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ICICI Bank Complaints & Reviews

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Updated: Dec 13, 2025
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ICICI Bank reviews & complaints page 734

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N
Nantu Das
from Port Blair, Andaman and Nicobar Islands
Feb 28, 2017
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Address: Kamrup Metropolitan, Assam, 781009

My ICICI ATM Card was valid from 07/04 valid thru 01/17 my card no. is [protected] my savings bank account branch is Bhangagarh Branch, Guwahati and my account no. is[protected]. So, renewal another one. I am facing so many problem.

Sir,
I have received my ATM card new one. Thanks a lot.

With regards
Nantu Das
Fatashil G.S. Colony.
Guwahati-781009.
H. No.65
M. No. [protected]
22/02/2017
ICICI Bank customer support has been notified about the posted complaint.
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    K
    keshavsinha99
    from Bengaluru, Karnataka
    Feb 22, 2017
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    Hi

    Fully amount not dispatched but balance get deducted

    I am a customer of hdfc (A/c-[protected]).

    On 21/02/2017 around 17:45 hrs i had used icici bank atm (Atm id-stchb372) in hsr bangalore for money withdrawal of 500rs but only 400rs is dispatched from the atm

    I didn't get the money in my hdfc account was debited.

    Please investigate and get it credited back to my hdfc account asap.

    Please check the issue

    Warm regards
    Keshav kumar
    ICICI Bank customer support has been notified about the posted complaint.
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      A
      alplcreditcard sections
      Feb 22, 2017
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      Address: Hyderabad, Andhra Pradesh, 500007

      Hello,

      We regret to inform you that, the present “VARA Enterprises” and the then company “3i infotech”, “Vikarta Enterprises Pvt. Ltd.” and have been harassing BPO employees of ALPL & Credit Card Section working for ICICI, ICICI Building, Nanakramguda, Hyderabad in many ways and treating as working machines. Here no one is taking care of the employee’s welfare. So we would like to notice some of the major issues which we have been facing to get rid of the problems of employees and indirectly to give better service to the company wholeheartedly.
      The list of issues is shown below.
      1) Salaries are not exactly as per the offer letter. Seniority is not considering. There is no bonus for seniors working here even submitted related previous experience at the time of joining.
      2) No week offs / holidays / festivals. Treating all days are working and forcing us to attend daily even we are not healthy even getting chorionic diseases, no emergency leaves / medical leaves / permissions are not accepting in any way.
      3) PF account numbers are not given to the employees. Getting very difficult to know our balance in PF A/c.
      4) ESI Cards are useless as they are not assigned to the concerned dispensary address to avail the facility.
      5) No permission for participation in cultural events / competitions at this office.
      6) The Manager (Ram Mohan & Chiranjeevi), Assistant Manager, Satish (TL) and the staff are absolutely unfit & unfriendly with the employees and using informal language in office even with lady employees.
      7) Giving heavy target which is usually not possible with the employees even 9hrs of time spent. Forcing to spend extra hours to finish the target and definitely it makes difficult to reach the homes to women working employees late nights.
      8) Cabs are not available to all areas, so getting difficult to reach homes every day.
      Forcing to stay at cabin to work without taking lunch, tea & also emergency breaks to finish the target.
      9) No particular week offs & festival holidays. Every day is a working day forcing to work without rest without any extra allowance. So employees are getting chronic diseases due to merciless management actions.
      10) 24 leavers are there per year as they said but coming to practical leaves are not accepting in emergency. Leaves are not accepting even applied prior and proper way.
      Every week target increased. Management is benefiting directly instead of employees for extra work and time spent at office.

      Day by day there is a new rule and new target without integration with employees. We can simply say here violating the employee’s basic rights. If anyone raises hand for justice among employees surely that person will be punished crucially in all ways to leave the company.
      Where is the Ethics, Credibility and Hope? People have belief in ICICI and we are too but it is not now.

      Hence, we beg you to look into the matter seriously to set the management in a possible / with rules in vogue to provide better service by us happily and healthily. We plan to take a move to rise this issue using all electronic & print media, social sites and also with the Govt. too. I hope you understand the situations here and our intention.
      Thanking you Sir / Madam.

