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innovation is simplicity




SaaS & Cloud Application
Development & Delivery
A Whitepaper by Ekartha, Inc.
by
Gurpreet Singh, Ekartha Inc.
Raj Sethi, Ekartha Inc.




Ekartha, Inc.
63 Cutter Mill Road
Great Neck, N.Y. 11021
Tel.: (516) 773-3533


Ekartha India Pvt. Ltd.
814/B Law College Road
Demech House, 4th Floor
Erandwane, Pune, India
Tel.: +91-20-6601-4103


Email: info@ekartha.com
Web: www.ekartha.com
Alice
                                                                                                                  SaaS and Cloud Application Development & Delivery
                    innovation is simplicity

  Introduction
  The software industry has entered a period of enormous change. Software as a Service (SaaS) and Cloud Computing
  are fundamentally changing the software business model and the way software is delivered to customers. Compared
  to on-premise applications, SaaS applications are delivered through the web, billed on a subscription basis, and
  service providers themselves are responsible for delivering the application at acceptable service levels. As a conse-
  quence, the economics of delivering SaaS is different from traditional software applications. Companies delivering
  SaaS/Cloud applications need to realize economies of scale, and keep the application delivery costs low. These
  issues have a significant impact on how SaaS applications are architected, developed, and delivered.

  Over the past 30 years, software vendors developed business applications meant to run on dedicated software and
  hardware infrastructures at the client’s premise or facilities. Furthermore, internal IT departments were responsible
  for the day to day delivery of the application with software providers supporting bug fixes or the usual upgrades.

  The increasing ubiquity of the Internet in the late 90’s led many software companies to offer traditional on-premise
  applications as a service - also known as Application Service providers (ASP). In the ASP model, software companies
  hosted the software on their own infrastructure rather than at the client site. This business model eventually failed
  primarily due to the very high cost of managing and delivering traditional on-premise applications as a service. This
  led to the realization among some companies that in order to deliver applications as a service, a fundamental
  change was needed. Issues like application scalability, cost of delivery, and application availability were paramount,
  and a new set of architectural, development, and delivery principles were required for a successful business model -
  a model that is now known as the Software as a Service(SaaS).

  The problem of developing scalable and robust SaaS applications with low application delivery costs is difficult.
  With the success of companies like Salesforce.com, Netsuite, and Oracle CRM the industry has come to some agree-
  ment on the critical elements needed to deliver a successful and profitable service. The chart below illustrates an
  example of how Oracle has dramatically reduced its operations cost compared to that of a traditional ERP On-
  Premise vendor. This reduction in operations cost by an order of magnitude is a critical factor in the success of
  SaaS and Cloud Services.




                                                    Source: Cloud – Seven Clear Business models by Timothy Chu

Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021     Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India
Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com         Tel.: +91-20-6601-4103
Alice
                                                                                                                SaaS and Cloud Application Development & Delivery
                    innovation is simplicity

  Achieving a level of application maturity similar to Oracle CRM as displayed in the graph above is a significant
  challenge for SaaS providers. Unfortunately, companies do not have choice in the matter. Over time subscription
  rates for most SaaS and Cloud services will face downward pressure, and not working towards a mature develop-
  ment and delivery model will make many SaaS business models unsustainable.


  In order to achieve acceptable levels of maturity, companies need to address issues in three core areas:


               • They need to build applications that support a multi-tenant architecture that enables a single
                 instance of the application to be shared among multiple customers. Multi-tenancy has a signifi-
                 cant impact on all layers of the application stack, and is challenging to achieve. This architectural
                 principle is a significant contributing factor in reducing application delivery costs.

               • SaaS vendors need to address a significant number of non-functional application concerns that are
                 essential for the success of the service. For example, traditional software vendors were not
                 concerned with issues like meta-data management, tenant customization and configuration,
                 scalability, fault tolerance to meet SLA’s, metering, monitoring, robust security in distributed
                 environments, and a host of other concerns.

