HDFC Bank
Reviews and Complaints

Dear All,
I joined e-cbop Bank Ltd. on 17/08/06 as Territory Sales Incharge and then later on i was promoted to Customer Relationship Officer on May 24, 2007 & later on there was merger with HDFC BANK LTD. in May 2008 i was promoted to Acquisation Manager and i Resigned on Feb. 2, 2010, but till date i dont have clarification of my F&F settlement amount and also i have not received any LTA claim, and there is no proper reply from related authorities after repeated mails sent to them from my sides.
Kindly do the needful for the said purpose.
EMP. CODE:s8786

Dear Sir,
I have applied 20L home loan and I was sanctioned 17.4L appox, My builder paid processing for sanctioned amount BM Koperkhairene Navi Mumbai HDFC charged another 1533.00, which is no way justified, she was adviced the sales dept, you cannot charge this excess fee, but she donot listen.
Now I requested BM to forward my case to Next authority, she donot respond my mails. This not expected from BM, sure employess under him also do this.I put a complaiint in my account page but I have recived no response after 1 week.I experience in HDFC may be one of bad with Branch.

regards
Ajay

Hi Team,

As you can see from the below emails, I suspect HDFC is unduly extending tenure of the loan and not accounting pre-payment amount properly. There has been no response from the team, despite several reminders. All the communication are seen below. HDFC's pathetic service is known. However as an existing customer, I need details of how and what changes has been made to the Balance Due and Tenure, when payments and prepayment was made.

---------- Forwarded message ----------
From: Venkat Kumaresan
Date: Wed, Dec 1, 2010 at 11:27 AM
Subject: Re: [ID:2732796][REF NO:[protected]] PREPAYMENT OF LOAN - Consumer Board Complaint will be lodged on your POOR SERVICE
To: HDFC CUSTOMERCARE

Dear Team,

Can you please respond to this, before I report this to Consumer Board?

Regards
Venkat

On Wed, Nov 17, 2010 at 10:32 AM, Venkat Kumaresan wrote:
Dear Team,

Can you please respond to this request. 16 days have passed, waiting for ur response.

Thanks
Venkat

On Mon, Nov 15, 2010 at 12:36 PM, Venkat Kumaresan wrote:

Dear Team,

Your response is awaited. Can you please respond ?

Thanks
Venkat

On Mon, Nov 1, 2010 at 4:03 PM, Venkat Kumaresan wrote:

Dear Team,

Thanks for the clarification. It helps.

Now, a question.

When I took up the Homeloan for Loan A/c no:[protected], I think I
went in for 12 years as tenure.
The current tenure of 161 months, seems surprising.

Can you please clarify what was the Original tenure and how this got extended?

Thanks
Venkat

On 11/1/10, HDFC CUSTOMERCARE wrote:
> Dear MR VENKAT K,
>
> Thank you for posting your query on website.
>
>
> Query :
>
> Dear Team, I am looking at preclosing 1 of my Home loans, by making a part
> payment. If I make a payment of Rs. 2 lacs, in Dec, what will be the term
> for payment come down to from the current term. You can refer your earlier
> response on the subject (mail below) and reply in the same fashion for each
> of the loan accounts (Loan A/c no:[protected], Loan A/c No:[protected])
>
>
>
> Answer :
>
> Further to your mail pls find below the following details:-
>
> Loan A/c no:[protected] :-
>
> If you prepay Rs.2 lacs towards principal on 1st Dec'10 & continue to pay
> the same emi of Rs.22108/- the balance tenure will be 118 months from the
> current tenure of 148 months.
>
> Loan A/c No:[protected] :-
>
> If you prepay Rs.2 lacs towards principal on 1st Dec'10 & continue to pay
> the same emi of Rs.11981/-, the balance tenure will be 16 months from the
> current tenure of 37 months.
>
> Hope this information helps.For further clarifications pls feel fee to
> contact us.
>
> Regards
>
>
>
>
>
>
>
> Please do not change the subject line. Kindly mention your loan account
> number on all correspondence with HDFC Ltd. for prompt response.
>
> Disclaimer :The information contained herein (including any accompanying
> documents) is confidential and is intended solely for the addressee(s). If
> you have erroneously received this message, please immediately delete it and
> notify the sender. Also, if you are not the intended recipient, you are
> hereby notified that any disclosure, copying, distribution or taking any
> action in reliance on the contents of this message or any accompanying
> document is strictly prohibited and is unlawful. The organisation is not
> responsible for any damage caused by a virus or alteration of the e-mail by
> a third party or otherwise . The contents of this message may not
> necessarily represent the views or policies of Housing Development Finance
> Corporation Limited.
>