      Yours sincerely,
      ALPL & Credit Card Sections,
      ICICI Building, , Hyderabad.
      ICICI Bank customer support has been notified about the posted complaint.
      Feb 22, 2017
      Updated by alplcreditcard sections
      i have escalated this to icici many times but there is no response and intention to solve the problem. Please do favour in this issue.
      Feb 23, 2017
      Updated by alplcreditcard sections
      We regret to inform you that, the present “VARA Enterprises” and the then company “3i infotech”, “Vikarta Enterprises Pvt. Ltd.” and have been harassing BPO employees of ALPL & Credit Card Section working for ICICI, ICICI Building, Nanakramguda, Hyderabad in many ways and treating as working machines. Here no one is taking care of the employee’s welfare. So we would like to notice some of the major issues which we have been facing to get rid of the problems of employees and indirectly to give better service to the company wholeheartedly.
      The list of issues is shown below.
      a. Salaries are not exactly as per the offer letter. Seniority is not considering. There is no bonus for seniors working here even submitted related previous experience at the time of joining.
      b. No week offs / holidays / festivals. Treating all days are working and forcing us to attend daily even we are not healthy even getting chorionic diseases, no emergency leaves / medical leaves / permissions are not accepting in any way.
      c. PF account numbers are not given to the employees. Getting very difficult to know our balance in PF A/c.
      d. ESI Cards are useless as they are not assigned to the concerned dispensary address to avail the facility.
      e. No permission for participation in cultural events / competitions at this office.
      f. The Manager (Ram Mohan & Chiranjeevi), Assistant Manager, Satish (TL) and the staff are absolutely unfit & unfriendly with the employees and using informal language in office even with lady employees.
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        V
        vinnunishu
        from Bengaluru, Karnataka
        Feb 22, 2017
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        Address: Bangalore, Karnataka, 560037
        Website: www.consumercomplaints.in/new_complaint

        Dear sir,
        I'm vandana holding icici savings account for past 3 years. A/c#[protected] in marrathalli bangalore.
        Without any intimation my account has been again and again debited. I have never come across something like this on a monthly basis.
        Please take some action against the bank, if it is not complying rbi standards / guidelines.

        12-01-17 MABChgs-Dec16+Stax 82.21 Dr 630.27

        22-02-17 MABchgs-jan17+stex86.22 Dr 661.01

        Why again nd again my money was deducted for Mab charges...Plz refund my money ..Nd how to close the bank account I m not interested ur bank
        +2 photos
        ICICI Bank customer support has been notified about the posted complaint.
        Feb 22, 2017
        Updated by vinnunishu
        Plz rply soon
        Feb 26, 2017
        Updated by vinnunishu
        Still not resolved my complain.
        Plz rply soon
        Mar 02, 2017
        Updated by vinnunishu
        still not resolved my problem
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          R
          Rabindar Yadav
          from Gadhinglaj, Maharashtra
          Feb 22, 2017
          Resolved
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          Resolved

          Address: Dhanbad, Jharkhand, 828113

          Dear concerned,
          I have closed above mentioned a/c no. 3 years back. I have d mate a/c also linked with these a/c.
          Above a/c was opened in katras (Dhanbad) branch by rupesh bhatt. When i told him to closed my d mate a/c then he suggested me to closed saving a/c. He said by closure of saving a/c, dmate a/c will automatically get closed.in place of these he opened new a/c in the same branch and he as taken 5, 000 cash from me for closure of dmate and saving a/c.
          After few days i have confirmed from rupesh bhatt for the closure of dmate a/c, he told that you don't take any tension your work had been done. But till date it has not been closed and annual free get debited from my new saving a/c.
          In last month on 24th january, 2017 i have again made the compliance for the same to sandeep gupta and rajesh (Branch manager) of kartas branch. They are not ready to listen and they are again demanding for money in cash for the same.
          Please help me out from these situation or else i have to closed my existing saving a/c also from icici bank. I am going to file fir in ploice station for the same.
          Thanks & regards
          Rabindar yadav
          M. No.[protected]
          Feb 28, 2017
          Complaint marked as Resolved 
          Dear Concerned, Still mu problem has not been solved. I had conference call with Netu Madam ( from Mumbai ) and Rajesh ( BM of Katras). As per telephonic discussion they have told me to log in d mate a/c and sell all holding. But when i tried to login I am receiving error as "This bank account is not mapped with any active ICICI Direct Account: At present you are not registered for availing this facility.:In order to avail this faclility you need to register yourself." After that I had telephonic discussion with Mr. Rajesh and I have told him that after holi i will come to Katras Branch for doing all the procedure to close mu saving a/c and d mate a/c. Then Rajesh had told me that you have to visit Dhanbad branch for the same. If my a/c has been opened by Katras branch, so why I should go to other branch . It seems that employee of Katras are not interested to do the job and they just misguiding the customers or from katrash branch has no authority to close these account then katras branch has not authority to open any account also.
          ICICI Bank customer support has been notified about the posted complaint.
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            V
            Vivek Pillai
            from Coimbatore, Tamil Nadu
            Feb 22, 2017
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            Address: 620008
            Website: www.consumercomplaints.in/new_complaint

