(Editors Note: I happen to meet Sanjay Bansal at a Rotract Club Meeting. Dressed impeccably in his Black Suit, Black & Gold Tie, Starched Crisp White Shirt, Gold Cufflings, Smooth black trousers, Gleaming black shoes, sporting a Gold Rolex in one hand while having a glass of refreshments in another, he smiled in a rather humble yet coy manner. He didn’t speak much other than exchange a few pleasantries. What made him stand out was that he was a great listener and an exceptional conversationalist – with every word he spoke, you would feel like speaking even more. That meeting lead me to ask for his business card and eventually take this Interview. What follows next is nothing short of a surprising story of Hope, Hard work, Humility and Huge Successes. I hope you enjoy it as much as I enjoyed taking his interview)
PERSONAL AND EARLY FAMILY LIFE
LOY MACHEDO: What is your full name?
SANJAY BANSAL: Sanjay Bansal
LOY MACHEDO: Date of Birth
SANJAY BANSAL: 7th November 1971
LOY MACHEDO: Where were you born and raised?
SANJAY BANSAL: I was born in Rajesthan but brought up in Delhi
LOY MACHEDO: Father’s Name
SANJAY BANSAL: Late Shri Bhanwarlal Bansal
LOY MACHEDO: Mother’s Name
SANJAY BANSAL: Munni Devi
LOY MACHEDO: Brothers & Sisters
SANJAY BANSAL: Four Brothers & Two Sisters
LOY MACHEDO: Their Names?
SANJAY BANSAL: 1st Narendra Bansal, 2nd – Sister Manju Gupta, 3rd – Jai Prakash Bansal, 4th – Mamta Agarwal, 5th – Myself and finally 6th Sunil Bansal
LOY MACHEDO: Schooling?
SANJAY BANSAL: I completed my schooling in Delhi
LOY MACHEDO: College & Specialization
SANJAY BANSAL: I was a Bio Student who joined the Delhi University. But I dropped out of College.
LOY MACHEDO: Were you inspired by Steve Jobs or Bill Gates to drop out of college?
SANJAY BANSAL: (laughing). No. No. I don’t want people to mistake dropping out of college as a formula for success. I really wanted to study and I had taken up admission in Delhi University to complete my college. However, after I joined the college, there was the Student Agitation Movement in India called the Mandal Commission. It was a dark and dangerous moment where students were fighting for their rights and this results in violence and street wide protests. Many students were injured and some seriously hurt as Police and students would clash head along. So worried for my safety, my parents decided I should not go to college rather gain experience by working for the time being.
EARLY BUSINESS & FIRST CAREER
LOY MACHEDO: So what did you start your career with?
SANJAY BANSAL: I was just a kid and didn’t know anyone or anything. In fact, I had no experience and didn’t know how to even get a job. Added to that we also had a major problem that accidentally crept its way into our family.
LOY MACHEDO: What problem?
SANJAY BANSAL: My eldest brother was working in Singapore. He was a Enterprising Spirit who used to work incredibly hard as a Commission Agent and support our entire family. Those days people in India would connect with Commission Agents to bring in good produced Internationally to sell in the Local Market. And being a Commission Agent was exactly as the name suggested – You generate business and then you get paid money. If you undertook any transaction, you were responsible for the products until the end client paid up all the money. If however the end client defaulted – it was the Commission Agent who would bear the brunt of the entire transaction. So no easy salary earned rather it was more like being a businessman.
So it was on these grounds that my brother clinched in India. The end client was a close known friend of ours who confirmed USD 300,000 dollars deal in the form of worth Answering Machines. We knew this friend for many years and we trusted him. For some reason he wasn’t able to produce the money on the due date and requested to be given a concession where he would pay us once the products were ordered and delivered. We believed him and took his word for it with our family (i.e. my brother) accepting personal responsibility for the deal.
However, once the goods reached India, the Buyer backed out stating that the product didn’t match his expectations. So now we ended up getting stuck with USD 300,000 worth of Answering Machines. And being a Middle Class family, we seriously didn’t have any means to pay up. So both my brothers ended up getting stuck in Singapore as legally they were not allowed to leave until they had cleared up all their dues.
So now, our only Bread Earner in our House was unable to earn anything or do anything. And we were stuck with a large stock of unsold items.
LOY MACHEDO: So now what happened next?
