[Resolved] State Bank Of India [SBI] — home loan life surkhsa policy

 
3 Reviews
 ajayrastogi on Jan 6, 2018
The assistant general manager dated 30.11.2017
State bank of india-loan branch
Pragati - bhawan, phase-iii,
Urban-estate, patiala.

Subject:- false commitment by the bank authorities in regard sbi-life suraksha against my house loan account no.[protected] of rs. 5.00lac.

Dear sir,

Further to my letter on 06.09.2017 receipt by you on 09/09/2017. I wish to inform you there is no specific reply heard at your end till in the two month although i tried contact you for the above on mobile again and again.

Once again i humbly request you please consider the decision of the above issue in favor me because i am not able to pay rs. 1950/- extra in per month which has been imposed by the bank authorities without my approval/knowledge, now i am going to retire shorty and not getting an handsome pension amount to bear the extra insurance premium. This all the matter already explained to mr. Vinit sir as well as in my previous letter.

Thanking you and assure to get an favorable reply at your side as a valuable customer-bank relationship.

Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].

Housing loan account : [protected] of rs. 5.00la

Cc:- branch manager,
State bank of india
Court branch, distt court. Patiala 

The assistant general manager dated 06.09.2017
State bank of india-loan branch
Pragati - bhawan, phase-iii,
Urban-estate, patiala.

Subject:- false commitment by the bank authorities in regard sbi-life suraksha against my house loan account no.[protected] of rs. 5.00lac.

Dear sir,

I the undersigned continued adhered farmer sbop, now sbi since last 8-9 years for housing loan and paying regularly all the instalment without any leakage.

My first loan had been transferred from icici - bank to sbop, court branch, patiala during the year 2009 an amount rs. 2.03 lac. Due to credibility of fare house loan dealing without hidden charges, since the period of 2012 i have expanded further my loan amt. Of rs. 5.0lac for construction of 1st. Floor, in this subject all the processing of expansion of loan done at the loan branch were situated at near petrol-pump urban - estate phase-ii, patiala under the supervision a senior bank official mr. Hardeep singh, he added my wife name (Nidhi rastogi) as a co-partner for payment of loan in case any misshaping to get instalment as proportionally and get a sign of myself along with her in a sbi policy letter as asking us that the purpose is bank own interest, you should not worry about this policy, neither you may charge for any amt. Nor you pay any single penny as an instalment and also imposed us loan re-payment tenure period 15 years but i was insisted for 10 years..

Now, after 5 years, i just check my pass book of auto debit instalment during the aug-17, i stunned that an amt. Of rs.4900/- & rs.1912/- have been deducted for insurance payment without my knowledge, when i confirmed officially, then they told us that an insurance policy (Sbi suraksha) is adjoined in your loan a/c. I was surprised hence no such commitment assured by mr. Hardeep singh to pay any amount for insurance. Policy, how this amt. Can be charged me by the banks authorities.

Further i consulted from pragati bhawan banks official, they advised me, if you would have not been continued this policy then surrender it, but you have to pay policy amount of rs. 1.0 lac, otherwise rs. 1912/- you will be charged for next 10 years from your account.

Respected sir, the above totally false and mis commitment made by hardeep singh a senior bank official when he was well aware that i am private company (Fmgil-b. Rarh) employee and can’t pay instalment more than 6- 7 thousand, at present i can’t afford such type penalty amount of rs.1912/-pm except my loan instalment of rs.6500/-, now i am 58 years old and going to retire in coming months, there is no other source of income to pay the such insurance instalment for a long period for that reasons which has not committed by me, this is only caused

Contld..2

Of false clause imposed by your banks senior official without my knowledge, i once again request to you that i am not able to pay the above insurance instalment for a period of 10 years and also not a surrender value amount of rs. 1.0 lac like a penalty, which is based on wrong clause added by previous sbop authorities without any guidance.

I will be appreciate if look the matter with reasons and favored me.

Thanking you,

Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].