            This is Vivek Sugumar, I am holding a ICICI Savings bank account for the past 2 years, But i am little unsatisfied with your services, Because I am tried many times to the nearest branch for at least 2 times per day, To change my activate number to my current number which i am using, My branch is in Trichy, K.K.Nagar. Below i am mentioning all my details below, I tired many times with ICICI customer service, but no use in that. If still you people never takes any steps, Then no use in using your online banking service, because the OTP i am not receiving to my current number, Because of this i can't use the online banking since i started my account with ICICI banking, The previous number is not in use, So please take immediate action. And i already registered an complaint regards this in ICICI complaint/suggestion website.

            Account no:[protected]
            IFSC Code: ICIC0001563
            Branch Name: K.K Nagar Tiruchirapalli.
            Address: ICICI BANK LTD., Door no. 371, plm building, Rajaram salai, opp.kk nagar bus terminals, k.k nagar, Tiruchirapalli - 620021, Tiruchirapalli dist., Tamilnadu.
            +1 photos
            ICICI Bank customer support has been notified about the posted complaint.
            Dear sir I have submitted cheaq for emd purpose 18 feb but sir I have no received emdfor till date 21feb 2017 my tender date is closed who is responsible for that

            Regarding my otp number is not registered. - Comment #2665720 - Image #0
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              B
              Bhu68
              Feb 21, 2017
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              Address: Chennai, Tamil Nadu, 600073
              Website: One assist icici

              One assist has automatically activated a plan and deducted rs-1799/- from my saving a/c. Without my permission. I don't need this plan actually. Please deactivate this plan and refund my money asap. Need to take immediate action on this.

              My Icici card number ending 4 digit:8407
              One assist id number: WPP-SR[protected]

              Make sure to deactivate this plan asap, if not.. I will complaint against this in Consumer court .
              Thanks!
              Bhuvaneswari S
              [protected]
              ICICI Bank customer support has been notified about the posted complaint.
              Feb 21, 2017
              Updated by Bhu68
              Please don't ask my icici card number, exp date and cvv number! Getting my fraudulent calls after posting here.

              Can someone tell me whether icici customer service/one assist asks for icici card details like card number, exp date or cvv?

              Thanks
              Bhuvaneswari
              Dear Mrs Bhuvaneshwari,

              Greetings from OneAssist.

              As per our telephonic conversation with our executive you have agreed to continue the services, hence your plan is active with us.

              Should you require any further assistance, please reach us at [protected]@oneassist.in or[protected]

              Regards,

              Deepali

              Team OneAssist
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                R
                rlokineni
                Feb 21, 2017
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                Website: www.icicibank.com

                On 20th Nov 2015 I got an email from ICICI bank when i am going to my office in London, United Kingdom saying that my account is auto debited for an amount of 35, 250.00 for icici credit card bill payment. As far as i remember I have not made any credit card transaction in the month of October. I verified my inbox for emails from ICICI which i get for every transaction and I was surprised to see two emails in my inbox on the date of 24th October 2015. I am not using this card in physical form from almost last 18 months as I am staying in UK. They were used to purchase flight tickets by a travel company in Mumbai.

                I have traveled to India on 20th October 2015 as my mom expired on 19th oct 2015 and I was in shell shock state for next 10 days and was not checking my emails and I missed out this transaction otherwise I would have called ICICI and lodged complaint on same day.

                I spoke to ICICI customer care and lodged complaint and they gave a reference number : SR[protected] and have asked to fill the Cardmember dispute form and send it by scanning the copy. I have also submitted my passport and itenary details as per their request.

