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Post-budget 2018 Reaction Mr. Mukund Malagi, Co-founder, ND commerce

May 25, 2018 No comments
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The government has sent a lot of positive signals for all things digital. The big headline seems to be the government’s announcement of setting up 5 Lakh Wi-Fi hotspots that may connect  5 crore rural customers into the digital world that can drive a whole new base of customers for online retailing. The direct and indirect benefit in terms of employment generation, choice of services & monetisation of skills & resources are immense, if built and adopted in the right way.

Additionally, two distinct benefits seem likely from the budget announcements.

Mr. Mukund Malagi, Co-founder, ND commerce

Mr. Mukund Malagi, Co-founder, ND commerce

Reduction of tax from 30% to 25% for companies’ upto 250 crore will benefit the retailing companies a great deal. A lot of start up Ecommerce companies and service providers in its ecosystem should benefit from this announcement. Savings from this should give some headroom to companies to adopt newer channels of sales, invest in technology for serving their customers, automate processes.
Secondly, the continued focus and commitment of the government in building rural economy and cashless economy helps both, the demand side and supply side of Ecommerce and retailing.
Overall the basic tenets of Ecommerce and online practices are transferable to the governments focus industries like healthcare, education, infrastructure, rural etc to improve efficiency, build transparency and speed. The government now needs to create a conducive environment for companies to come forward to make the most of it.

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AsifPost-budget 2018 Reaction Mr. Mukund Malagi, Co-founder, ND commerce

8 Indian Startup News That You Don’t Want To Miss This Week

May 25, 2018 No comments
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We bring to you the weekly dose of important Indian startup news of the week.

Once again, Paytm was the biggest newsmaker in the Indian startup ecosystem. This week, the Indian startup made three announcements. The company announced that its QR feature now allows offline merchants to accept unlimited payments directly to their bank accounts at 0% charge. The company is gearing up to invest $77.75 Mn (INR 500 Cr) over the next 12 months to conduct merchant training and awareness initiatives.

It also introduced ‘Paytm Loyalty Points’ that can be accumulated by its users and can be used in all platforms and the offline merchant base of Paytm. Furthermore, the digital payments giant is gearing up to add more features to its loyalty programme in the coming few days.

The last development was mainly pertaining to the founder and CEO of Paytm, Vijay Shekhar Sharma. He pledged about 5% of his personal holding in Paytm Mall for the ESOP pool. This move would add about $50 Mn worth of stocks to the ESOP corpus, which will then become almost 10% of the overall company. As per regulatory filings for the financial year, 2017, with the Registrar of Companies, Sharma who had over 19% stake in Paytm Mall now owns about 14% stake.

Important Indian Startup Stories Of The Week

Government To Bear MDR Charges On Payments Up To INR 2000

In order to encourage small shops to accept digital payments, the government has decided to bear the charges merchants pay to banks i.e-the merchant discount rate (MDR), on purchases of up to $31(INR 2,000) using a debit card, BHIM or Aadhaar. While the charges for debit cards have been waived, payments by credit card will continue to attract MDR.

UIDAI Temporarily Bans Airtel From For Flouting Aadhaar Rules
Bharti Airtel and Airtel Payments Bank, the country’s first payments bank, has been temporarily banned from conducting eKYC of customers using Aadhaar. The stringent action was taken by the Unique Identification Authority of India (UIDAI) on the basis of allegations that the telecom major was using Aadhaar-based SIM verification of customers to open payments bank accounts without their “informed consent”

Amazon To Launch Private Smartphone Brand Tenor
The Indian arm of global ecommerce behemoth Amazon is gearing up to launch a private smartphone brand, Tenor, in January 2018. The development comes just over a month after Flipkart announced its entry into the country’s smartphone market with Billion Capture+. Amazon India had previously launched two smartphone models, Tenor E and G, in India back in September.

Paytm Introduces Loyalty Scheme To Encourage Users To Transact Digitally
Digital Payments Giant Paytm Set To Launch Incubator For Startups
Digital Payments Startup Benow Acquires Finmo In Cash And Stock Deal

The company also announced that its popular membership programme, Amazon Prime has grown to encompass over 11 Mn Prime eligible products across categories in India this year, compared to the 2 Mn products it offered in 2016. The programme saw customers from over 350 cities across the country signing up in 2017.

