Restructuring effort as positive for Polaris being separate entity: The demerger of the product business is a decisive step that the managementtook to unlock the potential of the company to respond to emerging opportunities in Financial Technologies. The company realized that the opportunities in services and product businesses were turning out to be substantially higher. The services business is a predictable growing business with a revenue contribution of around 80 percent over consolidated revenue however the product business generating revenue of over Rs. 5000 mn annually which is around 20 percent of the company's total revenue till FY14.