                I have blocked my card and I request them to find the person who is behind this fraud. They have asked around 45 to 60 days time to get this resolved. After two months i got an email saying that case is closed because of lack of information. I have contacted ICICI bank and raised the complaint by submitting all the documents again and i got similar closure email after 2 months.

                I have spend so much time speaking to their customer care but it was never resolved. Due to this I have used my credit card for an amount of 10000 and did not pay the bill so that i thought to put pressure on them when they contact me.

                Now i am getting notice from advocate to clear the payment. Here ICICI bank has to pay me 35500 and they are sending notices to me. Me being very well educated and aware of all the process and security related things with respect to banking, if i am in this situation I am scared to imagine what about the people who cant express such issues.

                Its very shameful from ICICI bank to ignore my mails or reply to them by asking to submit the same set of documents which i have submitted numerous times.

                I hope I get justice in this matter. Please feel free to reach me on my email: rajeshwar.[protected]@gmail.com.

                Regards,
                Rajeshwar
                ICICI Bank customer support has been notified about the posted complaint.
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                  N
                  Nitesh Bathla
                  from Delhi, Delhi
                  Feb 22, 2017
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                  Address: Gurgaon, Haryana, 122001
                  Website: www.icicibank.com

                  Hi Team,

                  I am user of ICICI credit card since last 5 years and my most of banking transactions are with this bank but last month I was not able to pay the credit card payment because of my care taker also not submitted my payment to bank and that time I was in my home town for an urgent work so this payment was late, I ensure you that I will pay the next payment on time in future. I don't want the interest charges back but I am requesting you to waive off the late fee Rs. 750. I shall be very thank full to you.

                  Thanks,
                  Nitesh
                  [protected].
                  ICICI Bank customer support has been notified about the posted complaint.
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                    R
                    Ram_Nivas
                    from Mumbai, Maharashtra
                    Feb 21, 2017
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                    Address: 560017

                    I have been an icici account holder since last 1 years and have been using it as a salary account since then. When i tried doing an online transfer transaction, it is giving me an error that the account frozen/blocked. Bank has not given any reasons for it either. There was no communication in this regard. Its been 5 days that I am facing same problem. I also tired many times ICICI bank customer care but not able to communicate eve. single time.
                    Kindly help me out to resolve this problem.

                    Thank you
                    Regards
                    Ram
                    Mob: [protected]
                    ICICI Bank customer support has been notified about the posted complaint.
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                      K
                      kirankumarbv
                      from Bengaluru, Karnataka
                      Feb 21, 2017
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                      Address: 560016

                      Hi,
                      I also got the call from the number [protected] on 27th Jan, saying ther r calling from Visa and took I debit card details and deducted amount Rs. 7999. Please don't believe these guys they are fraud.
                      other numbers involved in fraud are
                      [protected]
                      Still now also the fraudster phone no's are working. They are busy in cheating other guys. Please take necessary action on them.
                      ICICI Bank customer support has been notified about the posted complaint.
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                        G
                        gurupriyasarkar
                        from Mumbai, Maharashtra
                        Feb 21, 2017
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                        Address: Kolkata, West Bengal, 700074

                        I have been trying to reach customer care executive to surrender my credit card and even I have visited the local branch at Park Street to surrender my credit card but regret not yet get any solution .
                        I need to surrender my credit card without any further delay. Further I may add that I am not using this Card and it is still un used . Your kind action on this matter would be the need of this hour.
                        ICICI Bank customer support has been notified about the posted complaint.
                        Respected Sir!

                        Please kindly suggest me for the procedure to renewal of ATM-CUM-DEBIT CARD as the validity of the card is expiring in March 2017. How to apply for a New ATM-CUM-DEBIT CARD ?

                        Thanking you sir

                        Your's sincerely

                        SCS RAO
                        Dear Sir,
                        I wish to surrender my credit card no-[protected]. the card was issued on Dec-18 & is valid up to Dec-22. I don't need this card because of some personal reasons & due to many unnecessary calls towards your end. as this card is still not activated, kindly provide me the outstanding charges to be paid by me & the ac no in which the charges will be paid.

                        Regards
                        vimlesh kumar
                        payback no-[protected]
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                          S
                          srinivasa peddi
                          Feb 21, 2017
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                          Address: 560066

                          Hi Customer care,

                          I withdraw 2000 rupees on 21-Feb-2017 Through ATM, when i checked message it seems withdraw amount 2023. And again i have withdraw 1000 rupees again it charged 1023.

