Month: February 2021

List of Banks Offering Highest Interest Rates On Fds

Personal Finance

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Why bank fixed deposits are considered as safe?

Bank Fixed Deposit is the safest financial product because deposits up to Rs 5 lac are covered by insurance, including principal and interest.

For example, if an individual had a principal account of 4,94,000 plus accrued interest of 5,000, the total amount insured by the DICGC would be 4,99,000. If, however, the principal amount in that account was Rs 5,00,000 the interest part will not be covered as it will be above the insurance limit per bank.

Tax on Fixed Deposit

Tax on Fixed Deposit

Earnings on bank deposit interest attract tax in the form of Tax Deducted at Source (TDS). Prior to paying the interest to the receiver, the banker deducts TDS from the interest on deposits.

If the total interest on such deposits exceeds Rs 40,000 per year per bank branch per individual, TDS is levied on bank deposits. (Rs 50,000 in the case of an elderly person). If you fall below the tax slab and apply Form 15G or 15H to the bank to claim TDS-free income, TDS will not be deducted from the bank.

Things to consider before opting for a Bank FD:

Things to consider before opting for a Bank FD:

  • Interest rate offered
  • Loan against FD
  • Premature withdrawal rules
  • Interest Payout Frequency
  • Senior Citizen Offer
  • Type of Fixed Deposit

List of banks offering the highest interest rates on Fds, for a deposit up to Rs 1 crore.

6 months- 1 year(%) 1-2 years(%) 2-3 years(%) 3-5 years(%) 5 years and above(%) Senior Citizen(%)
DCB Bank 5.95 6.05-6.70 6.5 6.75 6.75 4.75-7.25
Yes Bank 5.50-5.75 6.25-6.50 6.5 6.75 6.75 4.00-7.50
IndusInd Bank 4.5-5.75 6.5 6.5 6.5 6.75 4.50-6.80
RBL Bank 5.25-5.75 6.5 6.5 6.25-6.75 6.25 5.75-7.25
Karur Vysya Bank 4.75-5 5.5 5.5 5.65 5.65-6 6-6.15
Union Bank of India 4.30-4.50 5.25-5.30 5.30-5.50 5.50-5.55 5.55-5.60 3.50-6.10
Karnataka Bank 5.2 5.3 5.30-5.55 5.55 5.55-5.70 3.80-5.95
Canara Bank 4.45 5.2 5.4 5.5 5.5 4.50-6.14
Axis Bank 4.5-5.15 5.10-5.25 5.4 5.4 5.5 4.5-5.90
South Indian Bank 5 5.4 5.4 5.5 5.5 5.50-6
Federal Bank 3.75-4.40 5.10-5.35 5.35 5.35 5.5 05/06/21
SBI 4.4 5 5.1 5.3 5.4 4.90-5.80



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Govt should strengthen PSBs instead of privatisation: AIBEA

Banking & Finance

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The Government should strengthen public sector banks (PSBs) by helping them recover bad loans instead of privatising them, according to the All India Bank Employees’ Association (AIBEA).

“The only problem PSBs facing is bad loans. Most of the bad loans are due to the corporates and rich industrialists,” said CH Venkatachalam, General Secretary, AIBEA, in a statement. He underscored that the Government should support PSBs, take action against the defaulting corporates and industrialists, and not privatise the banks.

“Many private sector banks have collapsed in our country. Last year YES Bank was in trouble, and through eight financial intermediaries, including State Bank of India, that bank was rescued. Recently, Lakshmi Vilas Bank, another private sector bank, got into trouble, and it was given to a foreign bank. Hence, one cannot accept that private sector banks are very efficient,” said Venkatachalam.

The Association General Secretary observed that only public sector banks give loans to common people, poor people, agriculture, small-scale sectors, etc. Private banks help only the big corporates, he alleged. “Public sector banks give permanent jobs to young unemployed. In private banks, it is only contract jobs.”

“Private banks will not open branches in rural areas. Only public sector banks have opened thousands of branches in the villages,” he said. He feared that if PSBs are privatised, rural branches will be closed in the name of cost-saving.

With 75 per cent of total branches in the country, public sector banks have opened 40.50 crore Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts, but private sector banks, with 25 per cent of the total branches, have opened only 1.25 crore PMJDY accounts.

