Be the Choluteca Bridge or adapt and survive

Have you heard the name of the Choluteca Bridge (Carías Bridge) in Honduras, if you answer is "no" then you are not alone.  If you are wondering what a bridge in a Central American country has to do with adaptability, well here is the story of the Choluteca Bridge.

The Choluteca Bridge or the Carías Bridge is a suspension bridge located in Choluteca, Honduras.  The bridge was constructed in 1930, and rebuilt in 1996.  Knowing the bridge was likely to face extreme hurricanes, the Honduras government commissioned some of the best minds dealing with bridge construction in the world to build a bridge that could withstand any hurricane.  It was indeed a state-of-the-art bridge, which could withstand the high speed winds and hurricanes that are not uncommon in the region.

In 1998, Hurricane Mitch hit Honduras hard.  Hurricane Mitch was categorized as category 5 (252 km/hour or higher wind speed), Mitch devastated the entire Caribbean region and Honduras was not an exception.  Roads were swept away, buildings were destroyed and almost all bridges were destroyed.  Choluteca Bridge stood majestically amidst all the doom.  Indeed the best minds from the bridge construction fraternity did not let down the Honduras Government, well almost.  Mitch caused the river underneath to change course and carve out a new route for itself.  So essentially, the Choluteca Bridge with all its grandeur stood there but lost the very purpose of its existence.  Choluteca Bridge was thus a bridge leading to nowhere with no roads on either side but it did leave us with an important lesson.

Foresee, plan and adapt quickly before we are rendered redundant just like the Choluteca Bridge.  This is true for one's career and more importantly in the stocks that one holds in his/her portfolio.  Perhaps the time and age for starting and ending a career in the same field is an idea which has long passed its use by date.  More importantly, the time for a buy and hold portfolio perhaps long gone as business are made redundant at a much faster pace.  The Wuhan virus is the Hurricane Mitch of 2019-2020 and in all probability we will be facing other forms of Hurricane Mitch in our lifetimes, time to adapt and survive.

Benefits of Aadhaar Card

Aadhaar is a 12 digit unique identity number (random number) which is assigned to all Indians (resident as well as nonresident) based on their demographics and biometric data (all 10 fingerprints, two iris scans and facial photograph).

According to UIDAI, "Aadhaar number is devoid of any intelligence and does not profile people based on caste, religion, income, health and geography. The Aadhaar number is a proof of identity, however, it does not confer any right of citizenship or domicile in respect of an Aadhaar number holder.

Aadhaar is a strategic policy tool for social and financial inclusion, public sector delivery reforms, managing fiscal budgets, increase convenience and promote hassle-free people-centric governance. Aadhaar can be used as a permanent Financial Address and facilitates financial inclusion of the underprivileged and weaker sections of the society and is therefore a tool of distributive justice and equality. The Aadhaar identity platform is one of the key pillars of the ‘Digital India’, wherein every resident of the country is provided with a unique identity. The Aadhaar programme has already achieved several milestones and is by far the largest biometrics based identification system in the world.

Aadhaar identity platform with its inherent features of Uniqueness, Authentication, Financial Address and e-KYC, enables the Government of India to directly reach residents of the country in delivery of various subsidies, benefits and services by using the resident’s Aadhaar number only."

Benefits of Aadhaar therefore can be enumerated as:

Aadhaar based direct benefit transfer.  The benefit transfers may include but not limited to LPG subsidy, fertilizer subsidy (for farmers), MNEGRA.

            Verification of income tax returns through Aadhaar OTP.

            Passport in 10 days.

            Opening of bank account in a few seconds.

            Quick provident fund disbursement.

            Jeevan Pramaan, i.e., life certificates for pensioners.

            Digital locker.

            Getting a new mobile number in seconds.

            For investments (reducing the chances of benami investments).

            Driving license (to avoid a person having multiple driving licenses).

            Voter card linking (to avoid duplication).

A BEAUTIFUL SIDE EFFECT OF AADHAAR NUMBER:

Citizens of India who for some reason might get lost (children, old, mentally challenged or a person who has memory loss after suffering shock) can be brought to an Aadhaar center, and a simple biometric scan will give the entire details of the citizen. This, to my mind, is the best side effect of having an Aadhaar number.

"Sitting is the new cancer"

“Sitting is more dangerous than smoking, kills more people than HIV and is more treacherous than parachuting. We are sitting ourselves to death,” says James Levine, a professor of medicine at the Mayo Clinic, in an interview in with the LA Times.

Of all things that could be dangerous to your well being, the last thing that could come to your mind would probably be the chair, but Dr. Levine says “The chair is out to kill us.”

I would not hesitate to estimate that in cities we spend almost 60-70% of your productive life sitting, be it sitting for commute (car/bus/airplane), sitting at work, watching television/sitting in front of the screen, or having lunch/dinner or reading a book.

Studies show that exercising regularly in a gym does not completely reverse all the ill effects of prolonged sitting simply because 9 hours of sitting cannot be undone by an hour of exercising.  When you are sitting for prolonged hours, metabolism slows down by over 95% and thus all the chemical and electrical activity of your body comes almost to a standstill.

Prolonged sitting can lead to many things; increased risk of obesity, back pain, spondylitis, increased cardiovascular risk, increased risk of diabetes mellitus (type 2). All of these although life threatening can be easily diagnosed and cured with change in lifestyle, but the most threatening of all the risks of prolonged sitting is cancer, specifically colon cancer.

The exact reason why sitting increases cancer risk is still unknown, but scientists have found a number of biomarkers that are present in higher levels in people who sit for prolonged periods.