               • As applications grow and scale, companies need to address automation of operations and applica-
                 tion management. Automation of operations and application management is among the primary
                 contributing factors in reducing application delivery costs. Despite emerging automation in areas
                 like the infrastructure cloud, 75-80% of the issues arising in operations are best solved at the
                 application design and development level. Furthermore, it is difficult and expensive to achieve
                 operational and administrative automation once the service is designed and developed. SaaS
                 providers can achieve significant benefits if application architecture takes automation of opera-
                 tions into account early in the application life-cycle.

   Development of the Alice Platform
   In order to help companies with the challenges of building and delivering successful SaaS and Cloud services, we
   have developed the first open SaaS platform called Alice. The idea of developing Alice arose from the needs of our
   clients. As a company focused on developing SaaS and Cloud services, it became quite evident to us that traditional
   J2EE, .NET, Ruby on Rails platforms were not designed to address base level architectural concerns of large and
   scalable SaaS applications. While building applications for our clients, Ekartha engineers had to spend considerable
   time extending traditional base platforms and frameworks to address multi-tenancy, data management, security,
   scalability, caching, and many other features. Many of the most successful SaaS companies had themselves built
   their own platforms and frameworks to address their specific applications and cost needs. Companies’ like Sales-
   force & Netsuite, first and foremost built platforms to meet their application needs and lower delivery costs,
   rather than building them to be sold as a Platform as a Service(PaaS).


   Release of SaaS application platforms by companies like Salesforce has not made a significant difference in the
   development and delivery of commercial SaaS applications. Currently, many PaaS/SaaS platforms on the market are
   suitable for development of only small situational applications, rather than commercial business

Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021   Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India
Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com       Tel.: +91-20-6601-4103
Alice
                                                                                                                        SaaS and Cloud Application Development & Delivery
                    innovation is simplicity

  applications that are of interest to startups, independent software vendors (ISV’s) and enterprises. These platforms
  use proprietary languages, are tied to a specific hardware/software infrastructures, and do not provide the right
  abstractions for developers. Alice was developed to address the above concerns, and provide a robust and open
  platform for the rapid development of scalable SaaS and Cloud applications.


                                                            Alice Architectural Diagram
                                   Alice
                                             Tenant 1                           Application                        Tenant 2
                                            User 1                                                                 User 1
                                            Metadata    User 2                                                    Metadata

                                                        Metadata    Clone                               Clone

                                            Metadata                                Metadata                       Metadata

                                         UI & Business Logic


                                     Multi-tenant Alice Services
                                                 Monitoring             Security &         Integration           Logging
                                                                          Audit
                                                     Metadata            Metadata            Metadata            Metadata


                                                 Messaging                Billing           Metering            Presentation

                                                     Metadata            Metadata            Metadata            Metadata




                                      Multi-tenant database persistence

                                   Linux & Java/J2EE
                                   Datacenter
                                        Servers                    Storage                Network                 Load Balancing

                                        Monitoring                    Redundancy                   Security




   Key Features - Alice Platform

      1             Rapid Development and Delivery of complex SaaS and Cloud Applications
                    SaaS development is complex and applications need functionality such as multi-tenancy, meta-data
                    management, metering, service provisioning etc., in addition to business functionality. Alice hides the
                    technical complexities of SaaS development, and enables developers to focus on business logic. This
                    leads to rapid development and accelerated time to market for SaaS applications.




Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021          Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India
Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com              Tel.: +91-20-6601-4103
Alice
                                                                                                                SaaS and Cloud Application Development & Delivery
                    innovation is simplicity




       2            Open Platform using standard technologies
                    Alice enables the development of applications using open and standard technologies. The open
                    standards insure that you are building applications using technologies that can be developed,
                    supported and maintained by a large community of engineers, architects, and developers worldwide.


