DRT  Legal  Solutions

(Debts Recovery Tribunal Legal Solutions) is an India based

Law Firm since 2000 specializing in DRT, Securitisation, Sarfaesi & Defense of Borrowers in Debts Recovery Tribunals

Pioneer in Counter-claims and Damage Suits based on Law of Torts and Law of Damages.

Law of Damages also applied in cases of Defamation & Real Estate (RERA Act 2016)

Phones (India) - Mobile - +91-9691103689, Off. & Res. +91-731-4049358

E-mail :- ramkishandrt@gmail.com  Web Site :- www.drtsolutions.com

 DRT Solutions - About Us, Debt Recovery Tribunal

Home Page, DRT Solutions, SARFACIE, Counter-claimContentsProducts & ServicesFrequently Asked QuestionsUseful Article-BorrowersUseful Article-GuarantorsRBI GuidelinesNotes-Law of TortsNotes-DamagesMiniArticles-Letters to EditorUseful Interactions with Clients & VisitorsSecuritisation Act-CommentsAbout Us-DRT SolutionsUseful Tips for DRT Advocates|| 138 NI Act Cheque Dishonour Cognizance Acquittal | NCLT, National Company Law Tribunal, BIFR, SICA  |  Video Interview - BS Malik, Sr. Supreme Court AdvocateLegal Forum of IndiaSuccess & Results of Our GuidanceDRT Orders in favour of Borrowers & GuarantorsOur Replies to Queries  on Current DRT Matters, Court Decisions etc.Measure of damages & Calculations under Torts & ContractsVideo Interview - GC Garg, Ex-Senior Bank OfficialSolar Healing, Yoga, Projector, Rebirth etc.Court Technologies IT Presentation Video ArgumentsArchiveDRT Solutions Weekly Mail for Borrowers & Guarantors   All India DRT Conference 2011 at IndoreArticle by Ram Kishan on Management & Technology in Indian JudiciarySARFAESI Securitisation Securitization Actar SA NPADRT Judgments Favourable / Useful to Borrowers  DRT Solutions - Site Map for Borrowers & GuarantorsLaughter Yoga by Ram Kishan, IndoreDr Kataria Indore Visit - Plan, Progress & Record  Keto Diet Vegan I.F.- Personal Experience Age 79 Yrs

Weekly Mails - 1-10  11-20  21-30  31-40  41-50  51-60  61-70  71-80 81-90 91-100 101-110 111-120 121-130 131-140 141-150 151-160 161-170 171-180 181-190 191-200 201-210 211-220 221-230 231-240 241-250 251-260  261-270  271-280 281-290 291-300 301-310 311-320 321-330 331-340 341-350 351-360 361-370 371-380 381-390 391-400 401-410 411-Latest


Expert in:- DRT, Counterclaim, securitization, debt recovery tribunal, NCLT  matters





Govt and RBI have framed Special Policies to help Borrowers affected by Pandemic Corona-19  The Pandemic Corona-19 has seriously affected the business all over the world. Government of India took special actions to help the borrowers affected by the said Pandemic Corona-19. The RBI constituted special Committee known as Kamath Committee which framed special RBI Circulars to help the affected borrowers. At the instance of the said circulars, the Board of the lenders had to issued special "Board Approved Policy" to help the assisted borrowers. In such cases, if proper pleadings are prepared, the said borrowers will definitely win their cases in DRTs. We have handled such cases. The affected borrowers may contact us on our M-9691103689.

DRT Cases particularly those who have just received notices u/s 13(2) or 13(4) will be greatly benefited if they ring to us at Mob - 9691103689 (from 11AM to 6 PM on weekdays:- You get instantaneous advice on the said mobile no.

Best Approach in DRTs for Borrowers & Guarantors :-  (1) If you are our client, our consultation is available to you at any time on 24/7 basis. (2) We encourage you to acquire basic knowledge so that you may interact with us as well as your advocate properly. (3) We insist that you must always be present in the Court along with your advocate. You get instantaneous advice on our mobile no. 9691103689 .

Safeguards under Sec 14 of Sarfaesi Act - Pl contact us on phone as soon as you received notice under Sec 13(2) of Sarfaesi Act, we shall advice you for necessary precautions and safeguards.


