IDBI Bank Complaints & Reviews

VIPUL VERMA
Space Creators
Ganesh Kuteer,
Opp.Power House
Hathi Bhata, Ajmer
[protected]
e-mail : [protected]@rediffmail.com

Dated 16.2.2010

Reg: Lost of my Debit Card and not blocked when informed by IDBI Bank

Dear Sir/Madam,

I am VIPUL VERMA have an account with IDBI Bank, A/c No. [protected], Branch-Jaipur Road , AJMER had lost/stolen my ATM Debit Card No. [protected].

My Last transaction was ICICI Bank ATM at Noida, date-6.2.2010, time arround 7.30 pm and our available Balance is Rs.28927.26

There after I have informed to IDBI Bank through e-mail on Saturday, February 06, 2010 11:09 PM that Card stolen today in Delhi Metro, Please Block Debit card No.[protected] and oblige.

There after checking of my account at IDBI bank, Ajmer Branch at 10am on 8.2.10,
I astonished to know that my lost Debid card used by Rs.12794.10, although I had informed to block my card on 6.2.10 11:09 PM to the bank.

On Mon, 8.2.10 at 10.15am I again requested to IDBI Bank and then they blocked my card.

Card used as follows:-
225.00 6.2.10 Nirulas Corner, Delhi
200.00 7.2.10 Kundan Lal Filling Station, Delhi
795.00 7.2.10 V Mart Retail P.Ltd., Delhi
1199.00 7.2.10 V Mart Retail P.Ltd., Delhi
1996.00 7.2.10 Charli Outlaw, New Delhi
3712.10 7.2.10 Reliance Fresh, Delhi
958.00 7.2.10 Reebok Store, Delhi
230.00 7.2.10 Singh Service Centre, Delhi
1450.00 7.2.10 Bhola Garments, New Delhi
600.00 7.2.10 Bhola Garments, New Delhi
198.00 8.2.10 Raizada Motors, New Delhi
1231.00 8.2.10 Big Apple, Delhi
[protected]
12794.10



On Mon, 08 Feb 2010 18:06:56 +0530 IDBI Bank wrote :-
Dear Customer,
Thank you for banking with us.
As per your query, we have checked our records and wish to inform you that your debit has already been blocked.
Further, you will have to submit a written request at your Ajmer branch for issue of a new card. And as this will be a replacement card, you will have to bear the charge of Rs.115/- towards it. You will be receiving the same within7-8 working days from the date of submission of the application.
Assuring you the best of our services as always& looking forward to a mutually rewarding relationship.
Regards,
Sarabjit Kaur
Customer Care Executive


On Tuesday 9.2.10 I wrote
Dear Kaur,
we are sorry to inform you that after information sent you on Saturday, February 06, 2010 11:09 PM that Card stolen today in Delhi Metro, Please Block Debit card No.[protected] and oblige.
you people havn't block the card till monday morning and Appx.Rs.12000.00 stolen through swipe with same card from our account form Saturday night of 6.2.10 to monday morning 8.2.10.
After checking our account on monday morning we again requested through net banking then only the card blocked.
Please credit our stolen money in our A/c No. [protected] SPACE CREATORS, AJMER as we requsted you online at the same time on saturday 6.2.10.
Please reply most urgent.
Vipul Verma
for Space Creators
(Proprietor)
[protected]

On Wed, 10 Feb 2010 13:11:34 +0530 wrote
Dear Customer,
We apologize for the loss occurred and the inconvenience caused to you.
Requesting you to file an FIR at the nearest Police station regarding misuse of your debit card. Take the copy of this FIR and fill an Insurance form at your Ajmer branch for further processing in this regard.
We assure you that, in future we will take all necessary measures to avoid any inconvenience to you.
Regards,
SarabjitKaur
Customer Care Executive


On Thu, 11.2.2010 I wrote
Dear Sarabjeet
As you are aware card lost at New Delhi and I left the city on same day, Now you are requested to please confirm FIR at AJMER or JAIPUR can solve the Insurance purpose or not because It is not at all possible for me to go New Delhi and lodge the FIR.
Please reply most Urgent.
Vipul Verma


