I authorize BFL to exchange, share all information and details as provided by me and in relation to my existing loans and/or repayment history to any third party including but not limited to its group companies, service providers, banks, financial institutions, credit bureaus, telecommunication companies, statutory bodies, business partners etc. The Reserve Bank of India (RBI) has imposed a penalty of Rs 2.50 crore on Bajaj Finance for violation of codes governing the methods employed to recover dues amongst others. Bajaj Finance has taken a cautious view on loan against property as the space got competitive. • Fraudulent website protection You may choose to shop online on your favourite e-commerce websites or on the Bajaj Finserv EMI Store or you may visit any of our 1 lakh+ partner stores across the 1,900+ cities across the length and breadth of India. Pune (Maharashtra) [India], December 16 (ANI/NewsVoir): Vi TM, one of the newest telecom brands in India and Bajaj Finance Limited (BFL), the lending and investment arm of … After 30 days: No refund of membership fees. Bajaj Finserv EMI Network Card is simple, hassle-free and convenient to claim. Credit Card. Thank you for your interest in availing our products & services on easy EMIs. The loan amount and tenure depends on the value of the phone you want to buy. T&C, Click on 'Resend' if you want to get a new OTP. 1000, 5% of claim value subject to a minimum of Rs. 649. Online Stock Trading App in India - Low Brokerage*, Open Free* Demat Account. The Nifty 50 … Issuance of these products is at sole discretion of CPP. DEFINITIONS: Since the NBFC, Bajaj Finserv offer various loans, saving schemes, and insurances through its subsidiaries like Bajaj Finance Limited, Bajaj Housing Finance Limited, Bajaj Allianz General Insurance company Limited, and Bajaj Life Insurance Company Limited, the same receives a huge number of applications and queries daily. The Zero Cost EMI on mobiles is available on leading bank credit cards including Bajaj Finserv EMI cards. Step 3: Authenticate your purchase by entering the OTP received on your registered phone number. The existence of a dispute, if any, shall not constitute a claim against BFL. Bajaj Financial Securities is the best online broker for stocks, IPOs, mutual fund,equity & investments in India. You may reach out to the issuer in the following ways: Phone: Speaking about the alliance, Manish Jain, Senior Executive Vice President, Bajaj Finance Ltd. said, “It is our constant endeavour to bring to our customers more and more unique affordability offerings. If You exercise this right to cancel, your membership will be cancelled immediately, and any payment of membership fee made by you (or Bajaj Finance Ltd. on your behalf) will be refunded to you (or Bajaj Finance Ltd.) as the case may be, as per the agreed terms. India’s series of ‘sniper shot’ stimuli has created enough tailwind for businesses to get back on rails, but sustaining the recovery will depend on whether the country manages to avoid a second wave of the Covid-19 virus, said Sanjiv Bajaj , chairman of Bajaj Finance. The eligible Customers shall receive their Reward only upon successful repayment of the first equated monthly instalment on the loan availed under the Promotion by BFL to the Customer. Loan can be availed equivalent to the cost price of your favourite television, refrigerator, washing machine, laptop or smartphone and dividing the same in EMIs without any extra cost. Included in the package for you, • 30 million Songs Bajaj finance for mobile is a very smart choice as it has a very short application processing mechanism which makes it very easy and convenient way for you to buy a smartphone. It takes a few moments to get processed with the help of these steps-1.Go to Bajaj Finance loan EMI payment page on Paytm 2. Bajaj Finance has taken a cautious view on loan against property as the space got competitive. If you are already a Bajaj Finserv customer and are eligible for an EMI Card, you can apply for the same through the customer portal on … The interest that you pay to the bank is given as an discount. 19. Smartphones, TVs, ACs. Bajaj Electricals Sales App is designed Exclusively for Bajaj Electricals Employee's to manage their day today functions. This coverage is offered through a registered General Issuer of India. Sanjiv Bajaj, chairman of Bajaj Finance. Click here, https://www.bajajfinservmarkets.in/cust/#/investment/digitalGold/locker, By checking the 'Submit' button below and by entering the one-time password (“OTP”) sent by Bajaj Finance Limited (“BFL”), I hereby agrees and acknowledges that I. The Promotion is not transferable and non-negotiable under any circumstances. One can send an SMS from registered mobile number to get information related to Bajaj Finserv products. 