How LIC's Agents Changed India FOREVER turning it into a 22 Lakh Crore Company ? : LIC Case Study

Invest in the Insurance sector of India:
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VIDEO INTRODUCTION:
In March 2022, India is about to witness its biggest ever IPO in the history of the stock market. Because the country's largest insurance company LIC is about to give away 5% of the Indian government's stake to potentially raise nearly $8 billion.
LIC is an iconic company in India history, that has been dominating the Indian insurance sector since 66 years and what blew our mind is that in 2017, while GOI's budget was 383.93 Billion dollars, LIC's AUM itself was 403.44 Billion dollars. The customer base of LIC is nearly 6 times the population of the United Kingdom. and with more than 280 million policies, it is the fifth largest insurer in the world in terms of insurance premium collection as of 2020. and today LIC is not just insurer but a nation builder, an employment generator and a critical financial conglomerate of India!!
The question is
What is the story of LIC?
How did it become such an important engine in India's growth history?
and most importantly as investors, what are the factors that you need to consider before you invest into LIC or Similar companies?
This video answers these questions
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#thinkschool #licipo #lic #lifeinsurance

[@abhishekulayil1930]

I feel the actuaries who worked behind the scenes for LIC also deserve great respect for their contributions, without them it would never have been possible.

[@96aditishah]

Good to see that people are now finally aware of what we actuaries do!

[@maheshsharma4968]

@@96aditishah are you a fellow member of IAI ?

[@96aditishah]

@@maheshsharma4968 yes. You too?

[@maheshsharma4968]

@@96aditishah No! I am an LIC employee. One of my friend is preparing for Actuarial exams that's why I know its very tought to become an Actuary. You must have worked really hard to reach where you are! Congrats

[@GauravDhandhukia]

क्या ये एक्यूरीज कभी बताएंगे की आपके प्रीमियम की कितनी रकम इंश्योरेंस पे जाति है और कितनी इन्वेस्टमेंट पे?

[@AkashKumar-vc4nt]

One of the reason for LIC was earlier there was no term insurance,LIC product was like Fixed deposit with insurance cover for common man,and at that time interest rate was also above 12℅ which was huge,so peoples were investing in LIC as there savings tool and if something happens it also acts as Insurance.

[@sarthakjoshi9824]

Also inflation was 10 12 % at that time 😂

[@AkashKumar-vc4nt]

@@sarthakjoshi9824 today also according to govt. Data inflation is 6% but in reality if inflation would be calculated it would cross 10%, intresting think is that you don't have to calculate just ask a common middle class about inflation and he will explain you everything.

[@007_Sun_Tzu]

@@sarthakjoshi9824 its the same all along ..dont go by stats...its always manipulated...just look at it this way...how money loses power overtime.....100rs 10 yrs ago could buy what and what it buys now

[@nandini72827]

@@AkashKumar-vc4nt idk which country's middle class UR a part of . And the major cause of inflation isn't even Modi's fault it's geopolitical tensions . So please go drown

[@nandini72827]

@@007_Sun_Tzu so what would you like ? Deflation ? Is that what u want ?

[@swagatdas9320]

Thanks for everything you're doing!

[@siuuuu5234]

₹40.00?

[@n1rupam]

@@siuuuu5234 40>0

[@kg3217]

@@siuuuu5234 Donate kiya hai unhone

[@stocker4321]

But Google keeps 30% of this money😢

[@jigsaw2281]

Government budget in 2022 2023 is 585 billion dollars dumbo...Stop spreading fake knowledge.. Educate yourself first...Kahan kahan s ajate h gyan dene

[@akshaypendyala]

This is the problem with legacy companies , they have reach, the capital and experience but fail to mould themselves with respect to modern technology!

[@sagarkulkarni2590]

They easily can Simply acquire tech co

[@akshaypendyala]

@@sagarkulkarni2590 but they don’t, because they think what they are doing is better!

[@indianchannel1391]

@@sagarkulkarni2590 if that is the case, they shpuld have done by now. They are lazy and wont do anything.

[@vikranttyagiRN]

They would go extinct which is better for us.

[@starkfuture1057]

@@sagarkulkarni2590 nope. They are standing still and watching the world go by. Online policies with low margins is where the bread is at.

[@UPSC_Saarathi.]

My father was LIC agent and I used to go with my dad to every house of rural area near by me, this video reminded that moments.