On Mon, 15 Feb 2010 13:09:38 +0530 wrote
Dear Customer,
Thank you for reverting to us.
We wish to inform that for claiming insurance you need to file a FIR at the police station in the area where you had lost your Debit card and provide your branch with the copy of the same.
Assuring you the best of our services as always& looking forward to a mutually rewarding relationship.
Regards,
SarabjitKaur
Customer Care Executive


On Monday, February 15, 2010 07:38 PM I wrote
Dear Sabarjeet,
Its not possible us to go to Delhi & file a FIR, Please go through the statement of account and on that facts either convince your Insurance company or otherwise we have no alternative but to go against you in COSUMER COURT.
Please reply most urgent,
Vipul Verma



On Tue, February 16, 2010 11:39:29 IST
Dear Customer,
Thank you for banking with us. We wish to inform you that as you said that the card is stolen/ misused hence an investigation is required and for that you need to file an FIR.
Assuring you the best of our services as always & looking forward to a mutually rewarding relationship.
Regards,
Sarabjit Kaur
Customer Care Executive

Now I pray for justice with you,


Thanks and Regards
VIPUL VERMA
[protected]
[protected]@rediffmail.com

AFTER CHECKING OF MY RECORDS IT SEEMS TO ME THAT I HAVE NOT RECD. THE MATURITY PROCEEDS OF ABOVE BOND.KINDLY REFER IT TO CO....

I opted for a loan from IDBI bank and applied on 13Jan10.

The bank was delaying my processing even after the fact that all my documents and relevant details were up-to-date.

My legal and technicals documents were received earlier by the bank. Everything was clear.

When the day came when I was promised disbursal, the officials at IDBI BANK RAC CENTRE at KANDIVALI(MUMBAI) made a mandatory statement to avail the IDBI FORTIS HOMESURANCE and BAJAJ ALLIANCE INSURANCE. Without which the bank was not disbursing my pay order.

According to the rule, a service can be offered but shall not be mandatory.

I have received the pay order but after so many disruptions.

I have purchased some Mutual Funds through IDBI paisabuilder. My login ID is "RAJAT666". The NAV shown under the scheme "Pru ICICI Tax Plan Fund" is wrongly mentioned, as I am holding the growth option and the one mentioned is for Dividend option. The issue is pending from last 6 months and despite of my repeated calls and mails, the error has not been rectified. What I fail to understand is that why is it not being resolved and why the customer care people dont even give a reference number for my complaint. Even on repeatedly asking for a complaint reference number, I was not given the same.

I would request you to take up the issue with the company for an early resolution.

Rajat Arora

My IDBI Infrastructure (Tax Savings) Bond (2005A) has matured on 25/02/2008 but I have not received any payment so far.
The distinctive Nos. [protected] - [protected] (6)

DEAR SIR,

I HAVE VISITED SBI ATM (ATM ID-S1AN[protected] AT 17:43 ON 06/02/10 FOR WITHDROWING MONEY AND I HAVE SUBMITTED REQUEST FOR 3000 WITHDROWEL WHERE I GOT TEMPRORY NOT ABLE TO PROCESS YOU REQUEST ARRER AND MY ACCOUNT DEBITED WITH SAME AND WHEN AGAIN I SUBMITTED THE REQUEST FOR 2000 (TXN NO-8122)I GOT THE MONEY FOR SAME ,PLEASE DISSOLVE THE ISSUE,

THANKS & REGARDS
GYASUDEEN ALI

Respected Sirs/Madam,

21/11/2009 IDBI BANK 540353 8,273.00

Almost 55 days ago I had applied for a home loan, which was cancelled on the very fifth day. But without informing me anything e.g. loan amount sanctioned, amount to be deducted for processing fees. your officer has deducted abovementioed amount. I am trying to get it back since last 50 days.
You can see from the trailing mails that i have written to almost all officers of your homeloan subsidiary, but nobody is ready to help me except one lady officer who told me to contact you.

Please arrange to do the needful at the earliest.
Thanking you and best regards.