Cc:- branch manager,
State bank of india
Court branch, distt court. Patiala.
Dear sir,
Kindly do not deduct further any instalment of insurance payment of suraksha policy without intimating me in respect my loan a/c no. [protected]-ajay kumar rastogi/ nidhi rastogi.
Complaint marked as Resolved Jan 17, 2018
Mob. no- 099855782302-idea, 07973747245-JIO.

CONTACT ADDRESS :-
Ajay kumar rastogi,
2301, phase - ii, urban - estate, Patiala
Gmail.No. ajayrastogi59@g.mail co.

Complaint Status


[Jan 06, 2018] State Bank of India [SBI] customer support has been notified about the posted complaint.
Verified Support
State Bank of India [SBI] Customer Care's response, Jan 09, 2018
Dear Ajay,

We acknowledge your concern. Our team will connect with you shortly for further assistance.

Thanks & Regards,
SBI Life Insurance - Customer Care
Verified Support
State Bank of India [SBI] Customer Care's response, Jan 09, 2018
Dear Ajay,

We tried calling you on the provided contact number ending with 2302 however, it was not reachable. Kindly share your alternate contact details along with suitable time to call you to get it addressed.

Thanks & Regards,
SBI Life Insurance - Customer Care
Updated by ajayrastogi, Jan 10, 2018
Dear sir,
We meet your representative Mrs. Muskan after calling by the bank authorities at pragati Bhawan Premises, she suggested to surrender the surkhsa policy but the sbi authorities are not ready to reduce our insurance installment of Rs. 1912/-PM or pay Rs. 82.0 thousand in one lot because of double policy wrongly imposed us in our home loan amount by the loaning authorities for a small loan amount without our consent, this issue is already mentioned in my complaint letter which amount is not affordable us, therefore, kindly sort out lenient way for a customer care and human welfare to understand the point that a retired private employee has no source of monthly income to re-pay this penalty amount.

For contact purposes you can call me on mobile [protected] or meet my residence # 2301, phase-2, urban-estate, Patiala.

Thanking you with assurance your best co-operation in this regard.

Thanks,
yours Truly
Ajay Rastogi
# 2301, PHAS-II, URBAN ESTATE-PATIALA
Verified Support
State Bank of India [SBI] Customer Care's response, Jan 10, 2018
Dear Ajay,

We have forwarded above shared information however we are unable to contact you. We request you to provide us with your mobile number on our official email address - hcr@sbilife.co.in, since above mentioned contact number is not visible to us and protected on this forums for security reasons. Once mailed then please intimate us here along with your mailing address from which mail was sent so that our team can trace your mail and connect with you for further discussion.

Thanks & Regards,
SBI Life Insurance - Customer Care
Updated by ajayrastogi, Jan 11, 2018
Dear sir,
As you desired, we have lodged all information below in r/o correspondence made banks authorities as well as customer -care on-line, we hereby mention our mob no.contact address and gmail id also for further information, please.

Mob. no[protected]idea, [protected]-JIO.

CONTACT ADDRESS :-
Ajay kumar rastogi,
2301, phase - ii, urban - estate, Patiala
Gmail.No. ajayrastogi59@g.mail co.
Verified Support
State Bank of India [SBI] Customer Care's response, Jan 11, 2018
Dear Ajay,

We request you to email us your contact details on our official email address - hcr@sbilife.co.in, since above mentioned contact numbers is not visible to us and protected on this forums for security reasons. Once mailed then please intimate us here along with your mailing address from which mail was sent so that our team can trace your mail and connect with you for further discussion.

Thanks & Regards,
SBI Life Insurance - Customer Care
Updated by ajayrastogi, Jan 12, 2018
Dear Sir,

Desired information already sent thru above mentioned email address - hcr@sbilife.co by our personal g.mail no. ajayrastogi59@g.mail. com yesterday, in case you did not get it, please call me on [protected] or [protected] for you further requirement of data or provide your contact no...to clarify the matter and its solution.
Since you are very much aware in this case i have already been harassed and depressed to much as nobody is not hearing after knowing by every banks authorities that the process of passing above loan is done by a wrong way to impose double life surksha policy upon the customer of Rs. 82.0 thousand without any guidance or clause, that the same will be re-covered from you after 5 years with interest, what is formula of calculation of Insured amount, the customer will suffer with heavy penalty of Rs. 1912*12*10 =2.30 lac( insurance amount) just because of Rs. 5.0 lac loan.