[@baijubahuleyan6204]

Your father was a building block to our nation.

[@FilesdocumentsAndreposit-kr3vb]

*those

[@johnthomas5090]

LIC had investments in 280 companies, it's more like a index fund. But, buy an index fund rather than via LIC. LIC is facing challenges in tech led disruption, adhoc govt intervention in proping up unviable PSUs like IDBI. The quality of the management is questionable too: LIC board member on ICICI board never raised any objections when loans were sanctioned to Videocon group in favor of kickbacks. This is one company that doesn't know to protect its own investments

[@hardikpatel3272]

I am an lic agent and I am very happy to see this video thanks to make the video 👍👍👍👍👍

[@ThinkSchool]

Do share it with your LIC friends :)

[@urvashipandey530]

@@ThinkSchool my father is also an LIC agent😁

[@kumarvivek1866]

@@ThinkSchool my father is an lic agent too and he is MDRT now.

[@mukuljoshi944]

Could you please make a case study on Downfall of BSNL. I still feel it is one of the best telecom company in India, but is stripped off of its services strategically by some elements of the Government and Private sector players. It is a slow killing of a giant.

[@bravewarrior1218]

BSNL. I am of the opinion, that it is not any Government but Trade Unionism, work culture and corruption at all levels, which has destroyed BSNL and many other PSUs. Both employees and officers are responsible. I am not saying that there are no dedicated officials in BSNL, but I am telling that general work culture in a PSU is unprofessional. A Govt servant does not think that he is a servant of the people but he thinks that he is the master of the people. BSNL had great opportunity to serve the country and also employee get good salary but have wasted this opportunity. I am not telling that Govt policies are not responsible, but if employees could give very good result, no Private Company could replace BSNL. One cause of unprofitability is huge staff and salary expenses but Unions will never accept staff restructuring. Importance of Unions will decrease there only few thousand employees. Now there are about 1.5 lakh employees. Now, only total restructuring and professionalism can save BSNL.

[@ketunky3056]

Because 4 g was not given to bsnl. Who will buy their sim

[@ketunky3056]

@@shortz9976 ha chal apna kaam kar

[@daanush468]

A close friend of mine worked in BSNL and often complained about how inefficient the company and unskilled the employees were. You give people the security that comes with a government job, it's likely to happen.

[@udaykumarreddy4175]

Government has no business in doing business

[@raghunathpatra360]

LIC agent in my village started with bycycle door to door , now he owns 3 cars and donates at least 3 lakhs every year for village cultural program.

[@debjitpaul8580]

My dad is a D.O in LIC. I'm so glad because of the IPO, people are appreciating their effort now :) Our generation is more attracted towards private jobs in IT sector bcoz the money is good but there's a sense of pride my dad has in his job that I'll never get.

[@hrisikeshbhattacharya5467]

There is a sense of pride even in private sector. Private companies like Wipro, Infosys, Mahindra, etc created more jobs in 10 years compared to the government in the last 70 years

[@debjitpaul8580]

@@hrisikeshbhattacharya5467 You're proud because the company you work for creates jobs? And that is somehow comparable to securing a poor family's future with life insurance? Please no more dumb reply, just go away!

[@astrax14x]

@@debjitpaul8580 your reply is bullsh!t. The taxpayers money was looping in back then

[@LearnbyLogic]

​​@@hrisikeshbhattacharya5467ore layoffs as well by Pvt companies 😂...

[@carakeshgupta5416]

One of the best KZbin channels I have ever come across!! Keep the good work going !!

[@umanadkarni7647]

Thank you Thinkschoo for the information. I am an ex employee of the Corporation and am very well aware of the scenario. The best part, as you said, was settlement of claims, be it death or otherwise, swift and without any corruption. Huge amounts are settled promptly and with least paperwork. Here the agents come to the rescue of the grieving family. So, at least in rural or semi urban population, agent is the link or the face of the Corporation. There are a number of cases wherein the original agent is either dead or not reachable, in such cases, some other agent goes to help, without earning a single rupee. Its very difficult in this current situation where people compare insurance with stock market for profit making. So, though, LIC has thought about direct marketing or online marketing as congruent channels for marketing, agents become the basic pillars for business. As nation builder, LIC plays a major role but is always underplayed, as this isn't given the publicity that is needed. We were always told that this was WIDOWS' MONEY. So, though, best service was expected which was prompt and corruption free, basic amneties weren't provided to the employees. With the advent of foreign players, LIC stood tall with maintaining their market share with the help of employees and field staff. LIC changed its face and had new customer friendly offices. As you said correctly, there is no profit as such. But the surplus is efficiently managed. So the mechanism, even if it is not a private sector, is oiled properly. There will still be a need for new marketing strategies in the years to come. I believe that the best is yet to come. Thank you so much, once again, for the time and efforts put into this vdo. Keep rocking Thinkschool

[@kunalanand4781]

Thank you for mentioning this.

