offering rules volkswagen group redmond domestic car sales combined market capitalisation hospital chain summit recycling centre cag charges path fuel surcharge "inquilab zindabad" karnataka rbi hikes rate city housing hsbc pre-payment fees r-infra realize sabmiller gold imports exxon mega-rich friends 285 million embarrassed august karna gupta pipavav tax saving flour us crisis lending visa missing targets sanjay jha royal philips electronics software firm lame excuses