• AUM as of Q3FY25 at Rs. 7,619 Crs, growth of 36% YoY

• Disbursements at Rs. 879 Crs, growth of 29% YoY

• PAT of Rs. 96 Crs for Q3FY25, growth of 54% YoY

• RoA for Q3FY25 at 5.5% and RoE for Q3FY25 at 15.1%

India Shelter Finance Corporation Limited announced its financial results for the 3rd Quarter of Fiscal year 2025. The Board of Directors of India Shelter Finance Corporation at its meeting held today, approved the unaudited financial results for quarter and nine-month ended December 31, 2024.

Commenting on the performance, Mr. Rupinder Singh, Managing Director, and CEO of India Shelter Finance Corporation said: We are pleased to announce that the Company delivered strong performance in the third quarter of FY25 driven by strong demand environment in the affordable housing segment. We delivered an AUM growth of 36% YoY to Rs. 7,619 Crs supported by a disbursement growth of 29% YoY to Rs. 879 Crs.

India Shelter Reports Strong Q3FY25 Performance with 36% YoY AUM Growth and 54% Surge in PAT

Key Performance Metrics:

We continue to maintain strong focus on leveraging tech to improve operations, onboarding and customer experience. Company now processes 96% digital collections, 98% e-signing of applications, 78% of our customers are registered on the app with 71% service requests raised via the app.

With continued focus on branch expansion, technology innovation & manpower addition we strive to improve our efficiency metrics. Cost to Income improved to 37.4% in Q3FY25 from 41.1% in Q3FY24. During the quarter we added 5 new branches to reach a count of 265 branches across 15 states.

Profitability:

• Profit after tax grew by 54% YoY to Rs. 96 Crs in Q3FY25 as against Rs. 62 Crs in Q3FY24

• RoA improved to 5.5% in Q3FY25 from 4.7% in Q3FY24

• RoE improved to 15.1% in Q3FY25 from 13.9% in Q3FY24

Borrowings & Liquidity:

• Networth is at Rs. 2,595 Crs as of December’24. The company continues to carry a liquidity of Rs. 1,752 Crs as of December’24

• In Q3FY25, cost of funds was maintained at 8.8%

Asset Quality & Provisions:

• Gross Stage 3 and Net Stage 3 at 1.2% and 0.9% as of 31st December’24

• 30+ DPD stood at 3.7% as of 31st December’24

• Credit Cost for the quarter at 0.5%

About India Shelter Finance Corporation

India Shelter provides affordable home loans and loan against property in Tier 2 and 3 geographies in India. India Shelter provides home loans to customers from low-and middle-income segments who are building or buying their first homes. The company has strong distribution moat with its Pan-India network in 15 states via 265 branches and maintains a granular portfolio. The company is being run by an experienced professional management team backed by marquee investors.

N Ranga Rao and Sons is proud to announce its recognition as one of Indias Best Workplaces in Manufacturing for the third consecutive year. This years recognition highlights the organisation’s dedication to adapting to evolving workplace dynamics, and its efforts to celebrate and motivate a diverse workforce. The brand’s focus on inclusivity and innovation has been pivotal in creating an environment where employees feel valued and empowered.

N Ranga Rao and Sons has been awarded as one of Indias Best Workplaces in Manufacturing for the third consecutive year

Speaking of the certification, Mr. Arjun Ranga, Managing Director, N Ranga Rao & Sons Pvt. Ltd., said, “At N. Ranga Rao & Sons, we believe a great workplace is built with mutual respect and shared success. Our commitment to fostering an inclusive and inspiring environment drives our continued recognition. This achievement reflects our unwavering commitment to our people. Our employees are our greatest asset, and we firmly believe that a thriving workplace is built on trust, inclusivity, and continuous growth.”

The recognition was awarded to N Ranga Rao & Sons Pvt. Ltd., by successfully meeting the certification criteria for three consecutive years. The certification is presented to the top 100 companies following a two-step evaluation, namely through surveying employees using the Trust Index Survey, which measures a workplace culture from the employee’s perspective, and on the completion of a company questionnaire, known as the Culture Brief. N Ranga Rao & Sons Pvt. Ltd., excelled in these criteria by fostering a workplace built on trust, inclusivity, and engagement, with 87% of employees, asserting that the organisation serves as an great place to work. The organization’s dedication to employee satisfaction and well-being helped in securing this certification, showcasing its commitment to maintaining a positive and healthy work environment.

