BEGIN:VCARD
VERSION:3.0
REV:2026-04-20T06:58:35Z
N;CHARSET=utf-8:Agarwal;CA. Vivek;;;
FN;CHARSET=utf-8:CA. Vivek Agarwal
ORG;CHARSET=utf-8:HCO & Co. Chartered Accountants
TITLE;CHARSET=utf-8:Managing Partner
EMAIL;INTERNET:vivek@hcoca.com
EMAIL;INTERNET;EMAIL;type=Alternate Email:cavivek.fca@gmail.com
TEL;TEL;type=CELL:+919839119370
TEL;TEL;type=Alternate Phone:+919336822525
ADR;WORK;POSTAL;CHARSET=utf-8:;;;;;;
URL;TYPE=website:www.hcoca.com
URL;TYPE=twitter:
URL;TYPE=facebook:
URL;TYPE=instagram:
URL;TYPE=youtube:
URL;TYPE=reddit:
URL;TYPE=tumblr:
URL;TYPE=linkedin:https://www.linkedin.com/in/vivek-agarwal-ca-6904b938/
URL;TYPE=pinterest:
URL;TYPE=tiktok:
URL;TYPE=googleDrive:
URL:https://wa.me/+919839119370
URL:https://pro.unogreencard.com/IDRXJD
PHOTO;ENCODING=b;TYPE=JPEG:/9j/4AAQSkZJRgABAQEAYABgAAD//gA7Q1JFQVRPUjogZ2Qt
 anBlZyB2MS4wICh1c2luZyBJSkcgSlBFRyB2NjIpLCBxdWFsaXR5ID0gNzUK/9sAQwAIBgYHBgU
 IBwcHCQkICgwUDQwLCwwZEhMPFB0aHx4dGhwcICQuJyAiLCMcHCg3KSwwMTQ0NB8nOT04MjwuMz
 Qy/9sAQwEJCQkMCwwYDQ0YMiEcITIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyM
 jIyMjIyMjIyMjIyMjIy/8AAEQgAyADIAwEiAAIRAQMRAf/EAB8AAAEFAQEBAQEBAAAAAAAAAAAB
 AgMEBQYHCAkKC//EALUQAAIBAwMCBAMFBQQEAAABfQECAwAEEQUSITFBBhNRYQcicRQygZGhCCN
 CscEVUtHwJDNicoIJChYXGBkaJSYnKCkqNDU2Nzg5OkNERUZHSElKU1RVVldYWVpjZGVmZ2hpan
 N0dXZ3eHl6g4SFhoeIiYqSk5SVlpeYmZqio6Slpqeoqaqys7S1tre4ubrCw8TFxsfIycrS09TV1
 tfY2drh4uPk5ebn6Onq8fLz9PX29/j5+v/EAB8BAAMBAQEBAQEBAQEAAAAAAAABAgMEBQYHCAkK
 C//EALURAAIBAgQEAwQHBQQEAAECdwABAgMRBAUhMQYSQVEHYXETIjKBCBRCkaGxwQkjM1LwFWJ
 y0QoWJDThJfEXGBkaJicoKSo1Njc4OTpDREVGR0hJSlNUVVZXWFlaY2RlZmdoaWpzdHV2d3h5eo
 KDhIWGh4iJipKTlJWWl5iZmqKjpKWmp6ipqrKztLW2t7i5usLDxMXGx8jJytLT1NXW19jZ2uLj5
