ICICI Prudential Life Insurance Complaints & Reviews

RESPECTED SIR/ MAM
FIRSTLY I TELL YOU AFTER THE "DND" THE ONE LADY CALL ME AT MY CELL NO.
AFTER THAT THEY "USE THE WRONG LANGUAGE"
THE NO. IS [protected] TIME 2:47 DATED 12 OCTOBER 2012

IT IS VERY SHAMEFUL MATTER FOR YOUR COMPANY. PLS TAKE ACTION OTHER WISE COMPANY WILL CLOSE SOON , WITH THIS TYPE OF SEERVICE.

MY WRITTEN COMPLAINT ALSO SEND TO "TRAI" "IRDA"
AS WELL AS NEAR POLICE STATION ALSO

I'M NOT A CUSTOMER OF ICICI PRUDENTIAL AFTER THIS CALL DEFINITELY "NO" TO YOUR COMPANY
I WILL SUGGEST TO OTHER PERSON ALSO

PUNEET KALRA
[protected]@GMAIL.COM
[protected]

dear sir/madam
i was applied for a medical policy to your kashipur branch office by advisor praveen sharma but after many reminder to him and your local branch manager i was not able to received my policy bond .
After that i was given him a written application to local branch office than i received my policy bond (policy no[protected] on 31st 07 2012.
in this policy my dob was wrong printed and my wife name is not in policy so after read all the term and condition of this policy i return my bond for free look cancellation in[protected]
to kashipur branch office they do not provide me acknowledgement receipt of my policy because of operation staff is not in office.
then i make telephonic request to ur customer care on 14 aug 2012 withrequest no 48451257 and again i was making telephonic request to customer care no on 23rd aug 2012 with request no 48716519.
on 16th aug 2012 your customer care executive called me and ask me about ecnoledgement no but ur local branch office staff do not provide me any ecnoledgement receipt till today after that i was not getting any reply from customer care department regarding non satisfied customer.

please take action in my case as i was not getting any possitive reply or help from local staff. thanks
Narayan dass pahaw ([protected])
kashipur (udham singh nagar)uttrakhand
244713
local branch(kashipur)-mr kandari-[protected]
nearest branch(haldwani)-mrs vandna-[protected],[protected]

Dear sir
I had purchased a policy no 12082250 from ICICI prudential bank
mumbai branch for 2 lakh in year 2009 due to loss
of job i could not pay the premium after a year now
my policy is foreclosed and ICICI bank is paying me
back only 63,000 rs please look into this matter as I was not informed by the agent pl
help me to recover my entire amt . Rajnish

--

Rajnish Charles,

Hi

This is my complaint againt the Company ICICI Bank / ICICI Prudential Life Insurance Co. Ltd
Company has done froud with me,Also I want to make the people aware about the reputed bank like ICICI
Who is fuoudling with their users,


Policy no# 15427691
Company ICICI Prudential Life Insurance Co. Ltd.

Done 10th complaint regarding mis-selling of policy to me.
This policy is sold to me by the ICICI Bank by telling it is a fixed deposit(FD),

I was under impression that I have taken a FD from ICICI.
When next year I received renewable message for policy, I was shocked
that instead of FD,policy was sold to me,
so I was also not aware what is Freelook period
Please tell ICICI that why I was unable to come in freelook.

It is pure cheating ,Despite my several complaints ,every time ICICI,
is offering me single premium plan conversion. (have no idea may be another trap)

May I know why single premium offered to me instead of refund?
If ICICI is accepting their fault, why there are not giving refund.

But I am not interested in policy, please cancel my policy and provide
me refund amount


Every time the response of the company is not satisfactory and no action has been taken by any department of the company.
Same repeated message is conveying to us every time, with out checking,


regards
B S Panwar
[protected]

Attn - Chanda Kochar - Chairman ICICI- PRU-Life Insurance payment on hold since one month and status is lapsed not active?
Would request you to take up this long pending issue with ICICI and resolve the same at the earliest and below is the email chain.For any further inquiry reach me at[protected]/Email.

Thanks
Venkat Gaddam([protected])India
[protected]USA)


Hi,

Please post the payment and activate my insurance ASAP.I already given the check for 99,920 at HYD office in AP.
Pl keep me posted once insurance is active.

Next year onwards don't forget the alert for the payment due to my registered Email-Id and mobile number for which payment was delayed.

