Its fact... This is actually a fraud company... I don't understand how come kotak & dbs approve them to use their logo... No numbers are contactable... Till the time you don't make the initial payment they are very much call u and tell u about the process, once you make them a payment and sign the nach, there will no contact point, their phones are not reachable... So my experience is bad and i don't suggest anyone to buy product from this company.