Certifications of Md Saleheen Akhtar

🏅 The Bharat Scouts & Guides Beginners Course for Adult Leaders 🏅 

✅ Proud to be Certified!

I am honored to have successfully completed the Bharat Scouts & Guides Beginners Course for Adult Leaders 🏅 conducted by the Kolkata District Association at St. Xavier’s Collegiate School, Kolkata on 23rd February 2025.

This certification has strengthened my skills in:

🔹 Leadership & Team Building

🔹 Discipline & Responsibility

🔹 Guidance & Mentorship

🔹 Community Service & Social Impact

Being trained and recognized by one of India’s most reputed organizations – The Bharat Scouts & Guides – has been an empowering journey that reflects my commitment to personal growth, community engagement, and impactful leadership. 🌍✨

🛡️ Certificate of Commitment – Central Vigilance Commission (India)

This prestigious certificate, issued by the Central Vigilance Commission, affirms my formal adoption of the Integrity Pledge—a commitment to uphold the highest standards of ethics, transparency, and good governance in all profes

sional and personal endeavors.

✅ Why It Matters:
In today’s fast-paced digital and business landscape, integrity isn’t just a value—it’s a competitive edge. This certification reflects my unwavering dedication to ethical practices, responsible leadership, and trustworthy collaboration. Whether you're a client, partner, or stakeholder, you can be confident that I operate with accountability and honor.

📍 Certificate No.: 8735XXXX
📜 Endorsed by: P. Daniel, Secretary – CVC
🏛️ Issued by: Central Vigilance Commission, Government of India

🔗 Trust is earned. This certificate is one more reason you can count on me.

🏅 Certificate of Appreciation – 

Cystic Fibrosis Foundation🏅

 Awarded in recognition of my commitment and dedication to fundraising efforts for the Cystic Fibrosis Foundation. This honor reflects my passion for supporting global health initiatives and driving impact beyond borders.

🛒One Year Diploma in Retail Management🛒

Issued by: Global Retail School (Kolkata Central) in association with Centum Learning 

(Earlier Bharti Learning Systems)

Date: 2008–09

Awarded the One Year Diploma in Retail Management after successfully completing both theory and practical curriculum (PGP). This diploma strengthened my expertise in:

🛒 Retail Operations & Store Management

📊 Sales & Marketing Strategies

🤝 Customer Relationship Management

🔗 Merchandising & Supply Chain

📌 This certification reflects my professional credibility, adaptability, and strong retail business acumen, making me capable of excelling in dynamic customer-focused environments.

🌐 Digital Pradhan Certification –PayNearby Technologies Pvt. Ltd. 🌐    Proud to be appointed as a Digital Pradhan by PayNearby, having taken the official oath to serve customers with diligence, ethics, and integrity. ✅

This certification reflects my strong commitment to:

💡 Delivering digital financial services with honesty & transparency

👥 Ensuring customer satisfaction, dignity, and fairness in every interaction

🔐 Maintaining integrity, accountability, and trust in all service areas

📲 Empowering communities through digital inclusion & financial accessibility

📌 As a certified Digital Pradhan, I uphold the values of commitment, responsibility, and ethical service, making me a trusted professional for collaborations, digital initiatives, and customer-focused solutions. 🚀

✅ Certified Business Correspondent Agent  – YES BANK & PayNearby

📍 *Location: Kolkata | Since: Nov 2018*

Proudly certified by **YES BANK Ltd.** and **PayNearby**, MOHAMMAD SALEHEEN AKHTER has been officially trained and authorized as a **Business Correspondent Agent (BCA)**—a trusted frontline enabler of financial inclusion and secure banking services. With verified credentials and a proven track record in **Domestic Money Transfer (DMT)**, **AEPS** (Aadhar Enabled Payment Services), and **Micro ATM** operations, he continues to serve communities with integrity, transparency, and speed.  