[protected]@gmail.com
Mobile:[protected]
Insurance No:15705115
Name:Gaddam Venkat Ramana Reddy

Thanks,
Venkat Gaddam
Mobile:[protected]


[protected] Forwarded message[protected]
From: Venkat Gaddam <[protected]@gmail.com>
Date: Fri, Sep 14, 2012 at 11:22 PM
Subject: ICICI-PRU_LIFE_INSURANCE-Gaddam Venkat
To: harinath.[protected]@iciciprulife.com
Cc: harinath.[protected]@gmail.com


Hi Harinath,

This is for your kind information that i've taken one ICICI Prudential life Insurance plan for amount one lakh per year with the tenure of 7 yrs in May-2011 with the referal of ICICI bank(Srnagar Branch-HYD) Asst Manager SuryaNarayana and i came to US after that.Regarding this year payment i didn't get any Email alert or Mobile alert(registered) for the payment and made payment two weeks back for this year and my wife got a call saying 3000/- to be paid as an late payment fee.

As the asst manager told me that everything will be informed to you through Email/Registered phone([protected]) for the next payment,but not yet informed,b'coz of which i was not able to pay on time and i won't pay any late payment as it was mistaken from your end,so pl considered for this time and make sure there should be Email alert and registered phone alert which is with my wife to avoid creation of these type of problems.

Insurance NO[protected]
Name-Gaddam Venkat Ramana Reddy

Thanks,
Venkat Gaddam
Mobile:[protected]USA)

ICICI prudential sold me a policy in Feb 2012 with a promised unit rate of 9%. Also, my funds were supposed to go in NAVB which guarantees a 110% return.
I finally got the policy documents after 4 months of constant follow-ups. And as per the policy the unit rate is 10.54% and my funds were assigned to some other fund types which I had not agreed upon.
After lot of follow-ups, ICICI customer care said to close the policy within 15 days by coming to their branch. They did not even apologize for all the mess they have done. Also,what about the interest I could have earned on 1lakh for more than 6 months.
My another problem is that I am out of India and I cannot come to their branch in 15 days. when I inquired ICICI about the same, they did not even respond. I sent atleast 5 reminder emails. Noone even bothers to respond. At the time of selling the policy I was getting 2 calls in a day from these guys.

Cas# 49066180

Thanks
Vishal Kaul
vishal.kaul.[protected]@gmail.com
+[protected]

To Date: 22.09.2012

The Manager

Dear Sir,

I have been victim of ICICI PRUDENTIAL LIFE INSURANCE CO,

I have purchased a policy No: 05011157 dt 31.07.2007.

The adviser MR. Akhilesh Kr. Jha insisted to purchase the policy. He assured me that the full amt of premium will be refunded with some bonus after 3 yrs ( i.e lock period of policy)

I agreed and paid Rs. 700/- every month by ECS for 3 yrs.

After 3 yrs I enquired about my fund value.

I was shocked to know that I had paid Rs 25200/- in 3 yrs and fund value was Rs. 23026/84.

I decided to surrender the policy. I was paid Rs. 11623/98 by cheque No: 837372 dt 07.09.2010 by ICICI BANK LTD.

Thus I lost 20,000/- approx.

I feel like cheated.

Kindly look into the matter.

Regards

BHUPESH SHARMA
Under/Guardian. BEENA SHARMA

Dear Sir,

My name is Mr. Dilip Pandya. I am working as a ITI Principal at a village named Vyara. My age in 57 Yrs & 5 Month. Second last week i had received a call from ICIC Pru. Life Insu., Ahmedabad (Mr. Vishal Soni) & they decribe my a very good plan under GSIP. I was interested so they send their Executuve Mr. Amin Sheikh from Surat Branch for collecting the money 25,000 Rs. from me. Mr. Amin Shekih visited my home, take 25,000 Rs. & give me my receipt (Application No.[protected]. After that i came to know on 19th that Mr. Amir Sheikh had left the job & he will come & give me my mone back on 20th Aug. So i called him ([protected]) but he was not pick up my phone. Then i called Ahmedabad office ([protected]) they told me that ICICI terminated Mr. Amin Sheikh & Mr. Amin will deposit my money in bank 19th August - 2012. Then we had called Mr. Vishal Soni, ICICI In-Charge at Ahmedabad branch & he also commited that my money will be deposited in the bank & Mr. Soni is taking all the responsibility & requested us to not filed any FIR against ICICI. We believe him & drop tha idea of filling FIR. then We have also called Mr. Sheikh & he told that he will deposit the money in bank by20th August-2012. Money was not deposited in the bank on 20th Aug. so we have called all. Neither Mr. Soni nor Mr. Sheikh is pick up the phone. Somehow we have conncted to Mr. Soni & how he tld us that "Do whatever you want to do. I cant do any thing".
I am the person who is near to his retirement & hope to invest some money & i have got this result.
Please help me to get my money back.

