Bangalore, India – February 10, 2026 – Delper Ecom Pvt Ltd today announced the launch of its Minimum Value Product (MVP), an initiative designed to go onboard with 320 million families across India in 36 months. With an initial investment of ₹10.06 crores, the company is introducing a model that integrates advertising liquidity with ESG-compliant grocery redemption to create a structured ecosystem centered on trust, profitability, and institutional assurance.

In parallel, Devaramakkalu Charitable Trust projects are being integrated into franchise-style CSR initiatives, ensuring that each social impact activity is financially self-sustaining and scalable.

Strategic Vision and Financial Scale

Delper Ecom’s MVP combines AdTech innovation with essential goods distribution through a closed-loop system. Families enrolling in the Delper Ecom mobile application participate through three members collectively watching 180 minutes of advertisements daily. In return, they receive rewards which are redeemed strictly in the form of groceries and daily essentials, with no cash payouts permitted.

The structure generates ₹64,800 in monthly ad revenue per family, allocated as follows:

• 30% Family Rewards (₹19,440)
• 30% Operations
• 30% Gross Profit (reinvested for onboarding expansion)
• 10% Contingency Reserve

At this projected scale, it translates into ₹2,07,600 crores per month in reward redemptions. The company states that investors are assured capital repayment within 12 months, including 36% annual interest.

Embedded ESG Compliance Framework

ESG compliance forms a core pillar of the model. Goods are sourced exclusively from ESG-compliant sellers listed on major marketplaces, including Amazon.in, Reliance Retail, Adani Food Products, and Flipkart. Once the platform surpasses 30 million families, advertising sources are projected to transition from Google AdSense to Alibaba Ads, thereby linking the ecosystem to a broader global vendor network.

Deliveries are handled by ESG-compliant logistics partners such as DTDC. PwC is proposed as the independent ESG consultant, with responsibility for monthly scoring and audit trails designed to enhance institutional confidence among advertisers, vendors, and investors.

The vendor ecosystem is projected to grow from 128 vendors initially to 800,000 vendors by Month 36, supported by onboarding fees and a commission-based structure.

Scaling Roadmap and Franchise Strategy

The company’s scaling roadmap is based on reinvestment of gross profits generated from ad mediation. The plan targets 10 million families by the year-end and full operational scale by the end of the third year.

The franchise model balances ownership and expansion. Owned outlets in capital cities are intended to maintain operational standards and brand consistency, while franchising in other locations of the state enables accelerated expansion with lower capital deployment. Local franchise partners are expected to adapt operations to regional preferences.

By the end of this year, Delper Ecom projects 880,000 franchises across India. Franchise economics are structured around ₹20 lakhs infrastructure cost, ₹1.8 lakh to ₹7.4 lakh in projected monthly profit, and breakeven within 3 to 11 months.

Technology Backbone

The MVP operates on an AI-augmented management system providing analytics, operational oversight, and advertisement tracking. Blockchain integration ensures secure and traceable deliveries through QR and OTP verification at each stage of the logistics chain.

Interim logistics support is provided through Speed Post and DTDC, including real-time tracking and insurance claims for lost packages until franchise networks are fully operational. The technological framework is designed to support transparency, traceability, and scalable compliance.

ESG Best Practices and Mitigation

To support ESG performance, Delper Ecom incorporates structured initiatives across environmental, social, and governance dimensions. Environmental measures include renewable energy adoption, zero-waste policies, and carbon offset initiatives. Social measures include community engagement programs, diversity and inclusion practices, food bank initiatives, and educational outreach. Governance measures include structured ESG reporting, board diversity, and supply chain accountability.

Mitigation strategies include phased ESG investment planning, supplier scoring systems, periodic audits, and regulatory compliance alignment to support responsible expansion.

Integration of Charitable Trust Projects as CSR Franchise Cells

Devaramakkalu Charitable Trust projects are being structured as Delper CSR Franchise Cells operating locally and monitored centrally.