 OXm5+jp6vLz9PX29/j5+v/aAAwDAQACEQMRAD8A7mYHB9aohSHLE5q/MPlz3qnsLMSOK0kQhGQn
 5yaeoLDrStkBVPWnBQBjoKQDlOxPel64Jp/l7kyO1G04ANAAyc5BzinRg5BwfxoVCSM06e4htYv
 MuJkjjHdzgUIBzICMKOfWkCiNs4+Y1jXXjPQLT79+jnGcRgt/Ksi5+IumZzFFK+OhxjNMLM7Vsb
 ee9I+QvB7V5VffEW/lk/clIYyeF2g8fWqNx8QdZeaN4rtFVBhoxGOfegdj16LcjZI61oxfdyRXl
 Fr8TbgBVuYIXI7rlSa6vSPiFpOoMIpybVz03nKn8aqOhLi2ddlSfWk4zwKSKSOaMSROro3RlOQa
 kA4rRGdhjcVDIxzVkjioihbPHFDBFE5DA4yM1NmkePGVNNiJKYPUcGs0WWEHGadSD7oFLWiIEaM
 gbl/EUincODT9xxTCOcqaBgTgUUxnPcCilcLFOWqrEKcd6leTB6VBIu5we9Ys0Q4fe3OeamUq6k
 8VTcSMcZ4qa3T5vm6UhluIjGM0shxyTwKUABMAfjXO+K9R+x6VMqTBJWUhT1x70MFqQ6n44sbAu
 kUU1wV4LouFH4nrXnviDxT/AGtPHICY41HABOfzrEvL+MBlikZs9WbJJ/oKoWdnd6rdeTDk+pxw
 ooLsW3lEzHY457UxZtoKMx9Oa6+DwO8dsgQs0n8R7mtOy+Gr3LK1w+1fTOTS9oi/ZSPNi7vlVAc
 H0FNNnOx3hXGfUZzXu9j4AsLZFHlq34Vpf8Ifp+P9QtJzZSpd2fOrQXCgDa5Psp4pySTqDlXIHX
 ivoWXwZpzpgwrn2qnJ4Ms4lIVFwexFS6ndD9j2Z49onivUtGnDW88ipkAqTkfl3r07Q/ihZXHlw
 6oohZgCJkBK/iOo/Wqeo+AbSdGVYwCehXgivNta8Paho11tIZoR0cenvVxqdjOdK259KR3EVzEs
 sLrJG4yrqcgj2pwOBXing/xZdaXCkCszxA8oWGD9PQ16dpHiex1YiFZPKuf+eUnBP09a3UkzncG
 jaZFY5PBqrt2SsBznmp2yRz1qB5NjqD3obEiUHFOzTA1PGOtUhDTRml6CmZoAQgHrRSqpY9OKKL
 AUABjpUEnLcVO+OM1XzliawZogQE5qwi7cHvVcPyeMVZU4UDvQgHBj0xXCfEaezgtgk1wROwzHE
 nU+59q7xB36kV5h8WMK9iwjG5t2Xxzx2pPYqO5x1jpRvAXL4Zuee1d9oGkwadawxqAXY7nb1NcH
 plzsi+ZiBjPHr2r0PSC0sUWQQccCs6j0N6S1Oqt9uAABWvaSYAGKx7MJCMzMAPetWPULIEBWB+h
 rOMXudDkjUSTtt/SpPMJ5xUMUsM4DKQcd6kCpt+8BWxk2g3g9hVad1JqV5reMENIKrPNbyDKSA1
 Mky4tIqO/OKxb+zhumkSRFZSOhFa9ypXlTxWXdM6RPIo5xWVim9Dyi+0gadrDrEf3TZKj29KpNq
 Mtvcgo5G05RgcFSK6C+1GG58xSPnDbW9R9K5D7NNdXgt4VZ5ZXAjUcksTgV0HGfQ3hu+k1Pw7ZX
 kw/eyR/MfUjjP6VclXOQOvamaPY/2ZotnY5BMESoSBjJxzUzjnJrdo5yKOTI5+8OoqXPeq5ULMG