About NRRS
Established in 1948 by Shri N. Ranga Rao, Cycle Pure Agarbathi has grown from a home-grown enterprise into the worlds largest incense stick brand, with a presence in over 75 countries. Beyond incense, the NR Group has diversified into various sectors, including functional air care products under the Lia brand, wellness home fragrance products under IRIS by Ripple Fragrances, and floral extracts through NESSO. The groups commitment to sustainability is evident, as Cycle Pure Agarbathi is the worlds first certified carbon-neutral incense manufacturer.

The NR Groups dedication to social responsibility is channeled through its charity arm, the NR Foundation, reflecting its commitment to giving back to the community.

For more information about Cycle Pure Agarbathi and the NR Group, please visit www.nrgroup.co.in.

The Indian tech landscape continues to evolve with remarkable innovations, and the Gadgets Now Awards 2024 are here to recognize and celebrate the best. Voting lines are now open, inviting tech enthusiasts and consumers to vote for their favorite gadgets and devices across multiple categories.

Countdown Begins to Indias Most Awaited Tech Awards – Gadgets Now Awards 2024

The awards ceremony, scheduled for February 14, 2025, will honor products that not only demonstrate exceptional technical expertise but also redefine how we live, work, and interact with the world around us.

“These awards recognize and honor the latest and greatest advancements in technology that are shaping the way we live, work, and interact with the world around us,” says Prasad Sanyal, Business Head, Times Internet.

The Gadgets Now Awards cover a diverse range of categories, including Smartphones (such as affordable, premium, camera-focused, and gaming), Wearables, Laptops and Gaming Devices, Audio Devices (like headphones, speakers, and TWS), as well as TVs and Smart Home Gadgets.

A distinguished jury panel comprising industry veterans-including CP Gurnani (Former CEO, Tech Mahindra), Pankaj Mahindroo (ICEA Chairman), Prasanto Kumar Roy (Advisor, FTI Consulting), and Paavan Nanda (CEO & Co-founder, WinZO)-has evaluated the nominees. Winners will be revealed during the exclusive awards ceremony held in New Delhi on February 14.

The celebration of technological excellence is possible through the support of our valued partners. Housing.com, Crucial by Micron, Godrej Securities, and Stahl have joined forces to help recognize and celebrate Indias most innovative tech achievements. Their commitment to excellence aligns perfectly with our mission to spotlight the best in technology.

Tech enthusiasts and consumers play a vital role in shaping the outcomes of the Gadgets Now Awards 2024. Public voting is now live-visit gadgetsnow.indiatimes.com/awards/nominations to cast your vote and have your say in choosing the winners.

Join us in celebrating the best of Indian and global technology.

The Galleria Mall is set to become the ultimate GenZ hotspot as it hosts the first edition of Z Connect Festival from February 7 to February 23. With affordable brands showcasing fashion, skin care, footwear and music lineups that are set to get the crowds going, the event boasts of a mix of hip-hop, Street Style, skateboarding and more to add to the vibe.

Event Itinerary day wise

On February 7, the viewers will be witnessing an opening performance by the Black Ice Crew, OWND and more dance crews showcasing high-energy dance moves followed by a series of activities on the weekend of February 8 and 9.

• On February 8, DJs- Sundarchan, Syncths Back, XS Big Sound and Sandeep Raman will take visitors on an electronic house journey celebrating Vinyl Night Out with a mix of 90’s nostalgia.

• On February 9, the Sip & Paint hosted by Paint Bar will provide a creative sanctuary for art lovers, and young audiences to paint the town (mall) red. The activity is free of cost and the first 20 seats get a chance to paint, sip on a beverage and walk home with their masterpiece.

Throughout the festival, Brand Activations are a major highlight, with sessions on February 11, 12, 13, and 14 displaying discounts, giveaways, contests and more. Leading brands will be creating engaging booths and experiential setups, offering attendees a chance to explore the latest in fashion, skincare, and lifestyle.

• On February 13, the Pop Quiz at Irish House by Ace of Pubs will bring the element of fun and challenge for trivia lovers. Teams will battle it out over rounds of brain-teasing questions, testing their knowledge of pop culture, history, and entertainment with fun prizes to win at the end.

