Warm Greetings to the CTCL family from the Board. It is always a pleasure to share with you all, the latest news on the financial arm of the Union. The 38th AGM at Rishikul Sanatan College was attended by over 400 members, reaping benefits through savings, dividends. loans etc. The upward revision of the Loan Formula as well as the ceiling will now enable members to meet most of their needs. All the investments are earning good returns. This is demonstrated by the rates of dividends paid out. As the investments grow, new opportunities to acquire shares will open up.