The document discusses opportunities and challenges for using mobile phones to deliver vernacular SMS and mobile value-added services (MVAS) in India. It outlines how increasing mobile penetration has impacted economic growth and how VAS can further drive innovation and rural applications. Key challenges include establishing standards across operators, devices and applications; font rendering; keypad design; backward compatibility; and regulatory approval. Solutions proposed include developing locking and single shift tables for Indic languages, predictive text entry, and converting between encoding schemes. Widespread vernacular SMS could enable affordable access to information and services.