       3            Robust Multi-tenant and Meta Data Driven Architecture
                    SaaS applications are built as multi-tenant, meta-data driven applications that are shared across
                    multiple clients. These applications have to be robust, flexible, and highly scalable across a shared
                    infrastructure. With Alice, developers inherit a strong multi-tenant and meta-data foundation that
                    significantly reduces development complexity. It is important to note that a multi-tenant architecture
                    should not just support a single instance application shared among multiple clients. The architecture
                    also needs to support application extensibility, configuration, and customization so that end customers
                    can use SaaS solutions without any compromise.


       4            Application Services for SaaS applications
                    Alice's provides standard application services like Logging, Validation, Presentation, Security, Workflow,
                    Transactions, Messaging, right out of the box. These services can be used by developers during applica-
                    tion development, and can be weaved in and out of the application without changing business logic.
                    This significantly reduces development costs and time to market.


       5            Integration
                    The Alice integration service provides a comprehensive set of technologies that makes it easy for
                    companies to build a comprehensive integration infrastructure for their applications. All application's
                    can have a full featured and straightforward Web services API that can provide programmatic access to
                    most of the features and data of the application. Furthermore, all integration connectors built using
                    Alice support full multi-tenancy including the associated security needs and exception handling
                    mechanisms.


       6            Operational Services for SaaS and Cloud applications
                    The operational overhead for SaaS and Cloud application delivery is significant. Issues like monetiza-
                    tion, billing, monitoring, and application provisioning are complex issues and companies face enor-
                    mous hurdles in cost and time in trying to address these challenges. Alice's Operational Services can be
                    used by application developers to incorporate billing, pricing, monitoring, and provisioning services
                    without writing any code.


       7            Seamless Deployment of applications on the Cloud
                    Using Alice, your applications can be seamlessly deployed on any cloud or hosting infrastructure. This
                    provides you complete independence to deploy your applications at an infrastructure of your choice,
                    and not be tied to specific vendors.



Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021   Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India
Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com       Tel.: +91-20-6601-4103
Alice
                                                                                                                SaaS and Cloud Application Development & Delivery
                    innovation is simplicity


   Use Cases for Alice
   SaaS Application for the Mortgage Industry
   Alice, Ekartha’s SaaS platform was used to rapidly develop a loan search service for the mortgage industry. The
   application had a scalable multi-tenanted architecture that allowed large and small customers to share the software
   and hardware infrastructure. A rule based search engine was built to process millions of rules in seconds. This was
   essential since fast search was an important qualitative requirement of the service. A robust security module that
   supported authorization, role based authentication, and encryption was developed in order to deal with sensitive
   data like credit reports. Tenants of different sizes were allowed to customize the application based on their specific
   subscription plan.


   SaaS Application for Alternative Investment Industry
   Alice was used for the development of an alternative investment management (Hedge Fund) Platform. Our client’s
   goal was to develop a professional web platform that allows Investors, Investment Managers, and various Service
   Providers to securely and reliably exchange relevant information needed by all parties to make well informed
   investment decisions. Engineers used Alice for design and development of a multi-tenanted database for semi-
   structured and non-structured (documents, spreadsheets, presentations, images etc.) data. The system was designed
   to allow for high quality searching capabilities, traditional relational queries, information auditing, and complex
   event management. A robust security system is being designed to allow investors, and managers to share informa-
   tion in a highly granular manner. A highly interactive browser based user interface was also developed. The software
   is being currently deployed on Amazon EC2.


   Nexus – SaaS based Billing & Subscription Management and System
   Nexus is SaaS solution for billing, pricing and subscription management and for SaaS and Cloud companies. It is built
   on top of Alice and is a fully multi-tenanted solution. Companies using Nexus can easily mange simple or complex
   billing subscriptions along with comprehensive revenue management. Nexus supports a variety of pricing plans –
   whether they are based on simple models or complex multi-transaction pricing. Nexus offers advanced functionality
   such as: revenue management, partner revenue sharing, invoicing and bill presentment, revenue recognition,
   integration with multiple payment gateways, and automated payment processing. The service can be quickly and
   easily integrated with existing applications to deliver a comprehensive pricing, billing and revenue management
   solutions.