Please call me on my cell phone immediately [protected].

Regards,
Dilip Pandya.

Hi,

This is a serious complaint against fraudulent act of an ICICI agent M.ABDUL ALEEM (Agent Code[protected]. The ICICI Prudential Insurance policy was never intended by me but the agent took a ICICI cheque (No 00339) from me and filled the application form and signed it himself and submitted without my knowledge. I was shocked to see the ICICI Pru Pinnacle bond reaching my home. I have been cheated for 4.77 Laks. He took a cheque from me saying that he will transfer money from one ICICI bank to another.

I want this policy to be cancelled immediately, action to be taken against the agent and I want my entire money back. I am ready to take any legal action against the agent and ICICI.

Looking forward to your reply immediately.

Details:
Policy No: 16019644
Policy Holder: A.BASHREER AHAMED
Agent Name: M.ABDUL ALEEM
Agent Code: 00151872
Agent Contact:[protected]

--
Regards,
Basheer

In January 2012 , I was approached by an Employe of ICICI Bank branch ( CHD) on phone and I was told that I will be required to pay a single/one time premium of Rs.20,000.00 and after 5 years the poilicy will be matured with all the benefits.So taking him on words I purchased the Policy no-1632242​17, in january 2012. Since I was not in town when the policy was received, I could not avail of the free look period.Now on detailed reading of the policy i understand that i have been cheated by ICICI as the premium has to be paid ever year for atleast seven(7) years and it is not one time as was informed by him. Hereby I do not want to get my money blocked for 15 years. I want that it should be cancelled and my money should be returned.

I have recd your message on my mobile through TD-IPRULI that you have recd premium through ecs Rs.9843 against my policy no. 00067483 and told to get the relevent receipt from iciciprulife.com, but sorry to state that I could not able to get the same, hence hereby would like to request you to send my premium paid receipt on my e amil id [protected]@yahoo.in to enable me to download the same immediately. premium has been deducted on 14/8/2012 through icici bank vashi branch.
kindly do the needful immediately, also send the statement till today on above mentioned e mail id which is my official e mail id

regards,
narayan y. warunjkar.

Policy# 09669302
I have made 8 premium payment 8 times using credit card. All the 8 times either system breaks with no error or warning. All the 8 times payment request never received by credit card company. Called customer service for 21 times and with 37 emails. One answer from ICICI Prudential customer service ' Pay premium.. send error report'.
Customer service manager: DIMPLE A.
Supervisor : Mr. Sayed
Staff does not know if credit card payment is an option for policyholders.

Whole idea of ICICI Prudential life is to make non-payment issue and force policy to lapse so they can pocket money claiming premium was unpaid and money was forfeited.

General people - Please be aware of this tactic and learn from my suffering. I have lost 1 lakh rupees and this company is a fraud. W

I got the Policy while I was in India. Being an NRI, I should have received the welcome kit via email from which my free-look time should have started. I emailed Prulife that I have not received it yet. I was told that it has been sent to the address in India,where I stayed for sometime while visiting India this March 2012. But anyway they sent me a e-copy which is just a receipt of payments etc.
I sent the cancellation request with all the documents within 15 days of my getting e-copy. They refused as they counted free-look from the time it was sent to India. I also filed with Grievance redressal officer but they refused to cancel. They told me that they also emailed me a copy. I never had that email account. I asked my relatives in India to look into the paper copy to see what email address was there. Found out that the agent had justed concocted the address. I asked them to scan and e-send me the whole application. That is where I found out that the signatures are not mine on the places for policy holders signatures. None of the details filled are in my hand .

What sort of legal help I can get in this case. Do I file with Consumer court , if yes, do I have to file in a special jurisdiction .