--
Thanks and Warm Regards,
Venkat K

--
Thanks and Warm Regards,
Venkat K

--

Thanks and Warm Regards,
Venkat K

--
Thanks and Warm Regards,
Venkat K

--
Thanks and Warm Regards,
Venkat K

on 3rd december about 4.20p.m I am going to hdfc office (jeevandeep buildings middelton square.kolkata, Westbengal)to submit my PDC for my home loan I have taken in December 2003.Every year I am going to submit my PDC after 4 p.m.but this year it is said that I can not submit my PDC as time was over.when I asked the reason they said the office time was changed.And it is also said that said no PDC will further taken as bank 's standing instruction is the mode of payment must be in ECS scheme.The receptionist sentto some pravakar das about the ecs scheme .I am going to this person and requested to recevied the PDC where he refused to do so which was quiet natural.then I tell him that I don't know the changing of office hours and asked to give me the ECS form.when he give me the forms I asked the criteria about ECS scheme he rudely tell me to consult the maneger about all the quaries for time changing matters and ECS scheme.I was shocked but he was refused to speak a word to me .I am really shcked with his behevior.I think I am not one of the valued customer as they said.I do not want to harm anybody but only want the clarification wheather the HDFC only option about the mode of payment is ECS and wheather PDC can not taken at about 4.30 p.m.

Hi all,
Recently I had approached for home loan with HDFC Ltd. A customer care executive by name Basavaraj Hiremath (Mobile Number: [protected] )from HDFC contacted me for submitting the documents etc.. Till I submit all the documents he was very smooth during his talks. He gives many false promises before submission of the documents. He tells he will get in touch till the end of loan disbursement, loan take over if any etc... But Once I submitted the documents he was least bothered about my application status. He said I will get to know the status before him.
Also this guy demands for money citing various reasons like franking for the documents to be done, estamp has to be purchases through DD only (Infact we can purchase estamp directly through cash).
I found him such a dangerous guy and after few days I stopped all transactions with him and I directly approached HDFC officers for loan procedures.
Keep away from this guy and becareful for your dealings.

regards,

Dear sir, I got a call from HDFC Bank - chennai, stating that, i am eligible for a car loan that too pre approved loan amount of 3.65 Lacs. so i agreed to submit my documents, one of your executive Mr. Iyyappan (Mobile No-[protected]) came and collected the documents, he said that, Rs.3.65 lacs already approved, if you need extra money, you have to produce some additonal documents, i have agreed to produce the documents, but till date he has not turned up to me, i think he is expecting some extra money(as a serivce commission ) from me . i need solution immediately.

P.Senthil Kumar
[protected]
Maild id.[protected]@yahoo.co.in

I got housing Loan in HDFC Home loan division on 7.7.2008 at a interest rate of 10.25.Then it goes to 11.25 and now I am in a interest rate of 10.75.Whenevere there is a hike in interest percentage i will receive a letter from Bank stating the interest rate increment and the increased EMI amount due to RBI interest rate point increament.I saw advertisement of SBI about 8% interest rate for 2 years and I want to change my loan to SBI bank.One day I called to Loan dept. of HDFC home loan division of Pondicherry branch for my proposal of changing loan to SBI A/C. They told that this option is also available in HDFC.Then I asked ' you are informing about the increased interest percentage but why should you have not informed this offer to me ? They replied " you only should make call to the loan dept. onece in a month to know about thesse kinds of Dear HDFC bank customers, Pl. think about it. Don't we have any work to make monthly a call to Bank. They only should inform us .they will not inform to you because it is a loss to Bank.my kind request to all people who are all reading this blogs is 'Pl. don't go HDFC bank for any reason, It is a worst, Cheating bank.Eventhough there is a laps in systems in Nationised Bank like SBI, Indian Bank& Punjab Sind bank it is better to make dealings with these banks.this is not the one to make me to bluff like this .many more is there.Spread this message to all.