"There are several types of cancer that are believed to be caused by inactivity. Christine Friedenreich, an epidemiologist at Alberta Health Services-Cancer Care in Canada, estimates that 173,000 cases of cancer in the U.S. are due to inactivity, with 49,000 cases of breast cancer and 43,000 cases of colon cancer. The other cancers linked to inactivity are lung (37,200), prostate cancer (30,600 cases), endometrial cancer (12,000 cases), and ovarian cancer (1,800 cases) could also be related to excessive sitting."

The above data shows that colon cancer is second only to breast cancer but since breast cancer is easily diagnosed and mostly at a very early stage, it is no more a killer cancer.

Colon cancer is the third most commonly diagnosed killer cancer in both men and women. Colon cancer is an "equal opportunity" disease that does not discriminate against gender, race or geographic location. Colon cancer is slowly gaining epidemic status. Colon cancer is a silent killer as there are no specific symptoms for colon cancer and only way out is prevention (i.e., early detection with regular colonoscopies). When a patient develops symptoms, the cancer in all probability is at an advanced/late stage and by the time the surgeon gets a chance to see the patient, s/he has a few months to live.

The most common no-nonsense approach to this would be standing desks.  Recently many corporations are introducing standing desks in their office to de-risk their staff from cancer but my guess is that this (standing desks) will reduce the ill effects of prolonged sitting only to increase another set of problems, viz., varicose veins, low back pain, muscle stiffness and general muscular fatigue.

As more studies starts coming up we might get a better hold on the effects of sitting and our well being till then one might try to take a stroll every 25-30 minutes during work, if you are commuting by public transport prefer to stand, watch television while walking on a treadmill, walk when you are talking on your mobile.

Sitting or standing per se is not dangerous but it is the duration of sitting/standing which can cause irreversible effects on your well being.

Equity Fund Classification by SEBI

Sr.No.	Category of Schemes		Scheme Characteristics		Type of scheme (uniform description of scheme)
1	Multi Cap Fund		Minimum investment in equity & equity related instruments- 65% of total assets		Multi Cap Fund- An open ended equity scheme investing across large cap, mid cap, small cap stocks
2	Large Cap Fund		Minimum investment in equity & equity related instruments of large cap companies- 80% of total assets		Large Cap Fund- An open ended equity scheme predominantly investing in large cap stocks
3	Large & Mid Cap Fund		Minimum investment in equity & equity related instruments of large cap companies- 35% of total assets Minimum investment in equity & equity related instruments of mid cap stocks- 35% of total assets		Large & Mid Cap Fund- An open ended equity scheme investing in both large cap and mid cap stocks
4	Mid Cap Fund		Minimum investment in equity & equity related instruments of mid cap companies- 65% of total assets		Mid Cap Fund- An open ended equity scheme predominantly investing in mid cap stocks
5	Small cap Fund		Minimum investment in equity & equity related instruments of small cap companies- 65% of total assets		Small Cap Fund- An open ended equity scheme predominantly investing in small cap stocks
6	Dividend Yield Fund		Scheme should predominantly invest in dividend yielding stocks. Minimum investment in equity- 65% of total assets		An open ended equity scheme predominantly investing in dividend yielding stocks
7	Value Fund*		Scheme should follow a value investment strategy. Minimum investment in equity & equity related instruments - 65% of total assets		An open ended equity scheme following a value investment strategy
Contra Fund*		Scheme should follow a contrarian investment strategy. Minimum investment in equity & equity related instruments - 65% of total assets		An open ended equity scheme following contrarian investment strategy
8	Focused Fund		A scheme focused on the number of stocks (maximum 30) Minimum investment in equity & equity related instruments - 65% of total assets		An open ended equity scheme investing in maximum 30 stocks (mention where the scheme intends to focus, viz.,
9	Sectoral/ Thematic		Minimum investment in equity & equity related instruments of a particular sector/ particular theme- 80% of total assets		An open ended equity scheme investing in __ sector (mention the sector)/ An open ended equity scheme following __ theme (mention the theme)
10	ELSS		Minimum investment in equity & equity related instruments - 80% of total assets (in accordance with Equity Linked Saving Scheme, 2005 notified by Ministry of Finance)		An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit

Debt fund classification

Debt Mutual Funds mainly invest in a mix of debt  securities such as Treasury Bills, Government Securities, Corporate Bonds, Money Market instruments and other debt securities of different time horizons.

The following are the 16 classification of debt fund as classified by SEBI (Security Exchange Board of India):

1.  Overnight Fund – Investment in overnight securities having maturity of 1 day.

2.  Liquid Fund – Investment in debt and money market securities with maturity of up to 91 days.

3.  Ultra Short Duration Fund – Investment in debt and money market securities that have duration of the portfolio between 3 to 6 months.

4.  Low Duration Fund – Investment in debt and money market securities that have duration of the portfolio between 6 to 12 months.

5.  Money Market Fund – Investment in money market instruments having maturity upto 1 year.

6.  Short Duration Fund – Investment in debt and money market securities that have duration of the portfolio between 1 to 3 years.

7.  Medium Duration Fund – Investment in debt and money market securities that have duration of the portfolio between 3 to 4 years.

8.  Medium to Long Duration Fund – Investment in debt and money market securities that have duration of the portfolio between 4 to 7 years.

9.  Long Duration Fund – Investment in debt and money market securities that have duration of the portfolio greater than 7 years.

10.  Dynamic Bond - Investment across duration.

11.  Corporate Bond Fund – Minimum 80% investment in corporate bonds with highest rated instruments.

12.  Credit Risk Fund – Minimum 65% investment in corporate bonds in below highest rated instruments.

13.  Banking and PSU Fund – Minimum 80% investment in bonds issued by Public sector banks, Public sector undertakings, Public Financial Institutions.