Alibaba Cloud To Set Up Its India Data Centre
Alibaba Cloud, the cloud computing arm of Chinese ecommerce giant Alibaba, is all set to open its India data centre in January 2018. As part of its announcement earlier today, the company has invited clients to sign up for services to be delivered by the new data centre.
Situated in Mumbai, the India data centre will help meet the surging demand for cloud computing services among the fast-increasing number of small and medium-sized businesses in the region.

Government Imposes Regulations On Ecommerce Firms
Starting from January 1, 2018, all ecommerce firms in the country will have to display the exact MRP (as in Maximum Retail Price) of packaged products, including electronic gadgets, smartphones as well as consumer durables and non-durable goods. As per a government mandate released recently, the price details will have to be clearly mentioned both on the online platform and on the products themselves. Additionally, ecommerce companies have been ordered to display the name of the country that the products were manufactured or assembled in.

Mohandas Pai Expresses Concerns Over Angel Tax
Investor and ex-CFO at Infosys Mohandas Pai raised the startups’ angel tax dilemma, addressing the Finance Minister Arun Jaitley; PM Narendra Modi; Minister of Law and Justice and IT, Ravi Shankar Prasad and Niti Aayog CEO Amitabh Kant. In a recent tweet, Pai said, “Sir, startups are getting harassed by Income tax officials for raising capital, threatening to consider it as income! Very bad scene and many are angry and upset, may shift overseas. Appeal process broken, takes 15 years. Pls intervene.”

Flipkart Bets On AI Development In India
The Indian startup is taking big steps to make headway in the area of artificial intelligence by creating an internal unit called AIforIndia, in order to put machine learning and AI at the core of its business. The ecommerce player will invest “hundreds of millions of dollars” in the AI initiative over the next few years.Flipkart has already begun recruiting AI experts, building infrastructure, striking hardware partnerships and working with top educational institutions, including IITs in this direction.

Other Indian Startup Stories Of The Week

Paynear Rebrands Itself To Payswiff

After acquiring Singapore-based Goswiff Pte Ltd, Indian omni-channel payment solutions startup Paynear Solutions has rebranded itself to Payswiff Solutions Pvt. Ltd. The rebranding and renaming were undertaken to reflect the strong cultures and values of both the companies, reinforce the business synergies and leverage the strong brand equity of both Paynear and GoSwiff, post-acquisition.

NASSCOM Partners With China’s Dalian Municipal For IoT Collaboration
The National Association of Software and Services Companies (NASSCOM) signed a MoU with Dalian Municipal People’s government in China to launch a collaborative platform. Dubbed as the Sino-Indian Digital Collaboration Plaza (SIDCOP), the platform will be powered by AI and IoT, so as to enable technology exchange between the startup ecosystems of both the countries. The dedicated IT Plaza will serve as an exclusive place for interested IT providers of all sizes to begin operations and avail benefits provided by Dalian BEST City administration. The platform will work on online as well as offline modes.

Aditya Birla Finance Limited Partners With MoneyTap
The subsidiary of Aditya Birla Capital Limited announced a strategic partnership with credit line-based Indian startup MoneyTap in its effort to ease consumer lending. The partnership will allow MoneyTap users to avail credit from ABFL and is targeted at the middle-income consumer segment in 20 cities across India. The new partnership enables ABFL to leverage MoneyTap’s technology and data platform to evaluate and issue credit to the customers and provide the best customer experience

APT Online Starts BHIM Payments Through Benow’s UPI Solution
Mumbai-based digital payment startup Benow has enabled APT Online’s 4800+ Consumer Service Centers to accept digital payments through BHIM and other UPI apps from its citizens. This partnership has resulted in Benow acquiring more than 10,000 merchants across Maharashtra and Andhra Pradesh within eight months of launching the BHIM Enablement Services. Other than APT Online, well-known brands such as Mad Over Donuts, ISCKON, Wellness Forever, Rediff, etc. are already using Benow’s solution.