Hi!
Sir/mam
I stephen danial salve residing at kaveri complex opp. Jindal bhavan kalas alandi road pune 411015, had purchased a two wheeler tvs apache 150 reg no. Mh12 dk 9279 in the year 2006 and had availed finance from hdfc two wheeler finance. At the time of documentation I had given them hdfc bank checks for the ecs formality. Everything was fine till the time I got an opportunity in another company. I went to the bank and told them hence forward please don’t debit my hdfc account for the two wheeler payment as my salary account has been changed to the other bank. They asked me to pay rs. 500 to change the ecs to other bank I paid the requested amount as specified by the person from the bank at bhandarkar road branch. But things didn’t change they still continued to debit my hdfc account and because of that the account started getting the bounce charges and unfortunately I had to close the account. After that the recovery agents started coming to collect the instalments from me. It continued for a year and suddenly stopped no one came to collect the money from me. After a span of 6 months some recovery agents along with the bank officials came to my house and said that they have come to take the bike as I have not paid the instalments. I spoke to the bank officials what had happened they gave me weeks time to pay the remaining balance of rs. 21, 000/-. Unfortunately my company shut down and I was jobless at that time. I requested for some discounts he agreed on rs. 18, 000 he told me that he will give me a bill of rs. 15, 000 and the remaining 3000 has to be paid to the seniors will take care of the closing formalities. They told me I will receive a letter after a week stating the closure of the loan. After almost 6 months a recovery agent came to my house for the instalment. I told him that I have already paid the settlement amount and waiting for the letter I even showed him the receipt which says full and final. He went back on 17th november I find my bike missing from the parking of the building. I lodge a complaint with vishrantwadi police station. And on 18th I receive a call from the recovery guy that they have taken my bike for non payment of instalments. Please help me in this regard my father has gone in a shock because of this and is not eating food for last 2 days. It never happened in his life like what happened now. I know that you can get the right justice for me. Please help me!

Reminder-III
The Chairman & Managing Director
H. D. F. C. Bank Limited
Kunjpura Road,
Karnal-132 001

Sub.: Complaint towards Change in R.O.I. under the Home Loan A/C No.78-LA-[protected] Dated 01-10-05 in the name of Bimla Devi Singla & Vijay Kumar Singla

Kind Attn.: Mr. Deepak Parekh, Chairman & Mr.Aditya Puri, Managing Director

Reference to the above, we again wish to inform you that the Bank of Punjab Limited have been sanctioned a Home Loan for a sum of Rs.9, 35, 000.00 (Rs. Nine Lacs Thirty Five Thousands Only) towards purchase of Home & Renovation on 7.75% P.A. R.O.I. (Variable). Now, we got surprise, when we come across the “Certificate for Interest for claiming under Section 80C & 24(b) of Income Tax Act, 1961” issued by you (Copy of Sanction Letter Enclosed), that you are charging 13% P.A. R.O.I. (Variable). However, you are still offering the Home Loan @8.25% P.A. R.O.I. (Variable) to new Client. By using this type of practice, you are clearly breaching the guidelines of R.B.I. and please explain and clarify us that how you can offer the less rate of interest to the New Client, whether your P.L.R. is less than 13%. If you can offer less rate of interest to New Clients, then why not us? You are playing unfair practice with us to charge the High Rate of Interest without any intimation and you must be reversed the difference of Higher Interest and credited the same to our principal account without any further delay, failing which i shall initiate action. As on date our account is regular and we are paying the installment regularly and honestly. It's a two way loot of the existing HDFC Home Loan customers i.e. either they keep on paying the high interest rates or pay illegal ransom in form of Prepayment penalty for shifting to better. You are taking us for a ride as you are treating old bop customers as step children i think all the old bop customers file a PIL against you, or do something so that this coercion should be stopped and we Pray God Almighty to put some brakes on your free run to Cheating customers charging High ROI. My Sincere Advise to ALL homes Loan Seekers Please read the Fine print and Think twice approaching this Private Sector Bank. Because, we think this way our Loan will never end till we die.
Further, you are requested to look in to the matter; otherwise, we have to file a complaint with Banking Ombudsman and Consumer Court for the same. Hope you will take up the matter on the priority basis and expedite the same.
If you require any assistance, we shall be pleased to serve you as we are just a phone call away.
Thanking you,
Yours truly,