Also read: Govt could raise up to ₹12,800 cr if it divests in 2 PSBs: CARE Ratings

“Total deposits in the banking sector today is 146 lakh crore. This is hard-earned public savings. We cannot allow private hands to play with this huge public savings. Hence privatisation is a bad idea. If the Government is serious about economic development, public sector banks should be strengthened,” he added.

The United Forum of Bank Unions, the umbrella body of nine trade unions in the banking sector, has called for a strike on March 15 and 16 to protest against the Government’s decision to privatise two PSBs.

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3 Fixed Income Options That May Offer Stability

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Investment

oi-Roshni Agarwal

|

While compelling gains from the stock market as well as phenomenal last year’s gains of 28% from gold and better prospects for the real segment, undoubtedly propel you to add these financial instruments to your overall portfolio, you shall be better off investing in fixed income assets. And here we list some such instruments that offer stability to your portfolio in times of unexpected crisis.

3 Fixed Income Options That May Offer Stability

3 Fixed Income Options That May Offer Stability

Now before we suggest some good fixed income options:

Here we list out some of the benefits of fixed income avenues:

1. Consistent income flow by way of interest income

2. Helps beat inflation supposing inflation to be at 6 percent as was seen recently the value of Rs. 1 lakh will be hit tremendously.

3. Fixed income instruments also enable diversification of investors’ funds.

Now other than the usual and most preferred bank fixed deposits, investors can go for other highly safe avenues that can either offer return as a whole on maturity or may be offering it on a regular basis.

1. Cumulative company deposits:

Both public and private enterprises come out with such deposits and what is here worrisome is that there can be a credit rating change for them over time. Hence they come with some risk element.

Company fixed deposit Tenure Interest Rate
Shriram City Union Finance 5 years 8.09% (0.4% extra for senior citizens)
PNB Housing Finance 5 years 6.7% (0.25% addition rate to senior citizens
Shriram Transport 5 years 8.09% (0.4% extra for seniors)
Bajaj Finance 5 years 7% (0.25% extra for seniors)

2. Zero coupon bonds:

These are offered at a deep discount to the face value and on redemption or at maturity, face value is given to the investors. Hence such fixed income options are also referred as deep discount bonds.

Here importantly investors do not get any interest pay out. And the difference between the buying price and the face value is the gains for the investor.

These investments are an easy option as they don’t need much of monitoring and investors using such an investment can target funds at a given time say at a futuristic period at the time of child’s education or marriage.

3. Tax-free bonds:

Another safe investment option, tax free bonds offer interest income which is tax free. Companies like Rural Electrification, HUDCO and some other PSU majors float their issues and offer an interest of 8% or so on an annual basis.

But in case of tax free bonds, if they are redeemed in the secondary market and investor makes any capital gains then the same qualify for short or long term capital gains tax which is depending on the holding period. If the holding period is less than one year then tax at the rate of individual’s slab rate applies. And if the holding period is of over a year then LTCG tax @ 10% without indexation becomes applicable.

In tax free bonds, there is offered less liquidity and they come with a lock-in.

Tax free bonds that provide tax-free interest are suitable for conservative retiree or senior citizens looking for regular income investor class who falls in the highest tax slab of 30%. Other investor categories who can consider investment in tax free bonds include HUFs, HNIs, qualified institutional investors and cooperative banks.

Tax free bonds come with a better return rate and investors can invest up to Rs. 5 lakh in tax free bonds. Also, as these are primarily issued by government backed entities, these are highly safe and carry low default risk.

GoodReturns.in



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Indian Bank inks MoU with IISc arm for funding start-ups, MSMEs

Banking & Finance

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Indian Bank has entered into an MoU with Society for Innovation and Development (SID), an initiative of Indian Institute of Science, Bengaluru, for extending exclusive credit facility to start-ups and MSMEs.

SID is the forerunner in setting up joint R&D with industries and supporting start-up incubation and it provides support to the MSME sector by providing joint research and development arrangements, technical and financial support for incubation, acceleration of high-end technology products under its department named “TIME2.” (Technology Innovation for Midsized Enterprises).

Under the MoU, SID will identify the start-ups and MSMEs based on their credentials and past experience and will refer to the list of such members who require financial assistance to the Bank.