   About Ekartha
   Ekartha provides Rapid Design, Development and Delivery of SaaS and Internet applications. Ekartha’s solutions
   provide companies significant cost reductions, and allow them to focus on their core business growth, rather than
   development and operations activities associated with SaaS and Internet applications.




Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021   Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India
Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com       Tel.: +91-20-6601-4103

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White-paper : SaaS Application Development & Delivery using Alice

  • 1. innovation is simplicity SaaS & Cloud Application Development & Delivery A Whitepaper by Ekartha, Inc. by Gurpreet Singh, Ekartha Inc. Raj Sethi, Ekartha Inc. Ekartha, Inc. 63 Cutter Mill Road Great Neck, N.Y. 11021 Tel.: (516) 773-3533 Ekartha India Pvt. Ltd. 814/B Law College Road Demech House, 4th Floor Erandwane, Pune, India Tel.: +91-20-6601-4103 Email: info@ekartha.com Web: www.ekartha.com
  • 2. Alice SaaS and Cloud Application Development & Delivery innovation is simplicity Introduction The software industry has entered a period of enormous change. Software as a Service (SaaS) and Cloud Computing are fundamentally changing the software business model and the way software is delivered to customers. Compared to on-premise applications, SaaS applications are delivered through the web, billed on a subscription basis, and service providers themselves are responsible for delivering the application at acceptable service levels. As a conse- quence, the economics of delivering SaaS is different from traditional software applications. Companies delivering SaaS/Cloud applications need to realize economies of scale, and keep the application delivery costs low. These issues have a significant impact on how SaaS applications are architected, developed, and delivered. Over the past 30 years, software vendors developed business applications meant to run on dedicated software and hardware infrastructures at the client’s premise or facilities. Furthermore, internal IT departments were responsible for the day to day delivery of the application with software providers supporting bug fixes or the usual upgrades. The increasing ubiquity of the Internet in the late 90’s led many software companies to offer traditional on-premise applications as a service - also known as Application Service providers (ASP). In the ASP model, software companies hosted the software on their own infrastructure rather than at the client site. This business model eventually failed primarily due to the very high cost of managing and delivering traditional on-premise applications as a service. This led to the realization among some companies that in order to deliver applications as a service, a fundamental change was needed. Issues like application scalability, cost of delivery, and application availability were paramount, and a new set of architectural, development, and delivery principles were required for a successful business model - a model that is now known as the Software as a Service(SaaS). The problem of developing scalable and robust SaaS applications with low application delivery costs is difficult. With the success of companies like Salesforce.com, Netsuite, and Oracle CRM the industry has come to some agree- ment on the critical elements needed to deliver a successful and profitable service. The chart below illustrates an example of how Oracle has dramatically reduced its operations cost compared to that of a traditional ERP On- Premise vendor. This reduction in operations cost by an order of magnitude is a critical factor in the success of SaaS and Cloud Services. Source: Cloud – Seven Clear Business models by Timothy Chu Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021 Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com Tel.: +91-20-6601-4103
  • 3. Alice SaaS and Cloud Application Development & Delivery innovation is simplicity Achieving a level of application maturity similar to Oracle CRM as displayed in the graph above is a significant challenge for SaaS providers. Unfortunately, companies do not have choice in the matter. Over time subscription rates for most SaaS and Cloud services will face downward pressure, and not working towards a mature develop- ment and delivery model will make many SaaS business models unsustainable. In order to achieve acceptable levels of maturity, companies need to address issues in three core areas: • They need to build applications that support a multi-tenant architecture that enables a single instance of the application to be shared among multiple customers. Multi-tenancy has a signifi- cant impact on all layers of the application stack, and is challenging to achieve. This architectural principle is a significant contributing factor in reducing application delivery costs. • SaaS vendors need to address a significant number of non-functional application concerns that are essential for the success of the service. For example, traditional software vendors were not concerned with issues like meta-data