If you agree with above recovery then i can say easily to breath and live a civilized middle men in modern india is very hard we should as-heme that are living in a progressive BHARAT.

Therefore, i may request you kindly provide me a proper solution of my query at least i should not feel a depression that i am dealing a Prominent Nationalized Bank.

Regards & Thanks

Ajay Kumar Rastogi
# 2301, phase-II, Urban Estate, Patiala
Mob no. [protected]..
Housing loan account : [protected] of rs. 5.00la
Updated by ajayrastogi, Jan 15, 2018
The General Manager
State Bank of India-Loan Authority
Regional Office,
Chandigarh,
Subject :- In regard wrong processing of Home Loan a/c No. [protected] of rs. 5.00la subject of double sbi life surksha policy.

Dear Sir,

We got your kind attention on above cited issue as a depressed but a very valuable customer, since form ist. week of sept.17 we are continuing showing our problem and a lot of time/ correspondence used to submit my logical issue against loan sanctioning authorities as mentioned below but unable to get any solution so far, hence every banks authorities knows a private old age customer can't be bear such penalty which has been imposed on wrong way, therefore, we require your needful help to sort out our critical issue, kindly pay the attention below mentioned issue :-.

Desired information already sent thru above mentioned email address -
hcr@sbilife.co by our personal g.mail no. ajayrastogi59@g.mail. com
yesterday, in case you did not get it, please call me on [protected] or
[protected] for you further requirement of data or provide your contact
no...to clarify the matter and its solution,

Since you are very much aware in this case i have already been harassed
and depressed to much as nobody is not hearing after knowing by every banks
authorities that the process of passing above loan is done by a wrong way
to impose double life surksha policy upon the customer of Rs. 82.0
thousand without any guidance or clause, the same will be re-covered from
you after 5 years with interest, what is formula of calculation of Insured
amount, the customer will suffer with heavy penalty of Rs. 1912*12*10 =2.30
lac( insurance amount) just because of Rs. 5.0 lac loan.

If you agree with above recovery then i can say easily to breath and live a
civilized middle men in modern india is very hard we should as-heme that we
are living in a progressive BHARAT.

Therefore, i may request you kindly provide me a proper solution of my
query at least i should not feel a depression that i am dealing a Prominent
Nationalized Bank.

Regards & Thanks

Ajay Kumar Rastogi
# 2301, phase-II, Urban Estate, Patiala
Mob no. [protected]..
Housing loan account : [protected] of rs. 5.00lac

On Fri, Jan 12, 2018 at 10:11 AM, ajay rastogi <ajairastogi59@gmail.com>
wrote:

> Dear Sir,
>
> Desired information already sent thru above mentioned email address -
> hcr@sbilife.co by our personal g.mail no. ajayrastogi59@g.mail. com
> yesterday, in case you did not get it, please call me on [protected] or
> [protected] for you further requirement of data or provide your contact
> no...to clarify the matter and its solution,
>
> Since you are very much aware in this case i have already been harassed
> and depressed to much as nobody is not hearing after knowing by every banks
> authorities that the process of passing above loan is done by a wrong way
> to impose double life surksha policy upon the customer of Rs. 82.0
> thousand without any guidance or clause, the same will be re-covered from
> you after 5 years with interest, what is formula of calculation of Insured
> amount, the customer will suffer with heavy penalty of Rs. 1912*12*10 =2.30
> lac( insurance amount) just because of Rs. 5.0 lac loan.
>
> If you agree with above recovery then i can say easily to breath and live
> a civilized middle men in modern india is very hard we should as-heme that
> we are living in a progressive BHARAT.
>
> Therefore, i may request you kindly provide me a proper solution of my
> query at least i should not feel a depression that i am dealing a Prominent
> Nationalized Bank.
>
> Regards & Thanks
>
> Ajay Kumar Rastogi
> # 2301, phase-II, Urban Estate, Patiala
> Mob no. [protected]..
> Housing loan account : [protected] of rs. 5.00lac
>
>
> On Thu, Jan 11, 2018 at 9:29 AM, ajay rastogi <ajairastogi59@gmail.com>
> wrote:
>
>>
>> Dear sir,
>> As you desired, we have lodged all information below in r/o
>> correspondence made banks authorities as well as customer -care on-line, we
>> hereby mention our mob no.contact address and gmail id also for further
>> information, please.
>>
>> Mob. no[protected]idea, [protected]-JIO.
>>
>> CONTACT ADDRESS :-
>> Ajay kumar rastogi,
>> 2301, phase - ii, urban - estate,
>> Patiala
>> Mob no. [protected]..
>> Housing loan account : [protected] of rs. 5.00la
>>
>> kindly protect my above mentioned loan a/c and do the needful help as i
>> am quite not assuring such type dealing of a Prominent Nationalize Bank.
>>
>> With Thanks & Regards,
>>
>> Yours Truly
>> AJAY RASTOGI
>>
>>
>> Cc:- branch manager,
>> State bank of india
>> Court- road, Patiala
The assistant general manager dated 06.09.2017
State bank of india-loan branch
Pragati - bhawan, phase-iii,
Urban-estate, patiala.