Environmental (E) CSR Units:

• Green Infrastructure Franchise (tree planting, watershed development, borewells, solar systems)
• Eco-Education Pods (environmental awareness and waste management training)

Social (S) CSR Units:

• Health Clinics Franchise (medical camps, Ayurveda/homeopathy centers, mobile clinics)
• Education Hubs Franchise (schools, vocational training, nursing, and pharmacy institutes)
• Women & Child Empowerment Franchise (tailoring, embroidery training, SHGs, shelter homes)
• Cultural Academies Franchise (music, dance, drama, fine arts)

Governance (G) CSR Units:

• Compliance Dashboards Franchise (audit-ready records, donor transparency, blockchain documentation)
• Funding Engines Franchise (benefit programs, donor pipelines, structured loan models)

Revenue streams include carbon credits, microenterprise income, ticketed cultural events, and CSR sponsorship frameworks. Each charitable initiative is structured to function as a measurable and auditable operational cell.

AI-Enabled Blockchain Monitoring Platform

To manage both franchise and charitable operations, Delper Ecom is deploying an AI-enabled blockchain platform. The AI layer supports predictive analytics, demand forecasting, performance monitoring, and compliance alerts. The blockchain layer maintains immutable records of donations, expenses, and project milestones, alongside smart contracts for milestone-based fund disbursement and tokenization of impact outputs such as carbon credits and training certifications.

The integration layer incorporates IoT environmental sensors, mobile reporting applications, and centralized dashboards for trustees, corporates, and investors.

Leadership Perspective

“Our MVP is not just a financial structure; it is an onboarding model where advertising liquidity intersects with ESG stability. By rewarding families with essential goods and embedding structured compliance through our proposed ESG oversight partner, PwC, we aim to build a scalable and defensible marketplace,” says GK Bharta, Director of Delper Ecom Pvt Ltd. This statement gives a clear view about his leadership perspective.

About Delper Ecom Pvt Ltd

Delper Ecom Pvt Ltd is a marketplace initiative focused on essential goods distribution through an advertisement-based grocery redemption system. The company operates within an ESG-aligned framework supported by reinvestment-based scaling and structured compliance mechanisms.

Contact

GK Bharta
info@delperecom.com
210/3, Liftix Coworks, 3rd Floor
Bellary Road, Sadashiv Nagar
Bangalore – 560003
Karnataka, India

Website: www.delperecom.com

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RBI’s proposed tightening of rules to curb mis-selling of products, such as mutual funds or loan-linked insurance, by banks could slow the expansion of credit life insurance, a fast-growing segment tied closely to retail lending, experts said. This insurance segment, although nascent, already garners about ₹30,000 crore in premiums.

“The biggest impact will likely be on group credit life policies sold alongside retail loans,” a senior insurance executive said. “That’s where distribution practices will need to change.”

The draft guidelines prohibit banks from making the purchase of third-party products, including insurance, a prerequisite for sanctioning loans. RBI said banks “shall not bundle the sale of any third-party product or service with any of its own.”
The move targets concerns that bundling add-on products during the onboarding process may mislead customers. The change could hit credit life policies, which cover outstanding loans in the event of a borrower’s death. These policies, sold as group contracts by lenders but covering individuals, have grown rapidly alongside home and retail loan growth and now account for about ₹30,000 crore annually.
India’s life insurance industry generated ₹8.86 lakh crore in premiums last year, including about ₹4 lakh crore from new business, of which ₹1.5-1.6 lakh crore came from retail and ₹2.5 lakh crore from group business. Credit life makes up roughly ₹30,000 crore of this.

Elon Musk on Thursday slammed Anthropic, accusing the artificial intelligence (AI) company’s models of being “misanthropic and evil.”

Musk’s comments came in response to a post on X in which Anthropic — led by CEO and co-founder Dario Amodei and best known for its Claude family of large language models — announced it had closed a $30 billion funding round at a $380 billion post-money valuation. 

In his reply, which drew at least 1 million views within hours, Musk alleged the company’s AI systems exhibit racial and demographic bias.

“Your AI hates Whites & Asians, especially Chinese, heterosexuals and men. This is misanthropic and evil,” Musk wrote. “Fix it.