Jayanti Darji
[protected]
Vikhroli



--- On Wed, 13/1/10, jayanti darji <[protected]@yahoo.com> wrote:


From: jayanti darji <[protected]@yahoo.com>
Subject: Fw: REFUND Rs.8273/- not yet recd.
To: [protected]@idbibank.com
Date: Wednesday, 13 January, 2010, 8:55 PM


Dear Sirs/Madam,

21/11/2009 IDBI BANK 540353 8,273.00

Good morning to you.
As you can see from the trailing mails, that I have been trying to get abovementioned refund since last 50 days. But your officer Mr.Sahu is not at all helping me .
In brief, I had applied for a home loan which was cancelled on the fourth day and immediately on fifth day your officer deducted above mentioned amount from my account without informing me anything. Before deducting any amount I have the right to know the break up of this amount, and nobody informed me the amount of sanctioned loan and deducted the amount.
Now I request you to please help me get my refund at the earliest.
Thanking you and warm regards.

Jayanti Darji
Vikhroli
[protected]


--- On Wed, 13/1/10, [protected]@idbihomefinance.com <[protected]@idbihomefinance.com> wrote:


From: [protected]@idbihomefinance.com <[protected]@idbihomefinance.com>
Subject: Fw: REFUND Rs.8273/- not yet recd.
To: [protected]@yahoo.com
Cc: jt.[protected]@idbi.co.in, swati.[protected]@idbi.co.in, [protected]@idbihomefinance.com, [protected]@rediffmail.com, [protected]@apnapaisa.com, [protected]@idbi.co.in
Date: Wednesday, 13 January, 2010, 10:29 AM



Dear Mr Darji,

This is with refferance to attached mail IDBI Home Finance is a separate entity than IDBI Bank
your case is not belong to our company.

Please visit nearest IDBI Bank to know the exact status.

Thanks
Best Regards

Uma Kanitkar
Marketing - Central Office
IDBI Homefinance Ltd. Pune
TEL[protected]


----- Forwarded by Uma Kanitkar/Marketing/Central Office/IHFL on 01/13/2010 10:46 AM -----



jayanti darji <[protected]@yahoo.com>
01/12/2010 08:59 PM To [protected]@idbi.co.in, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com
cc [protected]@rediffmail.com, [protected]@apnapaisa.com
Subject REFUND Rs.8273/- not yet recd.








Respected Madam Uma Kanitkar,

You have written to contact nearest branch, but your Banker Mr. Sahoo is not responding and he has not given my file no.etc to me.

I request you to please show me the way to contact your higher authority










KIND ATTN: Mr Sahoo,
You have been telling me it will take sometime since last 45 days. Please give me email add. and contact nos. of your head office and also send me my file no. and when are you sending my all papers.

Today I tried to contact you many times but you are not responding and giving cell to your asst.lady. Very soon you have forgotten when you used to pick up my phone immediately.

dear sir
sorry for inconvience caused to you for delay, but i have already forward your request for pf refund. since any refund needs a approval from head office it will take some time. please wait i will call you after getting refund from bank.
regards
nirakar sahoo







Dear Mr Darji,

Please visit nearest branch of IDBI Bank for getting this details

Thanks
Best Regards

Uma Kanitkar
Marketing - Central Office
IDBI Homefinance Ltd. Pune
TEL[protected]


----- Forwarded by Uma Kanitkar/Marketing/Central Office/IHFL on 01/07/2010 12:41 PM -----



"swati.joshi" <swati.[protected]@idbi.co.in>
01/07/2010 11:45 AM To [protected]@idbihomefinance.com
cc
Subject Re: Fw: REFUND Rs.8273/-









Dear Ma'am
Said case doesn't belong to our branch .Please ask customer to visit nearest branch

Regards
Swati Joshi
[protected]@idbihomefinance.com wrote:

Dear Sir/Madam
Attached herewith is the mail received from the Customer of IDBI Bank
Forwarding to you for your needful please
Thanks
Best Regards
Uma Kanitkar
Marketing - Central Office
IDBI Homefinance Ltd. Pune
TEL[protected]
---- Forwarded by Uma Kanitkar/Marketing/Central Office/IHFL on 01/07/2010 10:58 AM -----


jayanti darji <[protected]@yahoo.com>
01/06/2010 10:02 PM
To [protected]@idbi.co.in, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com
cc [protected]@rediffmail.com, [protected]@apnapaisa.com
Subject REFUND Rs.8273/-