Bimla Devi Singla & Vijay Kumar Singla
R/o House No.614-15, M.C. No.2152,
Bhagat Mandi, Market Committee Road,
Karnal-132 001 (Haryana)
R.Phone:[protected] & M.No.[protected]

Encl.: As Above

C/C : The Regional Manager
H.D.F.C. Bank Limited
HDFC Bank House, Senapati Bapat Marg,
Lower Parel (West), Mumbai-400 013
Phone No.022-[protected]

Dear sir, I regret to state that today [06/11/2010] I got your message that I have to pay rs.2480.35 before24/11/2010. This is rediculous as I have neither purchased anything nor I authorised any to purchase or deduct any charges & debit to my account. This has been going on for the past several months. So I request you to please cacel my card with immediat effect & let me know who is misusing my card. Kindly send me sms on9869004533. & email me on [protected]@gmail. com thanking you & obliege. Credit card no5176 [protected]

Thus is something related to Personal Loan i applied a month back as this is one of the horrible experience with HDFC Bank as its one of the leading bank. I will tell each and every situation abt wat had happen.
I applied for personal loan and a guy named Ramesh came at my house for collecting loan docs as i gave all the required docs. He told me after submitting the docs it will take a week time for all the formalities to be completed. After 2 days as guy name Pradeep came to my house for verification as i was not at home at that time..he strait away asked for 5000 rupees as to complete the verification as i shocked to hear while he talking to me on phone..After telling that i m nt able to pay that amnt he told me than we are not sure abt the loan pass or not as i required for my fathers treatment which is very urgent for me...
I gave him 3500 rupees for that and he put my file to loan deptt and pass the verification. Now after 3 days i recd another call from girl named Priya from your bank as she demands for 5000 rupees again as she told me the reason as i m working in a BPO and my salary is not more than 25000 so she needs that amnt to clear my loan and again i refuse to pay that amnt. But as its very urgern for me get that loan pass i agree to pay 4000 rupees which i told to that girl that rest 1000 i will pay after my loan get clear...
And later on i came to know that girl name Priya who ask for that amnt is no longer working in HDFC bank and guy named Ramesh also left that company .
And as me the poor guy lend that money to gave the money to your people and did not get the money back and even my file also rejected...
This is the worst experience that i had with you guys and now i m calling to those people and the guy Ramesh but nobody is picking up my phone...

So requesting if you are capable enough to look into this matter i will be very thankful to you and help me to return my money or else i will to go some senior person if you guys are not able to help me..
I can provide you the numbers of those people if you want...

Thank You
Honey Narula
[protected]

Kindly reply me on my mail id which is [protected]@yahoo.co.in or call me on this number any time.
very thankful to you if you look into this matter..

Hi,

this is my another complaint against hdfc bank credit card division. I request you to please refund my amount of 21000 immediately, which you have debited from my new salary account towards credit card number [protected]. As it is very urgent for me i am jobless and has to take care of my mother as she is suffering from cyst, sinus and hyperthyroid. its very urgent for me to get my amount back. its a matter of life for me and for my family.

I can see hdfc is doing same thing others also. Accept this its bank fault. they have never listened to me. when i was there to me settlement and finally they have placed hold my account debited all the funds in it.

The amount has been debited from my savings account to their credit card account without any prior intimation to me. Please help me to recover my money as i dont have anything with me except for that money. Also help me to get a fair settlement and compensation from the bank for the trauma i have gone thru because of no money in my account.

If my mother's health and condition got affected because of this issue, HUMAN RIGHTS, I ll have to report to HUMAN RIGHTS COMMISSION, CONSUMER PROTECTION ACT, RBI & I ll have to give add in DAILY NEWS PAPER regarding this issue.

Dear Sir, Being ONE OF THE WORLD'S BEST BANK-HDFC, Kindly do the need full.