Subject:- false commitment by the bank authorities in regard sbi-life suraksha against my house loan account no.[protected] of rs. 5.00lac.

Dear sir,

I the undersigned continued adhered farmer sbop, now sbi since last 8-9 years for housing loan and paying regularly all the instalment without any leakage.

My first loan had been transferred from icici - bank to sbop, court branch, patiala during the year 2009 an amount rs. 2.03 lac. Due to credibility of fare house loan dealing without hidden charges, since the period of 2012 i have expanded further my loan amt. Of rs. 5.0lac for construction of 1st. Floor, in this subject all the processing of expansion of loan done at the loan branch were situated at near petrol-pump urban - estate phase-ii, patiala under the supervision a senior bank official mr. Hardeep singh, he added my wife name (Nidhi rastogi) as a co-partner for payment of loan in case any misshaping to get instalment as proportionally and get a sign of myself along with her in a sbi policy letter as asking us that the purpose is bank own interest, you should not worry about this policy, neither you may charge for any amt. Nor you pay any single penny as an instalment and also imposed us loan re-payment tenure period 15 years but i was insisted for 10 years..

Now, after 5 years, i just check my pass book of auto debit instalment during the aug-17, i stunned that an amt. Of rs.4900/- & rs.1912/- have been deducted for insurance payment without my knowledge, when i confirmed officially, then they told us that an insurance policy (Sbi suraksha) is adjoined in your loan a/c. I was surprised hence no such commitment assured by mr. Hardeep singh to pay any amount for insurance. Policy, how this amt. Can be charged me by the banks authorities.

Further i consulted from pragati bhawan banks official, they advised me, if you would have not been continued this policy then surrender it, but you have to pay policy amount of rs. 1.0 lac, otherwise rs. 1912/- you will be charged for next 10 years from your account.

Respected sir, the above totally false and mis commitment made by hardeep singh a senior bank official when he was well aware that i am private company (Fmgil-b. Rarh) employee and can’t pay instalment more than 6- 7 thousand, at present i can’t afford such type penalty amount of rs.1912/-pm except my loan instalment of rs.6500/-, now i am 58 years old and going to retire in coming months, there is no other source of income to pay the such insurance instalment for a long period for that reasons which has not committed by me, this is only caused

Contld..2

Of false clause imposed by your banks senior official without my knowledge, i once again request to you that i am not able to pay the above insurance instalment for a period of 10 years and also not a surrender value amount of rs. 1.0 lac like a penalty, which is based on wrong clause added by previous sbop authorities without any guidance.

I will be appreciate if look the matter with reasons and favored me.

Thanking you,

Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].

Cc:- branch manager,
State bank of india
Court branch, distt court. Patiala.
Dear sir,
Kindly do not deduct further any instalment of insurance payment of suraksha policy without intimating me in respect my loan a/c no. [protected]-ajay kumar rastogi/ nidhi rastogi.
Updated by ajayrastogi, Jan 15, 2018
Dear Customer Care Authorities,

Subject :- E.mail no. hcr@sbilife.co.