management, tenant customization and configuration, scalability, fault tolerance to meet SLA’s, metering, monitoring, robust security in distributed environments, and a host of other concerns. • As applications grow and scale, companies need to address automation of operations and applica- tion management. Automation of operations and application management is among the primary contributing factors in reducing application delivery costs. Despite emerging automation in areas like the infrastructure cloud, 75-80% of the issues arising in operations are best solved at the application design and development level. Furthermore, it is difficult and expensive to achieve operational and administrative automation once the service is designed and developed. SaaS providers can achieve significant benefits if application architecture takes automation of opera- tions into account early in the application life-cycle. Development of the Alice Platform In order to help companies with the challenges of building and delivering successful SaaS and Cloud services, we have developed the first open SaaS platform called Alice. The idea of developing Alice arose from the needs of our clients. As a company focused on developing SaaS and Cloud services, it became quite evident to us that traditional J2EE, .NET, Ruby on Rails platforms were not designed to address base level architectural concerns of large and scalable SaaS applications. While building applications for our clients, Ekartha engineers had to spend considerable time extending traditional base platforms and frameworks to address multi-tenancy, data management, security, scalability, caching, and many other features. Many of the most successful SaaS companies had themselves built their own platforms and frameworks to address their specific applications and cost needs. Companies’ like Sales- force & Netsuite, first and foremost built platforms to meet their application needs and lower delivery costs, rather than building them to be sold as a Platform as a Service(PaaS). Release of SaaS application platforms by companies like Salesforce has not made a significant difference in the development and delivery of commercial SaaS applications. Currently, many PaaS/SaaS platforms on the market are suitable for development of only small situational applications, rather than commercial business Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021 Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com Tel.: +91-20-6601-4103
  • 4. Alice SaaS and Cloud Application Development & Delivery innovation is simplicity applications that are of interest to startups, independent software vendors (ISV’s) and enterprises. These platforms use proprietary languages, are tied to a specific hardware/software infrastructures, and do not provide the right abstractions for developers. Alice was developed to address the above concerns, and provide a robust and open platform for the rapid development of scalable SaaS and Cloud applications. Alice Architectural Diagram Alice Tenant 1 Application Tenant 2 User 1 User 1 Metadata User 2 Metadata Metadata Clone Clone Metadata Metadata Metadata UI & Business Logic Multi-tenant Alice Services Monitoring Security & Integration Logging Audit Metadata Metadata Metadata Metadata Messaging Billing Metering Presentation Metadata Metadata Metadata Metadata Multi-tenant database persistence Linux & Java/J2EE Datacenter Servers Storage Network Load Balancing Monitoring Redundancy Security Key Features - Alice Platform 1 Rapid Development and Delivery of complex SaaS and Cloud Applications SaaS development is complex and applications need functionality such as multi-tenancy, meta-data management, metering, service provisioning etc., in addition to business functionality. Alice hides the technical complexities of SaaS development, and enables developers to focus on business logic. This leads to rapid development and accelerated time to market for SaaS applications. Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021 Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com Tel.: +91-20-6601-4103
  • 5. Alice SaaS and Cloud Application Development & Delivery innovation is simplicity 2 Open Platform using standard technologies Alice enables the development of applications using open and standard technologies. The open standards insure that you are building applications using technologies that can be developed, supported and maintained by a large community of engineers, architects, and developers worldwide. 3 Robust Multi-tenant and Meta Data Driven Architecture SaaS applications are built as multi-tenant, meta-data driven applications that are shared across multiple clients. These applications have to be robust, flexible, and highly scalable across a shared infrastructure. With Alice, developers inherit a strong multi-tenant and meta-data foundation that significantly reduces development complexity. It is important to note that a multi-tenant architecture should not just support a single instance application shared among multiple clients. The architecture also needs to support application extensibility, configuration, and customization so that end customers can use SaaS solutions without any compromise. 