Damages and Compensation to Allottees in Real Estate - RERA Act 2016:-  The field of Real Estate has been ruled by the Promoters by operating a Salers' Market in league with the bureaucracy of the local authorities. The RERA Act 2016 has changed the complete scene. Recently we got an opportunity to study the various legal and procedural aspects. Accordingly we have prepared  loss and damage claim (more than Rs 34 crores) on behalf of an allottee for a 3 bedroom flat in Indore. This claim will be filed under Sec 12 of the RERA Act 2016. Interested persons may discuss various aspects on phone. Impact of SARFAESI and RERA Acts - RERA is a subsequent Act and the interests of Allottees are to be given priority. In certain instances, the financial institutions may assume role of Promoters after considerations of all factors. RERA is a powerful enactment. It is a consolidation and continuation of all the real estate laws. Whenever you intend to buy a flat, please study complete details from the RERA website, examine other projects of the promoter, meet the residents, study the law involved, study the documents etc before making any payment. The promoters make tall claims, their impressive brochures and newspaper advertisements are very attractive, don't get misled otherwise you will be in trouble and coming out will be very difficult. Before making any payment, you should consult proper and expert person in a bank. You should keep all the documents and brochures in record which will be useful if there is any litigation.

Defamation and Damages:- We specialize in the law of Defamation and consequent Damages. In 2012, we handled a major case of Defamation involving damages of Rs 1400 crores. At present we are handling a Defamation case involving damages of more than Rs 10,000 crores. The interested persons may discuss on phone at our mobile no 9691103689.  

DRT Judgments Favourable to Borrowers and Guarantors – Now Full text of such Judgments is being provided on this Web Site with Important Portions marked in Red  

For reference of such judgments please click DRT Judgments Favourable / Useful to Borrowers

Important Tip to Old and New Visitors:-

Appeal to DRAT - Problem of 25% Deposit - Only Solution is Appeal as Indigent Person :- As per Sec 18 of the SARFACEI Act, 25% of the amount of debt claimed by the secured creditor or determined by the DRT whichever is less is to be deposited in DRAT before the Appeal is entertained. If the borrower is not having this amount but he intends to appeal, he should file the Appeal as Indigent Person vide details in O-33 of CPC.    

A visit to new page Synopsis Video Interview - BS Malik, Sr. Supreme Court Advocate will be highly useful. You may take out the print and study the same. Listening to the video interview will be further useful. You may select the clips for replay for discussions with your colleagues as well as the advocates.

DRT, drtsolutions, Debt Recovery Tribunal, DRT matters, DRT WS, DRT Legal Opinions, DRT Arguments, DRT Documents, Appellate DRT, Bank litigations, Securitisation, Counter-claims, NPAs Settlements, checking of bank accounts and documents etc., expertize in all these matters past 14 years being a Leading Law Firm. Legal BPO and offshore BPO is our new activity for which we have launched new web site. www.usindolegal.com


Highlights:- All problems of Debt Recovery Tribunals i.e. DRT and Securitisation Act are tackled by us. People from all over the country are phoning us, then visiting and getting their problems solved. Please visit Home Page and other Pages also.


Basic Objectives

(Indian Clients)

(For Overseas Clients vide next para )

This site deals with all the matters connected with various aspects of DRT Litigations (i.e. Debt Recovery Tribunal Litigations), Securitisation Act and Defence of Borrowers and Guarantors. In DRT Litigations, counter-claim or counter-suit is the only defence and we specialize in drafting specially based on the Law of Torts. Otherwise, one sided claim by the Banks and Financial Institutions without any legal defence will only result in legal stamping of their claim making it nearly impossible to fight further. Preparation of legally proper counter-claim takes 4 to 8 weeks time and hence you have to contact us much in advance. This will ensure good quality and avoid unnecessary hurried actions at the last moment. Those who have set up their counter-claims, may get it examined by us so that they may be benefited by our expert advice particularly due to our specialized knowledge of the law of torts with specific reference to industry, banking and business transactions..

Our Client files damage suit of Rs. 1825 Crores against a bank and a financial institution in Chandigarh:- Our Client, an eminent Supreme Court Advocate (practice more than 25 years in Supreme Court) has filed a damage suit of Rs. 1825 Crores in Chandigarh on 13.01.05 against a bank and a financial institution. The said damage suit was drafted by us and it runs in 118 pages having documents of 537 pages. In a video interview lasting more than 30 minutes on 23.01.05, the said Mr. Malik appreciated our legal concepts, our drafting and our knowledge and experience about application of law of torts to banking, industrial sickness, drt, counter-claim, securitisation act and calculations of damages.