Or do I have to file with

Insurance Ombudsman (Panjab) ,
Shri K.M.Chadha
Office of the Insurance Ombudsman,
S.C.O. No.101-103,
2nd Floor, Batra Building.
Sector 17-D,
CHANDIGARH-160 017.
Tel.:[protected]
Fax :[protected]
Email [protected]@yahoo.co.in

I got an unsolicited call from someone posing to be an ICICI Prudential employee during the first week of July asking for problems if any exists with my Insurance policies, I wanted to avail a solution whereby all my existing policies are clubbed together which will help me in making unified payments as I am going to retire from my service in the year 2016, hence my call was diverted to Rajat Agarwal (Mo: [protected] “VODAFONE” and [protected] “Reliance CDMA”) and Rajiv Rai (Mo: [protected] “AIRCEL”) both of them convincing me one by one to make a payment of Rs. 75000/- half yearly till 2016. And at the end of 2016 I will receive Rs. 23 Lakhs by the year April’ 2017 which will help me for the above cause. They also assured me to provide the above information in writing with company authorization both through courier and through email but nothing was provided to me.
An Employee of ICICI Prudential, Raebareli came to my residence to fill up the form and as well as to collect the cheque on 08/07/2012. Accordingly a cheque was issued by me dated: 08/07/2012. A week later I received a courier on 20/07/2012 from ICICI Prudential where a new policy was fraudulently generated as “Guaranteed Savings Insurance Plan” Policy Number #16814529 Dated: 13/07/2012 for which annual premium of Rs. 75,000/- has to be paid by me for a period of 7 years and policy will mature only after 15 years i.e. in the year 2027. This is, not at all acceptable to me. The matter was discussed in detail with Rajeev Rai who told me to sent the photo copy of the above policy for cancellation purpose. Immediately I have send the photo copy of my policy to Rajiv Rai through First Flight Courier consignment no. MJ0333847 Dated: 21/07/2012 and the same was received by Noida Office (ICICI Prudential) on 24th July 2012. I did not ask for a new policy neither I have given a consent on this. I later checked from my login account that Advisor is “IIFL, New Delhi” and the above mobile numbers mentioned are from New Delhi area (They said they are based in Bangalore and Hyderabad and now I believe their identities are also false). I strongly condemn unauthorized individuals posing as official representatives of the Company or Regulator who are contacting customers to pitch new policies and doing fraudulent transactions against my will by creating new policy. Every time I call them to ask about the latest status, they say it will get done but no such action has taken place till date.
In the mean time I went to raebareli branch (ICICI Prudential) and met branch manager for cancellation of the policy on 27/07/2012 but I was told that due to internet (SERVER) problem upto 3rd August 2012 the policy cannot be cancelled by this office.
As I am writing this complaint, I understand that “ICICI Prudential Life Insurance Company”is completely responsible for allowing IIFL to pitch new policies and this fraudulent transaction has taken place. My humble request to all future policy buyers not fall into the same trap and avoid purchasing it from ICICI.

Dear Sir,

Myself Pradeep Singh Negi I had LIFETIMEGOLD POLICY NO. 12757466 & CRISIS COVER POLICY NO. 12759499 When the premium due date coming close, Mr.Shivam Tyagi([protected]) called me & said your both the policy premium due and the agent who starts your policy has left the job and the comission goes to agent comes to your account directly if you split the LIFETIME GOLD POLICY and get 2 New policies of Rs 15000 each[protected] &[protected] after 15-20 days Mr.Shivam called me again and said that your 2 New Policies rejected due to some documents issue so you have to pay Rs.32000 again for the policies [protected]&[protected] and paper document and said your rejected policy amount is refunded with interest at the end of November 2011, when i am not getting the refunded amount i called Mr. Shivam , then he said me that your file is in under process and your refunded amount will come to you at the end of December 2011, After that Mr Abhimanyu Rathore ([protected]) called me and said your life time gold policy is lapse and you have to pay the premium for that and i told him about my previous policies and also said abour mr. Shivam Tyagi he said he is my coleague and asked him about your refunded amount than Mr. Rathore said your refund amount come to your account at the end of Jan 2012, and told me to given Rs 27311.00 for the premium of lifetime gold policy, i given the cheque for the same, and he given me another policy no. 16291703 , and after 31 st jan i again called mr. Rathore for the refund amount and reniew of my lifetime gold policy then he said your file under process and mr shivam tyagi is in Mumbai head office for processing my file urgently, when after 25 th feb , when i am not get my refund amount and reniewed lifetime policy and called Mr. rathore and he was not picking my phone call, when i call him from another mobile number he pick the call and when i said i am Negi he disconnect the call, after that i understand they both making me fool , Than i give the complaint against both of them and also cancelling my last 5 policies, please help me in this matter. I am very dissatisfied with icici prudential really. I m already complained 3 to 4 times to the company but they always denied plz look into this matter,