• On February 14, Valentine’s Special Salsa Night will add a touch of romance and energy to the festival.

• Experience the electronic Indie side of the Alt Space Showcase on February 15 where top DJs like (Shivhari, SND CHK MNJ, Xenkat, Insowmya, will curate high-energy playlists that will keep the crowd dancing all night.

• On February 16, Pawasana, hosts a Yoga with Puppies session providing a unique wellness experience that sparks joy and a lot of tailwags.

• On February 21, the Kickin’ it Fresh, a Dance Battle Qualifier, will set the stage for some of the best dancers to showcase their talent.

• On February 22, another DJ Night with Hiphop and RnB has everyones favourite DJs (DJ Dwell, Santana & Reflected Ray spinning tunes that will keep the vibe alive. The festival will conclude on February 23 with the Dance Battle Finals, where the best dancers from the qualifiers will compete for the ultimate title. With electrifying performances, intense face-offs, and the best of street dance styles, this event is giving. Adding to the excitement, some of the most popular brands will be setting up exclusive stalls throughout the event. Visitors can explore stylish and trendy collections from Aqualogica, Bewakoof, Derm Co, Fuzz, ⁠Kreo, ⁠Kica active, Neeman’s, OuterWorld, Snitch, Zouk, these brands will offer interactive experiences and a showcase of their latest offerings tailored for the GenZ audience.

Designed to redefine mall culture and create an exciting social hub for GenZ, this event is more than just entertainment-it’s a movement. With beautiful and attractive setups, live performances, and dynamic brand collaborations, The Galleria Mall is the ultimate place to be this February.

Don’t Miss Out! Mark your calendars and get ready to immerse yourself in the most exciting youth-centric event of the season. Stay tuned for updates and exclusive content by following Galleria’s Instagram handle – www.instagram.com/the.galleria.mall/hl=en

• Offers Self-Sampling HPV DNA Test by Roche for early detection

• Metropolis achieves 100% concordance in verification of Self-Sampling HPV DNA test, aligning with WHO Recommendations

Ameera Shah-led Metropolis Healthcare Limited, India’s second-largest and most respected pathology laboratory chain, today announced its collaboration with Roche Diagnostics India and Neighbouring Markets to introduce the self-sampling human papillomavirus (HPV) DNA test for cervical cancer screening. The launch of this test aims to expand access to cervical cancer screening across India by addressing social and economic barriers, making early detection more convenient for women, including those in Tier 2, Tier 3, and Tier 4 towns.

Leadership team of Metropolis Healthcare and Roche Diagnostics

Cervical cancer is preventable and yet, India contributes to 21% of the world’s total cases of cervical cancer¹. Currently, it accounts for nearly 79,000 deaths among Indian women each year, which is roughly two thirds of diagnosed cases². This indicates late-stage intervention which can be avoided by taking precautionary measures such as early screening.

The HPV DNA test, recognized by the World Health Organization (WHO) as a first-choice screening method for cervical cancer prevention³, can help bridge the gap. This cutting-edge test detects 14 high-risk HPV types in a single tube and is a clinically validated, FDA-approved, and WHO-prequalified solution. It ensures reliable and accurate diagnosis, paving the way for early intervention and better outcomes. The self-sampling HPV DNA test empowers women to take control of their health by enabling them to self-collect their samples for testing comfortably and easily. It addresses significant barriers such as stigma, discomfort, and limited access to healthcare facilities.

Commenting on the launch, Mr. Surendran Chemmenkotil, Chief Executive Officer, Metropolis Healthcare Limited, said, “Cervical cancer remains a major health challenge for Indian women, despite being preventable through early screening and vaccination. By introducing advanced screening tools like the HPV DNA test, in collaboration with Roche Diagnostics India, we aim to expand access to early detection across the country. At Metropolis, we are committed to leveraging our robust scientific expertise, extensive laboratory network, and strong partnerships with hospitals and healthcare providers to ensure widespread access to this essential test. Together, we are working toward a future where cervical cancer is no longer a threat.”

“Considering that as per a 2020 NHFS survey, only about 1.9% women in India are currently being screened, it is clear that more needs to be done to make cervical cancer screening accessible across India. Our cobas HPV DNA test provides women with a solution that allows them to overcome the potential embarrassment and discomfort that some may feel about undergoing cervical cancer screening process. I am confident that Metropolis Healthcare’s vast and established laboratory footprint will allow India to adopt cervical cancer screening at a large scale, especially in underserved areas,” said Mr. Rishubh Gupta, Managing Director, Roche Diagnostics India and Neighbouring Markets.