The initiative is a part of the bank’s scheme “Ind Spring Board for financing Start-ups” and will empower start-ups and MSMEs to realise their research efforts powered by financial support from the bank and backed by incubation facilities offered by SID.

The bank will extend loans of up to ₹50 crore to these start-ups for their working capital requirements or for purchase of machinery, equipment, etc. This initiative, which is mutually beneficial for the bank and IISc, will be the springboard for start-ups to realise their ambitions.

Indian Bank had also recently launched “MSME Prerana” programme to empower MSME entrepreneurs through skill development and capacity building workshops in local languages.

The MoU was signed by Sudhakar Rao (GM, MSME, Indian Bank) and Prof B Gurumoorthy, Chief Executive, SID. Representatives of Indian Bank. Rohit Rishi (FGM, Bengaluru), and P Lakshmi Narayana (ZM, Bengaluru) along with representatives of SID, Yatishwar Dravid (Head of TIME2) and Prathap Murthy (Manager, TIME2) was also present.

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Reserve Bank of India – Tenders

Tenders

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E Tender No. RBI/Guwahati/Issue/19/20-21/ET/578

The Regional Director, Reserve Bank of India, Guwahati (RBI Guwahati) invites tenders from reputed, experienced and license holder labour contractors for supply of sufficient number of adult and able bodied labourers / mazdoors for loading, unloading, weighing, carting, stacking of coin bags/note boxes and also for miscellaneous incidental items of work in the premises of the RBI Guwahati including loading, unloading, stacking of coin bags/note boxes at Railway Stations / Airports or any premises identified by RBI Guwahati.

The period of contract will initially be for one-year w.e.f. April 01, 2021 and may be extended by RBI Guwahati at its opinion for a further period of two years, one year each at a time with or without any variation in the terms and conditions, subject to satisfactory performance of the contractual terms and conditions.

Regional Director
Reserve Bank of India

Guwahati
Date: February 19, 2021

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U GRO Capital launches GRO Micro, adds 25 branches

Banking & Finance

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U GRO Capital has launched a dedicated distribution channel called GRO Micro to help lending services for the unorganised micro businesses in non-metro markets.

It has expanded its distribution network by adding 25 branches across five States — Karnataka, Tamil Nadu, Gujarat, Telangana and Rajasthan.

U GRO Capital sees disbursements at pre-Covid-19 level

Shachindra Nath, Executive Chairman and Managing Director, U GRO Capital, said the company aims to reach over five lakh small businesses across these five States through the launch of GRO Micro.

Covid-19 lockdowns: How much did the unorganised sector lose?

“We intend to carry our experience from these locations and expand our network by a further 75 branches by the end of 2021-22,” he further said.

Small-ticket loans

“The company aims to offer small-ticket loans secured against property, as well as unsecured loans, to micro businesses to help them in sustenance and stability in the post-pandemic era, meet their working capital needs to fix broken cash flows and cater to their business expansion needs,” it said in a statement.

With GRO Micro, U GRO Capital now has an extensive network of 34 branches and presence in eight States across the country.

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Reserve Bank of India – Tenders

Tenders

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E-tender is invited by the Reserve Bank of India for Providing Unarmed Security Guards to its various properties at Kochi – (a) Reserve Bank of India, Ernakulam North, Kochi – 682018, (b) Reserve Bank Officers’ Quarters, Ernakulam North, Kochi – 682018 and (c) Reserve Bank Staff Quarters, Judges Avenue, Kaloor, Kochi – 682017. The tendering would be done through the e-Tendering portal of MSTC Ltd (http://mstcecommerce.com/eprochome/rbi). The Schedule of e-Tender is as follows:

a. e-Tender Name: E-Tender for Providing Unarmed Security Guards to the various properties of Reserve Bank of India at Kochi – (a) Reserve Bank of India, Ernakulam North, Kochi – 682018, (b) Reserve Bank Officers’ Quarters, Ernakulam North, Kochi – 682018 and (c) Reserve Bank Staff Quarters, Judges Avenue, Kaloor, Kochi – 682017
b. e-Tender no: RBI/Kochi/Estate/381/20-21/ET/584
c. Mode of Tender e-Procurement System
(Part I – Techno-Commercial Bid and Part II – Financial Bid through www.mstcecommerce.com/eprochome/rbi)
d. Date of NIT available to the parties to download 06:00 hrs on February 19, 2021 onwards
e. Pre-Bid meeting (Offline) 11:00 hrs on March 01, 2021 at Reserve Bank of India, Ernakulam North, Kochi – 682018
f. Uploading the outcome of Pre-bid meeting on to RBI website in the form of addendum, corrigendum, etc. On or before March 03, 2021
g. Estimated cost of work Approximately ₹63,80,000/- including GST
h. Earnest Money Deposit (EMD) ₹1,27,600/- (₹ One lakh Twenty Seven thousand Six hundred only) by Demand Draft, in favour of Reserve Bank of India, Kochi to be delivered in physical form at HRMD, Reserve Bank of India, Kochi – 682018

