Societies, Not Builders, Are Eligible For Revenue from Advertising Hoardings

Earnings from Hoardings Are Usually Land up with the Builders Even Though the Hoarding May Be atop the Flat Owner’s Terrace.

Recently Though In A Landmark Order The National Consumer Disputes Redressal Commission (NCDRC) Upheld The Order Passed By The Central Mumbai District Consumer Forum (CMDCF) Ruling That The Builder Should Deposit Future Earnings From Hoardings With The Society.

The CMDCF Had Passed An Interim Order, Asking Tab Advertising To Deposit Its Future Payments With The Society From August 2008 Till The Case Is Decided.

In The Dispute, The Society Had Maintained That The Builder Had Not Conveyed The Property To The Housing Society Within Four Months Of The Society Registration As Assured.

Tab Advertising, Which Had Installed The Hoarding, Paid Some Amount To The Society From November 2006 To December 2007. The Society Was Registered In July 2007. However, The Payment To The Society Stopped Six Months After The Registration. The Builder, However, Pocketed Their Sum Since July 2006.

The Builder Argued That As Per Clause 27 Of The Sale Agreement With Individual Flat Owners, They Had Clarified That They Would Retain The Rights Of Hoardings. The Society’s Lawyer, However, Successfully Argued That the Clause Should Be Struck down as It Was against the Maharashtra Ownership of Flat Act (MOFA).

The Builders And The Company Were Asked To Furnish Account Details Of Payment From July 2006 To August 2008. The National Consumer Commission Held, We Are Not Inclined To Interfere With The Interim Order Passed By The District Forum, Which Has Been Affirmed By The State Commission. The Builders Maintain That There Are Pending Suits Over Disputes Related To This Society And Hence The Matter Is Still Sub-Judice.

Duties Of The Treasurer

From The Desk Of Shri. Umesh Bhat (F.C.A)

The Model Bye-Laws Of The Society Has Detailed The Functions Of The Chairman And The Secretary. However, It Is Silent With Respect To The Duties Of The Treasurer Who Nevertheless Occupies An Important Standing As An Honourable Office Bearer. Naturally In Most Societies The Treasurer Devotes His Time Mostly Revolving Accounting Functions.

The Function Of The Treasurer Is Deeply Associated With ‘Treasury’ Which Means A Store Of Money And In Respect Of A Housing Society – Its Funds. So Taking Roots From The Precious Line, The Treasurer Is Basically The Chief Financial Officer / Manager Of The Society. Right From Ancient Times, Treasury Occupied An Important Status In All Kingdoms And So Did The Treasurers. But One Has Wary Of Treasurer Like ‘Seleucus’ (The Treasurer Of Cleopatra Who Betrayed His Master). At Present The Bye-Laws Do Not Prescribe Any Qualification For Holding Any Honorary Post. However It Would Be Highly Desirable To Have A Member With Atleast Commerce Or Accounting Background, If Not A Certified Treasury Manager.

The Following May Be Ideally The Duties Of The Treasurer:

·         To Sign All Receipts For Cash And Cheques  Received By The Society

·         To Ensure That All Account Books And Register Are Properly Maintained.

·         To Operate The Bank Account Of The Society Jointly With The Secretary And The Chairman.

·         To Scrutinize All Requirements Of Expenditure And Recommend The Same Sanction.

·         To Ensure That All Entries In Petty Cash Book Are Checked Thoroughly For Correctness Before Signature And The Items Purchased Have Been Taken On Charge In The Respective Stock Ledgers.

·         To Ensure Cash Balance Is Held Beyond The Limit Fixed By The Managing Committee.

·         To Ensure That All Transactions Are Properly Reflected In General Ledger Connected With Account.

·         To That Non-Expendable Items Are Taken On Proper Register.

·         To Report Cases Of Misappropriation Of Funds Of The Society Immediately, On Detection, To The Chairman Or Secretary And The Managing Committee And Further Suggest And Implement Appropriate Remedial Measures For Avoidance Or Recurrence Of The Same.

·         To Ensure That All Vouchers, Along With The Bills Relating Thereto, Are Arranged In Order Of Entries In The Cash Book And The Journal.

·         To Ensure Proper Records Of All Counterfoils, Challans, Bills Receipts And Cheques Are Preserved.