 AOSMGpRQmA7NJjNApwBNUIcr7RRTCDRTuxGeSGYmqzMFY+lS7iW+UcUxwN/SudmwiHzOgqcZx6m
 oEdVJGMGpI345oAl3/AIVyHxJs1ufCskwj3PBIrA45UZwa60+tVtUSOXSbuGVd0bxMrD1BFJjW5
 4To1q91qFrb5+Une/0HNdpPqV3b3H2bTo8MmNznp9K5S1jurTUJ4bVf9LXO2ZTkbPTHvWzbxSJZ
 R3BtftU0q7jJLgjP41DSvc1i3sXWi128DGe9jX2D8VFHbanaSBhclsehNRi41NUHk6ZbuScbXYD
 8eCBT47bU5Qz/AGGNCrY2I4OR68k4/OtFsFjrNE16aCMJK5J966KTXcQbsEHHSvNp7e6to1ZnlR
 5CESIPklj0xV690nVtLFmdTnlME42g7jgN6Hn/ADiiy7j5mtLGlqut3U7nycg+9c+LzWo3LR3Sn
 2LYpl1pt3Gw227Ox6d/5mombVrBl8iyjuAVyeMbT6dqEKS7mpD4i8QQdcSj3YGuh0zX49TiMcqe
 VcDrH6/SuTS81KWNTJpgcn7yhQQPboD/ADp8EN02qq1qHttqB3Rlz36e2cVMknuNNx21KXi7TTa
 6sJoF2x3CkkejDnNR+DId3jbSll4Cux59Qpx/KrHi68eSOFbqGVJASY2XBU/Wr3g3TmtdXttRvS
 UdwfKiA5G4YyfShaJNktOV7I9eduOtRHkU1ZA4zmlzW25zjSBjPcUuRig9Kazc4HXGaYiRCA3I4
 qyuwDIrPO9wAflHfnrSoHQ8N8o7U1ITRbLKetFViTnrRVcwWMmKTkjNPdguDVJyUnIHerJ/1e3N
 cpqB/ec9MU+M4NNCMVAHT1qRlKqD3oGODEniqOrsxs2RR97iriAgZ9arXbgFCwJAYcCk9i6fxI4
 TTrOKLxTeDGQqr19SMmtzTILexSSw1BEWHzC0Mr8IVPOM9iM4rLvbSfTfFLzOP3VzGGBHTI4/lX
 QW90txEEZ8KeoHeob1N0tS2nhPSJf3iXCEHnCy5H86mksdF0qIvJdwRKB1ZxWRdWWlW6GQ28TOf
 VRWdBa2zXcU81pGlqpy4CAZ+vtVXRVmX9HtYdc8Rrfxk/Y7XK24cYLt3fHp2H513HirSY9V0FrU
 9CvDDqrDkH865iPxNpSXsZgeIRgbcJgba6K48Q6dFaSO842gd+KVx2RyOjX1hcWwstUkS3vov3b
 iThXx/EpPHNXbnwxp9wPMivUTvlZRj9eKdqOqaXr+lm2hiL3IHyP5RBH4kdKwIYFtJAlzAhHQMU
 GadxWNWPStOtD8+qCVh/BGwcn8F5q3p2kv5lxfSo8ZmIEcch+YIo4z7kknHvT7W5W3QeTMVTrs7
 VPPqYaP7wDYqW+wmu5x3jBIY7rTXcgKs2H47ZGf5VtJZgi2uYRwQM8d+KxNWZb3xDpkMiF4y7Fg
 PT1rtLCz8krbuMYbdjrgdqdrpImMkrs04QREpxjin9T0qTFIBXSkcTZG3I6kU1V2knkk+tSt0pM
 U7CG4pccUooJpgRHerdQV9MUVJjPfFFAGHIhaQHsKlXBXOPagghuvFPOFi6VhY0ERgD7VK2DjNU
 1Y7sVOWyPpSGSscDaKozBjzjODkVMHBkxmopSQfak3oNaMx9eVbi3ilEo3RsPl+vFZKF4c7TXSy