26. ii. 8. Visit Croma, Reliance Digital, Vijay Sales, Sargam Electronics, Poorvika, Sangeetha, Big C, and other stores and talk to our representative to learn more about mobile phone offers from Bajaj Finance. Step 4: Complete the purchase by paying the Membership Fees via mobile wallet, credit card/debit card, mobile wallet, or any other preferred mode of payment. Bajaj Auto Finance also offers the option of applying for Two Wheeler Loan online by filling up a simple online form. Further, I confirm that I would like to know through the above mentioned Communication Modes various BFL loan offer schemes or loan promotional schemes or any other promotional schemes relating to various products/services offered by BFL/its group companies/business partners from time to time and hereby authorize BFL, its group companies, employees, agents, associates, business partners to contact me from time to time for the same. Bajaj Finance Mobile EMI Calculator. Bajaj Finserv 24*7 Customer Care Helpline. Buy CPP FONESAFE LITE • Anti-virus and Anti-malware Protection You may also write an email to feedback@cppindia.com for any claim related queries. Some of the top-selling smartphones with a long battery life that you can buy on the EMI Network include Oppo F7, Redmi 5, and Oppo A5. Bajaj Finserv presently offers smartphones on the EMI Network in more than 1,300 cities in India. Loans Pre-approved offers, minimum paperwork, & ready disbursal? "Customer" means an Indian citizen who avails a loan from BFL during the Offer Period. BFL does not compel any of its customers to mandatorily purchase any third party products.”, Replace lost Keys with Key Safeguard Plan. Mutual Funds. 21. This Promotion is a special offer for BFL Customers only and nothing contained herein shall prejudice or affect the terms and conditions of the Customer loan agreements. A Customer can qualify only once for the Promotion during such Offer Period. No Cost EMI Speedy Delivery Bajaj Finserv offers pocket-friendly insurance for your everyday needs. The company deals in consumer finance, SME (small and medium-sized enterprises) and commercial lending, and wealth management.. Headquartered in Pune, Maharashtra, the company has 294 consumer branches and 497 rural locations with over 33,000+ distribution points. Use our real-time trading platform For checking stock/share price in India. Check out where all can you shop with your EMI Network Card here. Have read and understood the terms and conditions contained below (“Terms”). Can a student apply for a Bajaj Finserv EMI Network Card? To apply for a Bajaj finance mobile loan, you can reach out to any of the official outlets or partner outlets and speak with the representatives. 9. • SIM Card change - send SMS and location to trusted number The tax deducted at source in respect of the Reward, where applicable, shall be paid by BFL. In a letter written on Wednesday, Bajaj Finance said it will waive 50 per cent of the EMI bounce and other overdue charges between March and August, and … Bajaj Finserv Customer Portal - Bajaj Finance Login | Bajaj … "BFL" refers to Bajaj Finance Limited. A duly filled claim form, signed by the member, detailing the loss or damage that has occurred and an estimate of the claim amount. Who mandatorily avail a loan from BFL for purchasing the Product from the Participating Store(s) during the Offer Period and who successfully pay the first equated monthly installments of the loan as per the repayment schedule. What is the amount and tenure on a ‘mobile loan’ from Bajaj Finance? I hereby expressly consent and authorise BFL/ its representatives/agents/ its business partners/its group companies/affiliates to send me any communication regarding products/services offered by them using various communication channels, such as, telephone, calls/SMS/bitly/bots/emails/post etc. Based on the cost of handset, a standard deductible has to be borne by the member for each claim unless specifically revised and altered by the issuer and mentioned in the Certificate of protection. India’s series of ‘sniper shot’ stimuli has created enough tailwind for businesses to get back on rails, but sustaining the recovery will depend on whether the country manages to avoid a second wave of the Covid-19 virus, said Sanjiv Bajaj, chairman of Bajaj Finance. Send an SMS to +91-9227564444 from your registered mobile number to get immediate assistance. Mobile Insurance plans by Bajaj Finserv comes in two variants starting at a premium of just Rs. I undertake to keep BFL updated of any change in the information provided by me. Just walk into our partner store, select your smartphone, and divide the cost of the device into easy EMIs. I/We agree that the submission of loan application to Bajaj Finance Ltd. does not imply automatic approval by Bajaj Finance Limited and that the Bajaj Finance Ltd. will decide the quantum of the loan at its sole discretion and also reserves the right to reject any application and reserves the right to retain the application form along with the documents in case of rejection of loan. Check the EMI amount and proceed to pay your EMI with the payment method of your preference 5. 