Swiggy Partners With Sodexo Meal Card

The foodtech startup has announced its partnership with Sodexo, which will enable 3 Mn Sodexo users across India to order from Swiggy. This partnership offers the maximum benefit to those who use their Sodexo Meal Cards only to purchase food and non-alcoholic drinks both at work and home.

Xiaomi Integrates Google Tez As Its Payment Option On Its Platforms
The Chinese handset maker has integrated Google’s UPI-based digital payment service Tez as a payment option on its ecommerce platform and Mi Store app. With this, users will be able to use Google Tez to pay for any purchases directly from their bank account. After establishing itself in the P2P payments space, Google Tez is looking to enter into merchant payments sector.

Ola Launches The Ola Lite App
In order to facilitate its users who have low internet speeds, the ANI Technologies owned cab aggregator launched the Lite app, which has features like offline booking and has a size of less than 1 megabyte. The app has a variety of hyperlocal offerings of Ola and also has an interactive, easy to use interface.

ND Commerce Plans To Expand Its Cross-Border Offerings
The Indian ecommerce company announced that it has created a cross-border ecommerce capability in terms of overseas sellers and international exporters and logistics providers to enable cross -order ecommerce into India Under this unique offering, ND Commerce has enrolled several international sellers with over 1 Million SKUS. Such overseas sellers can now offer their products to India consumers through online marketplaces through the ND Commerce Shop-No-Borders Initiative.

Co-Working Space ‘THE MOSAIC’ Opens Doors In Mumbai
The co-working space, designed for those with a discerning lifestyle and an inclination towards health and wellbeing, launched its first centre in Mumbai. THE MOSAIC redefines the concept of co-working space by offering a holistic lifestyle that incorporates aspects of wellness in all its offerings, and also offers knowledge sessions on topics like crypto-assets, sector analysis, etc. In the next few months, it plans to expand its footprint to five more metro cities.

Hike Wallet Crossed 10M Transactions In Nov 2017
Indian startup Hike Messenger announced that it has crossed 10 Mn transactions per month on its Wallet, Hike Wallet has seen exponential growth over the last two months. Of the 10 Mn transactions, 70% were on recharge and the remaining 30% on P2P.

Stay tuned for next edition of News Roundup: Indian startup news of the week!

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Why large corporations should consider creating internet only brands

May 21, 2018 No comments
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There are two evolving worlds of commerce – the physical world and the internet ecommerce world

The 5 Ps of marketing – Product, Price, Place, Promotion and Packaging too could be different for these two worlds of commerce

While brands may talk about Omni-Channel, it is only a way to get better conversion rates from offline and online advertising. In an Omni-channel world, the product, price and packaging could still the same, whether bought online or offline. Only the promotion and place are the variables that change.

As the CEO of a large successful company, you will be faced with a huge set of challenges posed by the world of ecommerce

You have to manage two different channels without creating conflict. You also have to sit side by side with a huge number of competitors who may not have the muscle to get shelf space in the physical world, but easily sit next to you in an online marketplace. And compete with you on product and price with nimbleness that cannot be matched by a large company.

Large companies can consider a strategic move to create internet only brands

Such brands can be created using the vast expertise that the large company has in product creation, marketing and supply chain. Such internet only brands can be focused on making themselves relevant for ecommerce and can be customized for different markets based on consumer needs in that market.

What will it take for a large company to create and internet only brand?

  1. Buy-in of the concept and creation of an Internet Only Brand strategy. The CEO and leadership team have to be enthusiastic about the idea and it has to be a part of the company strategic plan

  2. Creation of a separate business unit with a nimble team that has the freedom to create and execute

  3. Leveraging of existing capabilities in the areas of product development, marketing and sales, finance and supply chain. This will give the internet only brand a base level of strength and support to assist in its success

  4. Strong deal making with online platforms to get the internet only brand to be created, sold and delivered to the end consumer

  5. Partnership with an ecommerce sales and distribution specialist like ND Commerce ( who will be able to enable the entire online selling process

  6. Partnership with a good sourcing and cross border commerce company like Tiger Pug ( who can help with product sourcing and global fulfillment