[@beingmyself147]

I didn't get why So many youtubers Promoting angel ,upstocks etc..by highlighting LIC I thought what is special in that Every company Listed in Market when they need But after watching this video ,I realised that LIC value .... Tq LIC Note:I'm A think schooler from 1 years and following every case Study

[@joeljacob4685]

The value that you are embedding in these videos are simply remarkable ...Keep going...

[@baijubahuleyan6204]

You guys are amazing .. Thank you for the content

[@VichitraChitta01]

Thanks for the video. You're changing his we look at communicating for citizens who want to be more aware. Respect. 🙏

[@avinashpoojary2970]

LIC is a huge Company. Never knew so much about it till now. Thankyou

[@shivamagarwal9]

The kind of information you are providing is articulated so well, wish you become India's biggest KZbin channel!

[@atreyeepal3643]

You are the best sir. Amazing content. Thank you for educating me😊😊

[@nithingowda2835]

I like the way how you present each question in our mind/ daily life in a professional manner

[@krishkg_2187]

Thank you for this wonderful content. Another point missed in this content was earlier (before 2000) Agents used to approach people in their known circle and used to pay first premium amount on behalf of their customer.

[@GauravDhandhukia]

सिक्के का एक ही पहलू दिखाया है दूसरा पहलू पूरी तरह गायब है 😆

[@cshekhar1221]

Very well explained....thank you👏👏

[@floorplanslibrary-fpl6]

LIC employees are very humble & and helpful

[@chitradakshinkar7686]

NOT TRUE.MANY YOUNG PEOPLE BECAME AGENT AS TO GAIN EASY MONEY OF THE COMMISSION EARNING AND DID NOT TAKE IT AS A CAREER AND END TO END SERVICE PROVIDER.ONCE THEY SELL POLICY THEY THINK THEIR ROLE IS OVER AND AFTER SALES SUPPORT IS NOT GIVEN.ALSO THEY MISGUIDE ABOUT THE POLICIES WHICH GIVE THEM HIGHEST COMISSION.THERE ARE SEVERAL CASES OF AGENTS AND THEIR MISGUIDANCE AND BAD BEHAVIOUR.ON THE CONTRARY AGENTS SPOILED LIC NAME AND PEOPLE ARE NO MORE INTERESTED IN LIC POLICIES BUT OTHER INSURANCE AND INVESTING COMPANIES.

[@floorplanslibrary-fpl6]

@@chitradakshinkar7686 I mentioned particularly about employees

[@chitradakshinkar7686]

Not also for emplyees.Not all but most of the employees are rude not helpful.These days they are atleast answering properly due to changing times.But after all they are enjoying government jobs.Difference can be felt when comparing and experience with private companies...

[@urvashipandey530]

@Abhishek Singh my father is also an LIC agent ☺

[@shridharpandit9698]

One of the great videos till now on your channel.

[@varunprakash6207]

LIC - Life Insurance company of India 1september 1956 Building 🏢 The Nation 👍combination of Private insurance company The largest insurance investors The pillar of Growth by LIC Agents they reach knock and corners of country from urban to rural area and LIC investment on Government Project and Development infrastructure of India Think school 🏫 Explore LIC india from 1956 - 2022 The Growth of LIC stands out of competition through its policy and Agents reach in and around country 👍 Thank U Ganesh Anna Exploring LIC india in future it is IPO India to collect money 💸 by investing stock market decision by Govt of India 👍

[@mangeshdhore]

Thank you for making such a quality content!

[@victorsaha2347]

Wonderful analysis❤️

[@arunjohn708]

Really learned new informations....Thank you Think School team.