 QpPE6Pj5lIzjpXMiQq5hkGHQ7WzWZspXGTXDxOJ5ySnUY5FaEGordW2MAxnpUUTxlfLZQyjt7VP
 NoOnXH71YQCeQVOP5U7otXbKLWSM5I2jPYgU9bNS482UlF5AZiRSyaLbRji3kYeoY0kGm2xfL2l
 w56fNITVpj5V3Nazkgs/mXAP1zWfqmtwTMYi6h+wq7HoVlMh32eB05qydD020tfktYwxHYCk2mJ
 prYy7XzfJVwflPSrKRvuJYnAGc9jSieJSEBwijikuLtQNqmpsTJk+nLGL+OR2VdufmPauphbzJf
 M6gDAOMZrmtCIe+GRn5Sa6fOCNtaQjrcxnLTlLXUU00AnHFIa6DAaTzS85pp60oINJALg0dKXcA
 OtMLVQgZsdKKjbkYzRU3KKGMrzS4yh4oP3cChGBXBPSsyiuVIfI6UrHCdal4Ix3qORDtxWbKQyJ
 SWz2pJzin26lc5qO5yG6UnsNEQ5rH1jTWnBurYfvlHzqP4x/jWtu45p2R1qSkcGt9sYPkjHWun0
 nVbd4wJCCvoeK5rXLP7JqcgC4jk+dfx/8Ar1RQNGcxyFT6dqdrlqTR6fHqWnJHkohHuKbDr2lPM
 Y0jjz9BxXnIuLnH+sX8BTB5oYuHGT7VVivaM9Rk1GxxkBR+Nc9q2tQ87HyeigVx0lxcHjzSB7VA
 CQ24ks3qaXKJzubbXWBnccmlgbc25v8A9dZUW92UYLEnAA6muwtNMs9Ask1bxM3kx9YLEf6yY+4
 7D/Jq4wctjOU1FampZW6aNoH9uX7GGF3VFGOcE4zXQRMkiK6EMjAEMOQR61414q8X6h4qu1aXEN
 pGcQ2yfdQe/qfet/wR4r+yiPTNRfEHSGU/wf7J9v5fy6PZWWhz893qem9BTCcmnEgjimc54qLjs
 JklqXrxTtuTml200Ij470jAYqQrTCMmmBGxwpNFEpCRs3oKKkDLkkAQDvQjcjmoZDgjNKD8ykVj
 fU1sOMgWQ81Mrhhyc1BOils45pqZyKm9mOxbVcg4qKZCfpU0a/KRTHQqvXimwKJQ5Ip23AGelTS
 qiR7iQoHUk9Kwb7xZo1grK1yJnH8MXzfr0qeVvYdybxDpj3ulm5iTc1ty2Ou09f8AP1ri2XA4HN
 elfDm5m1/Rb6/vFBjuJ2jSPsIwAMfmTXMeKfCt3oUrzQq01kSSsgGSg9G/xraVJqKaFCom7M5s7
 wehpN8hbGAKLOZr+dYIUaSU8BEGSfwrvdG8ASTbZdTYovXyUPP4n/ClCEpbFzlGO5xNvYz3koii
 jeWQ/wAKDJrrNJ+G9/dlXvZFtY/7v3n/AMBXpOnaTZ6bAI7aBIl/2R1+vrXK+N/HsWgI2nacVl1
 NhyeqwA9z6n0H5++8aSXmcsqzexU1a/8ADnw8h8u0t1u9YZfkDncV92P8I9h1/WvKNV1S+1u/e9
 1CdpZn9eij0A7CoJ3nuLl7q4laWSVsyO5yST3NPSEtjNdEY2M2yvnso5qeJSgLyHAAzU6wgcKOa
 guiM+UOQvX3PpVWEdHo3jzVreKOEMk0MfyhZV5x9RzXdaR410u+xHdE2cx/56HKH/gX+OK8ltYd