OR

₹1,27,600/- (₹ One lakh Twenty Seven thousand Six hundred only) by NEFT:

Beneficiary Name:
KOCHIHRMD(space)Bidder’s name
Beneficiary Account Number: 8614038
Beneficiary IFSC: RBIS0KCPA01
Remarks: SECURITY RBI KOCHI
i. Due date for submission of EMD Up to 17:00 hrs on March 12, 2021
j. Bidding Start Date (Techno- Commercial & Financial Bid) www.mstcecommerce.com/eprochome/rbi 10:00 hrs on March 04, 2021
k. Date of closing of online e-tender for submission of Techno-Commercial Bid & Financial Bid 14:00 hrs on March 15, 2021
l. Date & time of opening of Part-I (i.e. Techno-Commercial Bid)

Date & Time of opening of Part- II (i.e. Financial Bid)

 15:00 hrs on March 15, 2021

Opening of Financial Bid shall be intimated to all eligible bidders.
m. Transaction Fee As applicable and charged by MSTC Ltd.
Payment of Transaction fee through MSTC Gateway /NEFT / RTGS in favour of MSTC Limited or as advised by M/s. MSTC Ltd

Applicants desirous of submitting the tender will have to satisfy the Bank by submitting documentary evidence in support of the requisite eligibility. Otherwise the Bank reserves the right to reject their candidature. Tenders without EMD will not be accepted under any circumstances will EMD-less tenders be accepted.

Bank is not obliged to accept tender of low value only. The Bank reserves the right to accept a tender in whole or in part thereof. The Bank also reserves the right to reject all tenders without assigning any reason.

Amendments / Corrigendum to be made in the tender, if any is issued in future, the information will be notified only in the RBI website and the said MSTC website and will not be published in newspapers.

The General Manager (Officer-in-charge)
Reserve Bank of India
Kochi

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Reserve Bank of India – Tenders

Tenders

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SCHEDULE OF TENDER (SOT)

E-tender is invited by the Reserve Bank of India to provide Integrated Facility Management Services at (a) Reserve Bank of India, Ernakulam North, Kochi – 682018, (b) Reserve Bank Officers’ Quarters, Ernakulam North, Kochi – 682018 and (c) Reserve Bank Staff Quarters, Judges Avenue, Kaloor, Kochi – 682017. The tendering would be done through the e-Tendering portal of MSTC Ltd (http://mstcecommerce.com/eprochome/rbi). The Schedule of e-Tender is as follows:

a. e-Tender Name: Tender for Integrated Facility Management Services for the Bank’s various properties located at Kochi – (a) Reserve Bank of India, Ernakulam North, Kochi – 682018, (b) Reserve Bank Officers’ Quarters, Ernakulam North, Kochi – 682018 and (c) Reserve Bank Staff Quarters, Judges Avenue, Kaloor, Kochi – 682017
b. e-Tender no: RBI/Kochi/Estate/380/20-21/ET/583
c. Mode of Tender e-Procurement System
(Part I – Techno-Commercial Bid and Part II – Financial Bid through
(www.mstcecommerce.com/eprochome/rbi)
d. Date of NIT available to the parties to download 06:00 hrs on February 19, 2021 onwards
e. Pre-Bid meeting (Offline) 11:00 hrs on February 25, 2021 at Reserve Bank of India, Ernakulam North, Kochi – 682018
f. Uploading the outcome of Pre-bid meeting on to RBI website in the form of addendum, corrigendum, etc. On or before February 27, 2021
g. Estimated cost of work Approximately ₹ 70,00,000/- including GST
h. Earnest Money Deposit (EMD) ₹ 1,40,000/- (₹ One lakh Forty thousand only) by Demand Draft, in favour of Reserve Bank of India, Kochi to be delivered in physical form at Premises Section, Reserve Bank of India, Kochi – 682018

