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ICICI Lombard Complaints & Reviews

3.7
Updated: Dec 13, 2025
Complaints 1331
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ICICI Lombard reviews & complaints page 10

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P
paresh bandkar
Nov 25, 2020
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Hi,

I have submitted my documents before 2 months but still after completion of 2 months and after giving lots of emails / follow ups i have not received my claim amount.

I request you to please do the needful. Below is the details of my policy.

Name of the Applicant: PARESH PRAKASH BANDKAR
Date of Birth: 15-Apr-1987
Mobile No.: [protected]
Product Name: GROUP SECURE MIND
Loan Account No: 921861
Loan Tenure: 5
Loan Sanction Amount: 1522770
Loan Sanction Date:[protected]
Period of Insurance: From 00:00 hrs 29-Apr-2020 To 23:59 hrs 28-Apr-2025
Aug 7, 2021
Complaint marked as Resolved 
ICICI Lombard customer support has been notified about the posted complaint.
Verified Support
Nov 27, 2020
ICICI Lombard Customer Care's response
Dear Paresh Bandkar, We have noted your concern. We will check this from our end and get back to you on it.
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    vishalgaonkar
    Nov 21, 2020
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    Resolved

    While driving from Bangalore to Karwar on Bangalore-Pune Highway, the bonnet of my Car got detached from the hook and banged the windshield and top roof. This has caused sever damage to the car Windshield, Roof, Fender etc... I have registered for the claim with number MOT10422396 with ICICI Lombard.

    However, after surveying now the insurance company ICICI Lombard has rejected my claims saying there is no cause of accident. The mechanical failure which caused the bonnet lid of the car to get detached due to wind pressure is not considered as the cause of the accident.

    I request you to please resolve this issue and help in approving my claim.
    Aug 5, 2021
    Complaint marked as Resolved 
    ICICI Lombard customer support has been notified about the posted complaint.
    Dear Vishal,

    Apologies for the unpleasant experience. We have made a note of the details and will get back to you with an update.

    Regards,
    ICICI Lombard General Insurance
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      A
      Nov 18, 2020
      Resolved
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      Address: CHIPPA MOHALLA KANKROLI WARD.NO.23 pin.no. 313324 RAJSAMAND

      Polici no. 1 4118/LMFSL/[protected]/00/000
      POLICY NO. 2 4005/M/LFSPL/[protected]/00/000
      POLICY NO.3 4118/LMFSL/[protected]/00/000
      POLICY NO. 4 4005/M/LFSPL/[protected]/00/000

      both account no.is HL AC, NO.HRHLUDA00484978
      AND HE AC.NO. HRHEUDA00484980

      I HAVE PAID ALL THE DUE MONEY BEFORE ABOUT 3 MONTH
      I NEED MONEY PLEASE SEND ME URJENT REFUND PLEASE IFF ANY PROBLEM CONTACT ME ON MOBILE NO. [protected], [protected]
      my sbi ac. is [protected] please send money this acc. number
      Aug 11, 2021
      Complaint marked as Resolved 
      ICICI Lombard customer support has been notified about the posted complaint.
      Verified Support
      Nov 18, 2020
      ICICI Lombard Customer Care's response
      Dear Sir,

      We have noted your concern. We will check this from our end and get back to you on it.

      Regards,
      ICICI Lombard General Insurance
      Verified Support
      Dec 01, 2020
      ICICI Lombard Customer Care's response
      Dear Mr. Meratwal,

      We write this with reference to your below concern.

      At the outset, we sincerely apologize for the inconvenience caused to you.

      As per our telephonic conversation, please share require documents.

      We assure you best of our services.
      Verified Support
      Jan 15, 2021
      ICICI Lombard Customer Care's response
      Dear Mr. Meratwal,

      We write this with reference to your below concern.

      We hope your concern has been resolved

      We assure you best of our services.
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        Gunu25
        from Gurgaon, Haryana
        Nov 17, 2020
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        Address: 113, SHIV COLONY SECTOR 22

        Dear Sir/Madam,

        Would like to highlight one case where we are cheated either by Metro Hospitals and Paramount TPA.

        Mr Father was hospitalised on 22.10.2020 in Metro Hospital and got Discharged on 11.11.2020.

        Total bill value was 250876 where we got reimbursement of 241776.