 g4q1t/OodJMrmaPeo9kkYdGVkPIKnINPK4GBXh9hqd/pz77S6lh9lbg/UdDXWaf8RLqMBNQtkmH
 9+M7W/Lof0qHTaDmuegOeMYqBgc1m2PizRtQIVboQyH+CcbP16frWt8rAMpBU9CKhruWitMMoR6
 0VJIABRUPcZhzRDzevFEK/McU/gsSealiUA8Diue2psEkeMk81AuOp496y9c8V2WmB4oyLi4HGx
 TwPqa8/1LX9Q1EkTTsIz0jThR/jWsaMpa9CHNI9HvPFOkacMS3SvIP4IvmP+FcrqnxCkkBTT7UR
 j/npKcn8hx/OuLY1GxxW6oxW5m5tlnUNX1HUmzdXckg/uk4Ufh0rFuXdnWCFWeRzjCjJNXG3HAU
 FnYhVUdyegr1Lwd4St9LhS5uEje6cbpZGGdo6kD0GK0jT5tFsS5W3H6f4kfwf4R0rQbOJf7UeDz
 ZmkGRDuJbkd256f/qrl7+a91GXzNRu5JpCC+9mJXHsPrxgcjn0qa71S1m1W4vLoblumJhBBAwvb
 OMKc9/QntzWZqWqAlo4pg6Z+SVegIyM4Hf75I75zW0YxSMm22OtNQm8P3ov7OQRXUQxjqsgz0bp
 kHqD6L617B4K8eaX4sQW+5bfUVGTAxx5g/vJ6/TqP1rw210jUdbuNsERLqdrMfuqOnJ9sDA9K6G
 Xw/ZeFo1cs8upSjdG33fK/wBoAcj2NTKPNtoVoemePPGi6BC2n6eyvqci8nqIAe59/Qfj9fGRG8
 sjSyuzyOSzMxyWJ7k1afzLiZ5ppGkldizu5yWJ7k04JRGNhXK5h+XHrUDw3vm+WksaRAcNtyx/p
 WiF5ptwyQxAuTuP3QOpqmgTM97OZVy1/OPZdo/pRBBzyWb3bkmpAGmbB6VfjhCL0oSC5Gse0UY9
 KkYAnFASqER7acFzUypT9gNKwXKwBq1bX97ZNm2uZovZHIH5U1tqDpz6VAzH0JPoKHFMLnUWPji
 /gIS8RLlO5xtb8xx+lFcfI03YKoorP2cR87PWY48MQTzXK+MfETWhGmWcm2VhmZ16gdhXU7tpL5
 wOua8d1G8N9ql3dnOJJCwz6dv0rioRUnqdVR2RGzdz1qMnNICW57U9Uzz2FdpzkTHFRhdxpz8tW
 v4a0k6vrlraYJR3G/H90df8PxpWux3sjofB3gWTUJYNUupRHEPmij25P1rrfGd6mnWSaXaMq3N0
 uGOR8kfTnPqePpmu3uX07w3ocl3OAkFvHnA6n0A9z0rxO71CfWtVnv7wktKd3lJzsTjAHQDAyM5
 /xq6bUnZbGUr7sfPLI6qI4jK+F2bmKrjIxjPJxlR8qrjccdKw/wCyZ768i80qrSyLyBtZidvc89
 x6d+a6pc+U291RX6lP4jk55HLZ+b/x2p/D0dtbaut9dkx29qhnkYkDJGQMDqfmJGPp1raSW7JTt
 sdtdx6P4J0DzxApk+7BEerv/nkmvJru6uNSvZbu6cvNK25j/Qe1XfEGvXHiLVWupcrEvywxZ4Rf
 8fU1QXpWKT3ZYbQBSY5pfrUM9wIgEVd0rfdX+p9qoBZZ1gxxudvuqP8APSqux5HLyHc57/0FOSI
 5LMdzt95v89qsxx0bgLBCAMmppOBTlGOgocZHNMRDjP1pRxSHik3cUDJA4pHmCL6nsKgZuvNV2k