SANJAY BANSAL: Well, we had to survive. And there was no one else who could shoulder the responsibility apart from me. So I had no choice. But here was the problem – I was a immature, inexperienced 18 year old introvert and had no idea what to do, let alone sell anything. So it was either sink or swim and I had to swim because my family depended on me.
LOY MACHEDO: So what did you do next?
SANJAY BANSAL: I had a family Scooter. I tied as many units I could on my back – I think around 10 units and went shop-to-shop door-to-door in the sweltering sun knocking, asking, getting my face slammed with rejection every minute.
LOY MACHEDO: So when was your lucky break?
SANJAY BANSAL: There was no lucky break as such. In fact, I didn’t even know how much to ask of the customer. So I just priced the product at USD 70. Finally, after a few days and countless rejections, one shopkeeper asked me to sell it to him for USD 60. I agreed if he would purchase 2 of them. He said yes and that was my first ever sale.
LOY MACHEDO: How did it feel achieving that milestone?
SANJAY BANSAL: Absolutely incredible. I felt as if I was in 7th heaven. It gave me the motivation and the drive to want to keep selling and to keep selling more. As I accepted the cash for my product – it brought about the new sense of confidence and I was bitten by the Entrepreneurial bug.
LOY MACHEDO: So it was just Shop-To-Shop selling from them on?
SANJAY BANSAL: I soon realized that I could appoint dealers to sell on behalf of me so that not only I but they could also make money. That way we could get rid of more pieces to sell. My target was to sell a total of 20 units every single day.
LOY MACHEDO: Did you experience any problems or challenges while selling your 1st product?
SANJAY BANSAL: Oh yes, I had to go through quite a number of challenges. The first one being the technical issues related to the product – which did become a recurring problem. But me & my younger brother ensured that we addressed the issue and not run away from the problem. My younger brother was an expert in technical problems. He had a flair for it. So I would meet the customer face-to-face, acknowledge he was right and my brother would ensure he got a solution. I suppose the ‘Solution-Based-Approach’ strategy gained ground from then on.
The second problem that I faced was that we were a 2 man army. We had to do everything from sales, marketing, delivery, after-sales-service, address technical issues, collect payments – I mean the whole nine-yards. And we just had one scooter to do all these things. There were many days when we would get stuck in the rain – that too with the products tied to our backs. And given the pot-hole roads and the bumper to bumper traffic, we had no option but to get drenched under the pouring rain and then return back home as we couldn’t sell those machines until we had dried them up and serviced them.
I think the worst part was when the Scooter would break down. Then it was hauling the good on our back and pushing the scooter all the way back home or to a near by repair shop.
Those were really terrible and difficult days.
LOY MACHEDO: What was next?
SANJAY BANSAL: In 1992, at the age of 21, I rented a Small Office in the Computer District of New Delhi. The Office was relatively very small where only 3 people could sit inside with a table and chair. I placed my target of USD 83 per day and used to earn around the range of USD 60 to USD 80 everyday. When I would achieve my daily target, I would get the sense of satisfaction. But there were days when I would fall short. It would depress me but it would also motivate me to work very hard the next day. I held myself accountable for not being able to achieve my target and I would ensure the next day I compensated for it.
LOY MACHEDO: By the way, what happened to your brothers?
SANJAY BANSAL: Oh yes, the payment for the pending amount was completed and my brothers were back. We started seriously looking into the business that was unfolding before our very eyes. And we were looking into expanding this activity.
So then in the year 1994, we took a small showroom so as to expand on our business activity.
LOY MACHEDO: Wow, that was fast. From Shop to Showroom.
SANJAY BANSAL: Oh let me clear that up. It was not a Showroom like how you see Showrooms here in Dubai – Fully bright with Beautiful lights, Cool Air-Conditioning System, Central Location, Comfortable Seats and Amazing Product Displays. Our Showroom was a Basement where it was really hot and humid with no air-circulation. Customers would come there but leave as soon as possible. However, I had no option but to sit there and sweat my life out. It was very tough those days.
LOY MACHEDO: So your entire family got involved in your Business by then?
SANJAY BANSAL: My brothers did chip in or else we wouldn’t have made it through. However, my dad’s health by then deteriorated and he didn’t make it through because of health related issues with cholesterol and diabetics.
LOY MACHEDO: What about your salary? How much were you earning since you were the Boss?
SANJAY BANSAL: (laughing) Zero Dollars.
LOY MACHEDO: What do you mean?