14.  Gilt Fund – Minimum 80% investment in G-Secs or Government securities across maturity.

15.  Gilt Fund with 10 year Constant Duration – Minimum 80% investment in GSecs such that the duration of portfolio is 10 year.

16.  Floater Fund – Minimum 65% investment in floating rate instruments.

Interest rates slashed!!!!

The government on Friday, March 18, 2016, reduced interest rates on small savings schemes across the board, viz., Public Provident Fund, Senior Citizen Savings Scheme, MIP, NSC, KVP.  The rates on small savings schemes have been reduced to align them to market rates.

The government has now decided on revising interest rates on small saving schemes every quarter, the new rates, therefore, will be applicable from April 1 to June 30.

Terming the decision slashing of interest rates as a “normal exercise of resetting” rates in March every year, Economic Affairs Secretary Shaktikanta Das said, according to a report.  “This will enable banks to consequently reduce their deposit rates and extend loan and credit to public and borrowers at lower rates.”

In its February 16 statement, the finance ministry had said: “The Sukanya Samriddhi Yojana, the Senior Citizen Savings Scheme and the Monthly Income Scheme are savings schemes based on laudable social development or social security goals. Hence, the interest rate and spread that these schemes enjoy over the G-sec rate of comparable maturity viz., of 75 bps, 100 bps and 25 bps respectively have been left untouched by the Government.”  On Friday, however, the rates on these 3 schemes were reduced by 60-70 basis points along with all other small saving schemes.

RBI has cut the repo rate by 125 basis points since January 2015, but the banks reduced their lending rate by only about 70 basis points.  Bank’s arguments were that if they lowered their rates further, they would lose deposits to small saving schemes.  This move by the government is seen to facilitate banks to further lower their deposit rates and subsequently the lending rates to help kick start economic activity.

The RBI is slated to review its monetary policy on April 4 and financial market expects another 25-50 BP rate cut from the RBI in the calendar year 2016.

Thou Shalt Remain BANNED!!!!!!

The Health Ministry Government of India recently banned as many as 344 fixed drug combination through a gazette notification in the weekend.  Fixed drug combinations are regularly launched in the market by the pharmaceutical companies in order to gain market share and dodge DPCO.

With this ban order among the listed companies, Abbott India (makers of Phensedyl syrup) and Pfizer India (makers of Corex) will take a big hit in both topline and bottomline.  Here is the complete list of the banned combinations:

* fixed dose combination of Amoxicillin + Cefixime + Potassium Clavulanic Acid

* fixed dose combination of Ofloxacin + Nitazoxanide

* fixed dose combination of Cefpodoxime Proxetil + Levofloxacin

* Combikit of Azithromycin, Secnidazole and Fluconazole

* fixed dose combination of Levofloxacin + Ornidazole + Alpha Tocopherol Acetate

* fixed dose combination of Nimorazole + Ofloxacin

* fixed dose combination of Azithromycin + Ofloxacin

* fixed dose combination of Amoxycillin + Tinidazole

* fixed dose combination of Doxycycline + Serratiopeptidase

* fixed dose combination of Cefixime + Levofloxacin

* fixed dose combination of Ofloxacin + Metronidazole + Zinc Acetate

* fixed dose combination of Diphenoxylate + Atropine + Furazolidone

* Combikit of Fluconazole Tablet, Azithromycin Tablet and Ornidazole Tablets

* fixed dose combination of Ciprofloxacin + Phenazopyridine

* fixed dose combination of Amoxycillin + Dicloxacillin + Serratiopeptidase

* Combikit of Fluconazole Tablet, Azithromycin Tablet and Ornidazole Tablets

* fixed dose combination of Ciprofloxacin + Phenazopyridine

* fixed dose combination of Amoxycillin + Dicloxacillin + Serratiopeptidase

* fixed dose combination of Azithromycin + Cefpodoxime

* fixed dose combination of Lignocaine + Clotrimazole + Ofloxacin + Beclomethasone

* fixed dose combination of Cefuroxime + Linezolid

* fixed dose combination of Ofloxacin + Ornidazole + Zinc Bisglycinate

* fixed dose combination of Metronidazole + Norfloxacin

* fixed dose combination of Amoxicillin + Bromhexine

* fixed dose combination of Ciprofloxacin + Fluticasone + Clotrimazole + Neomycin

* fixed dose combination of Metronidazole + Tetracycline

* fixed dose combination of Cephalexin + Neomycin + Prednisolone

* fixed dose combination of Azithromycin + Ambroxol

* fixed dose combination of Cilnidipine + Metoprolol Succinate + Metoprolol Tartrate

* fixed dose combination of L-Arginine + Sildenafil

* fixed dose combination of Atorvastatin + Vitamin D3 + Folic Acid + Vitamin B12 + Pyridoxine

* fixed dose combination of Metformin + Atorvastatin

* fixed dose combination of Clindamycin + Telmisartan

* fixed dose combination of Olmesartan + Hydrochlorothiazide + Chlorthalidone

* fixed dose combination of L-5-Methyltetrahydrofolate Calcium + Escitalopram i

* fixed dose combination of Pholcodine + Promethazine

* fixed dose combination of Paracetamol + Promethazine

* fixed dose combination of Betahistine + Ginkgo Biloba Extract + Vinpocetine + Piracetam

*fixed dose combination of Cetirizine + Diethyl Carbamazine

* fixed dose combination of Doxylamine + Pyridoxine + Mefenamic Acid + Paracetamol