Drishty Maan
[protected]

Hi,

This is Drishty Maan. I have also faced cruel and rude behaviour of hdfc credit card depatment. I was using credit card in 2009. and i lost my card and informed the same to the bank and asked to issue new card to me. and they didnt issued new card however they started applying charges on me. and didnt gave any information about the new card. also no body has contacted me. In july 2010 i opened new account in hdfc bank and once my salary got credited into the account they placed hold on my account without giving me any intimation. i approached the bank and i shared my problem that i am the only one in my family who is earning and married too also taking care of medical of my brother and mother and both houses. i shoed all supported documents to them but the manager named Ms. ruby anand was very rude with me. not listend to me and after requesting her she gave me the address of her baranch which is in jankpuri. and then she abused me and made me embarrased in public. i also sent online complaint to banking ombudsman and to senior of hdfc bank and they also shouted on me and didnt gave me any resolution. as they told me to make the payment in 15 days as my account was on hold i tried everything. i also requested to them to please release small amount for me as it is very urgent for me but they didnt listened to me. and the day my amount got debited i called manager again to do something for me and she again denied and spaeking rudely to me. everytime i was saying i am ready to make settlement of the amount but they were not agreeing on that. and harassing me. and the bank manger is saying that your account will remain on hold, any amount in this account will be debited towards the card payment. i am in big pain its very urgent for me please help me. i have also menytioned that the terms and policies of card were never discussed as card was offered to me by bank. and i never chosed option of connecting my account to credit card...its a matter of life and death for me. pls help me so that bank can relase few funds of mine and ready to made settlement for me.

Sir,
I am surender baisoya, I open my account 25 days ago from branch of sarojini nagar market {new delhi}110023. But I not received my cheque book, debit card and passbook yet. I just go there so many times also but the staff of bank not give any response of my complaint. I think government banks are more active than this {hdfc} bank. And they also telling lie that they sended me those welcome kits{cheque book and debit card} already.. But the truth is I didnt' get any thing yet.

Dear sir iam not ussing my net banking sofor so kindly issue me a new posword and user id thanking you k.chokkalingam

Dear sir,
my name is m. vetrivelan. my hdfc credit card number is [protected]. I have salary account in hdfc. I got settlement letter for rs.10600 for my hdfc credit card payment, due to my financial situation. but without my cheques & cheque numbers, hdfc have given the cheque numbers on their own in the settlement letter. hdfc person came & collected first two month dues from the settlement. after that he did not come. his contact number was switched off. but I am keep trying. from (30/7/10) the last twenty five days I am trying for the call back, settlement, spoken to miss. prabavathi, mr. sanjay, mr. prabhu of hdfc, chennai credit card department (daily calling them through phone). but I did not get the settlement letter again. "based on my july month salary rs.29423, I have arranged angioplasty surgery for my mother. but hdfc debited my salary amount rs.29423.42 without informing me from my salary account. so the surgery has been postponed on 30/8/10. she is in iccu now. I need my amount urgently for the sugery". now also I am ready for the settlement. my cell no-[protected], [protected]. kindly credit my amount rs.29423.42 immediately.
if the surgery affected because of this issue, being a member of human rights commission, I ll have to report to human rights commission, consumer protection act, rbi & I ll have to give add in daily news paper regarding this issue. dear sir, being one of the world's best bank-hdfc, kindly do the need full.
please find attached your settlement letter with fake cheque numbers given by you.
"now also I am ready for the settlement".
thanking you.

Regards,

M. vetrivelan.
Member of human rights commission,
Chennai.

Bonus Demand Draft not given in time
Respected Sir,
I, Miss Paulomi Dasgupta is an ex employee of HDFC Phonebanking.
Through this letter I desire to draw your attention to the unfairness done to me, or may be a lot many people.
I joined HDFC Phonebanking on September 2007 and continued till April 2009.