·         To Ensure That Periodical Statements Of Accounts Are Prepared By The Society.

·          To Put Up Monthly Balance Sheet And Income And Expenditure Statement Of The Year Before The Managing Committee, For Approval.

·         To Check Monthly Bank Reconciliation Statements For Correctness.

·         To Check Audit Reports And All Auditable Documents.

·          To Ensure That Personal Ledgers Of All Members Are Properly Maintained.

·         To Initiate Action For Recovering Outstanding Liabilities Of Sundry Debtors And Sundry Creditors.

·         To Ensure The Original FD Documents Are Kept Safe Preferably In Bank Lockers With A Photocopy In Office File. Also Submit Same Renewal / Encashment On Maturity.

·         To Put Up Monthly Account Statement For The Perusal Of Management Committee.

·         To Supervise The Accountant.

·         To Ensure That The Accounts Are Maintained As Per Statutory Requirements Including The Accounting Software.

·         To Assist Hon. Secretary During Audit, Internal / Statutory.

·         To Assist In Preparation Of Audit Rectification Report.

Duties Of Chairman & Secretary.

A Co-operative Housing Society Is Managed By All The Members By Electing Their Representatives To The Committee. The Overall Administration And Management Thus Vests With The Duly Elected Managing Committee As Per The Bye-Laws Of The Society. Again The Managing Committee Elects Amongst Themselves A Chairman, A Secretary & A Treasurer As The Office Bearers  Who Have been Given Certain Duties & Responsibilities In The Bye-Laws Of the Society.

Dr Sachin Shetty, A Renowned Hotelier From Mumbai & Channel Associate For LandguruZ Has Made An Attempt To Explain The Duties And Responsibilities Of These Office Bearers.

 The Duties Can Be Interchanged In Actual Practice And Also By Passing Necessary resolutions In The Managing Committee Meeting.

Ø      CHAIRMAN

ü      The Chairman Of The Society Shall Preside Over All The Meetings Of The managing Committee As Well As the General Body. He Shall Have Full Powers To Direct The Secretary Regarding The Agenda to Be Followed In The Meetings And Also, To Allow Or Disallow Any Matter From Being Taken Up In the Meeting. He Can Debar Any Member From The Meeting on Account Of Disciplinary Action Raised Against The Member Of The General Body.

ü      The Chairman Of The Society Shall Have Powers Of Overall Superintendence, Control & Guidance In Respect Of Management Of The Affairs Of The Society Within The Framework Of The Act, The Rules And The Bye-Laws Of The Society. In Case Of Any Emergency, The Chairman Of The Society May Be Competent To Exercise Any Of The Powers Of The Committee. However, While Doing So, He Shall Record The reasons Thereof In Writing. Any Decision, So Taken By The Chairman Of The Society Shall Be Got Ratified In The next Meeting Of The Committee.

Ø      SECRETARY

ü      To Issue Share Certificates to Members Within The Stipulated Period And The Prescribed Manner.

ü      To Deal With Resignation From Members Including Associate And Nominal Members.

ü      To Enter Nominations And revocations Thereof In The Nomination Register.

ü      To Inspect The Property Of The Society.

ü      To Issue Notices With Regards To The Repairs To Be Carried Out In Flats.

ü      To Deal With Cases With Regards To The Expulsion Of The Members.

ü      To Deal With Cases Of Cessation Of Membership Including Associate & Nominal Membership.

ü      To Deal With Applications For Various Purposes Received By The Society.

ü      To Prepare & Issue Demand Notices / Bill For Payment Of Society’s Charges.

ü      To Bring Cases Of Defaults In Payment Of The Society’s Charges To The Notice Of The Committee.

ü      To Issue Letters Of Allotment Of Flats.

ü      To Issue Notices And Agenda Of All Meetings Of The General Body.

ü      To Record The Minutes Of All The Meetings Of The Committee.

ü      To Call The First Meeting Of The Newly Constituted Committee.

ü      To Maintain Account Books, Register And Other Records, Unless Otherwise Decided By The Committee.

ü      To Finalise Accounts Of The Society In The Required manner.

ü      To Produce Records Of The Society Before Different authorities Concerned With The Working Of The Society With The Consent Of The Chairman.

ü      To Prepare Audit Rectification Reports In Respect Of Audit Memos Received From The Statutory & Internal Auditors.