        As per TPA, they have approved the entire amount and only 1500 of Ambulance we have to pay where the Hospital is denied from the same that TPA did not reimburse the said amount and we have to pay the total remaining amount i.e. 9100.

        Both the parties denied to reimburse the amount and forcefully charged 7600/- before discharge.

        Now they are not ready to listen to anything and we are not getting any satisfactory response and we charged unnecessary 7600/-.

        We request you to please do the needful and reimburse the amount. Attached documents for your reference.

        we will be highly obliged to you.

        Looking for a positive response.

        Thanks in advance.
        +4 photos
        ICICI Lombard customer support has been notified about the posted complaint.
        Verified Support
        Nov 17, 2020
        ICICI Lombard Customer Care's response
        Dear Gunu,

        We have noted your concern. Kindly share your contact/policy details for us to check this from our end.

        Regards,
        ICICI Lombard General Insurance
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          D
          Dr Himz
          Nov 17, 2020
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          Address: srinagar jammu and kashmir india

          Sir, i have insured my car at srinagar jammu and kashmir india, at authorized showroom of arise hyundai which is situated at tengpora bemina srinagar, before some days my bumper got damaged and now they are saying you are not eligible for painting as they have insured my neat and clean vechile at the time of insurance, kindly see the matter so that customer can again go for your insurance service.the insurance is zero dep.
          Aug 7, 2021
          Complaint marked as Resolved 
          ICICI Lombard customer support has been notified about the posted complaint.
          Verified Support
          Nov 17, 2020
          ICICI Lombard Customer Care's response
          Dear Dr Himz,

          We have noted your concern. Kindly share your contact/policy details for us to check this from our end.

          Regards,
          ICICI Lombard General Insurance
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            F
            fraud_tata
            from Pune, Maharashtra
            Oct 30, 2020
            Resolved
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            Address: Nigdi
            Website: ICICI lombard

            Dear Sir,
            I have continuously contacting icici lombard customer support everyday since 15th OCT through email or phones.

            I am asking them to update policy on parivahan websites.
            I have purchased three years policy but it is showing for one year only.

            My service request numbers :[protected]
            service request number:[protected]


            Today 30th oct 2020, Yet they have not resolved issue. As a customer I am very much in depression.
            And very disappointed about the service..

            I want compensation for my mental harassment's and time I waste everyday.

            They are not trying to understand customers problem.
            Today They said they will call from higher authority but did not get call yet. They are liar.

            Why should we buy policy from them ?
            They are bunch o[censored]seless people looting us.
            Aug 12, 2021
            Complaint marked as Resolved 
            ICICI Lombard customer support has been notified about the posted complaint.
            Verified Support
            Nov 02, 2020
            ICICI Lombard Customer Care's response
            Dear Sir/Madam,

            We regret the inconvenience caused.

            Request you to share us your contact details.

            We will check and get back to you.
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              fraud_tata
              from Pune, Maharashtra
              Oct 30, 2020
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              This complaint is regarding motor vehicle policy updating in mparivahan websites. I have purchase three years policy but on parivahan websites not showing.
              Aug 7, 2021
              Complaint marked as Resolved 
              ICICI Lombard customer support has been notified about the posted complaint.
              Dear Sir,

              We regret the inconvenience caused.

              Request you to share us your contact details.

              We will check and get back to you.
              SERVICE NUMBER:[protected]

              Dear Sir,  I have continuously  contacted icici lombard customer support everyday since 15th OCT through email or phones.
              I am asking them to update policy  on parivahan websites.I have purchased a three years policy but it is showing for one year only.
              My service request numbers :[protected]            service request number:[protected] 
              Today 30th oct 2020, Yet they have not resolved the issue. As a customer I am very much in depression. And very disappointed about the service..
              I want compensation for my mental harassment and time I waste everyday. 

              They are not trying to understand customers' problems.Today They said they will call from higher authority but did not get a call yet. They are liar.
              Why should we buy policy from them ?They are a bunch of  useless people looting us.
              Dear Sir, we would require your contact details to assist you. Please share your email ID and contact number.
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                S
                Syed143
                Oct 22, 2020
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                I am not satisfied with the process of claim settlement in ICICI Lombard. My Claim intimation date is 12/Sep/2020 but still we have received multiple queries. I have already approach many times icici lombard Grievance, but no response.