17. 3. Download your Digital EMI Network Card now! The same has been illustrated below: The Mobile Protection plan offers coverage to mobile phone models from the popular smartphone brands listed below: You can apply for the Mobile Protection plans in a hassle-free manner by filling in an online application form and making the Membership Fees payment using any of the convenient online payment modes available. The Customers agree to be bound by the terms and conditions contained herein. Who have received communication from BFL regarding the said Promotion. To get the Bajaj Finserv EMI Network Card offline, all you need to do is opt for in-store financing at any of Bajaj Finserv’s partner stores, get assistance from the store representative and submit basic documents to set up your EMI Network Card. Maximum of 2 claims shall be addressed, during membership period; subject to maximum value of Coverage at the time of loss and prior claim is partial loss. "Offer Period" shall mean the period commencing from 12:00 am on _11-11-2019 of 2019 to 23:59:59 pm on 21-11-2019. • Ad free music experience Read more about Bajaj Finance Ltd down for fifth straight session on Business Standard. 14. Buy mobile phones on easy EMIs from Home Credit. The cost of repairs or replacement could run into thousands of rupees. Under this partnership, the company will offer … Illume: Learning on-the-go. You don’t need to submit any documents if have an EMI Network Card. Bajaj Financial Securities - Mobile Trading App. Check out the various Bajaj Auto mobile apps to search Bajaj bikes spare parts, find nearby authorized Bajaj dealers, track service history and more on this page. "Customer" means an Indian citizen who avails a loan from BFL during the Offer Period. This Promotion is valid for only such Customers: Bajaj Finserv Card Apply Online EMI Card ¦How to Apply Bajaj card Online Hindi ¦Bajaj Emi Card Apply - Duration: 10:01. You can type the following keyword and send the SMS to +91 92275 64444. The Reserve Bank of India (RBI) on January 5 imposed a monetary penalty of Rs 2.50 crore on Bajaj Finance Limited for violation of rules pertaining to recovery and collection methods. Bajaj Finserv Wallet powered by Mobikwik - India’s first integrated Debit and Credit wallet for Fastest Online Recharges and Bill Payments, No Cost EMI offers on LED, mobiles and other consumer durables, Instant Loans, Payments at online and offline merchants and your own Personal expense Manager exclusively for Bajaj Finserv customers! 22. If you already have an EMI Network Card, you only have to swipe it to avail the loan. Pune (Maharashtra) [India], December 16 (ANI/NewsVoir): ViTM, one of the newest telecom brands in India and Bajaj Finance Limited (BFL), the lending and investment arm of Bajaj Finserv Group has entered into a strategic partnership to facilitate easy access to smartphones at affordable EMIs, along with 6 months and 1-year pre-paid plans from ViTM. Notwithstanding anything contained in the Promotion thereunder or these terms and conditions, any images, representations, content etc. Bajaj … 24. Here are the SMS keywords: Home Loan. Bajaj Auto Finance also offers the option of applying for Two Wheeler Loan online by filling up a simple online form. These terms and conditions shall be in addition to and not in derogation to the terms and conditions prescribed by BFL for the loan. If you want to get a ‘mobile loan’, you need to apply for a Consumer Durable Loan which covers the purchase of smartphones. Notwithstanding anything herein, BFL shall not at any time be responsible or held liable for any loss, injury, damage or harm suffered by or in connection with the products or Rewards provided by third parties. From ₹6,999. Here are your pre-approved offers from Bajaj Finserv! Nothing herein amounts as a commitment by BFL to provide further or similar offers. Congratulations! Bajaj Auto Finance Ltd. (BAFL) offers Two Wheeler Loan, Three Wheeler Loan & Quote Loan at low interest rates. 1500. In order to initiate a claim, you have to submit the following documents to the issuer: You have a right to cancel your membership at any time during the period of agreement. If you want to get a ‘mobile loan’, you need to apply for a Consumer Durable Loan which covers the purchase of smartphones. 11. High-dynamic Range Think it. New Delhi- 110019. You can call our customer care at 020 – 3957 5152 (call charges applicable). 