ü      To Bring Breaches Of The Bye-Laws By The Members To Their Notices Under Instructions From The Committee.

ü      To Discharge Such Under Functions Under The Act, The rules And The Bye-Laws Of The Society And Directions Of The Committee And The General Body Meetings, As Are Not Expressly Mentioned Herein Above.

ü      To Place The Complaint Applications With Facts, Before The Committee, In The Coming Meeting.

Dr. Sachin Shetty Further Says That The Role Of A Committee Member Is Like A Wicketkeeper. 
A Wicketkeeper Is Never Remembered For The Excellent Catches He Takes BUT IS REMEMBERED MORE FOR THE DROPPED CATCHES.
He Says That The Members Also Should Respect The Honorary Work Done By The Committee & Should Work In Co-ordination & VERY IMPORTANTLY ATTEND ALL THE MEETINGS> 

Consumer grievances And Redevelopment

Products And Services By A Builder Are Covered Under Consumer Protection Act.

You Can File a Complaint In Case The Builder Has Given You Deficient Services Regarding The Following;

1)      Charged You Higher Than The Agreed Amount.

2)      Did Not Give The Receipt Against The Paid Amount.

3)      Delivered A Poor Quality Construction.

4)      Delivered A House That Does Not Comply With The Specifications Agreed Upon.

5)      Did Not Provide For Free Parking Space Within The Compound / Complex.

6)      Did Not Form Co-Operative Housing Society and Handed It Over To Its Members.

7)      Did Not Provide For Water Storage Tank.

8)      Did Not Provide For Enough Ventilation And Light.

9)      Did Not Deliver The House Within The Agreed Time Limit. If The Time Limit Is Not Mentioned, It Is Assumed That The Construction Will Be Finished Within A Maximum Period Of 2 Years From The Date Of Start Of Work.

10)  Did Not Give Accounts For The Expenses Against Which The Builder Has Collected Money, i.e. Maintenance, Electrical Installation (Transformer), Etc.

According To Shri G.V. Nayak A Senior Advocate And Legal Head Of LandguruZ, If You Have Grievance Against The Builder, Send A Notice To Him In Writing. Do Not Worry If He Refuses To Accept Your Notice, As Only Proof Of Sending Is Required. Send The Notice By Registered Post Or Under Postal Certificate. Retain The Proof Of Sending. The Proof Of Sending Is Valid In The Consumer Court Under Section 28A (3) Of The Consumer Protection (Amendment) Act Of 2002 And Will Be Declared As The Notice Has Been Duly Served.

FILE YOUR COMPLAINT IN THE CONSUMER COURT IN CASE THE BUILDER DOES NOT RESPOND TO YOUR NOTICE.

Address Of The Consumer In Mumbai Is As Follows:

THE PRESIDENT,

MAHARASHTRA STATE COMSUMER DISPUTES REDRESSAL

COMMISSION,

ADMINISTRATIVE COLLEGE, ROOM NOS. 1 & 2,

HAZARIMAL SOMANI MARG,

OPP. C.S.T. STATION, MUMBAI-400 001

Redevelopment:A Stitch In Time Saves Nine

Redevelopment & Challenges.

As The Term Implies “Redevelopment Means Demolishing the Old Structure and Replacing It with a Newer Structure.

Assuming The Quality Of Material Used In Redevelopment Is Of A Good Standard, The Society Can Be Assured That It Need Not Bother For Any Major Repairs Or Maintenance For The Next 15 To 20 Years.

There Are Many Societies Which Actually Do Not Know Whether They Need Redevelopment. The Members Or The Committee Of Such Society Are Probably Unaware Of The Bye-Laws And Do Not Know The Condition Of The Very Building Which House Them.

For Such Societies & Members It Is Advisable To Go Through The Bye-Law No-77 Which Specifically States The Need To Have A Structural Audit Conducted.

In Case Of The Society Being Situated Outside The Municipal Limits, The Structural Audit Is to be Done By A Government Approved Architect.

Challenges In A Redevelopment:

      The Development Agreement That Forms The Basis Of A Redevelopment Project Is Required To Be Drafted By A Professional Keeping In Mind The Safety And Security Of All the Members. Any Lacuna In The Preparation Of This Deed Would Result In A Great Loss For The Society Members.

      For A Considerable Period Of Time You Are Required To Hunt for Accommodation Which Disrupts your Age Old Routine.

