Hi,

My name is Manoj Kumar, I am living in Delhi since birth. I works in MNC in gurgaon. My net salary is more than 23000/- per month. My salary a/c is in ICICI bank DLF gurgaon branch.

In the month of December'16 after getting repeatitive calls from various banks for credit card and personal loans offer, I made my mind to take a loan of 300000/- from ICICI.

I submitted all my documents and got the loan approval of 2 lac few thousands from ICICI. After approval I didn't get any call from them. I called customer service to sought the reason behind declining my application. I didn't get any satisfactory answer from them.

Then after a month I got a call from Tata capital who offered me a personal loan. I gave them my details and they said everything is fine and the loan will be approved in no time. All I need to do is just handover the documents to the executive. I waited for the executive to come however he didn't arrive. Then I contacted back to Tata Capital to know the reason. They told me that my loan can not be approve because ICICI has reported my name in the fraud list due to Dual pan cards. I told them that I have only one pan card which I am using since 2015. They asked me to contact ICICI regarding this. I called Icici customer service and they asked me to visit their branch. I went to the nearest ICICI branch but no one helped me there.

I have got my HDFC credit card and ICICI credit card in the year 2016 and I never had any problem ever using my Pan card. I am paying all my credit card bills on time.

Please suggest what should I do as I am in need of Money.

Dear All,

Greetings!

can you please provide the brief explanation regarding ESI and EPF Salary components, what are the wage components can be calculated for ESI and EPF (Minimum to Maximum amount) and which component will come under tax. and what is the tax percentage. please guide on this.

Thanks in advance

Regarding,
Ahammad

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