Dr. Kirti Chadha, Chief Scientific and Innovation Officer and Senior Oncopathologist, Metropolis Healthcare Limited, said, “Cervical cancer’s slow progression offers a critical window for early detection, yet lack of awareness and timely screening remain significant barriers. The introduction of self-sampling high-risk HPV DNA testing is a major step forward, making screening more accessible and patient-friendly. At Metropolis, we believe that every scientific solution, regardless of its potential, must be validated for performance before being introduced into a live testing environment. We have successfully compared this platform with existing gold-standard technology and achieved good results with the self-sampling strategy, which is in line with WHO recommendations, advancing the potential for improved cervical cancer prevention.”

About Metropolis Healthcare Limited

Established in 1981, Metropolis Healthcare Limited is India’s second-largest diagnostic chain, led by visionary leader Ms. Ameera Shah, Promoter and Executive Chairperson. With over four decades of excellence, Metropolis has been a pioneer in delivering best-in-class diagnostic services to patients, healthcare providers, and corporates across India and Africa. The company’s extensive footprint spans 22 states, 3 Union Territories, and over 700 towns in India, supported by a robust network of more than 200 laboratories, 4,300 service centers, and over 10,000 touchpoints. Each year, Metropolis serves millions of individuals by providing actionable health insights that empower better clinical outcomes.

Metropolis offers a comprehensive range of more than 4,000 tests and profiles, including advanced tests for diagnosing cancer, neurological disorders, infectious diseases, and various genetic abnormalities. The company’s commitment to quality and accuracy is reinforced by its consistent CAP proficiency score of over 98% for the past decade, placing it among the top 1% of laboratories worldwide for quality assurance. The Metropolis philosophy is built on the pillars of technological superiority, a warm, patient-centric approach, and reliable diagnostic reports.

For more information, please visit www.metropolisindia.com or click on Twitter, Facebook, or LinkedIn

References:

1. www.ncbi.nlm.nih.gov/pmc/articles/PMC10291770/
2. gco.iarc.fr/today/data/factsheets/populations/356-india-fact-sheets.pdf
3. WHO recommends DNA testing as a first-choice screening method for cervical cancer prevention
4. Cervical Cancer: Formulation and Implementation of Govt of India Guidelines for Screening and Management – PMC

Expleo, the global engineering, technology, and consulting service provider, will exhibit at the 15th edition of Aero India, from 10-14 February, 2025, at Air Force Station Yelahanka, Bengaluru. The biennial event brings together global leaders, defence experts, and innovators, truly making it ‘The Runway to a Billion Opportunities.’

Expleo and Aero India

The global aerospace sector is growing rapidly, and India – with its expanding talent pool, competitive manufacturing capabilities, and government-backed initiatives like ‘Make in India‘ – is emerging as a hub for aerospace and defence capability centres, driving innovation and scalability. Aero India 2025 will showcase India’s ambitions to strengthen its aerospace and defence ecosystems while advancing the local market and growing global partnerships.

Driving India’s aerospace ambitions
Aligned with the Aero India 2025 BRIDGE Conclave (Building Resilience through International Defence and Global Engagement), Expleo plays its part in strengthening aerospace resilience through innovation and collaboration. With a proven heritage in aerospace engineering expertise, advanced digital infrastructure, and a highly skilled workforce, Expleo provides global and Indian organisations with the ideal environment to navigate industry challenges and build a future-ready aerospace ecosystem.

Expleo will be at Hall G 5.3a to showcase its solutions and capabilities to improve efficiency, scalability, and sustainability, including:

• Smart Series: A powerful suite of digital tools that automate repetitive high-volume tasks in manufacturing and assembly processes.

• Avionics LRUs Certification: Compliance solutions to simplify the certification of avionics software and hardware, meeting stringent global standards such as DO 178 C and DO 254.

• End-to-end Aerostructure Solutions: Expertise in full lifecycle design and analysis (including static, F&DT & FEM) of complex aerostructures-covering both metallic and composite materials for commercial and military platforms.

