A speaker during an interaction programme organised by PHD Chamber of Commerce at Jammu on Friday. —Excelsior/Rakesh

A speaker during an interaction programme organised by PHD Chamber of Commerce at Jammu on Friday. —Excelsior/Rakesh
A speaker during an interaction programme organised by PHD Chamber of Commerce at Jammu on Friday. —Excelsior/Rakesh

A speaker during an interaction programme organised by PHD Chamber of Commerce at Jammu on Friday.
—Excelsior/Rakesh