N BHARAT SANCHAR NIGAM LIMITED (A Govt. of India E'nterPrise) CORPORATE OFFICE (Banking Finance Division) Mathur Lane s* er*t, Bharat SancharBhavan,Harish chandra Janpath,New Delhi-110001 F.No.1-9iBBF/STAFF LOAN l20l 4-r 5 Dated:14.01.2015 To All Circles' IFA various Loan Schemesto Sub: MoU Sinn.d *ith Allahabad Bank for extending BSNL EmPlovees. loans to BSNL employeeshasMou with Allahabad Bank for extending various and conditions and details of rates of been signed on 0g.01.2015. The generalterms interestare given in Schedule-l' Control. Encl: Copy of agreement - (V.V.Sankaran) DGM(BFCI-lll) Phone011-23329670 Fax0ll-23734033 Copyto: Street,New (f{orth), 17"Parliament TheFieldGeneralManager,AllahabadBank,FGMO please' Delhi- 110001for information INDIA NON JUDICIAL Governmentof NationalGapitalTerritoryof Delhi e-Stamp tTflFlc{ Gl.tm CertificateNo" N tN-D155071042334861 lssuedDate Certificate 0 B - J a n - 2 0 1052 : 0 2P M AccountReference D1E L H I /D L - D L H I M P A C C( r V ) /d 1 7 6 0 7 0 3 U n i q u eD o c .R e f e r e n c e 13536598627N su BtN-D1D1760703070 P u r c h a s ebdy ALLAHABAD BANK D e s c r i p t i oonf D o c u m e n t Article5 GeneralAgreement PropertyDescription NA C o n s i d e r a t i oPnr i c e( R s . ) 0 (Zero) FirstParty : ALLAHABAD BANK SecondParty : BSNL S t a m pD u t yP a i dB y : ALLAHABAD BANK S t a m pD u t yA m o u n t ( R s . ) : 100 ( O n eH u n d r e do n l y ) Pleasw e r i t eo r t y p e b e l o wt h i s l i n e --21?-- .,,-) / L---":- Itrtn tgavsuNlL MEIITA - :l iiTilEfiTf{F Field General lv,ani,,-.,^.I -ii{ ,i,r,/Alrahalar:r B;-r1r . ' . 1 . ' -' -..2'' ThisStamppaperis Partof Document ilott Dated ?-1 ac'is -- ' '''4{-'' ---4" - /r' .r..-. ' ."' ,i.'i* .,.5 r;)' d I .{ff\ Statutory A.!ert: 1 f l r e a u t i r t : l , r c t t ! o f t h i s S t i r n t l r C e l t l i c ; t t e S i t ( ) l . t i lilt c t v e r i f t e c l a t w ! \ \ \ , s l r c i e s r a r r r Dr ; o n t 'r\,a c r i _0) r , I l l t c i v e b s t t e i - c n d ! r s t l I r ' ; , tr , . i '1 i l ' t e . r u s e r fc h u c f . i n g t h e e r . JI r | a r . ! ' r S . r i l l l r L ,. , s ! - r So f t t t e i c r t i f t r ; : t l . : I r c a s c u f i i n ' ; r l s c l a i D a i l r c v[ ] l i a s c r f r r . n r l i r e o r r . n D e r l e n iA ! t f r o r 1 i , / u.f ' ' OF UNDERSTANDING MEMORANDUM 2015,at is madeon thisdayninthdayof January of Understanding ThisMemorandum N e wD e l h i . BETWEEN M/s. Bharat Sanchar Nigam Limited (BSNL), a company incorporatedunder the office at 3'd Floor, Bharat CompaniesAct, 1956 having its registeredoffice/corporate , e w D e l h i - 1 0 0 0 1 ,h e r e i na f t e r , a r i s hC h a n d r aM a t h u rL a n e ,J a n p a t hN SanchaB r hawanH referredto as "BSNL" (which term shall mean and include its successorsin title, subsidiaries,associates,affiliates,and assigns) of the ONE PART, through Shri (BFCI-1),the authorisedsignatory(dulyauthorizedto enter into the V.V.Sankaran,DGM p r e s e nM t O Uo n b e h a l fo f B S N L ) AND Allahabad Bank, a body corporate,constitutedunder the Banking CornpaniesAct, Act, 1970)havingits HeadOfficeNo.2,N S Road, (Acquisition & Transferof Undertakings Kolkata having Branch/Officeat Nehru Place among others, hereinafterreferred as "Bank"(whichterm shall mean and includeits successorsin titte and assigns)of the h h r i S u n i l M e h t a , F i e l dG e n e r a lM a n a g e r( N o r t h )t h e a u t h o r i s e d O T H E RP A R T ,t h r o L i g S to enterintothe presentMOU on behalfof the Bank) signatory(dulyauthorized referredto as "parties". BSNLand Bankare collectively WHEREAS: 1 . M / s . B h a r a tS a n c h a rN i g a mL i m i t e d( B S N L )i s a c o m p a n yi n c o r p o r a t eudn d e rt h e office at 3rd Floor. CompaniesAct, 1956 and has its regrsteredoffice/corporate , a r i s hC h a n d r aM a t h u rL a n e ,J a n p a t hN e w D e l h il l 0 0 0 l . B h a r aS t a n c h a rB h a w a n H 2. To benefitits employees,BSNLdesiresa SpecialLoan Packagefor its entirestaff s t r e n g t ho n A l l l n d i ab a s i s . 