4 lakh, Wish for your favourite products now and shop for it later. Fill in the all the details including financial status and repayment capacity. I further understand and agree that pursuant to this application form, I will be required to submit documents to the satisfaction of Bajaj Finance and accept the loan terms and conditions for availing the loan granted to me by Bajaj Finance from time to time. Don't close your browser window. You can shop for the latest Vivo smartphones on EMIs across any of Bajaj Finserv’s … One can visit Bajaj Finserv’s Experia portal by entering the customer ID/email ID/registered mobile number. Bajaj Finserv EMI Card. The best phones under 20000 available on the EMI Network are Realme X, Poco F1, Vivo Z1 Pro, Samsung Galaxy M40, Redmi Note 7 Pro, Huawei Y9 Prime, and Motorola One Vision. Disputes, if any, regarding the products/services/Rewards under the Promotion must be addressed in writing, by the Customers directly to the merchant/issuer of the Rewards and BFL shall not entertain any communication in this regard. The plan covers your smartphone display against accidental breakage, breakdown, and liquid damage. Some of the benefits are mentioned below: Using Bajaj Finserv’s mobile EMI Calculator is probably the easiest way to compare various loan offers and choose the loan best suited to your requirements. • Remote lock and remote data wipe Bajaj Finance Ltd is quoting at Rs 5026.2, down 1.81% on the day as on 13:19 IST on the NSE. No refund of fee shall be due on cancellation under any circumstances if you have used any of the features of the service. Share your basic details, divide the cost of your phone into easy EMIs with your Bajaj Finance card for mobile phones and take home your favourite products. The Membership Fees for both the plans are given below corresponding to the cost of device. Get everything on Finserv MARKETS App! Benchmarked against the best in the industry, the app comes with a clean, simple user interface, a design to deliver excellent user experience, and intuitive navigation. Technical Kaifi 123,638 views Read on to know the coverage, exclusions, terms and conditions of both the plans. KOLKATA: Bajaj Finance, Mahindra & Mahindra Financial, and Shriram Transport Finance may become prime candidates for conversion into high-street banks despite their strong corporate lineage if the Reserve Bank of India (RBI) accepts the suggestions of its internal working group, which called for relaxing the first-level entry barrier. Vi (Vodafone-Idea) has joined hands with Bajaj Finance to offer easy access to smartphones. Note: The Bajaj Finserv EMI Card is now called Bajaj Finserv EMI Network Card. • Auto scan of downloaded apps These plans offer a host of add-on benefits such as F-Secure Mobile Security, free annual access to Zee5, and Gaana Plus subscription for a year. While CPP MOBILE PROTECT (with value added services and a complimentary comprehensive mobile protection cover) offers you comprehensive coverage in case of accidental damage/liquid damage to your mobile device, the CPP FONESAFE LITE (with value added services and complimentary Mobile Screen protection) financially covers you against damages to your smartphone’s display. Fill in the all the details including financial status and repayment capacity. 1.All Qualified customers shall be given a coupon code, 2.The users can visit their created gold locker on. • Regional Languages. Click here, Mobile Screen Replacement Cost Calculator. 7. Bajaj Finserv 24*7 Customer Care Helpline. The Reserve Bank of India (RBI) on January 5 imposed a monetary penalty of Rs 2.50 crore on Bajaj Finance Limited for violation of rules pertaining to recovery and collection methods. CPP Assistance Services Pvt. "Products" shall mean the products purchased from Participating Stores using BFL’s finance facility. I authorize Bajaj Finserv representative to call /SMS towards this application and other products/services. No refund of Fee shall be due on cancellation under any circumstances if You have used any of the features of the service or if the cancellation notice is provided after thirty (30) days from the date of commencement of the plan. "Reward" refers to reward offered to the Customer(s) under this Promotion. Mi Smartphones Price List Dear Bajaj Finance team, I am receiving regular phone calls from bajaj finance service from various executives regarding to take loan/overdraft. Alternatively, you can log onto your account on our customer portal – Experia and download the documents you need. Galaxie - ISD APP. Bajaj Finance Limited. With Bajaj Finance purchase appliances, laptops, mobiles, TVs on EMI from top brands. The refund of Membership Fee will be as per the following conditions: You have a right to cancel your membership at any time during the period of agreement. 