Large companies can seriously evaluate the opportunity to create internet only brands. They will not only gain from sales but can have value creation for shareholders. It will also help the large company be more nimble and able to leverage the vast opportunities presented by the world of internet and ecommerce

To know more and to get assistance in creating an internet only brand please write to the author

Ajay Miglani
Wechat tigerpug
Whatsapp +8618813228742

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AsifWhy large corporations should consider creating internet only brands

Why advertising agencies need to get ecommerce skills into their system

April 11, 2018 No comments
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The traditional world of marketing has 5 Ps – Product, Price, Place, Promotions, Packaging

By the way, the new world of ecommerce also has the same 5 Ps. Except that the nature of 5 Ps of ecommerce is very different from the 5 Ps of traditional distribution

A few years ago, both, clients and agencies were still evaluating this new world. While agencies looked at online business more as ‘Digital Marketing’ many clients went ahead and developed ecommerce teams to start tackling one or more of the new 5 Ps

Today a large number of clients have ecommerce divisions and these divisions are a new sales channel that will further evolve into independent profit centers

So now it is the turn of agencies to also build such teams to be able to serve clients who have ecommerce as an important future sales channel

Here are some ways on how agencies can go about building their ecommerce capabilities

    1. Create their own ecommerce division and be able to operate ecommerce businesses for their clients. This involves a lot of processes and transactions that an advertising or communications company is not geared to doing. It also involves matters such as consumer payments, taxation, transfer of title of goods, product fulfillment and customer service

    2. Buyan existing service partner that is already in this business. While this will obviate the need to develop a team and business, the inherent nature of ecommerce being a transaction based business will be something that the agency needs to accept and adapt to

    3. Partner with a specialist like ND Commerce , a leading Brand eCommerce Service provider with expertise in brand online store set up and management, marketplace sales, Omni channel, cross border ecommerce and direct to consumer business

If you are working for an advertising agency or communications company and want to play a role in the ecommerce business of your clients, you can engage with ND Commerce and work together to provide these services to your clients. Call Mukund on +91 9324 808080 or email today!


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AsifWhy advertising agencies need to get ecommerce skills into their system

Byron Bond Ties up with ND Commerce In India

January 29, 2018 No comments
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Byron Bond, a premium Men & Women range of watches announced today it is expanding its global reach by entering India through a strategic partnership with leading ecommerce provider ND Commerce ( The partnership combines the power of Byron Bond style & class of watches with ND Commerce e-channel retailing expertise. ND Commerce will enable the global brand with the suite of ecommerce services like local payment methods, customer support services, online marketplace integration, supply chain& digital marketing for sale of products in India.

“We are committed to expanding and growing our brand geographically and target the growing affluent base which is fashion conscious in emerging market like India. We had successfully conducted our test market in India and now entering the Indian market via a strategic tie with ND Commerce which focuses on all online retailing channels,” said Rickard Jardemar, Founder CEO of Byron Bond.

“As a brand, we are very unique in the way we sell, probably one of the first brands to embrace influencer driven customer acquisition. Our strategy is to straddle all e-channels like the brand store (selling through and through popular marketplaces like Amazon, Flipkart, Paytmetc and we found the right partner in ND Commerce who have a wealth of experience in multi channel e-retailing and their understanding of cross border ecommerce” added Jardemar.

“In partnership with ND Commerce, we can now cater to the growing aspirations& style conscious Indian consumers to buy the brand  by creating a best in class online experience for the shopper”, further added Jardemar.

“Ecommerce is evolving at a rapid pace in India and the new opportunity lies in foreign brands who want to be part of the action here with the rising consumer apetite&aspiration for style, class & high quality products” said Mukund Malagi, Co-Founder of ND Commerce. “We are very excited to be working with Byron Bond to deliver a high-performance ecommerce solution to the market and accelerate our clients’ online expansion plans “, added Malagi. “As part of the multi-channel e-strategy, we will be rolling out the brand webstore business and keep adding online marketplaces to it, an online-only retailing strategy. With our new focus on Cross Border ecommerce, ND Commerce group company will be the importer on record and ND Commerce will be the local seller is an ideal solution fit for any brand that wants to address in the in-bound cross border customers.” said Malagi.