NO help from ICICI
I have a policy general life insurance policy with ICICI Pru life...Policy no: 15617715 I am a regular payer. I wanted to speak to some one related to my account. whenever i dial their customer service no for any or every info i want they say it will be text ed to ur registered mobile no..MY REGISTERED MOBILE NO IS NO MORE WITH ME. I need to update my name my contact info my details like nominee on the account i am married no longer live on previous address... no one is helping me..I am feeling like withdrawing my services from them. I emailed them from my registered email address and their reply is my email is not registered with them.I have initial policy papers where in it says my registered email address is with them...

Services from them is awful. I am paying for something for which i am even not getting sufficient services..
[protected]

I
umesh kant cheetu take one prudential life insurance policy from ICICI
Agent.My policy no is 10145342.I diposit 30000rs at first time.After
that Ideposite 2500RS per month. Now I Deposit 90000Rs till2011.the
agent told us after 5 Years I got 1,50000.But now told me that this
policy is under share Market.that is going down and your amount is only
67000rs.Tell me now What can i do.I Purchase this policy from Ludhiana. The agent cheated me.
Thanks
Umesh kant cheetu Ludhiana.

From: Subramanyam.[protected]@relianceada.com
Date: Fri, 1 Jun 2012 12:37:56 +0530
Subject: termination of pension policy no.00086830
To: [protected]@iciciprulife.com
Cc: ravinder.[protected]@iciciprulife.com, mani.[protected]@gmail.com

Dear Sirs,

With reference to the above policy termination and surrender I wish to
inform you as under :

1. I have approached your local ICICI Pru Insurance co. office in Banjara
Hills, Hyd during 1st/ 2nd week of March''12. and enquired regarding
redemption of deferred pension RP policy no. 00086830 at customer care
/ front office desk.

2. I was informed by your customer care executive in the front office that
all the payments due on the policy for 10 years has been paid by me
and that I can either surrender the policy or opt for monthly pension
amount of around Rs. 3000/-. I was told that I will get a lumsum payment
of around Rs.115000/- if I do not wish to opt for monthly pension
payment.

3. I was told that I have to opt for whatever option before 31.03.2012
otherwise it will be converted into monthly pension payment type.

4. As per the policy the due date for last premium payment is 05.03.2014
and the vesting date is 5.03.2015

5.Here I find that I was not given proper communication and advice /
guidance on the benefits in continuing the policy upto the maturity date.

6. Since I did not want to have a monthly pension of a meager amount of
Rs. 3000/- p.m. I have opted for lump sum payment and accordingly
submitted the policy documents for redemption on the advice of your cc
executive and I was told that I will get a ECS credit to my Bank
account in 10 days time.

7. I did not get any retention call from your retention team explaining
the maturity benefits I would get if I continue and an amount of around
Rs. 115000/- was credited to my account after 10-12 days.

8. I have changed my residence during Sept'' 2012 and incidentally I have
traced out a letter dt. 23.09.2009 ( scanned copy sent here) and
noted the benefits explained therein which I would have got on
maturity. Surprisingly these details were not explained to me during my
interaction with your customer care executive at the time of my
submission of the policy for redemption either deliberately or the
executive
was not aware of the information.

9. Here there is gross negligence indifferent attitude on the part of the
executive in suppressing the facts and information about policy maturity
benefits and not briefing a long standing customer like me who is
also a privileged customer of ICICI Bank and who has been regularly
investing in various schemes of ICICI mutual funds and life policies.