OR

₹ 1,40,000/- (₹ One lakh Twenty thousand only) by NEFT:
Beneficiary Name: KOCHIESTATE(space)Your company/agency/firm name
Beneficiary Account Number: 8614038
Beneficiary IFSC: RBIS0KCPA01
Remarks: IFMS RBI KOCHI
i. Due date for submission of EMD Up to 17:00 hrs on March 10, 2021
j. Bidding Start Date (Techno- Commercial & Financial Bid)
www.mstcecommerce.com/eprochome/rbi		 10:00 hrs on February 28, 2021
k. Date of closing of online e-tender for submission of Techno- Commercial Bid & Financial Bid 10:00 hrs on March 12, 2021
l. Date & time of opening of Part-I (i.e. Techno-Commercial Bid)

Date & Time of opening of Part- II (i.e. Financial Bid)

 11:00 hrs on March 12, 2021

Opening of Financial Bid shall be intimated to all eligible bidders.
m. Transaction Fee As applicable and charged by MSTC Ltd.
Payment of Transaction fee through MSTC Gateway /NEFT / RTGS in favour of MSTC Limited or as advised by M/s. MSTC Ltd

Applicants desirous of submitting the tender will have to satisfy the Bank by submitting documentary evidence in support of the requisite eligibility. Otherwise the Bank reserves the right to reject their candidature. Tenders without EMD will not be accepted under any circumstances will EMD-less tenders be accepted.

Bank is not obliged to accept tender of low value only. The Bank reserves the right to accept a tender in whole or in part thereof. The Bank also reserves the right to reject all tenders without assigning any reason.

Amendments / Corrigendum to be made in the tender, if any is issued in future, the information will be notified only in the RBI website and the said MSTC website and will not be published in newspapers.

The General Manager (Officer-in-charge)
Reserve Bank of India
Kochi

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Reserve Bank of India – Tenders

Tenders

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E-tender is invited by the Reserve Bank of India for Management and housekeeping (including catering) of the Bank’s Transit Holiday Homes (THH) / Visiting Officers’ Flats (VOF) at Kochi. The tendering would be done through the e-Tendering portal of MSTC Ltd (http://mstcecommerce.com/eprochome/rbi). The Schedule of e-Tender is as follows:

a. e-Tender Name: E-Tender for Management and housekeeping (including catering) of Transit Holiday Homes (THH) / Visiting Officers’ Flats (VOF) of Reserve Bank of India at Kochi.
b. e-Tender no: RBI/Kochi/Estate/383/20-21/ET/586
c. Mode of Tender e-Procurement System
(Part I – Techno-Commercial Bid and Part II – Financial Bid through (www.mstcecommerce.com/eprochome/rbi)
d. Date of NIT available to the parties to download 06:00 hrs on February 19, 2021 onwards
e. Pre-Bid meeting (Offline) 15:00 hrs on February 26, 2021 at Reserve Bank of India, Ernakulam North, Kochi – 682018
f. Uploading the outcome of Pre-bid meeting on to RBI website in the form of addendum, corrigendum, etc. On or before March 02, 2021
g. Estimated cost of work Approximately ₹ 38,00,000/- including GST
h. Earnest Money Deposit (EMD) ₹ 76,000/- (₹ Seventy thousand only) by Demand Draft, in favour of Reserve Bank of India, Kochi to be delivered in physical form at HRMD, Reserve Bank of India, Kochi – 682018

OR

₹ 76,000/- (₹ Seventy thousand only) by NEFT:
Beneficiary Name: KOCHIHRMDBidder’s name
Beneficiary Account Number: 8614038
Beneficiary IFSC: RBIS0KCPA01
Remarks: THHVOF RBI KOCHI
i. Due date for submission of EMD Up to 17:00 hrs on March 12, 2021
j. Bidding Start Date (Techno-Commercial & Financial Bid) www.mstcecommerce.com/eprochome/rbi 10:00 hrs on March 03, 2021
k. Date of closing of online e-tender for submission of Techno-Commercial Bid & Financial Bid 10:00 hrs on March 15, 2021
l. Date & time of opening of Part-I (i.e. Techno-Commercial Bid)