SANJAY BANSAL: Loy I got into business to support my family. Not make money for myself. My first priority was to do whatever it took to take care of my family. Whatever I was doing and earning, I gave it to my family. Even today, whatever I am earning is not for me. It’s for my family. I am nothing without my family. They are my life.
LOY MACHEDO: So tell me what was this Business known as and what were doing at this time?
SANJAY BANSAL: The Business that I was running from the Showroom was called Frontline Computers located at Nehru Place. We were dealing with computer based items and peripherals. For instance those days you had the 40MB Hard Disk. These computer items today may not exist and computer peripherals today are being sold like popcorn over the counter. But for us those days, each Hard Disk and each peripheral had its value in gold. We would hold it close to our chest as if it were a Million Dollars just to make sure when it was delivered to the customer it was in perfect condition. You have to understand the computer accessories those days were not only expensive but also very fragile.
INTEX TECHNOLOGIES – THE EARLY DAYS
LOY MACHEDO: So when and why did INTEX come into existance?
SANJAY BANSAL: From that humble showroom, our customer base and their trust in us increased rapidly to the point where, in 1996, my brothers asked this powerful question, “If HCL, Sony or HP can become a Powerful and Global Brand, why not us?”. That got us thinking and within weeks we established the New Identity INTEX Technologies.
LOY MACHEDO: What was your 1st Product as INTEX Technologies?
SANJAY BANSAL: Those days there was a company named Compaq which was selling a Networking Card in India for USD 32 By that time we had a good network of vendors around the world. It was then in Taiwan that we found the exact same replica of this Networking Card – which was not just better but also selling for a much cheaper price – USD 20.82. We strongly believed, anything that could help our end customers save money and receive better quality – we would provide it. Hence we ordered 200 pieces via shipment.
LOY MACHEDO: Was it easy to crack into an already established market – given that Compaq those days was a Super Brand?
SANJAY BANSAL: No. Absolutely not. It was very hard. It was very difficult. Brand Loyalty is something that cannot be broken unless there is really good reason for it. What worked well for us was the fact that Customers had worked with us for sometime and we had built up a strong credibility in the market. And along with that to reinforce the confidence, we offered a 100% On-Site Warranty Replacement – No Questions asked. No one in India had ever offered something like that. We took the risk and it paid dividends.
LOY MACHEDO: What was the 1st INTEX product to hit the Market?
SANJAY BANSAL: The 1st product totally conceptualized, designed and engineered by us was the INTEX Home Theatre System launched in 1997. We provided the complete design & structure to our Manufacturing Partners in Taiwan and they sent us the finished product. The success enabled us to open up bigger showrooms, more branches and better after-sales service centers around India.
LOY MACHEDO: How and when did INTEX reach the shores of Dubai?
SANJAY BANSAL: Even back in those days, there was always a buzz about Dubai. Lot of myths, tales and urban legends surrounded this mysterious land. So in the year 2002 I decided to see this Magic Oasis for myself. I came to Dubai with USD 35,000 to see if any opportunities existed in Dubai. I knew absolutely nothing of UAE.
So when I came down here on a 14 day transit visa, I walked around Computer Street in Bur Dubai asking various businesses & retail outlets how was the market and how was business. Almost all of them painted a grim picture stating ‘Business was Bad’. But I found this pretty ironical since all of them were having customers coming in and out of their outlets, cash registers were ringing and new businesses were opening. So why this sad story?
My curiosity lead me to study the market even more. And then when it was time to leave Dubai, I decided that I would take a risk anyhow and see what could be accomplished in this market.
The Worst case scenario was this – If in case my risk taking strategy was wrong, I would have known I at least tried my best. I was mentally prepared to fail but not without giving it a fight.
So on April 2002, within the 14 days transit visa time, I took a house, I registered the company, took out a license and applied for my residence visa in the country as a Businessman. Then on 2nd of May I applied for the visa of my wife and child. And on May 19th 2002, my family joined me here.
LOY MACHEDO: What was INTEX Technologies selling in the UAE those days?
SANJAY BANSAL: Let me back track a bit. In the year 2001, my brothers shifted to China and opened an office over there to do business. They were doing reasonably well. So when I opened up the branch in Dubai, UAE, I requested my brothers to give me USD 10,000 Worth of Products from China. These were accessories like Networking Cards, Speaker Systems, Cooling Fans and other parts.
LOY MACHEDO: How was the UAE Market different from that of India?