💼 **BCA Code: 395722**  

📞 Escalation support backed by PayNearby Technologies Pvt Ltd (7 AM–10 PM daily)

🔒 Trusted | 💡 Trained | 🤝 Community-Focused

If you're seeking a reliable partner for fintech outreach, last-mile banking, or inclusive financial services—this certification speaks volumes. Let’s collaborate to build smarter, safer, and more accessible financial ecosystems.  

🏦 Certified Business Correspondent Agent – IndusInd Bank & PayNearby

📍 *Location: Kolkata | Valid Until: March 2026*

Md Saleheen Akhter is a **verified and trusted Business Correspondent Agent (BCA)**, officially appointed by **IndusInd Bank** through **PayNearby Technologies Ltd.** With this certification, he is authorized to deliver secure, last-mile banking services including **Domestic Money Transfer (DMT)** and **Aadhaar Enabled Payment Systems (AePS)**—empowering communities with fast, reliable, and inclusive financial access.

💼 **BCA Code : ** 81000903050  

🆔 **Certificate ID :** 395722  

🧾 **PAN :** ADPA*****

With a strong foundation in fintech outreach and a commitment to financial inclusion, Mohammad Saleheen Akhter stands out as a dependable partner for digital banking, rural enablement, and customer-first service delivery. His work reflects integrity, precision, and a deep understanding of grassroots financial needs.

🔐 Trusted | 📲 Tech-Enabled | 🤝 Community-Centric

Let’s collaborate to build smarter, inclusive financial ecosystems that reach every corner of India.

🎓 **Certified ULIP Expert | TurtleMint Academy**  

ULIP Expert learning path

Proud to have successfully completed the **ULIP Expert learning path** from TurtleMint Academy 🐢—a rigorous, industry-recognized program designed to deepen understanding of **Unit Linked Insurance Plans (ULIPs)** and their strategic role in financial planning.

This certification reflects my commitment to **client-first advisory**, **financial literacy**, and **transparent insurance outreach**. With hands-on insights into ULIP structures, benefits, and suitability across diverse customer profiles, I’m equipped to guide stakeholders with clarity, empathy, and precision.

✅ **Trustworthy. Knowledgeable. Results-driven.**  

Let’s collaborate to simplify insurance decisions and empower financial inclusion across India. 

✅ Certified POS Advisor 

Life & Non-Life Insurance | Insure Nearby

📅 *Certified on 01.06.2023 by PayNearby Insurance Broking Services Pvt. Ltd.*

Proud to be officially certified as a Point of Sale Advisor (POSA) for both LIFE and NON-LIFE Insurance by **Insure Nearby**, a trusted name in inclusive insurance distribution. This certification reflects my commitment to simplifying financial products for underserved communities and driving digital-first outreach with integrity and compliance.  

🔹 **POSA ID: POSA05645R**  

🔹 Backed by hands-on training and system-verified credentials  

🔹 Ready to support individuals and businesses with transparent, need-based insurance solutions  

💡 Whether you're seeking a reliable partner for outreach, onboarding, or financial empowerment—I'm here to collaborate and deliver results that matter.  

✅ Certified Point of Sales Person – Nearby Insurance Broking Services Pvt. Ltd.

📍 *Kolkata, West Bengal | Authorized on 01.08.2023*

Proud to spotlight **MD SALEHEEN AKHTER**, a certified and trained Point of Sales Person (POSP) under **Insure Nearby**, backed by regulatory compliance and ethical outreach standards. 

This certification reflects not just successful completion of industry-recognized training, but a commitment to responsible insurance advisory, customer-first service, and data protection protocols.

💼 **Why it matters:**  

- 🔒 Verified Aadhaar-backed authorization  

- 📚 Training aligned with IRDAI guidelines  

- 🤝 Trusted to deliver transparent, consent-based insurance solutions  

- 🧠 Equipped to support financial literacy and inclusion at the grassroots level

This credential is a strong signal of **professional integrity**, **client-centric outreach**, and **readiness for collaboration** in India’s growing insurance ecosystem. Whether you're seeking a reliable POSP partner or building a fintech-insuretech alliance, MD SALEHEEN AKHTER  brings credibility and clarity to the table.