Basic Objectives

(Overseas Clients)

Our focused area is the Law of Torts and its practical applications. We specialize in drafting the various legal documents as per the needs of the clients particularly Injury Claims based on the Law of Torts. The contents of this site is exclusively for the use of Indian Clients in India or Overseas Indians facing DRT Litigations (Debt Recovery Tribunals Litigations) in India. Other overseas clients including Solicitors are requested to communicate their specific queries, we shall be glad to undertake their work. We are prepared and equipped in custom designing legal services and solutions for them on other areas of law, legal research and legal transcription.

Introduction :-   DRT Legal Solutions is a well established Law firm headquartered in India at Indore, focusing on Defense of Borrowers and Guarantors based on Law of Torts and its practical applications. We mainly deal with DRT litigations, counterclaims and all the related matters. This requires knowledge of business, industry, industrial sickness, industrial laws, banking laws, law of torts, law of damages and compensation, law of evidence, civil procedure code, communication skills, sincere advocacy, etc. We, apart, from having knowledge and practical experience in these areas past more than 44 years i.e. since 1989, have uniquely combined it  with latest IT technology of Internet and latest computer hardware and software. We are constantly interacting with the bank victims as well as the wrong-doers. Our attorney associates, advisors and consultants are professional lawyers, ex-judges, experienced industrialists, experienced bankers etc. We have an unique scheme for consultancy on phone on all DRT matters.

Valuable comments from our recent honourable industrial clients as well as honourable senior legal authorities :-

Shri P.S. Kalani, Ex-President, All India Manufacturers' Organization, controlling several Industrial units, Real Estate Business etc., highly qualified being M.S. Cornell University, USA: AM Sigma XI and AMIEEE, in his letter dated 20.11.01, extract reproduced below, wrote as under regarding DRT counter-claim drafted by us:-


"I am impressed by the tremendous amount of work that you have put in in making this draft and the amount of details, in which you have gone into, to study the files and correspondence with the bank and the various RBI Guidelines from as back as 1976.

Unfortunately, the Law of Torts is not very well developed in our country, but your efforts in this direction is very commendable and it certainly shows amount of research that you have done in making this damage claim on the basis of Law of Torts.

I am sure that other industries will also benefit from your experience and great knowledge and insight about this law."

Shri Shyam Kabra, industrialist, in his communication dated 3.12.01, extract reproduced below wrote as under regarding the suit, against the bank, drafted by us :-

"I sent the draft of the suit to our senior lawyers at Delhi and DRT Jabalpur. They are highly impressed by the thorough application of law of torts in pleading the material facts as well as substantive law relating to injury, loss and damages suffered by the industry and its dependents.

We appreciate your wide ranging knowledge about industries, sickness, banking, finance, law of torts, law of damages and court proceedings.

I wish the industrial community should greatly benefit from your deep knowledge and practical experience which will enable them to submit their proper defence in the civil courts as well as in DRTs ."

Shri K.K. Vijayvergiya, Executive Director, Public Ltd. Company in his letter dated 31.12.01, extract reproduced below regarding the draft of damage suit against the bank, wrote as under :-

"We have gone through the efforts you put in, in preparation of the suit of damages which is not only remarkable but first of its own kind covering facts and legal support.

We are sure that your efforts in this direction will certainly go a long way in the present industrial scenario there by the promoters and industry at large will benefit out of your experience and great knowledge about the law of torts."

Dr. G.C. Kasliwal, M.A., LL.M. J.S.D.(Cornell USA) Professor of Law in his communication dated 21.1.02 wrote as under:-

"Mr. Ram Kishan of DRT Legal Solutions, a firm of lawyers have been a source of much inspiration and encouragement. I have followed and read his articles. The litigant public has in him a friend, philosopher, guide and a saviour which will provide to many of us a new hope to save us from drowning in a flood of debt let loose by resourceful financial institutions."

Shri Anand Ahuja, Attorney at Law and International Business Consultants at New York in his e-mail dated 18.2.02 wrote as under:-

"I am really very much impressed with your website. Please don't hesitate to let me know if I can be of any help to you."