                Policy & Claim Information :
                Policy Number: 4173/[protected]/00
                Claim Ref. No. SCM[protected]
                Claim Intimation Date : 09/12/2020
                Interaction ID [protected]

                Mail received on 14-Sep-2020 - Stated like need to submit "Diagnostic/ Lab report confirming COVID-19 diagnosis". I submitted on the same day

                Mail received on 01-Oct -2020 Stated - "provide the covid 19 positive confirmation ICMR referral form with seal and signature of the Lab". I submitted on same day

                Mail received on 10-Oct-2020 Stated - "Please Provide RT-PCR test report" -

                I don't know Why are they are asking Covid Positive confirmation report with different names/actions. they are bluffing for claim settlement.

                I don't know what the RT-PCR test is. I had symptoms and I tested in Primary Health center bangarupeta, venkatagiri Mandal, Nellore-524132 on 10/Sep/2020. I got a positive confirming report from AP Govt health dept(Sample Id - 8631129 you can enquire ICMR or through hospital) and we don't have any other report to give. I am really not satisfied with the claim settlement process because I submitted all required documents on time.

                They are finding various excuses to reject Covid claims

                it is more than one month since I submitted my claim and there is no update as yet.

                Their service quality stands to be questioned.

                They do not provide timely updates. one needs to follow-up regularly.

                The size of a company does not necessarily matter. It is the values
                integrity, honesty and transparency that matter.

                I sometimes wonder whether it is worth buying an insurance policy if you have to literally chase the company for geting your money reimburse.
                Nov 2, 2020
                Complaint marked as Resolved 
                Complaint Resolved
                ICICI Lombard customer support has been notified about the posted complaint.
                Verified Support
                Oct 22, 2020
                ICICI Lombard Customer Care's response
                Dear Sir/Madam,

                Apologies for the inconvenience caused. We have made a note of the details mentioned. We will check this from our end and get back to you with an update on the same

                Regards,
                ICICI Lombard General Insurance
                Oct 27, 2020
                Updated by Syed143
                ICICI Lombard not mentioned like required type of test confirmation in COVID Policy.

                Mentioned in policy like below:

                Important Note and Major Exclusions
                Liability to make payment for any claim under this policy in respect to an Insured Person, are subject to the following:

                Tested in Government designated laboratories
                The insured must have tested positive for COVID-19 by a Government designated laboratory in India using only those specific test(s) as defined by
                Government authorities.

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                  N
                  Nitin Nayal
                  Oct 13, 2020
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                  Resolved

                  Address: New delhi

                  I have not received my claim yet despite waiting for 14 days

                  My Mobile Number - [protected]
                  Aug 7, 2021
                  Complaint marked as Resolved 
                  ICICI Lombard customer support has been notified about the posted complaint.
                  Dear Nitin,

                  We regret the inconvenience caused.

                  Request you to share us your contact details.

                  We will check and get back to you.
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                    D
                    Dhruva Mungamuri
                    Oct 13, 2020
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                    1. The pre-approval of my claim was denied stating that that Covid positive from government was not submitted. Although I had provided the details of the SRF Id and ICMR reference details.

                    They are finding various excuses to reject Covid claims

                    2. it is more than one month since I submitted my claim and there is no update as yet.

                    Their service quality stands to be questioned.

                    They do not provide timely updates. one needs to follow-up regularly.

                    The size of a company does not necessarily matter. It is the values
                    integrity, honesty and transparency that matter.

                    I sometimes wonder whether it is worth buying an insurance policy if you have to literally chase the company for geting your money reimburse.

                    The big question is IRDAI doing anything about it.
                    Aug 7, 2021
                    Complaint marked as Resolved 
                    ICICI Lombard customer support has been notified about the posted complaint.
                    Dear Dhruva,

                    We regret the inconvenience caused.

                    Request you to share us your contact details.

                    We will check and get back to you.
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                      V
                      Oct 10, 2020
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                      Resolved

                      Address: IL Health Care, ICICI Lombard Healthcare ICICI Bank Tower, Plot No.12,Financial District,Nankaram Guda, Gachibowli, Hyderabad, Andhra Pradesh PIN Code : 500032

                      Dear Sir/Madam,

                      I had bought the COVID-19 detection insurance for my mother from ICICI Lombard. The insurance time period is 13 June 2020 to 12 June 2021. On 9th October 2020, my mother was detected with COVID by BBMP. On 14 October 2020, I raised the claim to ICICI Lombard, then they asked me to submit a couple of documents (included the COVID positive report for my mother also provided by BBMP) that I have also done.