NLRB DISMISSES SPACEX CASE OVER FIRED ENGINEERS, SIGNALS NO FUTURE ENFORCEMENT ACTION: REPORT

“Frankly, I don’t think there is anything you can do to escape the inevitable irony of Anthropic ending up being Misanthropic. You were doomed to this fate when you chose your name. The Name of the Wind.”

The Tesla CEO’s AI company, xAI, and its chatbot Grok compete directly with Anthropic’s Claude models.

Musk has previously been critical of Anthropic, including after reports last month that Anthropic cut off xAI’s access to Claude models, according to The Economic Times.

ELON MUSK CALLS POLICE RAID ON X OFFICES A ‘POLITICAL ATTACK’ AMID FRENCH CRIMINAL PROBE

“Not quite on programming, but it will excel in other areas. Anthropic has done something special with coding,” Musk wrote on X Jan. 15. “It was a helpful motivator that they cut us off [xAI] and not good for their karma.”

In a Jan. 30 post on X, Musk appeared to similarly mock Anthropic’s name.

“Always worth remembering that fate loves irony. The most ironic outcome for a company named [Anthropic] would be that it is the most misanthropic!”

Anthropic’s latest funding round ranks among the largest private tech fundraising rounds to date, second only to OpenAI, according to CNBC. 

SPACEX ACQUIRES XAI IN RECORD-SETTING DEAL VALUED AT OVER $1T

Musk is similarly engaged in an ongoing feud with OpenAI CEO Sam Altman. The two traded barbs on X last month after Musk responded to a post alleging that OpenAI’s ChatGPT had been linked to multiple deaths, Business Insider reported.

“Don’t let your loved ones use ChatGPT,” Musk wrote.

Altman pushed back, taking aim at Tesla’s Autopilot technology.

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Musk, Altman and Anthropic could not be immediately reached by FOX Business for comment.

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Cochlear Limited (CHEOY) Q2 2026 Earnings Call February 12, 2026 6:00 PM EST

Company Participants

Dig Howitt – CEO, MD, President & Executive Director
Sarah Thom – Chief Financial Officer

Conference Call Participants

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David Low – UBS Investment Bank, Research Division
Andrew Goodsall – MST Financial Services Pty Limited, Research Division
Davinthra Thillainathan – Goldman Sachs Group, Inc., Research Division
David Stanton – Jefferies LLC, Research Division
Saul Hadassin – Barrenjoey Markets Pty Limited, Research Division
Steven Wheen – Jarden Limited, Research Division
David Bailey – Morgan Stanley, Research Division
Craig Wong-Pan – RBC Capital Markets, Research Division
Sacha Krien
Lyanne Harrison – BofA Securities, Research Division
Laura Sutcliffe – Citigroup Inc., Research Division
Christine Trinh – Macquarie Research

Presentation

Operator

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Thank you for standing by, and welcome to the Cochlear Limited HY ’26 Results Analyst and Media Briefing. [Operator Instructions] I would now like to turn the conference over to Mr. Dig Howitt, CEO and President. Please go ahead.

Dig Howitt
CEO, MD, President & Executive Director

Hi, everyone. Thanks for joining us today for our first half results announcement. So let me get started and said we’ll do a presentation upfront and then open for questions. We always do like to start with our mission and particularly this half where we’ve been very focused on the launch of Nexa, which is the core of our mission of getting people here and be heard and some highlights of being able to talk to professionals about their excitement around the technology in Nexa and what that brings for the future and to be able to meet a bunch of recipients who have — excited by the technology and be able to benefit from features like Smart Sync.

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Let’s get into the result. So the — as I said that this year — this half is really all about Nexa. And certainly a big undertaking sort of

Mumbai: Indian software services stocks cracked under a fresh bout of selling on Thursday, with the Nifty IT index tumbling more than 5% for the second time in less than 10 days as the unexpectedly strong US jobs data for January added to existing concerns over AI’s impact on the sector. The NSE’s IT benchmark fell 5.5% – closing at a 10-month low, with all 10 constituents ending between 4% and 7% lower. Coforge slid 6.6%, followed by Tech Mahindra, Oracle Financial Services Software, LTIMindtree and Infosys, which fell 6-6.4%. Thursday’s sell-off wiped out ₹1.56 lakh crore from the Nifty IT index.