Dear All,
I had applied for a home loan of Rs.1500000 on 16.11.09. But I cancelled the said loan on the fourth day of my application. Even after informing your officers on the fourth day your bank has deducted Rs.8273 as processing fees.
Kind attn: Mr. Nirkar Sahu,
Since last 40 days I have been after you for my refund. Almost every day I call you and you have been giving me following short answers and cut the phone.
i am not in office
i am going to manager for your refund
it will take some time
call me after 2 pm
call me tomorrow
i am just at the entrance of the bank, call me after some time
after speaking to manager, i will get back to you
etc etc etc
YOU ARE SPOILING IMAGE OF YOUR BANK
Now please tell me how long will it take for my refund ?
Expecting a positive reply or call from you soon.
Thanks.
Jayanti Darji
[protected]
Vikhroli




----- Forwarded by Uma Kanitkar/Marketing/Central Office/IHFL on 01/07/2010 10:58 AM -----


Uma Kanitkar/Marketing/Central Office/IHFL
11/26/2009 10:36 AM
To Idbi bank customer query
cc Aloke Ghosal/Marketing/Central Office/IHFL, [protected]@yahoo.com
Subject Fw: REFUND Rs.8273/-









Dear Sir/Madam
Attached herewith is the mail received from the Customer of IDBI Bank
Forwarding to you for your needful please
Thanks
Best Regards
Uma Kanitkar
Marketing - Central Office
IDBI Homefinance Ltd. Pune
TEL[protected]

----- Forwarded by Aloke Ghosal/Marketing/Central Office/IHFL on 11/25/2009 06:54 PM -----


jayanti darji <[protected]@yahoo.com>
11/25/2009 06:25 PM
To [protected]@idbi.co.in, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com
cc [protected]@rediffmail.com, [protected]@apnapaisa.com
Subject REFUND Rs.8273/-










Dear Sirs/Madam,
Good evening to you all.
Very poor services of your employees or agents has compelled me to write this letter which is highly regretted.
In first week of current month I recd. a call from Mr. Nirakar Sahoo for home loan. He told me that our bank will give you home loan of Rs.15 lakhs in five days. So I submitted all my papers with a cheque on 13.11.09, Friday evening. >From 16.11.09, Monady. First day of my home loan processing started.
On 19.11.09, Thursday (Fourth day), I called Mr. Sahu, he told me that
(1) He will inform me the amount of loan sanctioned by evening of 21.11.09,(Saturday),
(2) It will take 7 to 10 more days to complete full job,
(3) I will have to pay 2 % service charge i.e. Rs.30000 over and above processing fees.
I immediately told him that I cant afford Rs.30000 and I will let you know my decision tomorrow, i.e. on 20.11.09 (Friday).
I had to cancel this loan due to two reasons: (A) I was not aware of your service charges of Rs.30000, normally some banks charge 0.5 % processing fees and some banks have zero charges. (B) Initially he told me that it will be done in 5 days and on fourth day he told me that it will take 7 to 10 days more !!!
So on 20.11.09 (Friday) morning at about 10 am I informed him to please cancel my loan application and send back my papers with my cheque.
Very very surprisingly, on 21.11.09 (Saturday) everything was done very swiftly. Instead of cancelling my loan application, your officers did the following just to harass me.
1. Call from your officer for loan, I clearly told him that yesterday I have already informed Mr.Sahu to cancel this application.
2. Though above was told, immediately Rs.8273 was deducted from my bank account.
3. At about 3 pm a verification call from a lady, I clearly told her no.
4. An officer visited my house at 6 pm, here also I told him no. for my loan.
So after all this I informed Mr. Sahoo, he told me that nothing to worry, refund will be given to you and papers will be sent back on Monday 23.11.09 evening. Again Monday evening I called him, he told me that papers will be sent tomorrow evening. Yesterday also papers did not come and today morning he has written me mail (below attached).
Lastly I thank all officers and IDBI bank management for taking time for my loan.
I request you to refund my Rs.8273 at the earliest.
Thanking you once again and best regards.
Jayanti Darji
Vikhroli[protected]