                          whey did you charged 23 Amount per transaction.

                          Kindly provide me the reason, when can i expect to get back this 23 rupees amount.

                          Regards,
                          Srini.
                          ICICI Bank customer support has been notified about the posted complaint.
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                            Ritikathapar
                            from Gurgaon, Haryana
                            Feb 20, 2017
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                            Address: New Delhi, Delhi, 110009

                            Hi! I have a ICICI bank account. On 18th Feb17 early morning 0245 Hrs I received messages of deducting amount from my bank. I called customer care and informed executive about the transactions which was not done by me. Complaint was lodged and they assured corrective action will be taken. Today when i visited Gujranwala town Delhi branch was surprised to know that my complaint after investigation is closed and need to contact vodafone as transactions were done to Vodafone and they cant do anything. I am surprised how can they wash their hands. I have deposited my money in bank as it will be secure but was not aware thieves can stole money in bank and bank can back off by saying they cant do anything.
                            Kindly assist me. I have lost 24000/-
                            Ritika Thapar
                            [protected]
                            ICICI Bank customer support has been notified about the posted complaint.
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                              Abhishek Pandit Jain
                              from Bengaluru, Karnataka
                              Feb 20, 2017
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                              Address: Dharwad, Karnataka, 580028
                              Website: www.icicibank.com

                              Hi,
                              Issue: auto debit return fee.

                              Summary: i have not opted in for auto debit service i want my money back for all the months i have paid for the service.

                              Off late there has been extremely disappointing customer service for me. I have been charged for auto debit fee for quite some time now, i dont know for how long, as i never activated or authorised to enable that service. I reached out to various credit card card related custimer service but the resolution has not been provided, i confirmed from the credit card executive who provided me the credit card and he says he has not activated that service. I have just being redirected to branch, customer service, credit card manager and now here. My expectation is i want the money to be rightfully reversed to my account that i have paid for that service so long.

                              Cc exec: [protected]@gmail.com cc mngr: madhu. [protected]@icicibank.com.

                              I am unable to elaborate the issue completely here due to restricted characters to be typed. I am writing to this que expecting resolution as i have been played enough so far. I believe that i am asking for the money which has been charged to me incorrectly for the service i never opted-in for. My perception about icici has been changed completely overnight due to the service i received recently rude and unempathetic.
                              ICICI Bank customer support has been notified about the posted complaint.
                              ICICI is more money looting bank then helping cutomers
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                                pavithra.R
                                from Bengaluru, Karnataka
                                Feb 20, 2017
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                                Address: Bangalore, Karnataka, 56010
                                Website: Deactivate the one assist plan

                                I also received call from icici bank and they just given information about one assist plan after than they automatically activated this plan and deducted rs-1799/- from my saving a/c. Without my permission. I don't need this plan actually. Please deactivate this plan and refund my money asap

                                My a/c number:[protected]
                                One assist id number: SR[protected]

                                Make sure to deactivate this plan asap, if not.. I will complaint against this in Consumer court .
                                Thanks!
                                Pavithra.R
                                ICICI Bank customer support has been notified about the posted complaint.
                                Hi,

                                Please find the screenshot, amount wrongly deducted, plz get it reverse in my account.

                                Tr. Type - REV MMT[protected]
                                Amount - 4000/-
                                Acount number[protected]
                                Rgrds
                                Aishwary
                                [protected]
                                Dear Pavithra,

                                Greetings from OneAssist..!

                                We deeply regret for the inconvenience caused to you & appreciate your patience.

                                We are unable to find any details, requesting you to kindly share the customer ID or registered mobile number to cancel the Plan.

                                Should you require any further assistance, please reach us at [protected]@oneassist.in or[protected].

                                - Deepali

                                Team OneAssist
                                Iram_k's reply, Nov 3, 2017
                                Dear Deepali,

                                Yesterday itself, I received a text that a sum of Rs. 1899/- has been deducted from my account to one assist plan. And it has been done so without my consent or permission. Seriously, I don't need any such plan. I am really really seeking ways to deactivate it nd refund my money. I did share my concern with your representative. But nothing has been done yet. Please deactivate this one assist plan and refund my money ASAP.