SANJAY BANSAL: In India people would ask for 15 to 20 days credit after building a relationship of trust. That was how it operated in India. But here the norm was 30 days to even 120 days credit – that too without any prior experience or relationship. I found that very hard to fathom. So I turned down the offers since I didn’t know if these clients were reliable. And that caused quite a problem for me because the customers willing to pay cash were virtually in single digits. And that posed a big problem.
LOY MACHEDO: So what was your solution to break into the market?
SANJAY BANSAL: I realized I had to do something fast in order to survive. And thinking like everyone else would not help. So I decided to something different. I went and purchased the most popular fast selling item in the market – which at that time were memory cards. I purchased 1000 pieces of them. I bargained with the vendor to give me a good discount since I was paying cash (in a credit based market) that too for such a big bulk quantity. He agreed to give me at USD 1 less than the selling price. Then I began advertising in the market that I was selling these same memory chips in the market for the same price for any quantity. You could purchase just 5 pieces or even 1 – I would sell it to you for this bargain price. The only condition – they had to come to my outlet to purchase this. Soon the word spread like fire and everyone started to purchase these items from me. People started to recognize my company and soon relationship with new clients & vendors got built.
LOY MACHEDO: What about the Credit System? Did you finally go about agreeing to provide sales on Credit Terms?
SANJAY BANSAL: The 1st year no. I had to identify whom I could do business with and whom I couldn’t do business with. So after a year, I kind of got a clear picture of this.
LOY MACHEDO: How many hours a day did you work those day?
SANJAY BANSAL: Work is Worship and Worship is Godliness. There was no ‘hours of work’. My focus was only to work.
LOY MACHEDO: Then how did you balance your family life as your Wife and Child was also staying with you?
SANJAY BANSAL: The Solution was simple. I took a House and Office in the same street – a distance I could easily cover by foot. So it became easier to go home if there was any need. And to add to it, my wife was incredibly supportive. Without her, I don’t think I could survive this phase. She was my right hand, my backbone and my stronghold.
LOY MACHEDO: What were your duties and how many employees did you have those days?
SANJAY BANSAL: I was everything in the company. I was the driver, I was the salesman, I was the accounts person, I was the purchaser, I was the administrator, I was the cleaner – Everything. And I am proud that I built the foundation with my blood, sweat and tears.
LOY MACHEDO: So what was the strategy after year 1?
SANJAY BANSAL: The 1st year we set up shop and started building business relationship with the customers in the local market. The next year my target was the entire GCC market. I started sending mailing shots to clients around the GCC, I hired a salesperson to ensure he physically went to meet up with these clients and that is how we spread across in the GCC.
LOY MACHEDO: Was it all so easy or did you experience any problems?
SANJAY BANSAL: I do not identify set-backs as problems rather ‘hidden opportunities’. When our business began to grow across the GCC, we encountered a rather bizarre complication. We had distributors across the region and became of the demand, our distributors began to demand exclusivity. The reason being was one client could purchase the good say from Qatar in large quantities. But he also had the option to come and purchase it from our distributor in Dubai. And between them complications started to arise. So we had to address this issue once and for all. So we streamlined the distributorship to just one single channel partner.
LOY MACHEDO: How did you qualify this Channel Partner? Was it based on volume of business or profitability?
SANJAY BANSAL: The only qualifying credential was Trust, Customer Focused Approach and Long Term Relationship.
LOY MACHEDO: Tell me about INTEX Technologies relationship with GITEX.
SANJAY BANSAL: We started participating in GITEX right from the 1st year of inception.
LOY MACHEDO: You mean right from the 1st year itself?
SANJAY BANSAL: We had registered the company in the month of April. And in the Month of September – October we participated in GITEX. That is within 4-5 months of inception.
LOY MACHEDO: Tell me how did the 2008 Recession impact your business?
SANJAY BANSAL: In 2008, when the buzz of the Recession was floating around, we took preventive measures. We immediately started seeking business out of the UAE market in Europe, Asia and Africa. The best part about these markets was that, the clients in this region would pay cash on delivery – which was great. So in hindsight, the recession actually proved to be a blessing in disguise for us because our market share improved overall. And honestly, we didn’t lose money.
LOY MACHEDO: What is your workforce today?
SANJAY BANSAL: 80 + people.