[@gauravpatil6289]

just amazing One more reason to love my beautiful India

[@asiankangaroo1736]

Even when i had no idea about what insuranc was.. i knew "LIC, zindagi ke saath bhi zindagi ke baad bhi"

[@CodehanCodes]

The reason LIC agents annoy people so much to get a policy is because of the lucrative commission that they get. Just to give you an idea say I pay a premium of 1lk per year to LIC and the term is 15 years the agent get 25% of the premium paid as commission in the first year, 15%(7.5% each year) for 2nd & 3rd year, 5% every year until the 15th year. Technically I will pay 15lks in premium to LIC over 15 years and LIC pays almost 1lks in commissions over 15 years. The agent job is just to find clients and convince them and do the paperwork which might take a week but look at the returns, its huge. Here I have given an example of just 1lk premium paid per year, in a year if they manage to get aleast 10lks in premium paid to LIC the return is 10lks. This is where LIC is losing most of the money, if LIC manages to cut off agents and move online completely then it will be a monopoly for years to come.

[@ashwatthama4075]

You are correct, but you must understand most people in India especially Tier-2 and Tier-3 cities and villages won't trust online transactions for things like insurance. Even after so many years insurance penetration in India is very very low compared to developed countries. Also, most LIC agents are housewives, middle class people working as an agent as a secondary job and many rely solely on this to run their family. Their are millions of beneficiaries due to this. And, most agents don't get their complete commissions. They are forced by the people to reduce their commission, many end up only with 5-10% of total commission. There is cut throat competition amongst agent to reduce their commission by giving back the earned money to the customer or customer would pay discounted amount based on their calculations.

[@skyinearth]

@@ashwatthama4075 Just think about the smartphone generation, do you still believe LIC will function same as now in near future and will be profitable by paying huge amount of commission to their agents.

[@yourfriend6505]

Thankyou for the info

[@KalyankarVishal]

@@skyinearth for ur kind information sir..lic has his tech term policy which u can buy online only and the premium is also low ..and recently lic and policy bazaar comes with partnership for selling of lic policy from their platform

[@s.vellaiyammal9811]

@@ashwatthama4075 exactly bro my mother is also a lic agent,its not easy to convince people to invest.most of the customers demand commission to be payed for their premium If not they don't agree

[@satyendranooka3437]

Hey! The thumbnail is changed right? There was Jawaharlal Nehru on the thumbnail but now there's You! 👌 I observed it 😁

[@GirishKumar-jm5gi]

Metoo

[@satyendranooka3437]

@@GirishKumar-jm5gi oh nice 😄

[@eren-qu9uu]

i was accepting more in this video like more on competition of LIC and future prospect for it with lot of other private companies , hope to see in future and also more about government regulations etc.

[@doesntmatter8949]

Top notch video as usual.

[@piushdixit]

This channel is doing a great job. Content like these are difficult to get 👍👍

[@kushparmar9486]

Exactly, it’s difficult to find about the history of Indian companies in video format

[@unnilibra]

You provided a highly detailed picture, Thank You.

[@abubarkat6954]

Hard work always pays off...

[@ashishbanerji623]

Excellent vdo as always! Would be nice if you covered SUUTI briefly. Also request you to make a story on Balaji (wafers) like you covered Haldirams, as I think you are already inspiring many young Indians in the domestic start up space with success stories of Indians even before the internet boom👍🙏

[@rajeshchouhan458]

Appreciate your hardwork

[@ArsidAkhila]

Woww such a inspiring story🔥🔥💯

[@rajgopal6056]

My Father was a n LIC Agent... Thank for the video...

[@debanshubanerjee3443]

Great subject Ganesh.

[@pramodrathod9107]

Tx sir. Nice information

[@cpvenkatanathanparthasarat4182]

Very well presented. Dissected well to understand the strength and weakness. If you can further dig the goldmine called LIC on wealth built by investment in stocks.

[@biographiesandbusinesscase5384]

I really appreciate your content.

[@shadab_0706]

useful as always

[@shreyash_kashikar]

What a content.... Super awesome storytelling for which Mr ganesh is actually known for.।

[@nikhilhumane5540]

That study was so good

[@satishvirivinty7900]

you’re just amazing with the facts brother. i thought LIC was worst in claims settlements, but this is something interesting.

[@veerporwal]

Hey man, love your content❤

[@prathamlalwani6918]

Loved it!