Sir, on February 8th 2010, I got a call from Mr. Menon ( HR – ADFC Kolkata) that a DD (bonus)of amount Rs5, 064 is lying for me at his office. I was pleasantly surprised and visited his office on 12th February 2010 at the evening straight from my school. I was told that my Phone number was not available and thats why Mr Menon had to take the number from HDFC Phonebanking unit. I came back and to my utter dismay found the date of issue of the DD was 12/8/2009.That implies that I received a stale DD. I called up Mr Menon and conveyed the same . Firstly he was trying to state that nothing can be done. I asked whether I can help myself by writing a letter to the authorities concerned, then he said he will do the needful – but I need to submit the DD to him. As advised, my father went to Bank House and gave the DD to Mr Menon. My father asked again whether any attching letter is required. To this Mr Menon said that being the HR, he will initiate the matter and inform me when the renewed DD comes . As per his instructions my father wrote my phone number again and gave it to him.
Later, he called him up on the first week of March 2010 to which Mr Menon said that no revert has come. I thaught of not calling him every month, believing this time Mr Menon would inform us in due time.
On June 26th 2010, I again called up regarding the DD. Mr Menon in response to my inquiry started accusing me for the delay I made to enquire about the same. He stated that I made a delay of one year then reduced it to six months. When asked what was the result he stated that he is not bound to report to me and even suddenly started saying that I am using abusive language ( to which I totally differ as I continuously addressed him as Sir and I used professional language ). Moreover, it is not my fault and that is why I should expect the money.
Sir, now as I am thinking decisively about the whole matter, I found out some crucial flaws from the part of our HR.
1. My phone number though not updated in the database (as conveyed by Mr Menon) is always easily available from HDFC Phonebanking unit from my supervisors and fellow collogues. The day Mr Menon called HDFC Phonebanking unit he received the number from my supervisors. Thus the question is Why did Mr Menon wait till February 2010 from August 2009 to enquire about my number ?
2. When my father visited Mr Menon to submit the DD he assured that being the HR he would look into the matter and showed him a thick bunch of such DDs. My question is Why was Mr Menon not having the phone numbers of all these people?
In this third world country, is it convincing to accept that ex employees are not interested or made great delay to take the hard earned money from HDFC ?
Sir, you can easily enquire how many bonus DDs returned from Kolkata. Moreover, it is not our fault that the phone numbers were not there with Mr Menon. So why should I be denied any assistance from ADFC HR ?

3. Is it informed that my DD needs to be reissued or it was stated that I was not present to accept the same ? Please enquire whether Mr Menon actually initiated the process as committed?
4. Sir, I got The Certificate of Excellence for the period of Oct 2008 –Dec 2008, and you can surely enquire about my behaviour in my stay in office. Mr Menon is just diverting my query about my DD by telling I do not have any authority to ask for any feedback from him. When Information Act enables Indians the Right To Information how I am denied of knowing about my own due ?
5. I acknowledge the fact that I was a ADFC staff working for your renowned bank, but I feel I need to inform this injustice to you- someone needs to take the ownership of the problem and try to resolve it . Before this day, I did not understand that I can be misled by Mr Menon and till now have no personal grudges against him. My unit(HDFC Phonebanking) took care of all my requirements and I got the best supervisors, thus never required Mr Menon, so never actually understood his working nature.

HDFC Phonebanking was my first job and the most important learning phase of my life. It thaught me punctuality professional etiquettes and most importantly the obligation to take ownership to the problems of HDFC customers. This is even assisting me in my present job as a senior secondary teacher of K.E Carmel School. I deeply believe this organization will always be fair and just with me.
Hope I have conveyed the actual scenario to you. It will be greatly content if I receive a feedback from your side at the earliest.I am ready to scan the Xerox copy of the DD that I have reserved for future requirement.

Yours faithfully
Paulomi Dasgupta
[protected]/[protected]

Dear sir/mam,

To,
Hr manager,
Hdfc bank ltd.
I have tender my resignation letter for better career prospects. During the service, I got beneficial support from colleagues, seniors and others in the organization. I due respect the fruitful relations I enjoyed with this esteemed organization. The memories of my tenure with this organization will be treasured forever.
I have given my resignation letter on 4 march 20010, after the working hours. Please clear all my dues i. E full and final settlement.
But till date my f /f & pf amount dues is not clear. I have already submitted f&f form on 4 june 2010. I am again sending my details for your ready references.
Name: - gajanan dorak
Designation: insurance coex.
Employee code:- 72854
Location:-laxmi road branch, pune

I therefore request you to send me status.
Waiting for your favorable reply.
This is for your information and necessary action please.

Regards
Gajanan dorak
[protected]
Email - [protected]@live.com

Hdfc bank,
K. G. Marg, new delhi.

Sub: faulty atm transaction & ndash; atm debit card no. [protected], a/c no. [protected].

Sir,

I am an account holder in your bank. Yesterday 02/08/2010 at 19:31:50 hrs, using my atm card at syndicate bank’s atm at i. P. Estate, ito branch the amount of rs. 4500 / - had been deducted from my account but the machine did not dispensed the cash. I have lodged a complain at your customer care and the complaint no. Is 105260. Request you to please check and correct the fault.

Kindly do the needful asap.

Yours faithfully,
Manoj singh negi
Contact no. [protected].