* fixed dose combination of Drotaverine + Clidinium + Chlordiazepoxide

* fixed dose combination of Imipramine + Diazepam

* fixed dose combination of Flupentixol + Escitalopram

* fixed dose combination of Paracetamol + Prochloperazine

* fixed dose combination of Gabapentin + Mecobalamin + Pyridoxine + Thiamine

* fixed dose combination of Imipramine + Chlordiazepoxide + Trifluoperazine + Trihexyphenidyl

* fixed dose combination of Chlorpromazine + Trihexyphenidyl

* fixed dose combination of Ursodeoxycholic Acid + Silymarin

* fixed dose combination of Metformin 1000/1000/500/500mg + Pioglitazone 7.5/7.5/7.5/7.5mg + Glimepiride

1/2/1/2mg

* fixed dose combination of Gliclazide 80 mg + Metformin 325 mg

* fixed dose combination of Voglibose+ Metformin + Chromium Picolinate

* fixed dose combination of Pioglitazone 7.5/7.5mg + Metformin 500/1000mg

* fixed dose combination of Glimepiride 1mg/2mg/3mg + Pioglitazone 15mg/15mg/15mg + Metformin 1000mg/

1000mg/1000mg

* fixed dose combination of Glimepiride 1mg/2mg+ Pioglitazone 15mg/15mg + Metformin 850mg/850mg

* fixed dose combination of Metformin 850mg + Pioglitazone 7.5 mg + Glimepiride 2mg

* fixed dose combination of Metformin 850mg + Pioglitazone 7.5 mg + Glimepiride 1mg

* fixed dose combination of Metformin 500mg/500mg+Gliclazide SR 30mg/60mg + Pioglitazone 7.5mg/7.5mg

* fixed dose combination of Voglibose + Pioglitazone + Metformin

* fixed dose combination of Metformin + Bromocriptine

* fixed dose combination of Metformin + Glimepiride + Methylcobalamin

* fixed dose combination of Pioglitazone 30 mg + Metformin 500 mg

* fixed dose combination of Glimepiride + Pioglitazone + Metformin

* fixed dose combination of Glipizide 2.5mg + Metformin 400 mg

* fixed dose combination of Pioglitazone 15mg + Metformin 850 mg

* fixed dose combination of Metformin ER + Gliclazide MR + Voglibose

* fixed dose combination of Chromium Polynicotinate + Metformin

* fixed dose combination of Metformin + Gliclazide + Piogllitazone + Chromium Polynicotinate

* fixed dose combination of Metformin + Gliclazide + Chromium Polynicotinate

* fixed dose combination of Glibenclamide + Metformin (SR)+ Pioglitazone

* fixed dose combination of Metformin (Sustainded Release) 500mg + Pioglitazone 15 mg + Glimepiride 3mg

* fixed dose combination of Metformin (SR) 500mg + Pioglitazone 5mg

* fixed dose combination of Chloramphenicol + Beclomethasone + Clomitrimazole + Lignocaine

* fixed dose combination of Clotrimazole + Ofloxaxin + Lignocaine + Glycerine and Propylene Glycol

* fixed dose combination of Chloramphennicol + Lignocaine + Betamethasone + Clotrimazole + Ofloxacin + Antipyrine

* fixed dose combination of Ofloxacin + Clotrimazole + Betamethasone + Lignocaine

* fixed dose combination of Gentamicin Sulphate + Clotrimazole + Betamethasone + Lignocaine

* fixed dose combination of Clotrimazole + Beclomethasone + Ofloxacin + Lignocaine

*fixed dose combination of Becloemthasone + Clotrimazole + Chloramphenicol + Gentamycin + Lignocaine Ear drops

*fixed dose combination of Flunarizine + Paracetamole + Domperidone

*fixed dose combination of Rabeprazole + Zinc Carnosine

*fixed dose combination of Magaldrate + Famotidine + Simethicone

*fixed dose combination of Cyproheptadine + Thiamine

*fixed dose combination of Magaldrate + Ranitidine + Pancreatin + Domperidone

* fixed dose combination of Ranitidine + Magaldrate + Simethicone

*fixed dose combination of Magaldrate + Papain + Fungul Diastase + Simethicone

*fixed dose combination of Rabeprazole + Zinc + Domperidone

*fixed dose combination of Famotidine + Oxytacaine + Magaldrate

*fixed dose combination of Ranitidine + Domperidone + Simethicone

*fixed dose combination of Alginic Acid + Sodium Bicarbonate + Dried Aluminium Hydroxide + Magnesium Hydroxide

*fixed dose combination of Clidinium + Paracetamol + Dicyclomine + Activated Dimethicone

*fixed dose combination of Furazolidone + Metronidazole + Loperamide

*fixed dose combination of Rabeprazole + Diclofenac + Paracetamol

*fixed dose combination of Ranitidine + Magaldrate

* fixed dose combination of Norfloxacin + Metronidazole + Zinc Acetate

*fixed dose combination of Zinc Carnosine + Oxetacaine

*fixed dose combination of Oxetacaine + Magaldrate + Famotidine

* fixed dose combination of Pantoprazole (as Enteric Coated Tablet) + Zinc Carnosine (as Film Coated Tablets)

*fixed dose combination of Zinc Carnosine + Magnesium Hydroxide + Dried Aluminium Hydroxide + Simethicone

*fixed dose combination of Zinc Carnosine + Sucralfate

*fixed dose combination of Mebeverine & Inner HPMC capsule (Streptococcus Faecalis + Clostridium butyricum + Bacillus mesentricus + Lactic Acid Bacillus)