 JbJNAWJZbjYCc5Pc1Se9WT920rR+4qQujHDGh7SGcdvqKTuMqtps0ozFdFwfeinmymtzuhkP0oq
 eUd2ewXxCaZdOeNsLn9DXisalzjt3r1XxnefZPDFztOGmIiH4nn9M15hbKPLGa5MOtGzeqyRIs8
 ngUkrAJgVI7dh0qvKegrpZiRAZNetfCfQsCTVZV6/JHkdh1P515dYWr3l5DbxjLyuEX6k4r36W4
 tvB3g9pgoxbxBY1/vv0A/P+tJ6RJk+hxfxM8QtfaumjwOfs9ph5ipIzJ/9YH8ya5iyQhRtKqQdx
 dwOvHODnGeDnrweKzRJJcTSXFwxeWRzISeMsecnng5z/Sti2AGAxDFTnYBgLzxnoF54zycNXRSj
 yqxEmX49u9GUkswBDyZyR2POWbGB0A+4RWFd3jXDGONisHB24wCQMD9PUn9am1LUJB/o0UhQEZl
 CDbkkdDjk8c8+prOQ0TetgiupKuAKfyKavNR3Fz5OEQb5m+6n9T7VBQtxP5QCIu6Zvur/U+1Mhg
 KZZiWkblmPf8A+tRDAUy7tulb7zf0HtU+PSgBFWpVOKjAwKN2BTAnBwaC2agD4o8ygQ5zULHBpx
 fvUDvigY2WTA+tQGUHvSMfMJI5HSoyintg0hj/AJG605YyOUaotuO9PVyKALUchGA1FRCQYyaKB
 G/8R9Rz9ksVPIzK4/Qf1rlI22xA+3FTeL7z7Z4nvGz8qN5a/wDAeP55qCMdBjgCuWirRN57j1Jb
 mopDljVnopPtVNm+atWQjvfhno4vdZN9IMx2oyM93OQPyGf0rQ+Jus/bNUt9GhbMdqPMlGRguRx
 nPop/U1N8OL6HTvC2q3c2AkDmRj7Ben6VwzXEl9cT3tzlnuHaQqP4s5Jx7D9MfhWkY3sZdbksI2
 8q5Re8nI9eQccc/ie2BVi4uvsluwQCNuQg2jcD34ydv8+BUMZwxZ8MwzgZ45HqfUevNZ93dNcXH
 390acJxtGPXHbNat2QJXYquW5JyT1zUqNVZW96JJym1IxulboPT3PtWRVizLdGMiONd8zfdX09z
 7U+C28kl3bfM33nP8h7VFbwiDncWkY5Zz3NWC5IJADY45NLmS3HbsS00uB3qjJduhwVH4GmC7B6
 ofwb/AOtR7RBysvGWk3etVVnDdiP+BCn7s4yT+Q/xp8yFysnLU0vUO9t2ACfwpvn8kMrKR696Lo
 LD2kx3qvLNhSc1HLcLzVC4uBjAPU0OQ0jRtmBG0nmpJUZORyKoK5jcEGtBT5yZU8+lCBkO8Ggkd
 qjlQoaYHwKAJHftRUW7vRSAq3chuNWmc9XmZvzOa0YwFA5oorKnsaz3GTzBV2iqxPzCiiqZJtw6
 wbfw1PpMZ/eXlwjMP9hck/rtpqMEQAMNxxljjjrjHr6cdPc0UVvDYyYlzcmG22Rnbv4PckdTz/k
 81RUUUUpblLYJZhCuep6ADuafbIUBkcgyNyx9Paiio6j6FgyqflJ/EU7eg+6zHPqo/wAaKKJRQ0
 V5E3HOf0zUezHUN/3yaKKjlQxymMdWAqdJY8/3vpRRSAsIyE4GOelUL2UCZuenFFFUIzZZhis+a
 XPI9aKKzmXE01fzI1NTRTtAwPaiitVsQaKmK8j4IDVQuYnhYqQfrRRVS2J6lYMQaKKKgo//2Q==
 
END:VCARD