I have tried much to contact and sent mails to aforesaid number thru my personal ID -ajayrastogi59@g mail.com but unable to update the mails with response that email address - hcr@sbilife.co.in not existing.
LET ME KNOW CORRECT WAY OUT WHERE I PROCEED MY ISSUE OR WE TAKE THE MY PROBLEM THROUGH AN-OTHER FORUM, PLEASE ADVISE ME IN THIS REGARD.

I WILL BE APPRECIATED YOU FOR YOUR KIND SUGGESTIONS.
THANKS & REGARDS,

Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].
Updated by ajayrastogi, Jan 16, 2018
Dear sir,

I am continue to ask my concern subject to wrong processing of my sbi home loan a/c no. [protected]-in r/o of sbi life surksha policy but unable to get any response.
Once again i request to update the status of my complaints.
THANKS & REGARDS,

Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].
Updated by ajayrastogi, Jan 17, 2018
Dear Sir,

let me know a tentative date for further development in regard my sbi home loan query, or i sit silently to keep burden in my head that you can't be escaped to carry this heavy burden till your age of 70 years.

Kindly understand my issue to give a proper solution.
THANKS & REGARDS,

Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].
Updated by ajayrastogi, Jan 17, 2018
Complaint marked as Resolved Jan 17, 2018, ????????????

why this remarks is given to be fool me, when i have not get any call or solution of my problem, matter further considerable at your end, please

Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].
Updated by ajayrastogi, Jan 18, 2018
Dear Sir,
Kindly provide me update in regard my complaint of home loan with attached double SBI LIFE SURKSHA POLICY since i am continue reminding you.
Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].
Updated by ajayrastogi, Jan 18, 2018
ear Sir,
Kindly provide me update in regard my complaint of home loan with attached double SBI LIFE SURKSHA POLICY since i am continue reminding you.
Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].
Verified Support
State Bank of India [SBI] Customer Care's response, Jan 18, 2018
Dear Ajay,

We have not received any mail on our official email - hcr@sbilife.co.in from your above mentioned mailing address - ajayrastogi59@gmail.com till now. Our officials tried calling you multiple times on provided mobile numbers ending with 2302 & 7245 however, we were unable to connect with you. Please provide your contactable numbers with suitable time to call you to get it addressed.

Thanks & Regards,
SBI Life Insurance - Customer Care
Updated by ajayrastogi, Jan 19, 2018
Dear Sir,

Subject :- E.mail address hcr@sbilife.co and Mob calls.

Delivery has failed to these recipients or groups:
hcr@sbilife.co.
The format of the email address isn't correct. A correct address looks like this: someone@example.com. Please check the recipient's email address and try to resend the message.

To convey the msg. om above e.mail ID not possible, i have tried 15-20 times, timeserver delivery has failed with the aforesaid Remarks and in respect of calls on my mobiles ending no 2302 & 7245, i never received any call till the last month to on date if i say otherwise you can call my incoming calls data from Idea as well as from Jio.

Therefore, my respective Sir, if you some respect your esteemed & prominent Organization, kindly treat my matter fairly to understand my problem that your mistake is running on financial point of veiws hence i am going to retire from my job shortly and no other sources of income to bear it .

Please handle the matter in human way to look the above problem.
With Thanks & Regards,
Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].
[protected]-JIO
Verified Support
State Bank of India [SBI] Customer Care's response, Jan 19, 2018
Dear Ajay,

We tried calling you multiple times on the contact numbers provided ending with 2302 & 7245, however we were unable to connect with you. We request you to mail us your detailed complaint to our official email address - hcr@sbilife.co.in to enable us to address your concern. We are closing the post for now.