• Sustainable Aerospace Components: Next-generation technologies including hydrogen control units, advanced FADEC systems, and composite recycling solutions for greener aerospace manufacturing.

• Integrated Aerospace Data Solutions: Systems that enable seamless data flow across the lifecycle, supporting real-time decision-making, predictive maintenance, and enhanced safety.

Phani Tangirala, MD & CEO of Expleo, India, said, “Aero India is the perfect platform to demonstrate how Expleo integrates engineering excellence with digital innovation to address the aerospace industry’s evolving challenges. Our focus on speed, savings, and safety ensures clients can stay ahead in a rapidly changing landscape. With more than 4,000 skilled professionals in India and a strong track record with leading OEMs, we are committed to advancing an Atmanirbhar Bharat while building global partnerships for long-term growth and resilience.”

As part of the multi-day programme, Expleo will also engage with prospective talent recruiting for roles such as stress engineers, automation engineers, and design architects.

Learn more about Expleo at Aero India 2025.

To learn more about Expleo’s aerospace offerings, visit our aerospace hub.

Signify, (Euronext: LIGHT) the world leader in lighting, has announced its association with dynamic superstar and Nation’s love Rashmika Mandanna as the brand ambassador. This alliance comes ahead of the summer season, reinforcing Signifys commitment to innovation, energy efficiency, and customer centricity.

Signify onboards Rashmika Mandanna as their brand ambassador

With Rashmika Mandanna, renowned for her stellar performances, style, and pan-India appeal, Signify aims to tap the younger audience that in increasing playing an eminent role in the country’s consumption story. This association will mark a new chapter, as it strengthens the brands commitment to inspire, celebrate and engage with consumers in India.

Commenting on the association Sumit Joshi, CEO & MD – Signify, Greater India, remarked, “At Signify, we believe in bringing the best of innovations to our customers in line with our #BrighterLivesBetterWorld vision. We are delighted to welcome Rashmika Mandanna to the Signify family as the brand ambassador for our Ecolink and Philips brands. Her vibrant personality and commitment to her craft align perfectly with our principles of innovation, utmost quality, and cutting across generations. We are sure that our upcoming association with her will be loved by customers across the nation.”

Highlighting Signify’s strategy Nikhil Gupta, Head of Marketing, Strategy, Govt. Affairs & CSR – Signify, Greater India, said, “Rashmika Mandanna, with her dynamic presence and integrity, truly embodies the values that Signify upholds. This partnership marks a new milestone in Signifys journey to engage the younger audience. With Rashmika on board, we look forward to further enhancing our engagement with the Indian consumers and kick off the season with our new high energy summer campaign.”

Sharing her thoughts on the partnership, Rashmika Mandanna, said, Im elated to join the Signify family and equally excited to embark on this journey, sharing their inspiring story with the world. Their 130-year legacy of innovation and quality speaks volumes, and I admire their commitment to sustainability and focus on creating lighting solutions that enhance peoples lives.”

Rashmika Mandanna will be representing the Signify brands in India, providing an opportunity to connect with a diverse audience. Loved for her style, grace, resilience, and charisma, Rashmika Mandannas image harmonizes seamlessly with the brand ideals, facilitating a deeper and broader consumer engagement.

About Signify

Signify (Euronext: LIGHT) is the world leader in lighting for professionals, consumers, and the Internet of Things. Our Philips products, Interact systems and data-enabled services, deliver business value and transform life in homes, buildings and public spaces. In 2023, we had sales of EUR 6.7 billion, approximately 32,000 employees and a presence in over 70 countries. We unlock the extraordinary potential of light for brighter lives and a better world. We have been in the Dow Jones Sustainability World Index since our IPO for seven consecutive years and have achieved the EcoVadis Platinum rating for four consecutive years, placing Signify in the top one percent of companies assessed. News from Signify can be found in the Newsroom, on X, LinkedIn and Instagram. Information for investors is located on the Investor Relations page.

The India Leaders for Social Sector (ILSS) and the Koita Foundation announced a strategic partnership to launch the Koita Centre for Digital Transformation (KCDT), a pioneering initiative aimed at empowering Social Purpose Organizations (SPOs) across India to leverage digital technologies for greater impact.