20. You can purchase the latest smartphones such as OnePlus 7T series, iPhone 11 series and more models from the leading brands on easy EMIs. ... All loan figures are based upon non-commercial usage and are subject to credit approval from Bajaj Finance Services. Under this Promotion, every Customer who fulfills the criteria specified by BFL, shall be eligible for cashback Reward of FLAT 11% Cashback of ____________ value. "Website" means BFL's website at the following URL https://www.bajajfinserv.in/finance/, 2. I agree that my action of entering the OTP sent by BFL and clicking the “Submit” button, constitutes a valid acceptance by me of the Terms contained herein and creates a binding and enforceable agreement between me and BFL. Kalkaji Post Office • Offline Playback F-Secure antivirus and malware protection, 5% of claim value subject to a minimum of Rs. i. UPI Payment App. Bajaj finance is offering affordable loans to the consumers. You can find zero down payment mobile phones from a variety of popular brands such as Vivo, Oppo, Apple, Redmi, Samsung, Realme, and more, on the Bajaj Finance 0 down payment mobile store. You can call at the following numbers: Ltd. • SIM Card lock - locks phone if SIM card is removed Purchase of this product is purely voluntary in nature. All disputes if any arising out of or in conjunction with or as a result of this Promotion or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts in Pune only. We are redirecting you to our Love shopping online? This product shall be governed by CPP product T&C’s and BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. Here are your pre-approved offers from Bajaj Finserv for you! • 5 devices can be connected with the annual subscription • Song Downloads 25. Note: CPP MOBILE PROTECT must be purchased within 15 days of the purchase date of the device while CPP FONESAFE LITE can be purchased within 45 days from the date of purchase. Or perhaps, you want to upgrade your furniture and appliances. Exciting deals & offers await you at the Bajaj Electronics store! One can apply for the Bajaj Finserv EMI Network Card both online and offline – either by logging in to the customer portal or by checking in at any of our partner stores submitting the basic required documents. • 1 Lac+ Hours of Content Enter your Loan Account Number ID 3. What is the amount and tenure on a ‘mobile loan’ from Bajaj Finance? You can shop for the latest smartphones from all your favourite brands such as Samsung, Apple, OPPO, Vivo, Lava, Tecno, Google, Xiaomi, OnePlus, etc. You can then compare options and purchase the best Mi phone for your everyday use. 6. After 30 days: Rs 400 will be deducted and balance membership fees will be refunded. You can visit the Bajaj Finserv Mi brand store and browse the new Mi mobiles list. [Resolved] Bajaj Finance - rs.1130+1130/- twice cmp mandate debit bajaj finance ltd. [Resolved] Bajaj Finance - fraudulent use of my bank mandate to extract money from my bank account 2 [Resolved] Bajaj Finance - frustrated from bajaj finance calls. Buy CPP MOBILE PROTECT Get the latest refrigerators on the EMI Network, How to Buy a Mobile Phone on EMI Without a Credit Card, Best Phones Under 10000 in India (January 2021), Vivo Phones Under Rs. The loan amount and tenure depends on the value of the phone you want to buy. 50 will be deducted and balance membership fees will be refunded. You can raise your claim with the Customer Experience team within 24 hours of damage to your smartphone to avail the benefits under this cover. Vi (Vodafone-Idea) has joined hands with Bajaj Finance to offer easy access to smartphones. I agree and affirm that BFL may contact me and communicate with me over telephonic calls, or SMS on the mobile number mentioned herein, or through any other communication mode (“Communication Modes”) to verify the details provided by me . Car/Bike insurance. "Participating Store(s)" shall mean such retail store(s) or dealer outlets which are empaneled with BFL and which are participating in this Promotion and which are located in such locations as detailed in Annexure I. Benchmarked against the best in the industry, the app comes with a clean, simple user interface, a design to deliver excellent user experience, and intuitive navigation. Any documentation required to support and substantiate the claim amount like bills and invoices, valuation reports, etc. Looking for the best mobile phone offers online and offline? BFL, its group entities/ affiliates or their respective directors, officers, employees, agents, vendors, etc., shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered by a Customer, directly or indirectly, including for reasons arising out of use or non-use of products/ services or participation under this Promotion. Cancellation within 30 days: Rs. Disclaimer - Bajaj Finance Ltd. (BFL) is merely a distributor of above Products, owned by CPP Assistance Services Private Ltd.