About Byron Bond

Byron Bond was a legendary cricket player and a true gentleman who was a boarding school friend of Jemma’s grandfather, co-founder of Byron Bond. He had impeccable manners and an inherent sense of style. Byron Bond left a lasting impression that has helped create a brand synonymous with understated British elegance.

Inspired by the man himself, founders Jemma and Rickard set out to create the distinguished watch brand, Byron Bond© that encapsulates a very British spirit. A watch that is a twenty first century interpretation of a classic, and one which people from the far reaches of the globe, can enjoy wearing as much as we do.

We ensure quality through every process of the manufacturing of our watches. From our design studio, through to the handmade, skilled assembly of each of our watches, our products offer long-lasting comfort and durability. We promise not to disappoint.

About ND Commerce

ND Commerce is a leading brand e-channel specialist company in India. As a pioneer in this channel, ND Commerce has been building and operating branded online stores for both global enterprises as well as leading local brands for more than five years. ND Commerce offers brand webstore retailing, marketplace retailing, omni channel retailing & cross border retailing enabling companies to leverage the growing branded ecommerce channel in India and target consumers directly through the web, mobile and phone.

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AsifByron Bond Ties up with ND Commerce In India

ND Commerce Launches Cross Border eCommerce to enable Indian Brands to sell in Singapore

January 19, 2018 No comments
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ND Commerce, a leading branded online ecommerce company has launched its cross border ecommerce service for Indian Brands to sell their products in Singapore

This has been made possible by the tie up of an Importer of Record and Seller of Record in Singapore as well as a full logistics and ecommerce fulfillment capability in partnership with WhiteBox Singapore

Through this arrangement , Indian Brands can export their products to Singapore and work with ND Commerce as the Importer of Record and Seller of Record on various online marketplaces. Some marketplaces may also allow the international brand to list products directly though need an importer and local logistics point for supply and product returns. This too can be done through the infrastructure set up for ND Commerce Cross Border eCommerce

With a growing interest in Indian products and a vast Indian Diaspora in countries like Singapore and ASEAN, this cross bordereCommerce capability represents an opportunity for Indian Brands to start selling their products to consumers overseas, while being fully compliant with the tax regulations and import guidelines in countries like Singapore

Speaking on the occasion of the launch of this service, Mr Ajay Miglani, one of the Co-Founders of ND Commerce and himself an Overseas Citizen of India commented “Happy to announce this service that will enable Indian Brands and SMEs to expand overseas using internet and eCommerce as a channel of sales. In addition to Singapore , we also have plans to roll out the Cross Border eCommerce Capability for Indian Brands to sell their products on online marketplaces in USA, China and UAE”

To know more about ND Commerce please visit or write to

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AsifND Commerce Launches Cross Border eCommerce to enable Indian Brands to sell in Singapore

Selling Apparel to Indian Consumers using Cross Border eCommerce

December 26, 2017 No comments
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There are several examples of international brands trying to make an India Entry. Many of them may find it difficult to succeed giving the complexity of selling to the Indian consumer

Any apparel brand that wants to make inroads into the mass consumer market in India should keep in view that selling products at 40 US$ Plus limits the potential consumer based and also needs huge investment in prime retail space, staff, inventory, management, marketing and more…. and if volumes don’t kick in then it will simply be a matter of time that they will need to relook at their strategy.

Indian consumers like to buy apparel in the range of US$ 7 – 15. International Brands who want to enter India should consider Cross Border eCommerce as a strategy to test the market. works with brands on Cross Border eCommerce

Contact to know how to get your international brands sold in India using cross border eCommerce

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How to sell cosmetics in India

December 22, 2017 No comments
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International brands that want to sell cosmetics in India need to have their products tested by the regulatory bodies in India

This requires an application to be made along with samples of products

The application is made to the appropriate authorities who will consider the contents of the products and also test the same in their laboratories

Once an approval is received, the importer of record needs to present the certificates along with the shipping documents for clearing India customs