*fixed dose combination of Clindamycin + Clotrimazole + Lactic Acid Bacillus

*fixed dose combination of Sildenafil + Estradiol Valerate

*fixed dose combination of Clomifene Citrate + Ubidecarenone + Zinc + Folic Acid + Methylcobalamin + Pyridoxine + Lycopene + Selenium + Levocarnitine Tartrate + L-Arginine

*fixed dose combination of Thyroxine + Pyridoxine + Folic Acid

*fixed dose combination of Gentamycin + Dexamethasone + Chloramphenicol + Tobramycin + Ofloxacin

*fixed dose combination of Dextromethorphan + Levocetirizine + Phenylephrine + Zinc

*fixed dose combination of Nimesulide + Loratadine + Phenylephrine + Ambroxol

*fixed dose combination of Bromhexine + Phenylephrine + Chlorepheniramine Maleate

*fixed dose combination of Dextromethorphan + Bromhexine + Guaiphenesin

*fixed dose combination of Paracetamol + Loratadine + Phenylephrine + Dextromethorphan + Caffeine

*fixed dose combination of Nimesulide + Phenylephrine + Caffeine + Levocetirizine

*fixed dose combination of Azithromycin + Acebrophylline

*fixed dose combination of Diphenhydramine + Terpine + Ammonium Chloride + Sodium Chloride + Menthol

*fixed dose combination of Nimesulide + Paracetamol + Cetirizine + Phenylephrine

*fixed dose combination of Paracetamol + Loratadine + Dextromethophan + Pseudoepheridine + Caffeine

*fixed dose combination of Chlorpheniramine Maleate + Dextromethorphan + Dextromethophan + Guaiphenesin +

Ammonium Chloride + Menthol

*fixed dose combination of Chlorpheniramine Maleate + Ammonium Chloride + Sodium Citrate

*fixed dose combination of Cetirizine + Phenylephrine + Paracetamol + Zinc Gluconate

*fixed dose combination of Ambroxol + Guaiphenesin + Ammonium Chloride + Phenylephrine + Chlorpheniramine Maleate + Menthol

*fixed dose combination of Dextromethorphen + Bromhexine + Chlorpheniramine Maleate + Guaiphenesin

*fixed dose combination of Levocetirizine + Ambroxol + Phenylephrine + Guaiphenesin

*fixed dose combination of Dextromethorphan + Chlorpheniramine + Chlorpheniramine Maleate

*fixed dose combination of Cetirizine + Ambroxol + Guaiphenesin + Ammonium Chloride + Phenylephrine + Menthol

*fixed dose combination of Chlorpheniramine + Phenylephrine + Caffeine

* fixed dose combination of Dextromethorphan + Triprolidine + Phenylephrine

*fixed dose combination of Terpinhydrate + Dextromethorphan + Menthol

* fixed dose combination of Dextromethorphan + Phenylephrine + Zinc Gluconate + Menthol

* fixed dose combination of Chlorpheniramine + Codeine + Sodium Citrate + Menthol Syrup

* fixed dose combination of Enrofloxacin + Bromhexin

* fixed dose combination of Bromhexine + Dextromethorphan + Phenylephrine + Menthol

* fixed dose combination of Levofloxacin + Bromhexine

* fixed dose combination of Levocetirizine + Ranitidine

* fixed dose combination of Levocetirizine + Phenylephrine + Ambroxol + Guaiphenesin + Paracetamol

* fixed dose combination of Cetirizine + Dextromethorphan + Phenylephrine + Zinc Gluconate + Paracetamol + Menthol

* fixed dose combination of Paracetamol + Pseudoephedrine + Dextromethorphan + Cetirizine

* fixed dose combination of Diphenhydramine + Guaiphenesin + Ammonium Chloride + Bromhexine

* fixed dose combination of Chlorpheniramine + Dextromethorphan + Phenylephrine + Paracetamol

* fixed dose combination of Dextromethorphen + Promethazine

* fixed dose combination of Diethylcabamazine Citrate + Cetirizine + Guaiphenesin

* fixed dose combination of Pseudoephedrine + Dextromethorphan + Cetirizine

* fixed dose combination of Chlorpheniramine + Phenylephrine + Dextromethophan + Menthol

* fixed dose combination of Ambroxol + Terbutaline + Dextromethorphan

* fixed dose combination of Dextromethorphan + Chlorpheniramine + Guaiphenesin

* fixed dose combination of Terbutaline + Bromhexine + Guaiphenesin + Dextromethorphan

* fixed dose combination of Dextromethorphan + Tripolidine + Phenylephirine

* fixed dose combination of Paracetamol + Dextromethorphan + Chlorpheniramine

* fixed dose combination of Pholcodine + Phenylephrine + Promethazine

* fixed dose combination of Codeine + Levocetirizine + Menthol

* fixed dose combination of Dextromethorphan + Ambroxol + Guaifenesin + Phenylephrine + Chlorpheniramine

* fixed dose combination of Cetirizine + Phenylephrine + Dextromethorphan + Menthol

* fixed dose combination of Roxithromycin + Serratiopeptidase

* fixed dose combination of Paracetamol + Phenylephrine + Triprolidine

* fixed dose combination of Acetaminophen + Loratadine + Ambroxol + Phenylephrine

* fixed dose combination of Cetirizine + Acetaminophen + Dextromethorphan + Phenyephrine + Zinc Gluconate

* fixed dose combination of Diphenhydramine + Guaifenesin + Bromhexine + Ammonium Chloride + Menthol

* fixed dose combination of Chlopheniramine Maleate + Codeine Syrup

* fixed dose combination of Cetirizine + Dextromethorphan + Zinc Gluconate + Menthol

* fixed dose combination of Paracetamol + Phenylephrine + Desloratadine + Zinc Gluconate + Ambroxol