Sanjay Bansal – Managing Director of INTEX Technologies having his Exclusive Interview taken by Loy Machedo – The Tattooed Trainer
PERSONALLY SPEAKING
LOY MACHEDO: Alright. Now these were all your success stories. Talk to me about some of the failures or ‘Hidden Opportunities’ as you put it that you faced:
SANJAY BANSAL: All the problems that we faced were always when we tried something new. For instance, we never had International Experience when we started doing business with clients overseas. One of our overseas clients in Morocco had sent us a USD 60,000 worth confirmed order. He didn’t have the Bill of Lading as we had sent the product via shipment. And he couldn’t receive the products without the Bill of Lading. Now he requested me to send the Bill of Lading to him and he would pay us within a weeks time. Since we were dealing with him for some time I didn’t see any problem with this request – especially since all my dealings with customers and suppliers is based on trust. So I obliged and the next thing I know, he is not contactable.
So to overcome this problem, I ensured we employed the services of Credit Insurance Companies on all such transactions.
LOY MACHEDO: Is that person still in business?
SANJAY BANSAL: Yes, he is. But he is struggling. I don’t wish him bad but ethics should never be compromised for any reason whatsoever.
LOY MACHEDO: Any other incident?
SANJAY BANSAL: Well there were small ones but nothing major. (after thinking for sometime) Oh yes, one of our employees started selling our good in the market for a much cheaper price. He would collect the cash on our behalf but no one in the office was aware of it. So to overcome this issue – we made our credit systems stronger.
LOY MACHEDO: By the way when did you get married?
SANJAY BANSAL: I got married when I was 26 years of age, in the year 1997. And it was an arranged marriage.
LOY MACHEDO: What is your Management philosophy
SANJAY BANSAL: First – Employees are the most important people in any organization. I make sure I take care of them, nurture them and give them opportunity to grow, make mistakes, learn from them and contribute to both themselves and to the organization as a whole.
Second – Do just make the Customers Happy. Make them Delightfully Ecstatic with Joy & Satisfaction.
Third – Business Ethics, Business Morals & Business Principles should never be compromised for any reason whatsoever.
LOY MACHEDO: What is your leadership style?
SANJAY BANSAL: I give room for my people to work in their own style and their own method. I allow leeway for mistakes but not to the point of repeating the same mistake over and over again. And I am a strong believer of giving others opportunties.
LOY MACHEDO: Can you give me an example to make it more specific?
SANJAY BANSAL: In 1994, in India, a gentleman joined our company as a sweeper. He was from the village with absolutely no education whatsoever. However, he showed a great deal of interest in the technical side of our business. Whenever during the break, he would sit with the technicians and ask questions. So, we gave him the opportunity to learn and grow during office hours. Today, he is the Head of Department (Services). In fact, just a few days ago, he went to Qatar by himself and solved a technical issue for one of our important clients.
We also had a Clerk with no experience who grew up the ranks to become our Logistics Manager. Another Inexperienced Clerk who joined later become our Public Relations Officer.
LOY MACHEDO: Who is your oldest employee to date?
SANJAY BANSAL: We have employees who have joined our company since 1994. The Head of Department (Services) is another example.
LOY MACHEDO: What is your biggest regret to date in business?
SANJAY BANSAL: During the 2003 – 2004 the Retail Mania in Dubai was on. Many Retail Outlets approached us to start business with them. At that time my focus was only Export Business. I made the mistake of assuming that UAE would cater to only a small population. Even Lulu Supermarket approached us to keep our goods in their outlets. However, in 2009, I realized the lost opportunity.
LOY MACHEDO: Single Biggest Happiest moment in your career?
SANJAY BANSAL: When I visited Jabel Ali once, I was in total Awe and Wonder at those amazing structures and warehouses. I would always wonder how could anyone afford and maintain such warehouses? It was always my hope to have one for our company. Finally in 2008, we finally managed to purchase a 55,000 Sq. Ft. Warehouse for ourselves.
LOY MACHEDO: You did that during the recession?
SANJAY BANSAL: Actually, we did purchase it a few days before the recession. Funny thing was, just the very next day after the recession hit us, the value came down to 50% of what I paid for it. And that is a loss in millions. However, I kept cool and calm and today I can say that it was worth the risk we undertook many times over.
LOY MACHEDO: What do you state as your Weakness?
SANJAY BANSAL: I am still a student in the art of communication.
LOY MACHEDO: What do you state as your Leadership Weakness?