(CPP). • Scream Alarm - set off alarm in case of misplaced phone New Delhi: Vodafone Idea and Bajaj Finance, the lending and investment arm of Bajaj Finserv Group, have teamed up to facilitate easy access to smartphones at "affordable" EMIs, alongwith 6 months and 1-year prepaid plans from the telco, according to a statement.Under the pact, the EMI will be calculated on the basis of the total billed amount including the price of the smartphone and the recharge. The amount of deductibles are mentioned in the table below: Note: Deductible is applicable only for repair cases (no depreciation is applicable for repair cases) Depreciation is applicable only for total loss cases (no deductible is applicable for total loss cases). To check loan eligibility, interest rates & fees, visit Bajaj Auto Finance website now! Relevant offers for the selected products will be emailed to you shortly. Mobile phones can be bought on easy EMIs on the Bajaj Finserv EMI Network. ... All loan figures are based upon non-commercial usage and are subject to credit approval from Bajaj Finance Services. I understand and acknowledge that Bajaj Finance shall have the absolute discretion, without assigning any reason to reject my loan application and that Bajaj Finance shall not be responsible/liable in any manner whatsoever for such rejection. The Mobile Protection Plan offers coverage for device replacement cost (up to 100% of base invoice value, before applying any coupon, cashback, discount, depreciation, and standard deductibles). So please stop the same immediately, if not than i shall move to consumer court. Under this partnership, the company will offer … You can shop for the latest smartphones from some of our top dealers like Croma, Vijay Sales, Reliance Digital, Poorvika Mobiles, Sangeetha Mobiles, and more. 13. Starting at Rs. Illume brings out-of-the box corporate learning experience with an intuitive UI. From 17 th October to 26 th October 2020, visit the EMI store to avail Diwali offer on mobile, Diwali offer on laptop, and a host of other Diwali online offers. These terms and conditions prevail over the contents of any brochure or other promotional material advertising the Promotion. Bajaj finance for mobile is a very smart choice as it has a very short application processing mechanism which makes it very easy and convenient way for you to buy a smartphone. BFL shall not be liable for termination or delay of the Promotion or the Rewards forming part of the Promotion due to any force majeure event and will not be liable for any consequences. Currently You don't have pre-approved offers. Using the mobile EMI calculator gives you a simple, quick and accurate way to visualize your potential monthly EMI outgo and plan your monthly finances accordingly. • Supports 12 Indian Languages • Supports 12 Indian Languages Brings out-of-the box corporate learning experience with an intuitive UI Participating stores using BFL’s Finance facility ' you. % on the EMI amount and tenure depends on the value of the latest smartphones on the Bajaj.! Phone and you ’ re good to go Promotion can not be combined with other! Discretion of CPP and write in the all the details including financial status and repayment capacity: avail down... Network Card, Click on 'Resend ' if you already have an EMI Network interest in our. Not an insurance company who avails a loan from BFL during the Offer Period down fifth. And other products/services bank credit cards including Bajaj Finserv EMI cards the amount and to! 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Technical Kaifi 123,638 views Bajaj Finserv EMI Network keyword and send the SMS to +91 92275 64444 Mi... A Bajaj Finserv EMI Network users to track the status of their loan applications by! Website '' means BFL 's website at the following URL https: //www.bajajfinserv.in/finance/, 2 2019 23:59:59..., manage EMIs, and view your pre-approved offers from Bajaj Finance service from various regarding... One can send an SMS < HELP > to +91-9227564444 from your registered mobile number 13:19 IST on usage..., down 1.81 % on the NSE Nifty 50 … Bajaj Finance Ltd is bajaj finance for mobile. Bajaj Auto Finance also offers the option of applying for Two Wheeler loan online by filling up a simple form. Necessary to establish the loss or its quantum depending upon the nature of value... Several Finance companies in the online application form hassle-free and convenient to.... Can understand, read and understood the terms and conditions of both the plans quoting Rs. Stores using BFL’s Finance facility a registered General Issuer of India and is valid only for Indian citizens are...