US job data growth rose in January, signalling a strong labour market that could deter the Federal Reserve from cutting interest rates. Lower interest rates are expected to boost demand. But investors’ main concern about the prospects of IT companies remains the advancement of AI technologies.

“Rapid developments in AI have created uncertainty among investors, which is weighing on sentiment for traditional IT stocks,” said Sumit Pokharna, vice-president, Fundamental Research at Kotak Securities.

The index had dropped 5.9% on February 4 after San Francisco-based AI company Anthropic announced Claude Cowork, an open-source plugin designed to automate tasks across legal, sales, marketing and data analysis. That fall erased ₹1.9 lakh crore in market value from the Indian IT pack on a single day.

Vikas Gupta, CEO at OmniScience Capital, said the industry has long understood AI’s productivity potential, but Anthropic’s latest announcement has highlighted its disruptive impact for stock-market investors, triggering fresh fears.

Gupta said even as demand for digital services rises and AI investments may reach $2-3 trillion over the next five years, IT services are unlikely to be disrupted overnight. “We expect IT companies to now pivot towards enabling AI adoption for non-tech companies. But this transition may take time, keeping growth uncertain,” he said.

Valuations: No Comfort
Gupta said Indian IT stocks were trading at premium valuations of 20-30 times price-to-earnings (P/E) despite near-term revenue growth expectations of just 2-4%.
“Even after this correction, we remain cautious until valuations in the sector become more attractive,” he said. Pokharna said while valuations have moderated, he sees scope for better entry points in the near term and remains optimistic on the sector’s medium- to long-term prospects.

“We believe the recent sell-off may be somewhat overdone, as not all expectations from new technologies materialise immediately, and Indian IT companies are likely to adapt over time,” he said. Most large- and mid-cap IT stocks have seen a build-up of bearish positions amid the recent sell-off, said Rajesh Palviya, head of technical and derivatives research at Axis Securities. Now, the Nifty IT index, which closed at 33,160 on Thursday, is near a key support zone.

A week ago, sentiment on Dalal Street was upbeat. Trade progress with the US and EU, along with a largely acceptable Budget, had put markets on firm footing. But a sharp, AI-led global rally has since redirected flows, triggering a slide in domestic equities.

Vinit Sambre from DSP Mutual Fund believes the bigger picture remains constructive despite near-term volatility. “I am seeing a lot of improvement in domestic macros over the last year — interest rate cuts, GST benefits, income tax benefits and the US trade deal. A lot of the macros are now falling in place,” he said, adding that earnings downgrades appear largely behind us and valuations are becoming “more reasonable.”

The key missing piece, he argued, is earnings growth. “Growth is the most important ingredient. Nifty earnings have slowed from 18–19% to 7–8%, which has subdued sentiment. We need growth visibility to come back — that will be the trigger for markets to move upwards,” Sambre noted. He also pointed out that a stabilising rupee could help improve foreign investor sentiment.

Sectorally, banking could lead the recovery. “Banking was lacklustre for two years, but NIM pressures are reversing. If banks show 15–17% growth, that can be an important driver to overall earnings,” he said.

On consumption, Sambre prefers discretionary over staples. “As income levels grow, people look beyond basic needs. I am more positive on consumer discretionary than FMCG,” he said, highlighting autos, hospitals, jewellery and insurance as pockets of strength. He expects white goods and consumer durables to gradually improve as well.

Healthcare continues to deliver steady growth, while IT remains in a transition phase. Though near-term uncertainties persist, he believes AI adoption could eventually create opportunities for Indian IT firms.
On valuations and downside risk, Sambre advised against obsessing over another 8–10% correction. “Valuations look reasonable after underperformance. More importantly, we need visible signs of business momentum picking up. Today, noise levels are high and there is overreaction,” he said. For now, markets are balancing improving domestic fundamentals against global AI-driven capital shifts. The next decisive move may hinge less on headlines and more on earnings delivering on promise.