                      Now they are not accepting the COVID positive report provided by BBMP, they are saying this report won't work.

                      Please help me out here, as I am feeling cheated by ICICI Lombard, these people are just making excuses and not responding to mail/phone properly.

                      Attaching the policy, sample collection report, report given by BBMP for your reference, and the screenshot of the portal also provided by the Karnataka government.

                      Thanks in advance
                      ICICI Claim Number - SCM[protected]
                      Policy Number - COI2006132045236430000397
                      Insured Name - Veena Mittal
                      Aug 7, 2021
                      Complaint marked as Resolved 
                      ICICI Lombard customer support has been notified about the posted complaint.
                      Dear Veena,

                      We regret the inconvenience caused.

                      Request you to share us your contact details.

                      We will check and get back to you.
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                        Shilpa Hanumshetty
                        Oct 7, 2020
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                        Address: Standard chartered bank Bangalore

                        [protected] is my interaction i’d for my claim request and uhid-il[protected] and claim#[protected] is pending and it’s very upsetting to see icici is least bothered to address there cx request
                        Aug 7, 2021
                        Complaint marked as Resolved 
                        ICICI Lombard customer support has been notified about the posted complaint.
                        Dear Shilpa,

                        We regret the inconvenience caused.

                        Request you to share us your contact details.

                        We will check and get back to you.
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                          Yadav Shivam
                          Oct 6, 2020
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                          Address: Mumbai Malad west near phenoix mall

                          Hi my name is shivam yadav. Iam employee of icici lombard. I work there for three months. Before lockdown everything is good. But after that my manager and tl both harass me. They again and again call me for resign letter. When i regret to do they call me and harass me. I record that conversation. I have all proof. After that when i do not gave resign letter they force fully resign me.
                          ICICI Lombard customer support has been notified about the posted complaint.
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                            skchaubey
                            Sep 23, 2020
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                            Resolved

                            Gas blast in my house 21/02/2020 insurance claim not settelment my claim no - lia[protected] but insurance company not accpted my claim
                            Aug 7, 2021
                            Complaint marked as Resolved 
                            ICICI Lombard customer support has been notified about the posted complaint.
                            Dear Sir/Madam,

                            Apologies for the inconvenience caused. We have made a note of your concern. Kindly share your contact/policy details for us to check this from our end.

                            Regards,
                            ICICI Lombard General Insurance
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                              M
                              mayank1394
                              Sep 19, 2020
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                              Resolved

                              Hi,

                              I have raised a request for my icici health policy renewal following which the premium amount was debited from my account on 31st august.
                              Its been 20 days now and i still haven’t received my policy yet. When raised another complaint with lombard team they are saying that they are not able to find successful transaction. For this i have provided success amount debit proofs multiple times but still there’s no resolution.
                              My current policy expires on 19th september.
                              Even though making the payment well in advance (20 days before) i haven’t got my renewed policy.
                              +1 photos
                              Aug 12, 2021
                              Complaint marked as Resolved 
                              ICICI Lombard customer support has been notified about the posted complaint.
                              Verified Support
                              Sep 22, 2020
                              ICICI Lombard Customer Care's response
                              Dear Mayank,

                              Apologies for the inconvenience caused. We have made a note of your concern. Kindly share your contact/policy details for us to check this from our end.

                              Regards,
                              ICICI Lombard General Insurance
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                                ksundarb5679
                                Sep 10, 2020
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                                Address: Chennai

                                Honestly telling that you people are not acting faster after providing all doc's sent through mail and hardcopy's and too many calls. I have applied on july 23rd onwards and till zero improvement. This looks your concern fit for nothing. You people are very clear to get premium but reimbursement looks opposite. I am totally got stressed at this point of time due to not happening everything formally at right time. Almost 60 days over... Whats the ans for this?

                                Regards
                                K sundar babu
                                Aug 7, 2021
                                Complaint marked as Resolved 
                                ICICI Lombard customer support has been notified about the posted complaint.
                                Dear Sir/Madam,

                                Apologies for the inconvenience caused. We have made a note of the details mentioned. We will check this from our end and get back to you with an update on the same

                                Regards,
                                ICICI Lombard General Insurance
                                Dear Sir,

                                We write this with reference to your below concern regarding the claim.