Any changes in future product formulations will need additional approvals

To sell your cosmetics in India a brand has two options

  1. Get all the certifications and import products as per certification. Such products can be sold using ecommerce and physical distribution
  1. Set up a cross border eCommerce site where the consumer buys from overseas and the product is purchased from overseas and delivered to India as an overseas purchase. This is how several consumers make purchases from overseas. The consumer is the importer and will need to respond to any customs request

As a responsible brand, the best way for you to sell your cosmetics in India is by getting approvals. Once you have your approvals and have your products imported into India through an importer of record you can then setup a brand online store and also sell on online marketplaces like Amazon, Flipkart ,Paytm and others with proper brand trade mark certificates and India product certifications

ND Commerce is a leading Brand Online Store Operator that works with Brands on India Entry using eCommerce. We can assist you by being the Importer of Record , getting regulatory compliance, warehousing your cosmetics in India and selling on your brand online store and online marketplaces.

To sell your cosmetics brands online in India you can use the services of ND Commerce. Visit or write to

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AsifHow to sell cosmetics in India

Visit to the NDCommerce Cross Border eCommerce Logistics Centre

December 11, 2017 No comments
Download PDFVisit to the NDCommerce Cross Border eCommerce Logistics Centre … great to see a fantastic and dedicated team working diligently for all our clients and principals.

Logistics is an essential part of eCommerce. More so for Cross Border eCommerce where brands from overseas need to have an importer of record in India and have their merchandise kept here.

ND Commerce provides international brands with an opportunity to enter the Indian market without having to invest heavily in the infrastructure and distribution set up.

ND Commerce has a full outsourced model whereby brands can outsource their entire ecommerce to ND Commerce, just like many international and domestic companies have been doing for many years.

To know more about this please write to mukund@ndcommerce.inread more
Abhishek SutarVisit to the NDCommerce Cross Border eCommerce Logistics Centre

The need for local payments for Digital Downloads in India?

December 1, 2017 No comments
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Why do international software product, SAAS and digital services companies need to have a localized payment option for sale of products in India?

Two Reasons    

    1. Selling digital products to consumers in India without paying customs duty and without paying the local taxes is considered a tax violation
    2. Consumers share of wallet in favour of international valid credit and debit cards is fast declining as local payments, bank transfers, cash on delivery and local payment wallets are taking over the payments space

There are several thousands of companies selling software and SAAS products for use by consumers and small businesses. Box products have been phased out in preference for digital downloads. Monthly and annual software subscriptions are being provided by software companies with the aim to boost their ongoing revenue.

While downloading and paying for such digital downloads we, as consumers, seldom pause to think about where the seller is based. Unless of course we don’t have an internationally valid credit or debit card. In which case it is highly unlikely that we can buy software or subscribe to any international digital subscription or paid download.

Most mobile wallets and local payment networks do not allow international transactions as they are mainly for domestic use.

So what happens if you want to use your domestic bank transfer facility to pay for a download of software from a leading software company? The transaction will not go through. Because the merchant or seller of record is overseas. Probably in Ireland or some other low tax country.

If a seller of software or SAAS and other digital services wants to truly tap the India market they need to localize their invoicing and payments. The benefits of this are :

    1. The seller can offer a vast range of payment options to the consumer, thereby increasing the conversion rate
    2. The seller becomes tax compliant as they collect GST from the Indian consumer and deposit this with the Indian Government
    3. The consumer gets as wider choice of payment options and also gets a valid receipt with GST included (this can be taken as an input for the business while computing the net GST payable)

If you are an international software company or a SAAS company or a Digital Services provider you should consider getting an Indian Importer of Record and Seller of Record.

The Importer of Record and Seller of Record will be an Indian entity which can offer local payment options to consumers as well as collect and deposit taxes (GST and India Customs Duty) and make the whole transaction compliant with Indian laws

To know more about how to get your company compliant with Indian laws and to provide consumers with local payments please contact and write to

Author : Ajay Miglani

Linkedin :

Whatsapp +86 188 1322 8742

Wechat  : tigerpug

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AsifThe need for local payments for Digital Downloads in India?