* fixed dose combination of Levocetirizine + Montelukast + Acebrophylline

* fixed dose combination of Dextromethorphan + Phenylephrine + Ammonium Chloride + Menthol

* fixed dose combination of Dextromethorphan + Bromhexine + Guaiphenesin + Menthol

* fixed dose combination of Acrivastine + Paracetamol + Caffeine + Phenylephrine

* fixed dose combination of Naphazoline + Carboxy Methyl Cellulose + Menthol + Camphor + Phenylephrine

* fixed dose combination of Dextromethorphan + Cetirizine

* fixed dose combination of Nimesulide + Paracetamol + Levocetirizine + Phenylephrine + Caffeine

* fixed dose combination of Terbutaline + Ambroxol + Guaiphenesin + Zinc + Menthol

* fixed dose combination of Codeine + Chlorpheniramine + Alcohol Syrup

* fixed dose combination of Dextromethorphan + Phenylephrine + Guaifenesin + Triprolidine

* fixed dose combination of Ammomium Chloride + Bromhexine + Dextromethorphan

* fixed dose combination of Diethylcarbamazine + Cetirizine + Ambroxol

* fixed dose combination of Ethylmorphine + Noscapine + Chlorpheniramine

* fixed dose combination of Cetirizine + Dextromethorphan + Ambroxol

* fixed dose combination of Bromhexine + Dextromethorphan + Ammonium Chloride + Menthol

* fixed dose combination of Ambroxol + Guaifenesin + Phenylephrine + Chlorpheniramine

* fixed dose combination of Paracetamol + Phenylephrine + Chlorpheniramine + Zinc Gluconate

* fixed dose combination of Dextromethorphan + Phenylephrine + Cetirizine + Paracetamol + Caffeine

* fixed dose combination of Dextromethophan + Chlorpheniramine + Guaifenesin + Ammonium Chloride

* fixed dose combination of Levocetirizine + Dextromethorphan + Zinc

* fixed dose combination of Paracetamol + Phenylephrine + Levocetirizine + Caffeine

* fixed dose combination of Chlorphaniramine + Ammonium Chloride + Sodium Chloride

* fixed dose combination of Paracetamol + Dextromethorphan + Bromhexine + Phenylephrine + Diphenhydramine

* fixed dose combination of Salbutamol + Bromhexine + Guaiphenesin + Menthol

* fixed dose combination of Chlorpheniramine + Ammonium Chloride + Noscapine + Sodium Citrate

* fixed dose combination of Cetirizine + Dextromethorphan + Bromhexine + Guaifenesin

* fixed dose combination of Diethyl Carbamazine + Chlorpheniramine + Guaifenesin

* fixed dose combination of Ketotifen + Cetirizine

* fixed dose combination of Terbutaline + Bromhexine + Etofylline

* fixed dose combination of Ketotifen + Theophylline

* fixed dose combination of Ambroxol + Salbutamol + Theophylline

* fixed dose combination of Cetririzine + Nimesulide + Phenylephrine

* fixed dose combination of Chlorpheniramine + Phenylephrine + Paracetamol + Zink Gluconate

* fixed dose combination of Acetaminophen + Guaifenesin + Dextromethorphan + Chlorpheniramine

* fixed dose combination of Cetirizine + Dextromethorphan + Phenylephrine + Tulsi

* fixed dose combination of Cetirizine + Phenylephrine + Paracetamol + Ambroxol + Caffeine

* fixed dose combination of Guaifenesin + Dextromethorphan

* fixed dose combination of Levocetirizine + Paracetamol + Phenylephirine + Caffeine

* fixed dose combination of Caffeine + Paracetamol + Phenylephrine + Chlorpheniramine

* fixed dose combination of Ketotifen + Levocetrizine

* fixed dose combination of Paracetamol + Levocetirizine + Phenylephirine + Zink Gluconate

* fixed dose combination of Paracetamol + Phenylephrine + Triprolidine + Caffeine

* fixed dose combination of Caffeine + Paracetamol + Phenylephrine + Cetirizine

* fixed dose combination of Caffeine + Paracetamol + Chlorpheniramine

* fixed dose combination of Ammonium Chloride + Dextromethorphan + Cetirizine + Menthol

* fixed dose combination of Dextromethorphan + Paracetamol + Cetirizine + Phenylephrine

* fixed dose combination of Chlorpheniramine + Terpin + Antimony Potassium Tartrate + Ammonium Chloride + Sodium Citrate + Menthol

* fixed dose combination of Terbutaline + Etofylline + Ambroxol

* fixed dose combination of Paracetamol + Codeine + Chlorpheniramine

* fixed dose combination of Paracetamol+Pseudoephedrine+Certirizine+Caffeine

* fixed dose combination of Chlorpheniramine+Ammonium Chloride + Menthol

* fixed dose combination of N-Acetyl Cysteine + Ambroxol + Phenylephrine + Levocertirizine

* fixed dose combination of Dextromethorphan + Phenylephrine + Tripolidine + Menthol

* fixed dose combination of Salbutamol + Certirizine + Ambroxol

* fixed dose combination of Dextromethorphan + Phenylephrine + Bromhexine + Guaifenesin + Chlorpheniramine

* fixed dose combination of Nimesulide + Certirizine + Phenylephrine

* fixed dose combination of Naphazoline + Chlorpheniramine + Zinc Sulphate + Boric Acid + Sodium Chloride + Chlorobutol

* fixed dose combination of Paracetamol + Bromhexine + Phenylephrine + Chlorpheniramine + Guaifenesin

* fixed dose combination of Salbutamol + Bromhexine

* fixed dose combination of Dextromethorphan + Phenylephrine + Guaifenesin + Certirizine + Acetaminophen