Copy of ZOOVI U & ME (Website) by MD SALEHEEN AKHTAR

🌐 Frequently Asked Questions About ZOOVI & MD Saleheen Akhtar

👤 Who is MD Saleheen Akhtar?

MD Saleheen Akhtar is a visionary Business Consultant, Author, and Founder of ZOOVI. With 15+ years of experience across healthcare KPOs, debt collection, insurance, and manufacturing, he empowers startups, SMEs, and underserved communities through fintech outreach, remote hiring, and digital transformation.

He is a Level 7 Local Guide on Google Maps, helping small businesses grow through authentic, positive reviews that boost visibility and market trust.

As a published author, his books—including My First Job (available on Amazon)—offer real-world insights on marketing, human behavior, and relationships, especially for those struggling with confidence and clarity.

MD is also a passionate advocate and volunteer for the Cystic Fibrosis Foundation USA, raising awareness and contributing to fundraising efforts that support research, treatment, and hope for those affected by this life-threatening condition. His global outreach reflects a deep commitment to health equity and compassion-driven leadership.

💼 What is ZOOVI?

ZOOVI is a futuristic consultancy brand offering business guidance, financial consulting, and personal valuation insights. It’s a movement committed to empowering lives, inspiring dreams, and uplifting communities.

🌟 What Makes ZOOVI Unique?

• Zoovi Car Rental: Vintage luxury cars for royal celebrations.
• Zoovi Lappy: Student laptop rental program launched with Mrs. Naaz Parveen.
• Spiritual Leadership: Inspired by Sufi Sajid Ajmeri—“Love for All, Hate for None.”
• Daawat-e-Fikr: Platform for Sufi mysticism and inner peace.
• Women’s Empowerment: Work-from-home initiatives breaking taboos in conservative communities.
• Fintech Collaborations: PayNearby, GROMO, InvestKraft, Turtlemint Pro—aligned with Digital India, Make in India, and Atmanirbhar Bharat.

📊 What Services Does ZOOVI Provide?

• 💸 Fintech outreach & digital onboarding
• 👩‍💻 Remote hiring systems (training, SOPs)
• ⚙️ SEO content strategy, automation, and process optimization

🤝 How Does ZOOVI Support Financial Inclusion?

ZOOVI connects communities to government schemes like PMMY, PMSBY, and APY, helping rural entrepreneurs access credit, insurance, and savings programs.

👥 Who Can Benefit from ZOOVI?

• Startups & SMEs
• NGOs & fintech firms
• Students & rural professionals
• Women seeking remote work opportunities
• Entrepreneurs building dream projects

🔗 How to Connect with MD Saleheen Akhtar & ZOOVI

• 📞 WhatsApp: +91 8100903050
• 📧 Email: zoovi.creation@yahoo.com
• Linktree
• Blog 1 | Blog 2
• Zoovi Store | Amazon Store
• Turtlemint Profile
• GROMO Profile
• InvestKraft Portal
• LinkedIn: MD Saleheen Akhtar

🧠 ZOOVI: Building a Legacy

• Memories Made Royal: Vintage car rentals
• Empowering Education: Laptop programs
• Guided by Wisdom: Mentorship of Sufi Sajid Ajmeri
• Partnerships for Change: Collaboration with leaders & NGOs
• Holistic Impact: Combining spiritual, educational & social upliftment

📣 Transforming Strugglers into Achievers

At ZOOVI, we don’t just create systems—we create business opportunities. We uplift, empower, and guide individuals toward financial stability and purpose-driven success. And as MD Saleheen Akhtar always says—“None of this would be possible without the grace of the Almighty.”