Shri Shyam Dewani, Advocate, on behalf of M/s Dewani Associates, in his e-mail dated 3.3.02 wrote as under:-

"First of all please accept our compliments for making an Excellent Site. It is very rare to see such a good site on law. We are the practicing lawyers at Nagpur, practicing at Nagpur High Court, District Court as well as DRT. We are in this profession since last about 18 years."

Justice P.D. Mulye, Retired High Court Judge in his communication dated 12.3.02  wrote as under, extract reproduced:-

"I have gone through your articles published in 'The Financial Express' The  various points raised by you deserve serious consideration from the legal aspects. You deserve compliments and appreciation for your tireless efforts in finding a new dimension in such matters."

Publication of our Legal Articles in the business daily news paper  :- Our articles in The Financial Express   viz. (1) dated 20.6.01 at page 7 with the caption ‘ Who’s afraid of debt recovery tribunals ?’ and (2) dated 5.7.01 at page 7 with the caption ‘ Debt Recovery Tribunals: There’s a way out for defence of guarantors  brought tremendous response, appreciation and acclaim from esteemed readers including the stalwarts in industry, banking and law. Some of the important comments are given below. Copies of  these  articles  are  reproduced  in  subsequent  pages  of  this web site, you may click here at  Useful  Article  for  Borrowers  and  Useful  Article  for  Guarantors

Valuable Comments from  respected readers of our above Articles :- 

Shri B.S. Malik, Supreme Court Advocate with practice of 30 years :-“I got your e-mail address from your article reg DRT “ a master piece“  published in F.E. Please give me your contact details. ‘                   

Shri G.C. Garg, a Banker more than 40 years experience including 6 years overseas :-  “ You are the pioneer in the country on the fresh approach enunciated. No lawyer has ever dared to take that view during the last forty years, which at least I can vouchsafe. …. You are indeed doing a good job. Please continue. “  

Shri Sitaram Singhania, Industrialist:- “ I have discussed our mutual correspondence with my senior colleague. He also appreciates that the new research vis-à-vis Law of Torts done by you could be of help to me. .. Incidentally, I and my lawyers have studied carefully your second article… Please accept my heartiest congratulations and also note that your articles are being discussed in several quarters. “

Shri Atul Kapadia, Industrialist:- “ ….whole country needs your guidance. “ 

Shri P.K. Varma, Chief Executive, Public Ltd. Company :- “ Congratulations for writing such  informative articles …”

Shri Rasik Lal Patel, Industrialist:- “ We read your articles with great interest…. We congratulate you for enlightening the borrowers on the most untouched defense which is available to them. “

Shri Narendra Gupta, :- “ Please accept my congratulations and thanks for publishing article … The article is quite informative and gave the broad ideas for the defense of guarantors. “

Publication of our mini-articles in the column 'Letters to the Editor' of the business daily news paper :- We have been actively interacting with the personalities in the arena of banking, Securitisation Act, law, industry and judiciary. Accordingly we have been expressing our views and opinions in form of various mini-articles published in the column 'Letters to the Editor' of The Financial Express. Whenever you desire to go  through  the  text  of  any or more of these mini-articles,  please  click here at  Mini Articles i.e. Letters to Editor.   where the  text of all the mini-articles are available to you instantaneously.

Publication of our Articles on the web site of 'All India Manufacturers Organisation' (AIMO):- We are pleased to announce that the AIMO in its famous web site www.aimoindia.org has published our 5 articles on the topics of DRT, borrowers, guarantors, industrial sickness and bank obligations. This is recognition and tribute to our specialized knowledge and experience in this field. You get instant benefit by having our legal opinion and other services. 


Comments by other web site owners and portals:- We are pleased to inform that an upcoming portal www.bankdrt.com has commented about us as under, which can be approached by clicking 'Read More' under 'Help Desk' on its Home Page. This portal has lot of useful informations for our clients and visitors:-


Fight it out

The ponderous papers presented by the Banks and Financial Institutions may not be worth the paper on which they are printed. All you need is the right guidance. And drtsolutions.com does just that.

Take me there(www.drtsolutions.com)  


Our Products and Services :- While you can find the details by clicking here itself at  Our Products and Services, the same are given in brief below :-

1.  Rendering legal opinions on all types of DRT matters and Securitisation Act, cases relating to damages and compensation based on contracts and/or law of torts, industrial business laws, tribunals, challenging vires of the enactments etc. Our services are generally confined to solicitor services which is the major part of the litigations. Under any situation, you get tremendous benefits from our legal opinion as it is based on specialization, long experience and deep knowledge, you may speak to us on phone M-9691103689. On DRT matters including Securitisation Act, we can render legal advice on phone itself.