Thanks & Regards,
SBI Life Insurance - Customer Care
Updated by ajayrastogi, Jan 20, 2018
Dear Sir,
Today I able to upload the details of complaints in the mail ID hcr@sbilife.co.in, but i still not received any calls on my mob. no.[protected] or [protected].
If you may help me so i clarify all the issue in a manner.
With Thanks & Regards,
Yours truly,

Ajay kumar rastogi,
2301, phase - ii, urban - estate,
Patiala
Mob no. [protected].
[protected]-JIO
Updated by ajayrastogi, Feb 12, 2018
Dear Sir,
In regard compaint against my house-loan ref. no.[protected]SBI LIFE and your Token No.[protected], i am still not here anything about since 20.1.2018, kindly do the needful help at your end, i have mailed a reply to SBI LIFE at their quoted e-mail address but they are accepting my reply with following comments :-

ReferenceNumber:SR.No. 08493263

IRDA Token Number:[protected]

Sub: SBI Life Policy Number -double policy imposed in my home loan.

Your message wasn't delivered to donotreply_crm@sbilife.co.in because the address couldn't be found, or is unable to receive mail.

Dear Sir / Madam,

Till date i am not here any satisfactory reply at your, hence i am going to stop payment with a request to bank to not further deduct in regard the payment of S B I LIFE POLICY monthly installment because day by day i am feeling very much depression for this forcibly imposed payment .

therefore, i once again request you to please provide me a proper solution to understand my logical problem with age factor or advise me to pursue the matter from an-other Forum.

Thanking you,

YOURS VERY TRULY

Ajay Kumar Rastogi
# 2301, phase-II, Urban -Estate
Updated by ajayrastogi, Feb 15, 2018
Dear sir,

What is the use of sending of such below complementary word when i am not getting any satisfactory reply from their end till date, matter is advisable at your end, please.:-

Mr. / Ms. Ajay kumar rastogi

2301, phase - ii, urban - estate,

Patiala, Punjab

147111

ReferenceNumber:SR.No. 08493263

IRDA Token Number:[protected]

Sub: SBI Life Policy Number

Dear Sir / Madam,

We thank you for choosing SBI Life as your preferred insurer and are delighted to have you as our esteemed customer.

We are in receipt of your complaint. This has been registered with the captioned reference number till the resolution.

You shall be intimated of resolution within 15 days. Request you to kindly bear with us in the interim.

We value customer patronage and assure you of our best services at all times.



Yours Sincerely

Ms. Richa Chhabra

Manager

[protected]
Complaint comments  2 Comments     Updated: Share0Tweet0Share0

Comments

Dear Sir,
please note the calculation re-payment of my home loans of just Rs. 5.0 lac after continuing this surksha policy up to loan tenor period of 15 years as 6500*12*15=11.70 lac+ 1912*12*10=2.295 lac, total payment amount is Rs.13.995 lac or 14.0Lac.

The above calculation is showing that we are not breathing in modern india, we compare this old 'Jimidaari" custom or" Marvarri loan custom", where the re-payment can't be ended its payable at generation to generation.
So kindly look my submission with fairly a like human being hence i am going to retire shortly with getting only PF pension amount of Rs.2500 to 3000/- PM. this double payment can not be affordable me after normal survival.

Thanking you,

Ajay Kumar Rastogi.
#2301, ph-II, urban -Estate-Patiala
Dear Sir,
In regard compaint against my house-loan ref. no.[protected]SBI LIFE and your Token No.[protected], i am still not here anything about since 20.1.2018, kindly do the needful help at your end, i have mailed a reply to SBI LIFE at their quoted e-mail address but they are accepting my reply with following comments :-

ReferenceNumber:SR.No. 08493263

IRDA Token Number:[protected]

Sub: SBI Life Policy Number -double policy imposed in my home loan.

Your message wasn't delivered to donotreply_crm@sbilife.co.in because the address couldn't be found, or is unable to receive mail.

Dear Sir / Madam,

Till date i am not here any satisfactory reply at your, hence i am going to stop payment with a request to bank to not further deduct in regard the payment of S B I LIFE POLICY monthly installment because day by day i am feeling very much depression for this forcibly imposed payment .

therefore, i once again request you to please provide me a proper solution to understand my logical problem with age factor or advise me to pursue the matter from an-other Forum.

Thanking you,

YOURS VERY TRULY

Ajay Kumar Rastogi
# 2301, phase-II, Urban -Estate

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