10.Currently I am also holding the following additional policies for your
information:

1. Policy no. 03618692 Smart Kid- new unit linked RP - sum Assured
Rs. 250,000/-

2. Policy no. 11621713 Life stage pension Premium Rs. 25000/- p.a.

11. I have met Mr. K.Ravinder Kumar, customer Services Manager- Priority
Circle, ICICI Prudential Life Insuarance co. ltd., Hyderabad last
week of April''12 after I traced out the above letter ( copy enclosed
) and explained him all the above facts and he is also of the opinion that
I was wrongly informed.

12. I could not revert to you immediately on the subject and represent my
case as I was sick for about 10 days and was pre occupied with
my official tours later.

In the light of above now I request you to restore me the policy
continuation benefits as I was wrongly informed and coerced to submit my
policy for pre- mature surrender/ termination.

Iam not a fool or to miss the substantial benefits I would be
getting in case of maturity if properly explained during my visit to your
local offices and during the retention call which was not done at all. I
was not paid the guaranteed additions and bonus as explained in the letter
dt. 23.09.2009 which was misplaced and not noticed by me. This information
of guaranteed additions and bonus was also not disclosed to me during my
interaction with your CC executive.

Had I seen this letter before surrender of the policy I would have never
opted for the pre-mature surrender / redemption.

Iam sending herewith the scanned copies of the letter and my policy
document.

My mobile is registered with you as [protected].


I now humbly request you to restore me the benefits and the loss I have
incurred without my mistake and knowledge failing which I would have to
resort to necessary steps to get justice.

Pl. revert urgently on this.




Thanking you


Best Regards.

CA. K.Subramanyam

AGM & Business Commercial Head- AP
Reliance communications Ltd
5 th Floor, '' Reliance ADA House ''
Plot No. 38, Phase II , Hitech city
Madhapur
Hyderabad 500 019
Andhra Pradesh
Mobile : [protected]
LL:[protected]


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i have taken policy in iciciprudential life insurance.health saver 11163075. they foreclosed my policy now without my knowledge.then i paid as per there suggestion for three months and submitted pdr. after 15 days also no action is taken on my policy or i donot know whether my policy is active or not.

Dear Sir,
in the month of OCT'''11, I got a call from one agent name Sri Swapan Debnath, (Mobile no. [protected]) claiming to be from ICICI Prudential Life Insurance Co. Ltd, requesting for purchasing a policy of the company. As at that time I was looking for a Pension Policy from an Insurance company, I showed my interest and told him that I want to purchase a monthly premium policy of about rs.5000/- p.m. which would offer me a pension amount of Rs.10000/- after my retirement which is about 12 years hence. The Agent sent one of his representative and accordingly, I signed a form and paid Rs.30000/- by cheque as he said that first six month premia have to be paid for iitial registering. After that the agent intimated that if I do another policy of Rs.60000/- (yearly premium), the insurance company will offer me same beniift and an intensive of Rs.18000/-. He was repeatedly assuring me that he was from ICICI Prulife Insurance Co. and .all the conversations were duly recorded as per company policy and he cannot deny any such statement in future and the intensive will definitely be paid. Trusting his statement, i agreed to take another policy of yearly premium of rs.60000/- and my wife signed another form. After that, I got transferred to another town and I could not verify the policy documents when these were received by me wife. Meanwhile, my wife continued to make querries regarding intensive, but Sri debnath was repeatedly assuring that it will be given. After two/three months, when my wife inquired at the above mobile no., she was informed that it was official mobile number of the company and Sri Debnath was transferred to Cuttack. No intensive was paid to me as was assured by him. And now ICICI Prudential Co. is asking for rs. 90000/- as half yearly premium to be paid. They are claimimg that I had aplied for three policies and they are not responsible for the act of Sri Debnath., whereas me and my wife had signed only two application form. The insurance company is now advising me that otherwise the amount which I paid will be forfeited by them. I feel cheated and completely misguided by Sri Debnath. For ready reference, the policy numbers are: 16117621, 16117006, 16147706. I requested ICICI Prulife to refund my money after deducting their charges, but they are not aggreable to refund any amount, nor they want to help me in any manner. I want that, i) money which was paid by me should be refunded, I) i should be compensated by the amount that will be deducted by ICICI Prulife towards their charges, and .iii) censure by ICICI Prulife to the Netambit Insurance Broking Co. Ltd, to which Sri Debnath is working for misguiding a customer. thanking you, --Subhajit dey Sikder And jayashree Dhar Sikder. e-mail:- subhajit.d.[protected]@sbi.co.in.; Moible no. [protected]