[@ankur7564]

wow i definitely did not know all these awesome facts

[@mauliksatasiya6664]

My experience with LIC has never been good. The employees always behave like they are doing a favour on us. They are not even updated technologically. Only know which button to press for their regular work. A few days back I went to claim my policy bonus, their system showed my linked account as Dena bank (which is now BOB). The employee laughed off as I brought documents of different bank. Then he realised the joke was on him.

[@Ranjith_747]

For the very same reason(their arrogant behaviour), I switched insurances, investments and banking to non PSUs 20 yrs back.

[@indianchannel1391]

My father passed away due to covid. The branch manager denied releasing claim even after extensive investigation and Mental grind on my family. He finally asked my mother to take policy for 50% of claim (a pension plan with 4.5% pa returns) in order to process the files.

[@Ranjith_747]

@@indianchannel1391 take the plan as per his wish and cancel within 15days. Meanwhile you get your claim done. Or you can write to insurance ombudsman.

[@indianchannel1391]

@@Ranjith_747 we have free look period of 30 days . But they didn’t deliver the policy copy by post. They always said policy document is not generated, but they gave us policy document after 45 days . I thought of raising complaint but my mother stopped as they emotionally tortured and didn’t want to drag more .

[@Ranjith_747]

@@indianchannel1391 stay strong and fight for your rights. Dont get cheated again by those greedy fraudsters. You can complain on the agent to customer care and in insurance ombudsman.

[@hirengajjar33]

The major concern for LIC is its dependency on nearly 13.5 Lakh ( which brings 95% of their business) Agents, on which they paid around 22,358 crores in 2021, and whatever the money they are and they had invested, is the money of policyholders, and I'm always been Optimistic but anything happens to the market which hurts people, money, and their life too. Also, they are lacking in Tech-based distribution over Agents, where they nearly lost a market share of 12% from 56% in 2016 to 44 % in 2022; in individual policies and group policies market share has reduced to 77% in 2020, which was 81% in 2016. Also now LIC gonna listed on the index which means these numbers need to improve and they need passive income sources apart from the money of policyholders.

[@rajeshdessai2806]

Im soo proud of l.ic . My father is l.ic agent .proud that we all contributed for nation growth .

[@chandubai]

Thank you Ganesh 😊 🙏

[@sekharvarma4994]

Awesome explanation

[@Kannadiga2301]

Great 👍 video ganesh sir

[@kamalashgovindaraj5245]

Thank you bro.

[@amitjoshi1060]

Bro your content and presentation is too good..keep it up

[@amitjoshi1060]

Pls create content in hindi too..many people will benefit

[@venkatkrishnamurthy3454]

Ironically, LIC holds a 16.25 per cent stake in ITC Limited....and maybe selling life insurance to Mukesh (the documentary film character)!

[@jatinnandwani6678]

Thanks so much

[@karimullapshaik3085]

Thanks!

[@Kumarkumar-ge6yi]

Very insightful video sir... please made some videos on startup failure too

[@indianchannel1391]

One of the hidden secret is, LIC is the reason for under coverage of Insured people in India . Bcz agent’s get more commission in endowment plans than term plans so they are interested in selling endowments than Term plans

[@skyinearth]

That's the truth I was searching for 😁

[@shubhampatil-cf2gn]

Hey Think School, thanks for this great video. Could you guys please make a similar video on Dava India. Thanks.

[@nisargmehta9347]

Part of me is happy that I found this channel ☺️ and part of me is unhappy because it is underrated 😔

[@just_a_curious_thinker]

You will be even happier when you will know there is a hindi channel who explains as good as him *Convey by Finnovationz*

[@SandeepSingh-kb3ge]

Bhai bht sahi...

[@canweable]

good video.. However, LIC is not giving returns to investors. Now it is tough to sustain in the current situation and Service is not that great compared to private partners..

[@rangaswamyas3883]

Good pvt players are giving verygood returns go buy insurance to get very good returns from your pvt partners just go through plans and then talk

[@user-my9dp2ny3l]

Amazing!!!!

[@rrohit1713]

Thanks for educating me. This really helped me alot. Please do provide your research via drive. It could be a lot of help

[@yashpawar6735]

Such a great play from LIC

[@ananthakrishnan990]

I fully endorse the views of the message given. I am in agency line for the past seven years.