* fixed dose combination of Guaifenesin + Bromhexine + Chlorpheniramine + Paracetamol

* fixed dose combination of Chlorpheniramine + Ammonium Chloride + Chloroform + Menthol

* fixed dose combination of Salbutamol + Choline Theophylinate + Ambroxol

* fixed dose combination of Chlorpheniramine + Codeine Phosphate + Menthol Syrup

* fixed dose combination of Pseudoephedrine + Bromhexine

* fixed dose combination of Certirizine + Phenylephrine + Paracetamol + Caffeine + Nimesulide

* fixed dose combination of Dextromethorphan + Cetirizine + Guaifenesin + Ammonium Chloride

* fixed dose combination of Ambroxol + Salbutamol + Choline Theophyllinate + Menthol

* fixed dose combination of Paracetamol + Chlorpheniramine + Ambroxol + Guaifenesin + Phenylephrine

* fixed dose combination of Chlorpheniramine + Vasaka + Tolubalsm + Ammonium Chloride + Sodium Citrate + Menthol

* fixed dose combination of Bromhexine + Cetrizine + Phenylephrine IP+Guaifenesin + Menthol

* fixed dose combination of Dextromethorphan + Ambroxol + Ammonium Chloride + Chlorpheniramine + Menthol

* fixed dose combination of Dextromethorphan + Phenylephrine + Cetirizine + Zinc + Menthol

* fixed dose combination of Terbutaline + N-Acetyl L-Cysteine + Guaifenesin

* fixed dose combination of Calcium Gluconate + Levocetirizine

* fixed dose combination of Paracetamol + Levocetirizine + Pseudoephedrine

* fixed dose combination of Salbutamol + Choline Theophylinate + Carbocisteine

* fixed dose combination of Chlorpheniramine + Vitamin C

* fixed dose combination of Calcium Gluconate + Chlorpheniramine + Vitamin C

* fixed dose combination of Chlorpheniramine + Paracetamol + Pseudoephedrine + Caffeine

* fixed dose combination of Guaifenesin + Bromhexine + Chlorpheniramine + Phenylephrine + Paracetamol + Serratiopeptidase (as enteric coated granules) 10000 SP Units

* fixed dose combination of Paracetamol + Pheniramine

* fixed dose combination of Betamethasone + Fusidic Acid + Gentamycin + Tolnaftate + lodochlorhydroxyquinoline

(ICHQ)

* fixed dose combination of Clobetasol + Ofloxacin + Miconazole + Zinc Sulphate

* fixed dose combination of Clobetasole + Gentamicin + Miconazole + Zinc Sulphate

* fixed dose combination of Levocetirizine + Ambroxol + Phenylephrine + Paracetamol

* fixed dose combination of Permethrin + Cetrimide + Menthol

* fixed dose combination of Beclomethasone + Clotimazole + Neomycin + lodochlorohydroxyquinone

* fixed dose combination of Neomycin + Doxycycline

* fixed dose combination of Ciprofloxacin + Fluocinolone + Clotrimazole + Neomycin + Chlorocresol

* fixed dose combination of Clobetasol + Ofloxacin + Ketoconazol + Zinc Sulphate

* fixed dose combination of Betamethasone + Gentamicin + Tolnaftate + lodochlorhydroxyquinoline

* fixed dose combination of Clobetasol + Gentamicin + Tolnaftate + lodochlorhydroxyquinone + Ketoconazole

* fixed dose combination of Allantoin + Dimethieone + Urea + Propylene + Glycerin + Liquid Paraffin

* fixed dose combination of Acriflavine + Thymol + Cetrimide

* fixed dose combination of Betamethasone + Neomycin + Tolnaftate + lodochlorohydroxyquinoline + Cholorocresol

* fixed dose combination of Clobetasol + Neomycin + Miconazole + Clotrimazole

* fixed dose combination of Ketoconazole + Tea Tree oil + Allantion + Zinc Oxide + Aloe Vera + Jojoba oil + Lavander oil + Soa noodels

* fixed dose combination of Clobetasol Propionate + Ofloxacin + Ornidazole + Terbinafine

* fixed dose combination of Clobetasol + Neomycin + Miconazole + Zinc Sulphate

* fixed dose combination of Beclomethasone Diproprionate + Neomycin + Tolnaftate + lodochlorhydroxyquinoline + Chlorocresol

* fixed dose combination of Betamethasone + Gentamycin + Zinc Sulphate + Clotrimoazole + Chlorocresol

* fixed dose combination of Borax + Boric Acid + Naphazoline + Menthol + Camphor + Methyl Hydroxy Benzoate

* fixed dose combination of Bromhexine + Dextromethorphan

* fixed dose combination of Dextromethophan + Chlopheniramine + Bromhexine

* fixed dose combination of Menthol + Anesthetic Ether

* fixed dose combination of Dextrometharphan + Chlopheniramine + Ammonium + Sodium Citrate + Menthol

* fixed dose combination of Ergotamine Tartrate + Belladona Dry Extract+Caffeine + Paracetamol

* fixed dose combination of Phenytoin + Phenobarbitone

* fixed dose combination of Gliclazide 40mg + Metformin 400mg

* fixed dose combination of Paracetamol + Ambroxol + Phenylephrine + Chlorpheniramine

* fixed dose combination of Oflaxacin + Ornidazole Suspension

* fixed dose combination of Albuterol + Etofylline + Bromhexine + Menthol

* fixed dose combination of Albuterol + Bromhexine + Theophylline

* fixed dose combination of Salbutamol+Hydroxyethyltheophylline (Etofylline) + Bromhexine