                                Regards,
                                Iram N. Khan
                                ([email protected])
                                I called customer care and asked for deactivation and refund the money, as the reply "We will deactivate and refund the money "from executive .But still the service is active and no money was refunded .Very Very Bad resolution
                                Yesterday itself, I received a text that a sum of Rs. 1399/- has been deducted from my credit card account to one assist plan. And it has been done so without my consent or permission. Seriously, I don't need any such plan. I am really really seeking ways to deactivate it and refund my money. I did share my concern with your representative. But nothing has been done yet. Please deactivate this one assist plan and refund my money ASAP. Otherwise I will discontinue all services from ICICI bank.

                                Relationship No. : 5133600

                                Thanks,
                                Pramod Kumar Singh
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                                  R
                                  Rohit V Rohit
                                  from Chennai, Tamil Nadu
                                  Feb 20, 2017
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                                  Address: New Delhi, Delhi, 110002
                                  Website: www.icici.com

                                  Rs. 2065 got deducted as DMAT Charges. I was never informed for this... tell me why? Please ICICI, call back soon!

                                  My Phone number: [protected]
                                  I need my money... Kndly get my 2065 rupees back in my account...
                                  Before I had 128990 now after reduction only 126925 is left...

                                  ICICI cheating their customer :(

                                  my Account nubmer is:[protected]

                                  Name: Verma Raj Rohit
                                  [protected]
                                  Delhi
                                  ICICI Bank customer support has been notified about the posted complaint.
                                  I don't understand why Icici is delaying the opening of my saving account, whenever I asked the bank they says today evening your account will opened, but that evening never comes. I am really sick of their delayed work.
                                  I have recieved my Credit card Pin number but credit card was un-delivered since i was out of station due to loss in the family. now i am unable to place request for re-dispatch or connect to icici executive. Please help me out with this. contact info given below :

                                  [protected]
                                  jadeja.[protected]@gmail.com
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                                    vikrambhan18
                                    from Delhi, Delhi
                                    Feb 19, 2017
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                                    Address: 110089

                                    Sir, it is a matter of concern that rep of your credit card is visited my home with address Flat No 28, modern appts, sector 15, Rohini, New Delhi looking for me for purpose not known. It's like breaking into my privacy and comming unannounced which is not appreciated especially from an bank institution like ICICI. May I request u to look into the matter and give feedback earliest. My mail address is [protected]@yahoo.co.in
                                    Regards
                                    Vikram Bhan
                                    ICICI Bank customer support has been notified about the posted complaint.
                                    Dear sir/ madam
                                    my personal loan reference 67328473 already approved but amount not credit my account till now any problem,

                                    Regards

                                    Radheshyam carpenter
                                    mb [protected]
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                                      Sabal Nair
                                      from Bengaluru, Karnataka
                                      Feb 19, 2017
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                                      Unusual loan due SMS

                                      Address: Bangalore, Karnataka, 560043
                                      Website: www.icicibank.con

                                      Last night I received the following SMS:

                                      Dear Customer, payment of Rs. 75504 is overdue on your Loan Account XX6797. Please call our Customer Care and press 176 after welcome message. Alternatively, you may also contact ALLIANCE DEBT MANAGEMENT AND LEGAL SERVICES on 47010291. Please ignore if already paid.

                                      I do not have any loans from ICICI. I have one savings account with the bank which is being used actively....
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                                      mohan9976
                                      from Hyderabad, Telangana
                                      Feb 18, 2017
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                                      Address: Salem, Tamil Nadu, 636304
                                      Website: icici bank

                                      I am an account holder of ICICI bank for about 4 years. When I went to take money from the ATM, my money in account was less from the previous days balance. I was thinking why I was having such deduction and I checked my mail and phone whether I received any notification. But I didn’t. Then I went to my personal banking website and checked for the reason. Then I saw a charge of 500 rupees in the name of SMAB Chgs-May15+Stax 55.00. My situation is now standing petrol bunk. Reason no balance in my account. My account no is[protected] contact no. [protected]. email id. [protected]@gmail.com..
                                      ICICI Bank customer support has been notified about the posted complaint.
                                      Dear sir
                                      i am not in a condition to pay the credit card dues i have told icici bank executive about this they are harrassing like anything total due in one card is 41000 and 25000 i can max total of[protected]including 2 cards) and ready to go for settlement
                                      regards
                                      tathagata dutta
                                      [protected]
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