Dear Sir & madam,

I applied for a car loan from IDBI Bank in the second week of December 2009 from IDBI Bank, Vivek Vihar, Delhi branch for Maruti Wagon R (LXi version). The Bank issued a sanction letter on 29th December 2009 where they approved a loan of Rs. 2.65 Lakh. To get car on time I had submitted the sanction letter at the dealership and also to hold my car as there was a shortage going on due to the heavy discount of of Rs. 45000 in December 09 end. The dealer hold my car for liked color upon my request on the basis of sanction letter issued by IDBI bank. The Bank asked me to deposit an amount of Rs. 3300/- as processing fee for loan to get the sanctioned amount cheque the next day. The said amount I deposited at the branch only in cash. The next day when I visited Bank they informed me that the car loan I applied has been rejected because of two reasons firstly my mom defaulted in a home loan and secondly I defaulted in my two wheeler loan. Both of the loans got over in due time and there was no default at all. During my another visit to branch I submitted the NOC with other supporting documents that neither my mother or I defaulted in any loan.

The amazing fact is when the sanction letter is issued why a rejection. Most of the dealership give the delivery of vehicle on the basis of sanction letter. How much worse could have happened if I would have taken car on the basis of sanction letter.

I approached to the Branch Manager of IDBI Vivek Vihar branch so as to reopen my case or for the refund my processing fee. Nothing has been done so far after several visits.

I applied for another loan through another bank and have a car now. But I need my money bank. Can anybody help me?

Warm regards,
Umesh Chaudhary
New Delhi
[protected]

To,
IDBI Bank
Retail Assets Centre, 1st Floor,
54, Ring Road, Lajpat Nagar-lll
New Delhi-110024
Dated : 29th January, 2010


Sub: Refund of Processing Charge Home Lone Rs. 2000/-




Dear Sir


With reference to file No. 32817 Date 26.12.2008. this is to inform you that I have submitted ICICI BANK cheque No. 788392 as processing charge regarding my home loan which stopped for the time being so I request you to refund the amount Rs. 2000/- which I have submitted as processing charge.

I will be grateful for your kind consideration into the above mentioned matter.

Thank you,





Regards


Ranjan Basu
Delhi
Email:[protected]@gmail.com

Me and My husband applied for Home loan from IDBI bank 2 months back. Bank deducted their processing charges initially and did their queries. During the query, we came to know through our agent that there is some amount pending at wife’s end in Citi Bank card.

We were receiving calls from Citi Bank from 1 month that some amount is pending; but we were denying that as we had never done any shopping from Citi bank card as we stopped that card in the month of September 2006 and the whole shopping was done on one single day in Oct 2006 and bank never gave us any statement of payment from last 3 years. As Soon as we applied for loan bank started chasing us for the payment; however we pay the amount as F&F just for the sake of Home loan as it was a missing card case but we have no FIR for this. So Bank rejected our case and people were so rude in the Bank, even they know that Citi Bank was also the defaulter, why they never informed us about the charges.

We requested again to IDBI bank that if Bank has objection at wife’s name, then please process the file only at Husbands’ name and we will change the property on Husbands name as well. Now bank is saying that we are not comfortable providing any loan to us.

Can some body tell us how we can go further against the Bank as we have already blocked the money in property and Bank is refusing to pay? Builders have only single financer.

I have not received interest on flexi bonds23 ([protected] - [protected])
to be checked and informed.
Thanks
KAMESHWAR SHAHI
RANCHI

Date: 19.01.2010

Sub: Non receipt of Maturity amount

I have not received the maturity amount of IDBI flexibond 22 till date. The bond details are as under:

Regd folio No. 22IFBA2227350
Certificate No.[protected]
Distinctive No. [protected]-[protected]
No bonds. 4

Kindly look into the matter and send the maturity amount cheque at the earliest to the following address:

R N PAL
Manager(Finance)
BHEL
Jhansi-284129
UP

I have purchased 2 nos IDBI flexibond as details given below.

BSE code: 961482
NSE code:IDBI 0405N2
ISIN No.: INE008809BK5
policy no.23IFB 2316197
certificate no.[protected]
maturity date: 20th April 2010.

I want to know how much matured amount will be recievable. I have not recieved any Cheque.

This has reference to my Home Loan A/C No. [protected].

I want to submit that I have been repaying for my loan(total amount Rs. 23 lacs)for almost six years now; however my principal amount seems to be hovering around 22 lacs for several years.

I strongly suspect that my loan repayments made during last six years are not being accounted properly and as a consequence outstanding principal amount remains the same. Please look into it and take necessary remedial action and intimate me about the same.