4 Application Services for SaaS applications Alice's provides standard application services like Logging, Validation, Presentation, Security, Workflow, Transactions, Messaging, right out of the box. These services can be used by developers during applica- tion development, and can be weaved in and out of the application without changing business logic. This significantly reduces development costs and time to market. 5 Integration The Alice integration service provides a comprehensive set of technologies that makes it easy for companies to build a comprehensive integration infrastructure for their applications. All application's can have a full featured and straightforward Web services API that can provide programmatic access to most of the features and data of the application. Furthermore, all integration connectors built using Alice support full multi-tenancy including the associated security needs and exception handling mechanisms. 6 Operational Services for SaaS and Cloud applications The operational overhead for SaaS and Cloud application delivery is significant. Issues like monetiza- tion, billing, monitoring, and application provisioning are complex issues and companies face enor- mous hurdles in cost and time in trying to address these challenges. Alice's Operational Services can be used by application developers to incorporate billing, pricing, monitoring, and provisioning services without writing any code. 7 Seamless Deployment of applications on the Cloud Using Alice, your applications can be seamlessly deployed on any cloud or hosting infrastructure. This provides you complete independence to deploy your applications at an infrastructure of your choice, and not be tied to specific vendors. Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021 Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com Tel.: +91-20-6601-4103
  • 6. Alice SaaS and Cloud Application Development & Delivery innovation is simplicity Use Cases for Alice SaaS Application for the Mortgage Industry Alice, Ekartha’s SaaS platform was used to rapidly develop a loan search service for the mortgage industry. The application had a scalable multi-tenanted architecture that allowed large and small customers to share the software and hardware infrastructure. A rule based search engine was built to process millions of rules in seconds. This was essential since fast search was an important qualitative requirement of the service. A robust security module that supported authorization, role based authentication, and encryption was developed in order to deal with sensitive data like credit reports. Tenants of different sizes were allowed to customize the application based on their specific subscription plan. SaaS Application for Alternative Investment Industry Alice was used for the development of an alternative investment management (Hedge Fund) Platform. Our client’s goal was to develop a professional web platform that allows Investors, Investment Managers, and various Service Providers to securely and reliably exchange relevant information needed by all parties to make well informed investment decisions. Engineers used Alice for design and development of a multi-tenanted database for semi- structured and non-structured (documents, spreadsheets, presentations, images etc.) data. The system was designed to allow for high quality searching capabilities, traditional relational queries, information auditing, and complex event management. A robust security system is being designed to allow investors, and managers to share informa- tion in a highly granular manner. A highly interactive browser based user interface was also developed. The software is being currently deployed on Amazon EC2. Nexus – SaaS based Billing & Subscription Management and System Nexus is SaaS solution for billing, pricing and subscription management and for SaaS and Cloud companies. It is built on top of Alice and is a fully multi-tenanted solution. Companies using Nexus can easily mange simple or complex billing subscriptions along with comprehensive revenue management. Nexus supports a variety of pricing plans – whether they are based on simple models or complex multi-transaction pricing. Nexus offers advanced functionality such as: revenue management, partner revenue sharing, invoicing and bill presentment, revenue recognition, integration with multiple payment gateways, and automated payment processing. The service can be quickly and easily integrated with existing applications to deliver a comprehensive pricing, billing and revenue management solutions. About Ekartha Ekartha provides Rapid Design, Development and Delivery of SaaS and Internet applications. Ekartha’s solutions provide companies significant cost reductions, and allow them to focus on their core business growth, rather than development and operations activities associated with SaaS and Internet applications. Ekartha, Inc. 63 Cutter Mill Road, Great Neck, N.Y. 11021 Ekartha India Pvt. Ltd. 814/B Law College Road, Demech House, 4th Floor, Erandwane, Pune, India Tel.: (516) 773-3533 info@ekartha.com www.ekartha.com Tel.: +91-20-6601-4103