      Additional New Members Would Take A Longer Time To Gel With The Original Members, Resulting In Disputes On Various Issues.

      Additional Members Will Require Extra Consumption Of Water Creating Scarcity Or Shortage Of Available Water Supply.

      Additional Vehicles Need Extra Space.

      New Constructions Loaded With All Kinds Of Modern Amenities Which In Turn Shall Increase In The Cost Of Maintenance To Be Paid To The Society.

      Increase In Property Tax.

      Fear Of Halfway Stalled Project Resulting In Court Battles.

According To Shri Mahendra Sawant, Architectural Head Of LandguruZ, Majority Of the Mumbaikars Are Aware Of The Merits Of Redevelopment But Seldom Do They Think Of The Challenges & the Need Of Having A First Aid  For Overcoming The Same Before Entering Into A Redevelopment Agreement?

 He Further Adds To The Quote “GRASS IS GREENER ON THE OTHER SIDE” By Saying “GO ON THE OTHER SIDE TO SEE IF ACTUALLY THERE IS ANY GRASS”

  Forget Of Dreaming The Greener Aspect If The Society Does Not Adhere The Safety Policy For Redevelopment He Says.

He Feels that A Redevelopment Project Should Be Always Carried Out With A Lot Of Caution And Under Supervision Of A Synergized Project Management Consultancy As One Single Mistake Could Land The Entire Society Members In Serious Trouble.

FAQ's On REGISTRATION

Q1: What Is Registration?

Ans. Registration Means Recording Of The Content Of A Document With A Registration Officer And Preservation Of Copies Of The Original Document.

Q2: Why Documents Are Registered?

Ans: The Documents Are Registered For The Purpose Of Conservation Of Evidence, Assurance Of Title, Publicity Of Documents And Prevention Of Fraud. Also, Registration Helps An Intending Purchaser To Know If The Title Deeds Of Particular Property Have Been Deposited With Any Person Or A Financial Institution For The Purpose Of Obtaining An Advance Against The Security Of That Property.

Q3: Which Document Require To Be Compulsory Registered?

Ans. Section 17 Of The Registration Act, 1908 Lays Down Different Categories Of Document For Which Registration Is Compulsory. The Documents Relating To The Following Transaction Of Immovable Properties Are Required To Be Compulsory Registered;

a)     Instrument Of Gift Of Immovable Property;

b)     Lease Of Immovable Property From Year To Year For Any Term Exceeding 1 Year Or Reserving A Yearly Rent.

c)     Instrument Which Create Or Extinguish Any Right Or Title To Or In An Immovable Property Of A Value Of More Than Rs.100.

Under Section 2(6) The Term “Immovable Property” Includes: “Land, Building, Hereditary Allowances, Right To Ways, Lights, Fisheries Or Any Other Benefit To Arise Out Of The Land And Things Attached To Earth, Or Permanently Fastened To Any Things Which Is Attached To The Earth, But Not Standing Timber, Growing Crops Not Grass”

Q4: Which Document Has To Be Registered?

Ans. Section 28 Of Registration Act, 1908 States That All Documents Of Which Registration Is Compulsory If It Relates To An Immovable Property As Well As A Few Documents Of Which Registration Is Optional Should Normally Be Presented For Registration In The Office Of Sub-Registrar Within Whose Sub-District The Whole Or Some Portion Of The Property To Which The Documents Relates Is Situated.

Q5.Is It Possible To Register A Document At A Person’s Private Residence?

Ans: Under Section 31, A Provision Has Been Made Authorizing The Registering Officer, On Special Cause Being Shown (For Instance If The Person Is Physically Handicapped) To Attend At The Residence Of Any Person Desiring To Present A Document For Registration And Accept For Registration Such A Document Or A “Will”, Provided Registering Officer Is Satisfied About The Special Cause Shown Is Sufficient.

Q6. What Procedure Is Followed At The Time Of Lodging A Document For Registration?

Ans: For Registration Of Any Instrument, The Original Document Which Should Be Typed/Printed On One Side Only Along With Two Photocopies Of The Original Have To Be Submitted To The Registering Officer. The Copies Are Required To Be Photocopied Only On One Side Of The Paper And There Has To Be A Butter Paper Between The Two Photocopies.