* fixed dose combination of Paracetamol+Phenylephrine+Levocetirizine+Sodium Citrate

* fixed dose combination of Paracetamol + Propyphenazone + Caffeine

* fixed dose combination of Guaifenesin + Diphenhydramine + Bromhexine + Phenylephrine

* fixed dose combination of Dried Alumnium Hydroxie Gel + Prophantheline + Diazepam

* fixed dose combination of Bromhenxine + Phenylephrine + Chlorpheniramine + Paracetamol

* fixed dose combination of Beclomethasone + Clotrimazole + Gentamicin + lodochlorhydroxyquinoline

* fixed dose combination of Telmisartan + Metformin

* fixed dose combination of Ammonium Citrate + Vitamin B 12 + Folic Acid + Zinc Sulphate

* fixed dose combination of Levothyroxine + Phyridoxine + Nicotinamide

* fixed dose combination of Benfotiamine + Metformin

* fixed dose combination of Thyroid + Thiamine + Riboflavin + Phyridoxine + Calcium Pantothenate + Tocopheryl Acetate + Nicotinamide

* fixed dose combination of Ascorbic Acid + Manadione Sodium Bisulphate + Rutin + Dibasic Calcium Phosphate +

Adrenochrome mono Semicarbazone

* fixed dose combination of Phenylephrine + Chlorpheniramine + Paracetamol + Bromhexine + Caffeine

* fixed dose combination of Clotrimazole + Beclomethasone + Lignocaine + Ofloxacin + Acetic Aicd + Sodium Methyl Paraben + Propyl Paraben

 fixed dose combination of Aceclofenac + Paracetamol + Rabeprazole

* fixed dose combination of Nimesulide + Diclofenac

* fixed dose combination of Nimesulide + Cetirizine + Caffeine

* fixed dose combination of Nimesulide + Tizanidine

* fixed dose combination of Paracetamol + Cetirizine + Caffeine

* fixed dose combination of Diclofenac + Tramadol + Chlorzoxazone

* fixed dose combination of Dicyclomine + Paracetamol + Domperidone

* fixed dose combination of Nimesulide + Paracetamol dispersible tablets

* fixed dose combination of Paracetamol + Phenylephrine + Caffeine

* fixed dose combination of Diclofenac + Tramadol + Paracetamol

* fixed dose combination of Diclofenac + Paracetamol + Chlorzoxazone + Famotidine

* fixed dose combination of Naproxen + Paracetamol

* fixed dose combination of Nimesulide + Serratiopeptidase

* fixed dose combination of Paracetamol + Diclofenac + Famotidine

* fixed dose combination of Nimesulide + Pitofenone + Fenpiverinium + Benzyl Alcohol

* fixed dose combination of Omeprazole + Paracetamol + Diclofenac

* fixed dose combination of Nimesulide + Paracetamol injection

* fixed dose combination of Tamsulosin + Diclofenac

* fixed dose combination of Paracetamol + Phenylephrine + Chlorpheniramine + Dextromethorphan + Caffeine

* fixed dose combination of Diclofenac + Zinc Carnosine

* fixed dose combination of Diclofenac + Paracetamol + Chlorpheniramine Maleate + Magnesium Trisillicate

* fixed dose combination of Paracetamol + Pseudoephedrine + Cetrizine

* fixed dose combination of Phenylbutazone + Sodium Salicylate

* fixed dose combination of Lornoxicam + Paracetamol + Trypsin

* fixed dose combination of Paracetamol + Mefenamic Acid + Ranitidine + Dicyclomine

* fixed dose combination of Nimesulide + Dicyclomine

* fixed dose combination of Heparin + Diclofenac

* fixed dose combination of Glucosamine + Methyl Sulfonyl Methane + Vitamin D3 + Manganese + Boron + Copper + Zinc

* fixed dose combination of Paracetamol + Tapentadol

* fixed dose combination of Tranexamic Acid + Proanthocyanidin

* fixed dose combination of Benzoxonium Chloride + Lidocaine

* fixed dose combination of Lornoxicam + Paracetamol + Tramadol

* fixed dose combination of Lornoxicam + Paracetamol + Serratiopeptidase

* fixed dose combination of Diclofenac + Paracetamol + Magnesium Trisilicate

* fixed dose combination of Paracetamol + Domperidone + Caffeine

* fixed dose combination of Ammonium Chloride + Sodium Citrate + Chlorpheniramine Maleate + Menthol

* fixed dose combination of Paracetamol + Prochlorperazine Maleate

* Combikit of 3 tablets of Serratiopeptidase (enteric coated 20000 units) + Diclofenac Potassium & 2 tablets of

Doxycycline

* fixed dose combination of Nimesulide + Paracetamol Suspension

* fixed dose combination of Aceclofenac + Paracetamol + Famotidine

* fixed dose combination of Aceclofenac + Zinc Carnosine

* fixed dose combination of Paracetamol + Disodium Hydrogen Citrate + Caffeine

* fixed dose combination of Paracetamol + DL Methionine

* fixed dose combination of Disodium Hydrogen Citrate + Paracetamol

* fixed dose combination of Paracetamol + Caffeine + Codeine

* fixed dose combination of Aceclofenac (SR) + Paracetamol

* fixed dose combination of Diclofenac + Paracetamol injection

* fixed dose combination of Azithromycin + Cefixime

* fixed dose combination of Amoxicillin + Dicloxacillin

* fixed dose combination of Amoxicillin 250 mg + Potassium Clavulanate Diluted 62.5 mg

* fixed dose combination of Azithromycin + Levofloxacin

* fixed dose combination of Cefixime + Linezolid