3 . C o n s e q u e n t l yB,a n k h a d a t t h e r e q u e s to f B S N L ,a g r e e di n p r i n c i p l et o l e n d a n d provideloan facilitiesto employeesof BSNL,on the terms and conrJitions set out below 4. The loan vvillbe evidencedby the Loan Agreementand other Loan Documents (hereinafter referredto as the "Loan Documents")to be executedbetweenBank and Borrovrcrs.In consideration of the loan facilities,the partieshave agreedto e x e c u t et h e p r e s e n tM e m o r a n d u m o f U n d e r s t a n d i nogn t h e t e r m s e r n dc o n d i t i o n s m e n t i o n eb de l o w : r-l:ii, , 'i\ii 1r;ri' B , AS FOLLOWS: NOWTHISDEEDWTTNESSETH l.ThatBankshal|grantthe|oantoBsNLemployeesunderthevariousheadsas andthe sameareas follows: theirrequirement a) b) c) d) e) f) Repair& Renovation' Loanincluding Housing CarLoatt TwoWheelerLoan Loan Educational Loan Personal MoneYFinancing APPlication in processing to extendspecificbenefitsor concessions 2. Thatthe Bankis agreeable as annexecl loans. said periodetc, in respectof the charge,Interest,rnoratorium in respectof the saidloans All othertermsand conditions herewithas Schedule-|. by the Bankfromtimeto time' O" ,. per Bank'istandardterms,as circularized "rift time for 3. That the FinancialQuotationsi.e. FloatingRate of Interestand Average LoanSancticn,forthe|oanfaci|itiesapp|icab|einrespectivecases. of the Bank authorities by the appropriate 4. Thatthe loanfacilitiesshallbe sanctioned andrelaxations' withalltheagreedconcessions capacityof 5. Thatthe limirsfor the loanfacilitiesare subjectto the income/repaying Borrower/s. to the respective according of the loanfacilitiesshallbe applicable 6. Thatthe secr.rrity scnemes. 7. That every toan applicationsubmitted by employee.of BSNL shall be accompaniedby laiest pay sheet of the employee_dulycertified by the concernedDrawingand DisbursingOfficer(DDO)of BSNL' 8. That a copy of sanction accordedon such applicationwill be forwardedby the financingBank to the said DDOfor enablinghim to note the actualEMIof the loan sanctioned.However,in case of educationalloan, the demand for by the branchto the DDO, as andwhen required' EMIwill be communicated 9. Thatthe DDOwill send a mandateto the concernedbranchof the Bank that BSNLshall recoverthe installmentsas per the EMImentionedin the sanction letter, from ..hesalary payableto the employee without fail and remit the same to thc branch of the Bank latest by 10th of each month through ElectronicTransferMode(ECS/ NEFT). 10.Thatthe DDO will also undertakethat in case of retiremenUresignation/ termination/death of the borroweremployee,terminalbenefitspayableto the employeeor his or her legalheir will not be releasedwithoutobtainingprior written"No objection Certificate"from the financingbranchof the Bank' 1 1 . T h a tD D O w i l l m a k e n e c e s s a r yr e c o v e r yf r o m s u c h t e r m i n a ld u e s a s a d v i s e d by the financing branch and remit to the said branch immediatelythereafter. ,,, 7 balance restson dailyreducing on monthly p.rhatthe Bankshallchargetheinterest basis. shall 13.That the mrnimumnet take home salary of the Bank' schemes be governedby the respective on the loan' charges the Bankshallnotchargeprocessing 14.That '15.The Facilities shallbe on floatingrateof interestbasis l 6 . T h a t B a n k s h a | | n o t c h a r g e p e n a | i n t e r e s t f o rsources' prepayment/forec|osureofl