Documents Required With The Society Before Proceeding For Redevelopment.

Documents With The Society:

ü      Society Registration Certificate.

ü      List Of Members And Share Certificates.

ü      Complete Copy of Agreements For Sale/ Resale Of Individual Flats With Stamp Duty Paid And Duly Registered.( Chain Of Agreements If Required )

                

From Developer / Land Owners:

ü      Development Agreement

ü      Death Certificate Of Owners Of The Land ( Incase Of Death)

ü      Partnership Deed Of The Partners And Registration Document

ü      Sale Agreement With The Builder

ü      Will, Probate Copy, In Case The Development Agreement Is Signed By Legal Heirs

ü      Land Agreement For Development Rights

ü      Copy Of Power Of Attorney Given By Owners In Favour Of The Builders To Develop The Land, Construct The Building And Sell The Flats

City Survey Office / Talathi / Tahsildar Office:

ü      7/12 Extract

ü      KJP ( KamiJastaPatra)

ü      Form No.6 – Property Extract (Hakkache Patra)

ü      Property Registered Card.

ü      City Survey Map/ Tikka Sheets

Collector Office:

ü      N. A. Order

ü      U.L.C. Order ( If Required )

ü      N.A. Tax Paid Receipt

From Local Authority / BMC

ü      BMC Approved IOD Plans.

ü      BMC (Commencement Certificate)

ü      BMC (Occupation Certificate)

ü      BMC (Building Completion Certificate)

ü      BMC (Property Tax Paid)

ü      Location Map

Report From Professional:

ü      Physical  Survey Report - From Architect / Licensed Surveyor Engineer

ü      Last 30 Years Search Report - From An Advocate

ü      Title Clearance Certificate About The Property By An Advocate.

Defect Liability Period

Defect Liablity Period Means, If During The Three Year Period After Giving Occupation Certificate, If There Are Any Defects Like Leakage, Fall out Of The Plaster, It Is The Developer's Responsibility To Set The Things Right.


The Architect Has To See The Type Of The Terrace Water Proofing viz IPS, Broken Mozak Flooring Or China Mozak Or Any other Defects.


 The Architect Will Have  To Carry Out Supervision Of The Repairs/ Redevelopment Work Till It Is Completed Entirely. In Case Of Need,He Will Have To Seek Advice Of The Structural Engineer. It Will Be The  Responsibility Of The Developer/Society To Pay The Fees Of The Structural Engineer.


The Entire Job Of Repairs & Restorations Has To Be Supervised By Qualified Engineers/Architect.

Carpet area: In a first, FIR against 'cheating' builder

In perhaps the first case of its kind, the police have registered an FIR against a builder for allegedly cheating flat owners on the carpet area of their homes.

Last week, the MHB police station in Borivli (W) finally lodged the FIR after persistent efforts on the part of residents of Rose-Mar Apartment Cooperative Housing Society, IC Colony, who complained that their builder, Da Vincy Constructions, had shortchanged them by giving them less carpet area than promised.

The society was redeveloped a couple of years ago and the builder constructed a new wing to rehouse the existing residents and another wing which he sold to new flat buyers.

Recently, as many as 15 occupants from both the wings approached the police after they realised that the builder had "tricked" them by giving them less carpet area than mentioned in the agreement.

To strengthen their case with the police, the residents appointed an architect and valuer's firm to measure their flats. The results shocked them; the carpet areas arrived at in the independent survey were totally different from those quoted in the agreement signed with the builder as shown in the BMC record.

One of the flat owners, the Ganwani family, on whose complaint the police registered the FIR, said, "I purchased flat B-201 and executed an agreement for sale with the builder for a carpet area of 720 sq ft for Rs 24.50 lakh in March 2006 when the building was still under construction. However, when I measured the flat later, I found the carpet area was only 599.59 sq ft—a shortfall of 120.41 sq ft. If want to sell the flat, I will have to suffer a double loss as the agreement is for 720 sq ft." According to Ganwani, the builder has shortchanged the entire society by providing about a collective 1,800 sq ft less than the agreement.

The builder, Vincy Moraes, when questioned by a Newspaper, claimed it was "an error". "The agent who went to register the agreement documents entered the figures wrongly," he said. "I have explained this to the police." Moraes said he was willing to compensate the old residents if there was a difference in the carpet area and to "resolve the issue" with new flat buyers.