                                As per our telephonic conversation held yesterday, we would like to inform you that we are reviewing your claim with our senior claims official and we shall revert you maximum within 4 working days.

                                We request your co-operation in the interim and look forward to serve you.
                                Dear Sir,

                                We write this with reference to your below concern regarding the claim.

                                As per our telephonic conversation held yesterday, we shall call you back tomorrow post 11:00 am in order to assist you further.

                                We look forward to serve you.
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                                  ajitmax009
                                  Aug 23, 2020
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                                  Resolved

                                  Cancelation and refund

                                  Dear Sir/ Madam, Refer to my canceled policy 4065/ICICILL/[protected]/00/000. I have been waiting for an eligible refund since 10 Jul 2020. However, every time I had been given some reference number and transaction ID but no refund comes. It is requested to kindly refund a sum of Rs. 888.00 at an early basis against transaction ID [protected] dated 13 Aug 2020.

                                  Regards

                                  Ajit Kumar
                                  [protected]...
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                                  Girish Nandhan
                                  Aug 21, 2020
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                                  Address: #19 RK COMPLEX SARJAPUR ROAD ANEKAL TQ, Dommasandra, Bengaluru, Karnataka 562125

                                  Please not there is fake agent (https://g.co/kgs/KZ8BgM) following location i visited the store for my lombard car insurance renewal he is referring for other insurance but i'm satisfied with icici lambord he is not having an agent of too so please make not that he is misguiding the costomers
                                  +1 photos
                                  Aug 7, 2021
                                  Complaint marked as Resolved 
                                  ICICI Lombard customer support has been notified about the posted complaint.
                                  Dear Girish,

                                  We have made a note of your concern. Kindly share your contact details for us to check this from our end.

                                  Regards,
                                  ICICI Lombard General Insurance
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                                    amey chavan5
                                    Aug 16, 2020
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                                    Resolved

                                    Address: Sion

                                    Dear team,

                                    Iam taking property insurance from 2 years ago, still i am not getting any single policy soft copy or hard copy.

                                    Im taking followup from last one & half month form icici lombard employees but not getting any single response on call & mails.

                                    I also taking follow-up from customer support but they also not providing policy copy excluding one policy but it also incorrect so i raise request for endorsement but not received correct policy copy till date,.

                                    Plz help me asap
                                    Aug 12, 2021
                                    Complaint marked as Resolved 
                                    ICICI Lombard customer support has been notified about the posted complaint.
                                    Verified Support
                                    Aug 17, 2020
                                    ICICI Lombard Customer Care's response
                                    Dear Amey,

                                    Apologies for the inconvenience caused. We have made a note of your concern. Kindly share your contact/policy details for us to check this from our end.

                                    Regards,
                                    ICICI Lombard General Insurance
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                                      Sanchit92bansal
                                      Aug 1, 2020
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                                      Address: B3/95, Third Floor, Paschim Vihar

                                      Hi Team,

                                      I hold a car insurance policy of my car number - DL4CAY7842, CIN No. - U50300M1997PLCI49349 intimated on 17/07/2020. (Find the enclosed policy document and claim intimation form)

                                      I'm writing this to raise a concern regarding the problems faced while getting the claim of the car from the ICIC Lombard against the above policy.

                                      1. As a person normally does, I contact my nearest service station intimated them about the accident of my car, and hand over the car to them to process the claim and fix my damaged car.
                                      2. However, after the survey the things go south as the person who surveyed my car is a mannerless, unethical person who has no sense to talk to the customers. As per his comments he can't provide the full damage claim as my story is not justified but it is crystal clear that my car stuck in the colony gate while saving a person on the motor hence the damage anyway after getting the response, I called this unethical person of ICICI Lombard survey team - Mukesh Jain (mukesh.[protected]@icicilombard.com, [protected]) to talk about the approved damaged part.
                                      i. First, he suggested I take the second the claim to get the full car repaired but I disagreed as the damage on the car is from one accident not then your excellent said me this is the only option.
                                      ii. Then I contacted the service station and asked for help and they mentioned it is the normal attitude of this survivor to ask the customers to take the second which is good for the insurance company and negative for the customers.
                                      iii. Again, I called Mr. Mukesh and requested to do the survey again and give the reason how the story is not justified but he said "Do Whatever You Want To Do You Will Get Nothing" (Jo Krna hai kr la kuch nhi millega) in addition he said "second claim bhi pass nhi karunga krwa la krwa sakke toh" and then he used some abusive language.
                                      iv. After that, I talked to his manager and nothing is done by anyone to help me in this regard.

