--- ever heard of "finacle" sanjeev.... almost all the leading banks in india are using this product for there banking solutions.... so much for products
--- Intellectual property, can comment much but being in top 3 spot every year since last 5 years means it has a lot of it, U being a NRI should know that it is fish eat fish world here
--- develop something and get royalty, thats not there primary business. So no wonder they are not doing it.