Date & Time of opening of Part- II (i.e. Financial Bid)

 11:00 hrs on March 15, 2021

Opening of Financial Bid shall be intimated to all eligible bidders.
m. Transaction Fee As applicable and charged by MSTC Ltd.
Payment of Transaction fee through MSTC Gateway /NEFT / RTGS in favour of MSTC Limited or as advised by M/s. MSTC Ltd

Applicants desirous of submitting the tender will have to satisfy the Bank by submitting documentary evidence in support of the requisite eligibility. Otherwise the Bank reserves the right to reject their candidature. Tenders without EMD will not be accepted under any circumstances will EMD-less tenders be accepted.

Bank is not obliged to accept tender of low value only. The Bank reserves the right to accept a tender in whole or in part thereof. The Bank also reserves the right to reject all tenders without assigning any reason.

Amendments / Corrigendum to be made in the tender, if any is issued in future, the information will be notified only in the RBI website and the said MSTC website and will not be published in newspapers.

The General Manager (Officer-in-charge)
Reserve Bank of India
Kochi

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Companies that Buy your Old Gold for Cash

Personal Finance

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Muthoot Gold Point

Muthoot Gold Point is a unit of Muthoot Exim, offering an easy experience of selling your old Gold for instant cash. The entire process happens in front of you such as multilevel scientific testing for exact Gold value only, Cleans the Gold with an ultrasonic machine to get an accurate weight and the company uses high-quality crucibles which do not retain any Gold after melting.

Note that amount up to Rs 10,000 is given as cash. Amounts higher than Rs 10,000 will be instantly paid to your bank account via NEFT/IMPS/RT.

WhiteGold India

WhiteGold India

WhiteGold India uses German Technology to get accurate gold purity measurements. They also release gold from the bank and financial institutions and release the gold for customers. They have branches in Tamil Nadu, Karnataka, and Kerala. If you are looking to sell your gold coins or jewellery, visit the branch along with the purchase receipt and your ID Proof. They buy the gold at the best daily price and transfer the money to your bank account.

AkshayaGold Company

AkshayaGold Company

All AKshayaGold divisions are well equipped with modernized German XRF technologies to easily and reliably evaluate the purity of gold. At Akshaya Gold, they buy all sorts of gold and gold-related things such as jewelry, coins, and bullion. The company also buys diamonds, silver, and platinum along with gold. The branches are available in Bangalore and Chennai.

AtticaGold company

AtticaGold company

AtticaGold Company was established in the year 2013. Their gold buying schemes are very flexible and popular. The company claims that there will be no unnecessary deductions and no hidden charges. There are around 200+ branches across the country.

It uses German technology purity checking machines with perfect accuracy. It also offers other services like pledge gold, release pledge gold, gold finance, and transfer pledge gold. They have branches in Karnataka, TamilNadu, Andhra Pradesh, Telangana, and Pondicherry.

DGold

DGold

DGold buys gold in the form of jewelry, bars, and coins. If you are looking to dispose of your gold and turn it into cash, you can visit DGold company. They offer a Gold Buyback Scheme where you can sell your gold jewelry today and buy it back by paying it back within 30 or 60 days. However, in order to make use of this service, the seller must apply for this option at the time of the sale of gold. Note that PAN & Aadhar card is mandatory for the valuation above Rs 50,000. At DGold the transactions are instant, all payments are made by IMPS, Neft, Rtgs, or Cash.

By sending a WhatsApp message to the firm, you can also get an instant gold price, which will help you to determine whether to sell your gold or not.

Benefits of selling at these companies

Benefits of selling at these companies

  • Gold buying companies pay you cash or can credit the selling proceeds to your account.
  • They have German gold checking machines to check for purity and weight.
  • To achieve the net gold weight, the weight of beads and other non-gold objects will be removed.
  • These firms pay you the current rates of gold along with deducting their fees.

Taxation on gold

Taxation on gold

Note that there is a tax you need to pay when you sell gold. As per the tax slab, the short-term capital gains tax will apply. The short term is described as a sale within three years.

Long-term capital gains would be applicable when you sell the jewelry after a period of 2 years.

Documents required to sell gold jewellery

Aadhar Card, residence proof, and a PAN card are a must before you sell gold. Passport Size Photograph and receipt of gold are also required.

GoodReturns.in



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