According to housing advocate Vinod Sampat, the police generally do not entertain complaints against builders and tell the complainants to go to court though this kind of cheating is a cognisable offence and the police are duty-bound to register an FIR. "As for agreements signed with builders, buyers have little choice but to sign on the dotted line," he said. "But not even one per cent of the agreements are drafted as per the Maharashtra Ownership of Flats Act."

Redevelopment Rules For Societies

Redevelopment Of Housing Societies Is Usually Fraught With Acrimony And Complaints Of High-Handedness And corruption Against The Managing Committee.


Hence With A View To Ensure Transparency In Societies Seeking To Undertake Redevelopment Projects, The State Co-operative Department Has issued Guidelines For Societies To Follow Under Section79(A) Of The Maharashtra Co-operative Act,1960.


The Guidelines Were Issued After A Committee Comprising The Co-operatives Commissioner & CIDCO Chairman Was Formed To Study A Slew Of complaints By Members Of Housing Societies Undertaking Redevelopment.


According To An Important Feature In The Guidelines, A Redevelopment Scheme Can Be Approved By The General Body only If Three-Fourths Of The Society Members Are Present In The Meeting.


Also The Special General Body Has To Approve The Bid Of The Successful Bidder In A Meeting Attended By The Registrar. The Entire Proceedings Has To Be Video-Recorded.


Once The Agreement Is Accepted In Terms Of Area & Corpus Fund, It Cannot Be Revised. On The Other Side,Rules Have Been Drawn Up To Make The Developer Accountable.


 The Successful Bidder Has To Give A Bank Guarantee Equivalent To 20% Of The total Project Cost, And proof That He Will Not Abandon The Project Midway.


The Development Agreement,Too, Must Be Signed On Carpet-Area Basis. 


Most Importantly, If For Some Reasons, The Successful Developer Is Unable To Complete The project, He Cannot Sell His Agreement To Another Developer.


Shri.Nilesh K Vice President Of LandguruZ, Who Guides Housing Societies In Redevelopment Issues, Said These Guidelines Will Bring Transparency And Give A Boost To Development Projects.
"The Most Important Guideline Is That The Development Agreement Signed With A Particular Builder Cannot Be Transferred To Someone Else. Such Transfers Create A Lot of Confusion and Raise Allegations of Corruption," He Said.

Police Helpline Number For Senior Citizen

Rising Real Estate Prices Are Not Just Affecting Prospective Buyers But Also Senior Citizens.

Landsharks Are Allegedly Giving Senior Citizens  Who Own Properties In Mumbai A Hard Time.

 With Nowhere To Go The Senior  Citizens Can Now Directly Avail Justice By Dialing The MUMBAI POLICE ELDER-LINE  No. 1090

Safeguarding Redevelopment Interest Of your Societies.mpg

Redevelopment & Project Management Consultancy A Synergy

LandguruZ A Stepping Stone In Redevelopment...

It is Found That For A Redevelopment Of A Society, Different Professionals Are Hired To Safeguard And Guide The Society & its Members Towards The Completion Of The Project.

It is Seen That These Professionals Along With The Society Members And the Developer Seldom Come Together Under One Roof So As To Have A Co-ordinated And A Time Bound Redevelopment.

It is A Need For All The Society Members, The Developer And Project Management Consultants To Work Together Efficiently And More Importantly To Be Transparent In Working In A Synergy Thereby Fulfilling Timely Commitments.

Redevelopment Of Societies- The LandguruZ Way

Mumbai Today Is Undergoing A Revolutionary Change In Terms Of Skyline Development & Infrastructure Exponential Up-Gradations Are Noticed In Terms Of Lifestyle Activities Like Malls & Multiplexes.

We As A Group Foresee Lack In These Exponential Up-Gradations In The Field Of Redevelopment Activities.

Also The Mumbaikars Are Not Benefited In Terms Of Fulfilling There Dreams Of Having Their Ideal Homes As the Current House Owners Are Not Properly Educated About Their Rights And Thereby Actually Being Deprived Of Their Benefits.

We As A Group Of Professionals Have Formed LANDGURUZ So As To Cater The Redevelopment Needs Of your Society And to Make All Aware Of What A Redevelopment Is.

Contact Us For Free Visual Presentations On Redevelopment

: 9820202142/022-28950090