Dear Editor,

Thank you very much for sending me the July-September, 2003 Issue of COSIDICI COURIER.

It gives interesting reading. As the Editor of the magazine I compliment you for giving lot of details about the “Restructuring of Debt Liabilities”. Most of the SFCs are in Financial crisis and I understand, substantial amount is blocked as NPA. I think, on the lines of ARC something should be thought-of, for SFCs also.
I am grateful to you for sending me the magazine regularly.

With regards,

Yours sincerely,
{ K.C. JAIN }
Senior President
Kesoram Cement
Vasavadatta Cement
[B.K. Birla Group of Companies]


Dear Editor,

With your good wishes I have been able to submit my Phd. thesis on the topic “Comparative Evaluation of Performance of State Financial Corporations of Haryana, Punjab & Delhi” to the Punjab University, Chandigarh and the same stands approved.

I would like to place on record the appreciation for the help attained from the Journal “COSIDICI COURIER” in the course of my research work. The editorials of the said Journal were particularly informative and provided relevant information in a capsule form which proved to be of immense help in carrying out my research work.
I am forwarding a research article titled - “SFCs Strategy for Survival” for consideration of publication in the prestigious journal -COSIDICI COURIER”. I hope the research work done by me would be of some value to the SFCs which are passing through a difficult phase at the moment.
Thanking you once again for your continuous support and encouragement.


Yours faithfully,
(Sanjeev Chaddha)
Senior Manager
Delhi Financial Corporation
Branch Office Chandigarh