Ravi had always wanted to start his own business. He dreamed of financial independence but also wanted a safe, guided approach. One evening, while scrolling through opportunities, he came across Kewal Ahuja SGF, a vegetarian food franchise that promised ₹37,500 per month through the FOCO model — Franchise Owned, Company Operated. “Invest once, relax, and let the company manage everything,” the brochure said. Ravi felt a rush of hope. Could this finally be the secure path to his dreams? The Lure of the FOCO Model At first, the idea seemed perfect. SGF marketed itself as a well-established brand, handling staffing,