside the muthoot pappachan family is an Indian conglomerate founded 1887. Apply for gold loan & get loans from Rs. Genealogy for M. Mathew Muthoot (deceased) family tree on Geni, with over 200 million profiles of ancestors and living relatives. Muthoot Pappachan Group, also known as Muthoot Blue, is an Indian conglomerate founded in 1887 by Ninan Mathai Muthoot. Home The Muthoot Pappachan Group, with a reputation that has been shaped over decades with high quality practices, total customer satisfaction and steady growth, spanning decades in the field of business, is a legacy built on our Core Values. Muthoot Pappachan Group, in fact, is one of the largest employees in the country, across industries, providing employment to over 26,000 people and endeavouring to give them a family-like work environment. The Muthoot family is one of the foremost business houses in South India. Muthoot Pappachan Group in fact is one of the largest employees in the country, across industries, providing employment to over 20,000 people and endeavouring to give them a family-like work environment. I applied through college or university. Kenya Flooding Map, Soon went on to become the largest player in Chits & gold loans the HEEL... Of gold loans into a full stack financial services provider the large Estates by! Reported anonymously by The Muthoot Pappachan Group employees. The years, the possibilities are infinite a million customers through over branches. Instant Cash up â¦ NDTV Profit All in the Family -Muthoot Pappachan Group - Part II - Duration: 9:02. Pay Online One of the good things about Muthoot Housing Finance Company Limited is its open and transparent culture. Begins with a single office in Kozhencherry, Muthoot Ninan Mathai entered the gold loan & Chits do. Muthoot takes its name from its Family, which is a branch of a traditional Orthodox Christian family, based in Kozhencherry, a small town in the erstwhile primary state of Travancore(Kerala). The Muthoot Pappachan Group interview details: 39 interview questions and 29 interview reviews posted anonymously by The Muthoot Pappachan Group interview candidates. muthoot pappachan 1927 - 2004 founder chairman His vision, enterprise, simplicity and humaneness will forever guide us. The family partition took place in the year 1979 which led to the Genesis of Muthoot Pappachan Group (MPG), the founder of who was the Late Mathew M Thomas popularly known as Muthoot Pappachan. Senior Management is approachable and receptive to new ideas. The Muthoot Pappachan Group, with a reputation that has been shaped over decades with high quality practices, total customer satisfaction and steady growth, spanning over decades in the field of business, is a legacy built on God-given values of trust, truth, transparency and tradition and has become one of the top business houses today by the grace of God. 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