[@DeepteshLovesTECH]

LIC always worked for the poor. My father with over 40 years of Agency experience always swore by this moto. Helped countless families and always strived to provide best service as possible. He is 65 and still working. Currently he is still fighting for the betterment of LIC Agents' life and their benefits. I always question my father, that your time is almost over, why do you care? I guess he has a special connection with the company that can be credited with the job of building INDIA.

[@kkkuku5830]

Good video indeed

[@sardarjasneetsingh]

The animation and vfx ❤️❤️❤️❤️😍

[@jarbuyer]

I am very excited about new age insurance startups.

[@jenililly8571]

Awesome 👍

[@bestofsports9818]

Thanks

[@MMK007]

Excellent video

[@UjjwalKumar-]

Superb..............................................

[@skyinearth]

You missed a point that is premium of LIC is comparatively higher than pvt insurers and their claim settlement as well as amount settlement ratio is also higher than LIC ( as in case of MAX Life Insurance & TATA AIA)

[@ananthakrishnan8484]

Is a company supposed to run off air instead of money or something, if no profits come, how will one manage a company.

[@pritamsingh735]

Bro I got selected in lic as an assistant in 2020 through IBPS.. who said u lic claim settlement ratio is lower . Private insurers doest shows accurate ratio of claim settlement..no one can pay the claim as lic pays.. we receive claims in daily way more then any premium received by private companies.. who said u lic premium is more then private?? It depends on product that companies r providing.. what about bonus rate that lic provide in comparison to private insurers???

[@skyinearth]

@@pritamsingh735 Your work there has nothing to do with this topic, checkout this news article where you'll find two chart dedicated to Claim settlement ratio along with amount settle ratio, also read some lines in the article where it states that this info is been verified against IRDAI, and in the chart you'll find pvt companies like Bharti AXA too with higher claim & amount settle ratio than LIC.

[@panigrahij]

Claim settlement is at per & amount settlement is highest in LIC. However most important is faster settlement, lowest grievances & much more important Unclaimed money used for national charity & surplus is used for nation building/strongest shoulder for Indian economy and many more right now. Future nobody knows, however we can judge from past and present. In India many of the failed insurance giants are doing joint ventures. Once upon a time a Lonny of LIC for RIL Jamnagar plant became a competitor with LIC now. So anything can happen. Hence country is first, I support LIC.

[@skyinearth]

@@panigrahij Amount settlement and claim settlement is higher of Bharti AXA as per IRDAI reports, which is around 95% for LIC and around 98or99% for Bharti AXA, haven't encountered any Insurance claim yet but I do agree that LIC's settlement time is good but their policy is also a bit more costly. Just check my prev reply for the news link to find settlement ratios.

[@neelangshusarkar3525]

I think that maybe because the realisation of the importance of life has increased, and the normal lives of people are being disrupted, people would be much more keen to opt for life insurance which would ensure both the short-term and long-term well-being of their family members. So I think it would be beneficial for LIC and the insurance industry in general.

[@dipayandasgupta4476]

Loved it

[@TonyStark-nd5lt]

how you do research please tell and from which website

[@Pidamoussouma]

Very nice video brother

[@himmatdholiya7051]

JAY HIND THANKS FOR SUCH HUG HISTORY OF LIC= A GIANT INSURANCE & FINANCIAL INSTITUTE

[@chandrakantdubey3254]

gosebump case study

[@govindadas7095]

LIC has the early movers advantage and enjoyed monopoly for a very long time,still it enjoys a high level of trust and credibility among its customers which is difficult to match for its competitors

[@dhawalanand4013]

This means hum sabhi ne mil kar desh ko dobara banaya hai ❤️

[@kurikingfinance]

wow great editing

[@aayushmalviya1710]

I watch other utub videos in 2× but in your case i needed .75× Great work bro

[@TppJay]

1.5x

[@vinaymall543]

What an explanation

[@ajithlamobha8525]

Super sir Speak about post office rd scheme

[@Aditya-hx4iw]

Such a #informative content 👍👍👍

[@blwbisht]

Amazing ⚡⚡⚡

[@devanshverma9024]

great analysis my father is a devlopment officer in lic

[@manasdasbpclab1496]

Great

[@sandeepva6409]

Thanks bro

[@karank1694]

Someone messed the audio sync this time koi na content tou best hai hei usko cover krne ke liye best case study channel doing its best to educate INDIA