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About 20.95 Ventures

20.95 Ventures is a goodness platform that is revolutionising the way business communities operate through its innovative platform, HUMBEE.

Through HUMBEE, we aim to fill two common gaps in every industry:

The requirement for social security coverage for often overlooked participants in the value chain, such as dealers, distributors, super stockists, retailers, pharmacists, kirana store owners, agents, and more.

And,

The necessity for an integrated platform for companies to effectively direct their welfare initiatives to support inclusive growth.

Value Chain Partners lacked a platform to acknowledge and reward their contributions through social security coverage and more.

Corporates lacked an integrated mechanism to actively reward the participants' contributions.

The app has already attracted thousands of users who are logging their transactions. Over the next few years, the company aims to extend its support to businesses across various industries, with the goal of reaching 15 to 20 million families and providing them with social security coverage and more.

About Humbee

    We Are:

  • Global Pioneers
  • Enablers of Intent
  • Welfare Platform

HUMBEE is a mobile app developed by 20.95 Ventures. Much like the concentration of oxygen required for us to survive, 20.95 Ventures, through HUMBEE, aims to maintain the same concentration of goodness in business.

Understanding the Word HUMBEE

HUMBEE: The sweet spot between much-needed social security and hard work HUMBEE represents the fusion of ‘HUM’, the Hindi word for ‘We/Us Too’, and ‘BEE’, an emblem of selfless dedication and community service. It embodies the spirit of collective effort and the ethos of working harmoniously for the greater good.

In essence, HUMBEE signifies:

‘HUM’: Emphasising the importance of togetherness, reflecting a shared identity and mutual goals.

‘BEE’: Just as bees tirelessly produce honey and pollinate plants, HUMBEE symbolises your selfless contributions towards business communities.

‘HUM-BEE’: The combination of ‘HUM’ and ‘BEE’ suggests a synergy where individual efforts can lead to extraordinary outcomes.

HUMBEE is more than just a word; it’s a philosophy that encourages us to work together, contribute selflessly, and create a positive impact on the world around us.

We are a platform aiming to enable and channelise corporate welfare intent in a way never done before.

Our Team

Navin Tewari

Founder & CEO

Navin Tewari oversees the essential role of “Founder and CEO” of 20.95 Ventures, with a profound commitment to delivering welfare to value chain partners through the groundbreaking HUMBEE technology platform.

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Kishore Chamria

Co-Founder and Captain – Business

Kishore Chamria embraces the pivotal responsibility of “Co-Founder and Captain – Business”. He orchestrates business acquisition, client relationship management, and revenue growth with unparalleled expertise.

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Anuj Nigam

Co-Founder and Captain – Finances

Anuj Nigam holds the key position of
“Co-Founder and Captain – Finances” at 20.95 Ventures. With over 27 years of diverse industry experience, Anuj brings expertise in finance, tax, accounting, and procurement.

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Aditya Nikhil

Co-Founder and Captain – Business Development

Aditya Nikhil assumes the pivotal role of “Co-Founder and Captain – Business Development”, drawing upon a wealth of experience spanning more than two decades within the realms of both Cement and FMCG Industries.

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Uplift The Dignity Of Every Member Of The Manufacturing/Distribution Value Chain

Kishore Chamria

Co-Founder and Captain - Business

Kishore Chamria embraces the pivotal responsibility of "Co-Founder and Captain - Business". He orchestrates business acquisition, client relationship management, and revenue growth with unparalleled expertise. With a rich tapestry of 23 years in navigating scale, crafting expansive distribution networks, and fostering winning teams within the Financial Services and FMCG sectors, Kishore reflects his relentless pursuit of excellence in whatever he does. Before his groundbreaking tenure at 20.95, he spearheaded the sales and distribution arm of Capital Foods and managed a vast network of stakeholders, from Super Stockists to Distributors and retail outlets. His leadership prowess shined throughout this tenure as he established multiple growth channels and drove substantial value creation. His innate understanding of consumer behaviour, business cycles, and economic trends has fueled strategic expansions, propelling FMCG and financial services sectors to new heights. A distinguished career spanning leadership roles at esteemed organisations like Aditya Birla Sun Life AMC and ICICI Prudential AMC, academic credentials from IIM Bangalore and ISB Hyderabad, and his Commerce background together underscore his unwavering commitment to excellence and continuous learning.

Anuj Nigam

Co-Founder and Captain - Finances

Anuj Nigam holds the key position of "Co-Founder and Captain - Finances" at 20.95 Ventures. With over 27 years of diverse industry experience, Anuj brings expertise in finance, tax, accounting, and procurement. His involvement in community engagements, notably with the Bunder diamond project of Rio Tinto in Madhya Pradesh, inspired his commitment to HUMBEE—a pioneering technology platform for the welfare of value chain partners. He has held pivotal roles in renowned corporations like Bharti Group/Airtel, Chevron/Caltex, and Schlumberger/Actaris/Itron, demonstrating his proficiency in business setup, change management, and regulatory compliance. As a Chartered Accountant, Company Secretary, and Cost and Management Accountant, Anuj's leadership drives financial excellence and transformative initiatives within the organisation.

Aditya Nikhil

Co-Founder and Captain - Business Development

Aditya Nikhil assumes the pivotal role of "Co-Founder and Captain – Business Development", drawing upon a wealth of experience spanning more than two decades within the realms of both Cement and FMCG Industries. A masterful fusion of business acumen and technical prowess defines his approach, seamlessly translating intricate data into actionable insights that fuel strategic decision-making processes. Aditya's illustrious track record is exemplified by his adept management of distributor networks and CRM programs, illuminating his capacity to streamline supply chains and cultivate robust business ecosystems. His unwavering commitment to excellence cements his position as a trusted leader who is instrumental in the establishment and fortification of thriving business networks.

Navin Tewari

Founder & CEO

Navin Tewari oversees the essential role of "Founder and CEO" of 20.95 Ventures, with a profound commitment to delivering welfare to value chain partners through the groundbreaking HUMBEE technology platform. With a diverse background spanning financial services, cement, foods, and FMCG industries, Navin has a proven track record of conceptualising and executing large-scale programs that benefit businesses. His transformative leadership at Capital Foods and UltraTech Cement Limited accelerated disproportionate growth and expanded distribution networks, benefiting thousands of value chain partners. His vision for welfare programs was cultivated during his tenure at Birla Sun Life Mutual Fund, where he developed a mission to make social security benefits accessible to all. As a qualified Chartered Accountant and Commerce graduate, Navin embodies the spirit of exploration, constantly seeking to implement innovative ideas for sustainable industry development and transformation.