                                      My policy is the most expensive policy covers all type of damages also I never expected such service from the ICICI Lombard after hearing by the reputation of the company but it happened and not I like to seek help and get the full claim first and action against your unethical, mannerless executive MR. Mukesh Kumar

                                      I opened the complaint against it directly in the company but nothing is done due to which my insurance record looks bad on the top of that my car is not repaired.

                                      They are actually looting the customers you can confirm the same from the TATA Service Station, Perragarhi as I'm not the only one who faced the problem while getting the claim from ICICI Lombard.

                                      This forum is my last hope to get the things fixed and done in the right way as currently, I paid for the policy to get my car insured and harassed by the company for paying the money.

                                      If you want any other details then please contact me directly.

                                      I really appreciate any help that will be done in this case.

                                      Thanks,
                                      Sanchit Bansal
                                      Ph: [protected]
                                      [protected]@aon.com
                                      ICICI Lombard customer support has been notified about the posted complaint.
                                      Aug 01, 2020
                                      Updated by Sanchit92bansal
                                      Unable to upload any documents which will provide you the complete details of the policy and intimation dates number and all, If you need the details please provid eme any email id where I can email them for your refence.

                                      Thanks Much!
                                      Sanchit Bansal
                                      Ph: [protected]
                                      [protected]@gmail.com
                                      Aug 01, 2020
                                      Updated by Sanchit92bansal
                                      Email id in my first signature is wrong so please disgreed it.

                                      Thanks Again!
                                      Sanchit Bansal
                                      Ph: [protected]
                                      [protected]@gmail.com
                                      Verified Support
                                      Aug 03, 2020
                                      ICICI Lombard Customer Care's response
                                      Dear Sanchit,

                                      Apologies for the inconvenience caused. We have made a note of the details and will get back to you with an update on the same.

                                      Regards,
                                      ICICI Lombard General Insurance
                                      Verified Support
                                      Aug 05, 2020
                                      ICICI Lombard Customer Care's response
                                      Dear Sir,

                                      We write this with reference to your concerns registered with Consumer Forum.

                                      As per our telephonic conversation held today, we are reviewing your concerns related to claim number MOT10051116 with our Senior Claims Official and will get back to you with the resolution shortly.

                                      We sincerely regret the inconvenience caused to you and will get back to you with the resolution at the earliest.

                                      Given the situation due to the ongoing pandemic, we have streamlined our resources, giving priority to customer facing functions, namely, claims processing and customer service. Our endeavour is to ensure that we maintain our customer service standards while keeping in mind employee safety. If, however, you experience a delay in service, at any point of time, we request your patience.

                                      We assure you best of our services.
                                      Aug 11, 2020
                                      Updated by Sanchit92bansal
                                      Do you have any update on this?

                                      As per my discussion last week with one of your customer care representative, he told he will send the update by the EOD but never seen any response back with any resolution. I asked for the following.

                                      1. On what basis you surveyd my car when you don't even know my policy type? Your team generated the bill of approx. Rs. 1600 to release my car however my Policy covers all other expenses apart from the file charge which is Rs. 1000

                                      2. Written justification of the approved parts. Why the left side door is not covered?

                                      3. When my right side light was not damaged, it is approved by your suryeor instead of the requested part and mess MR. mukesh created was already told in my last mail. (Also, I came to know at the time of delivery that the light was not replaced and I showed the delivery person and clicked a photo and send it to Tata the light is changed today 6th August, It's seems to be scam again with join hands of the Tata service station and ICICI executives)

                                      6. Now who will bear the loss, my car is insured by ICICI and all the mess created beacuse the uneducation and experience of the executives of the insurance company due to which my car is half repaired and now having lot's of other issue due to the bad service.

                                      5. Written apology from MR. Mukesh Kumar about the enthical and rude behaviour.

                                      Kindly provide the answers asap. I'll follow up with the Indian Consumer Forum Complaint seperately.

                                      Thanks,
                                      Sanchit
                                      Ph:[protected]
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