Utpal Dutta I have been part of VFS for the last 19 years now. I have seen VFS grow from strength to strength and today it has created a unique niche for itself in the microfinance sector in India. It gives me immense satisfaction to have been part of VFS’s growth story. I owe a lot to VFS for the contribution it has had made to my personal as well as professional life. I hope VFS reaches even greater heights.