2.  All matters relating to DRT and ADRT, drafting counterclaims, countersuits, written statements, appeals, revisions, writ petitions  etc.

3.   In all DRT matters including Securitisation Act, we can also advice on court appearance.

4.     Making overall strategy for the litigations including those relating to DRT, ADRT, etc. and providing exhaustive briefs, case laws and other required materials so that an average advocate can contest the case easily.

5.  We are available to our valued clients through their computers online any time any where on account of our own modern and advanced IT deptt. supported by our own IT subsidiary viz. 'Legal IT Solutions and Services' which has designed and maintains this site. For our 'Regular Online Retainership Services & Legal Opinions' as well as 'Our Schedule of Services and Tariff Charges', please speak to us on phone Mobile-9691103689 or send e-mail to us by clicking here at ramkishandrt@gmail.com by mentioning constitution, size and activities of your organization. In-depth legal knowledge operating with the tool of modern Information Technology makes us fast, efficient and reliable for your total legal needs at one point.

Note :-     (1) The visitors of this site are requested to communicate their valuable comments and suggestions either on phone or at our e-mail ID  ramkishandrt@gmail.com

                    (2) Please visit other pages of this web site by clicking here itself at  Frequently asked Questions i.e. FAQ copy of our published articles on DRT counter-claims relating to borrowers and guarantors i.e. Useful Article for Borrowers and Useful Article for Guarantors, important RBI Guidelines, Notes on Law of Torts  and  Notes on Damages  etc.

                    (3) For preparation of damage suits, counter-suits, counter-claims and other legal drafts we need only all possible available documents i.e. project report, correspondence, balance sheets, legal documents and proceedings if any, etc. No personal discussions are needed. Parties, however, are welcome for personal meetings with prior appointments. They may contact us on our phone mentioned at top and bottom of this page.

                    (4) It is needless to reiterate that counter-suit or counter-claim is the only legal defense in DRT Litigations including Securitisation Bill otherwise proceedings dealing with only bank claim will result in one sided decrees/executions/recoveries. Our expertise in such legal defence is readily available to you, if and whenever needed...

Contact Information

Office & Residence - 205, Morya Palace, Opp Bansi Trade Centre,

5/1, Diamond Colony, New Palasia,



Mobile--969-1103689, LL-731-4049358,


E-mail - ramkishandrt@gmail.com

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DRT Legal Solutions


ContentsProducts & ServicesFrequently Asked QuestionsUseful Article-BorrowersUseful Article-GuarantorsRBI GuidelinesNotes-Law of TortsNotes-DamagesMiniArticles-Letters to EditorUseful Interactions with Clients & VisitorsSecuritisation Act-CommentsAbout Us-DRT SolutionsUseful Tips for DRT Advocates|| 138 NI Act Cheque Dishonour Cognizance Acquittal | NCLT, National Company Law Tribunal, BIFR, SICA  |  Video Interview - BS Malik, Sr. Supreme Court AdvocateLegal Forum of IndiaSuccess & Results of Our GuidanceDRT Orders in favour of Borrowers & GuarantorsNPA, Debt due, Rehabilitation of Sick SME IndustriesOur Replies to Queries  on Current DRT Matters, Court Decisions etc.Measure of damages & Calculations under Torts & ContractsVideo Interview - GC Garg, Ex-Senior Bank OfficialSolar Healing, Yoga, Projector, Rebirth etc.Swami Ramdev, Yoga Guru, Cure for All Diseases, Medical Science RevolutionCourt Technologies IT Presentation Video ArgumentsArchiveDRT Solutions Weekly Mail for Borrowers & Guarantors   All India DRT Conference 2011 at IndoreArticle by Ram Kishan on Management & Technology in Indian JudiciarySARFAESI Securitisation Securitization Actar SA NPADRT Judgments Favourable / Useful to Borrowers