From L – R: Archana Ramachandran, COO, ILSS; Anirban Choudhury, Head, KTDC; Anu Prasad, CEO and Founder, ILSS; Rekha Koita and Rizwan Koita, Co-founders, Koita Foundation

The KCDT will serve as a hub for digital transformation in the social sector, providing SPOs with access to cutting-edge training programs, valuable resources, and expert guidance. Given the urgency and criticality for the social sector to adopt digital transformation and embrace digital effectively in a scaled fashion, this strategic partnership will create a one-of-a-kind institution to support and accelerate the digital transformation of SPOs across India.

“This partnership with the Koita Foundation marks a significant milestone in ILSSs journey to enhance long-term and sustainable leadership within the social sector,” said Anu Prasad, Founder and CEO of ILSS.“KCDT will play a crucial role in equipping SPOs with the digital tools and knowledge they need to thrive in the 21st century. Our mission is to drive digital transformation of NGOs and social enterprises across India and enable them to serve beneficiaries in a more effective, efficient and scalable manner.”

Through a comprehensive suite of offerings, including the flagship Digital Transformation for Social Impact (DTSI) Program, the KCDT will equip SPO leaders with the knowledge and skills across four focus areas. The first is to increase reach and inclusivity, by enabling SPOs to expand their programs reach and make them more accessible to marginalized communities. The second is to cultivate a digital mindset, wherein by embracing digital tools, SPOs can advance their missions effectively. The DTSI will also facilitate the strengthening of data-driven decision-making, to enhance transparency, accountability, and impact assessment. And finally, fostering innovation and collaboration to drive impactful partnerships within the social sector.

“We are thrilled to partner with ILSS to launch the KCDT,” said Rizwan Koita, Co-founder of the Koita Foundation. “I strongly believe that it is by leveraging technology that SPOs can significantly enhance their impact and reach. In that sense, the KCDT will be a vital resource for the sector, fostering innovation and driving meaningful social change.”

Simply put, KCDT will provide a holistic ecosystem for SPOs seeking to leverage digital technologies. From structured training programs and knowledge forums like conferences and masterclasses, KCDT will spotlight valuable thought leadership and industry best practices. It will also generate valuable knowledge products, including research reports on sector-specific digital challenges.

“The KCDT embodies our shared commitment to empowering the social sector,” added Rekha Koita, Co-founder of the Koita Foundation. “This is a big step towards creating an inclusive and sustainable future for all.”

KCDT also offers the Digital Toolbook for Social Impact (DiTSI) – a comprehensive digital transformation compendium – including actionable resources such as technology tools and service provider directories etc. to enable nonprofits to take the first steps in their digital transformation journey. The DiTSI platform will evolve into a dynamic and collaborative DT Marketplace for the social sector, facilitating information and knowledge exchange, with training courses and sectoral case studies, research papers, connecting SPOs with resources like mentors, volunteers to name a few.

The Koita Foundation will provide significant financial support to the KCDT over the next five years, enabling ILSS to develop and deliver high-quality programs, conduct impactful research, and build a strong community of practice for digital transformation in the social sector.

“KCDT, through market-leading educational programs, knowledge products and platforms like DiTSI, will make human-centered digital transformation accessible and possible for nonprofits,” said Anirban Chaudhury, Head of KCDT. “We are deeply honoured and excited to partner with Koita Foundation in designing and building KCDT by combining sectoral context with industry best practices.”

For more information on the Joita Centre for Digital Transformation, visit indialeadersforsocialsector.com/koita-centre-for-digital-transformation.

About ILSS

India Leaders for Social Sector (ILSS) is a learning and leadership development organisation focussed on building leadership capacity for India’s social sector. Through a range of programs across areas of Women’s Leadership, Fundraising, People Practices, Board Leadership and Governance, Digital Transformation and Leadership, ILSS equips crossover and sector-grown leaders with the knowledge, skills and mindset necessary to navigate the complexities of India’s social sector and make a meaningful contribution.

About Koita Foundation

The Koita Foundation, founded in 2017 by Rizwan and Rekha Koita, empowers NGOs and drives digital health adoption in India. Focusing on NGO transformation, the foundation helps high-impact organizations scale through digital tools and data-driven strategies. In digital health, it partners with leading institutions like IIT Bombay, Ashoka University, and national bodies to establish centers of excellence and advance nationwide initiatives. KF has supported over 25 NGOs across healthcare, education, and livelihood sectors.