SANJAY BANSAL: I give a lot of opportunities for people to learn, grow and climb the ladder of success. However, retaining talent and finding the right people is never easy.
LOY MACHEDO: What are your Strengths?
SANJAY BANSAL: I believe in staying positive.
LOY MACHEDO: What are your Leadership Strengths?
SANJAY BANSAL: I believe in People, I am a Motivator and I allow people to work in their own individual style.
LOY MACHEDO: What do you Passionately Love apart from Business?
SANJAY BANSAL: I love playing with kids, I love talking to them and I love being with children. In fact, my dream is to set up a school or educational institute where children can learn, grow and study for free.
LOY MACHEDO: What do you hate?
SANJAY BANSAL: I hate people boasting about themselves.
LOY MACHEDO: Like me? (I laughed)
SANJAY BANSAL: (laughing) I mean, People who talk a lot but are not able to back it up with action and yes, people who believe in putting others down in order to succeed.
LOY MACHEDO: Your favorite Cuisine
SANJAY BANSAL: I love Spicy Indian Food. And if you want specifically, the food cooked by the hands of my loving beautiful wife.
LOY MACHEDO: Your favorite Holiday Country
SANJAY BANSAL: Switzerland.
LOY MACHEDO: Your Favorite Brand
SANJAY BANSAL: I am not a very Brand person per se but yes, I had a dream to purchase a Rolls Royce.
LOY MACHEDO: When do you plan on achieving this dream?
SANJAY BANSAL: (Big Smile). I just finished purchasing my 2nd Rolls Royce a few days ago.
LOY MACHEDO: Wow! You must be so proud of it! You must be feeling like a New Man!
SANJAY BANSAL: I was the same Sanjay Bansal who was driving the 2nd hand scooter many years ago with many answering machines tied to his back. Today I am the same Sanjay Bansal who driving another vehicle with 2 more extra wheels. That’s it. Your Character, your heart and your mind should make you who you are. Not these toys. I came with nothing in this world and when I die, I will go with nothing. So I feel the same as I felt many all these years. Grateful to be alive and happy to be with family and things money cannot buy.
LOY MACHEDO: Your Role Model?
SANJAY BANSAL: My Elder brother. He is my Father Figure, My Teacher and My Mentor who groomed me to where I am today. He was the one who conceptualized the idea of INTEX.
LOY MACHEDO: What is your vision for INTEX?
SANJAY BANSAL: To make this a Global Fortune 500 Company.
LOY MACHEDO: What is your vision for yourself?
SANJAY BANSAL: To give the best to my family, my wife and my children.
LOY MACHEDO: What is your vision for the world?
SANJAY BANSAL: To create as school where children who cannot afford, can study and make something out of their life.
LOY MACHEDO: What age would like to die?
SANJAY BANSAL: I believe in this strange belief that if you fix a date, you will achieve whatever you seek on that date. So that is why I fixed the date of my death in the year 2058. That is around 87 years of age.
LOY MACHEDO: Are you afraid of Death?
SANJAY BANSAL: Death in itself, No. Painful Death – Yes.
LOY MACHEDO: What are your Health Goals?
SANJAY BANSAL: My Father was Diabetic and had Cholesterol. And that has always scared me. However, focusing a lot on business resulted in me having a slight cholesterol issue. That is why I decided from now, I will be active in Sports and other Social Events.
LOY MACHEDO: Where you a Sporty Person or someone who stayed indoors?
SANJAY BANSAL: From childhood I was a very outdoor kind of a person who would skate like a Daredevil. Even on the Streets of India, I would wear my skates, hold the back of moving cars and move like a Super Hero – not that I recommend it today to anyone. And yes, I played Squash actively.
LOY MACHEDO: Do you have any Favorite Books or Authors?
SANJAY BANSAL: I love books on Leadership. There is no favorite author as such.
LOY MACHEDO: Favorite Actor or Actress?
SANJAY BANSAL: None.
LOY MACHEDO: Favorite Movie
SANJAY BANSAL: 3 idiots.
LOY MACHEDO: Favorite International Businessman
SANJAY BANSAL: Richard Branson of Virgin Group
LOY MACHEDO: What is opinion of Dubai?
SANJAY BANSAL: A Truly Wonderful place which has Great Leadership and Vision filled with a Cosmopolitan environment. It is great to be here!
LOY MACHEDO: A Message you would leave to the world?
SANJAY BANSAL: Be happy make others happy