Contact Information :-


Office & Residence - 205, Morya Palace, Opp Bansi Trade Centre,

5/1, Diamond Colony, New Palasia,



Mobile--969-1103689, LL-731-4049358,


E-mail - ramkishandrt@gmail.com

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Popularity of our web site :- The key word for search of our website is 'drt'  or any phrase commencing with 'drt'  We are on the top in Google Search for 'drt' among 28,60,000 results globally. In most of the search engines like yahoo, msn, google, excite, altavista, mamma, alexa etc., To verify, you may visit www.yahoo.com, www.msn.com, www.rediff.com, www.indiatimes.com, www.altavista.com, www.google.com, www.excite.com, www.hotbot.com, www.123india.com, www.aol.com, etc. Our reference appears in www.economictimes.com, www.amazon.comwww.financialexpress.com, www.lawcrawler.com, www.findlaw.com, www.law.com, www.supremecourtofindia.com, www.supremecourtonline.com

Our Articles for Borrowers and Guarantors:- Our articles on DRT matters have been published in the Financial Express. The All India Manufacturers Organisation in its famous web site www.aimoindia.org has reproduced copies of our four articles. These original articles can be searched in the archive of the Financial Express in its web site www.financialexpress.com Two of these articles have been reproduced in other pages of this web site. 

Useful link www.WorldVideoBusiness.com :- WorldVideoBusiness-WVB® is a business to business e-marketplace source of international trade leads, and tender opportunities from companies and government organizations around the globe.

About Us in Brief :-  (1) We specialize in DRT (Debt Recovery Tribunal), Counter-claim and SARFAESI Act matters. As a whole you may approach us for all DRT Problems and Solutions.  (2) For your all problems including those in DRT, please phone us or send e-mail. Please give your contact details along with your problems in brief. As a whole you may approach us for all DRT Problems and Solutions.  (2) With our Legal Opinion, you need not worry about the Securitisation Act or other DRT matters. Please visit the page Products & Services and Frequently Asked Questions (3) On account of our expertise in the Law of Torts and Banking and experience past more than 35 years, we can help you to submit suitable defence with winning strategy in DRT cases, Securitisation Act, Guarantors' defence etc.  (4) We need only copies of all available documents  to render our expert 'Legal Opinion' which will be quite useful and valuable to you particularly in DRT i.e. Debt recovery Tribunal. (5) The DRT counterclaims is to be prepared well in advance so that it could be raised at proper time in DRT or other forum to safeguard the securities and assets. (6) Several DRT counterclaims drafted by us are being handled by different advocates at DRT Mumbai, DRT Delhi, DRT Jabalpur etc. (7) This site is updated daily with latest material. (8) For further details about us, please visit the page About Us-DRT Solutions As a whole you may approach us for all DRT Problems and Solutions.  

Our this web site is dedicated to Yoga Rishi Baba Ramdev Ji Maharaj:- Our this web site is respectfully dedicated to Yoga Rishi Baba Ramdev Ji Maharaj whose method of Pranayam has cured even incurable diseases and thus has revolutionized modern medical science.

Site also dedicated to:-   (1) Swami Ramdevji, Acharya Balkishan and their Guru Pradumn Maharaj.

                                             (2) H.H. Maharishi Mahesh Yogi and Acharya Rajnish, the greatest gurus of all time www.maharishi.com, www.osho.com

                                             (3) Shri Hira Ratan Manek (HRM) for his pioneering work on Solar healing vide his web site www.solarhealing.com and forum at www.lifemysteries.com                                    

We regularly practice TM and SCI of Maharishi Mahesh Yogi. We also regularly practice Hath Yoga including Pranayam based on Baba Ramdev Ji  Maharaj. We daily watch his global TV program on Astha Channel from 05:30 AM to 8AM and 8PM to 9PM Indian Standards Time. On Sanskar channel, we daily view the discourse of Pradumn Maharaj from 4 AM to 5:30 AM. Many chronic diseases such as Cancer, Parkinsons' disease, Polio, Asthma, Hypertension, diabetes etc. have been cured by the said method of Pranayam which can be learnt even by watching his program on TV. Since 30th March '06, we have started practicing Sun Gazing as prescribed by HRM.

Disclaimer:- We have no branch or setup other than at Indore. It is observed that some persons are using name of our firm as well as name of our web site. We have not given  any such authority to anyone to do so. Under such facts and circumstances, if anybody suffers any loss, we shall not be responsible. If such instance comes to notice of someone, we may kindly be informed.

Last Modified:- Please see the top of the Home Page

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