In case,there is no accounting error, there might be case of higher interest being charged by the bank from me and in that case try to find some remedy for it otherwise I will have to think of trasnsfering my loan to some other bank, which might charge me lower interest rate.

Whatever case may be, you have to find out some way so that I don't suffer any more.

Regards,
Samarendra Nath Verma
Home Loan A/C No. [protected]
Mobile No. [protected]

I was approached by IDBI Pithampur for transferring home loan amount from ICICI to IDBI.
It sound good till i got sactioned letter No-032/492/071009 ; dated 22.10.2009 where insurance premium (Rs 13173) added without asking to me.
In short, processing fees + Stamping fees + Insurance charge and also Own requirement of ICICI proved that this is not going to attractive deal.
I accepted all but till today 02.01.2010 IDBI is confused and asking again more and more papers just for home loan amount 2,50000 Rs. This is going to be a life time experience for me.

Dear Sir
This is Akhanand Pratap Singh i had worked with idbi capital market services ltd. till May 2009 i have appllied for pf with proper coordination with my previous company
there is approx 3 month gone but i have not recd my pf amt regarding that i have talked to our previous company HR ( Mr Ashish Bansal ) He told me that pf deposted from his side so please provide my status
AKHANAND PRATP SINGH
IDBI CAPITAL MARKET SERVICES LTD
PF NO-MH/42069/382
MOB -[protected]

I applied for Housing loan with IDBI Bank, Pune on 12th Nov' 2009 with all accurate property doc's and was surprised to note the late back and unprofessional approach of Bank employees. Initially sanction letter was issued by IDBI bank for Rs. 42.15 Lacs and later based on Property valuation it was revised to Rs. 41.65 Lacs and and now that interest rate is revised i still await my sanction letter. In the mean time i have paid my contribution of 20% to the seller and entered into agreement to sale. IDBI bank legal ad visor (lawyer - Mr. Gandhi) raised a query saying the draft agreement submitted by me do not contain details of property transfer act clauses and wanted it to incorporated without mentioning/indicating the same (even on request). After taking it on with disbursement manager (the attitude of said manager was totally non-cooperative) and the file was send to second set of lawyer, who has legally cleared the file now and I await disbursement. No one has realized the tension and anxiety i have under gone. secondly still i am not sure what further requirements shall come up from IDBI bank and WHEN SHALL MY LOAN BE CLEARED. NOW I AM AT MERCY OF IDBI BANK

I attempted to withdraw money from SBI ATM at Varanasi Rly Station, however the money was not dispensed by the machine; now the bank customer claim that it was a successful transaction without providing any proof what so ever of the same. They have provided an ATM dispute reference no and no action has been taken till date (more than one month has elapsed. Is there some recourse I can take??

My self Kaipa Surendra Reddy subscriber of 6 nos IDBI FLEXI BONDS 22 option D, bearing the nos.[protected] to [protected] had not received my amount cheque on maturity. When enquired the person at ISIL informed to send a letter with address and bank details. The sam had been sent 3 months back and no communication received fro ISIL or IDBI.

I request to help get me the amount. My Details as below:
Account Number :[protected]
Bank : ICICI BANK

Postal Address:
Kaipa Surendra Reddy,
C-7, 601, Kunal Icon,
Pimple Saudagar,
Pune - 411 027.
Phone: [protected].

Thanks,
Surendra Kaipa

RE: (1) FOLIO NO.DD1127137 FAVOURING ASWATHI MARIE MATHEW

(2) FOLIO NO.DD1127139 FAVOURING THOMAS MATHEW PLACKATTU



REF : YOUR REF.ISIL/SERIES1-DDB/10705/1127137 DT.29 APR 09

& REF.ISIL/SERIES1-DDB/10706/1122139 DT.29 APR 09

(exercising your option to redeem these bonds)



With reference to the above I enclose herewith the following documents

1. Original Bond Certificate No.01374184 Favouring Aswathi Marie Mathew (daughter)

Folio No.DD01127137

Distinctive Nos.[protected] to[protected]

Issue Price Rs2,700/-



2. Original Bond Certificate No.01374186 Favouring Thomas Mathew Plackattu (son)

Folio No.DD01127139

Distinctive Nos.[protected] to[protected]

Issue Price Rs2,700/-