own his/her from loan the pays back employee the case lT.Thatthiscleedsha||bebindingupontheparties,theirsuccessorsandassign l B . T h a t a n y n o t l c e , d e m a n d'or o r r e q u e s t u n d e rpostage t h i s d eprepaid, e d s h a |registered | b e i n w r ior ting,and detiveredov plrron"i ="ivice shallbe sent by c e r t i f i e d m a r | , ' t e |'"OJressed e x e d ' t e l e - c o p i e d o r s e n t b y p e r s o n o r oaddresses v e r n i g h or t c oatu r i e r w i t to the pariies,at their respective of recetpt*qr"rt"d, demandor Each.notice, in writing.. suchotherujdr"r" as the partiesmaydesignate requestShallbedeemedtobegivenonthedateitisde|iveredtotheconcer pany. of the submitto the exclusivejurisdiction shallherebyirrevocably 19.Thatthe parties ti"nrn"f. in New Delhi for purposesof any suit' action or other Court and proceed|ngswhichre|atestothisdeed.However,thejurisdictionoftheC respectofthe|oansavai|edunderthisarrangementwi||beaSperthechoi Bank. 20.Thatnoamendment,notificationorre|easefromorwaiverofanyprovisionh unlessin writingandsignedby theparties' shallbe effective 21'Thathisdeedmaybeexecutedintwoormorecounterparts,eachofwhich the sameinstrument. deemedan original,butall of whichtogethershallconstitute 22.rhat this deed and the rightsand obligationshereundershall be construedin lawsof the India' withthe substantive accoroance jurisdiction to be prohibited hereofis foundby a courtof competent 23.lf any provrsion or it shall be ineifectiveonly to the extentof such prohibition or unenforceable shall not invalidatethe and such prohibitionor unenforceability unenforceabilrty, nor prohibited or unenforceable, balanceof suih provisionto the extentit is not hereof. the otherprovisions invalidate -'-* r. with relatingto or arisingfromor connected 24.Inthe eventof anydisputeor difference their MOU, such disputeor differenceshall be referredby either party to the to be arbitrationof or of the Arbitratorsin the Departmentof PublicEnterprises of India,in chargeof Bureauof to the Government by the Secretary nominated Act 1996shallnotbe applicable, andConciliation TheArbitration .., ,-L..publiq-fnterprises. ' ' 1, . .-e=Fz ,. ;..,,.,,.1,,i,,. of the Arbitratorshall be binding to the Arbitrationunderthis clause.The award any party aggrievedby such upon the partiesto the dispute,provided,however, on revisionof awardtot the award may make a furtherreferencefro settingaside of Law & Justice,Government Law Secretary,Departmentof LegalAffairs,Ministry the disputeshallbe decidedby the Law Secretary' of India upon rr.h reference, The partiesin the whose decisionshall bind the partiesfinatlyand conclusively. bytheArbitrator' asintimated thecostof arbitration willshareequally dispute bv authorized Branch other any 0r branch Delhi New f|ACO MnkNenfU l5Albhlbrl o{ will sanction/ drsburseloans to all offices the Field GerreralManageroffice the FieldGeneralManagershallnominate B'NL situatedin Dethi, ior otherplaces than one branchof the Bank)at each at reastone Branch(in case there is more District)for sanction,paymentof secondaryswitchingArea (TelecomRevenue u p o nb o t h d y B S N L .T h i sM o u s h a l lb e b i n d i n g l o a na n d p a y m e not f E M I r e c o v e r e b t h e P a r t i e so n a l l l n d i al e v e l ' giving a notice of 90 days in writing' 26.Either party can terminatethe Mou by c o n t i n u et o r e m a i na s b i n d l n ga n d H o w e v e r ,a l l t h e c l a u s e so f t h e M o u i r r a r r irrespective loanson the date of termination, i. respectof outstanding enforceable of suchtermir-ration. b e a p p l i c a b loen b o t ht h e p a r t i e s ' 2 T . A l l o t h etre r r n sa n d c o n d i t i o nass p e r M o U s h a l l six (36) monthsi'e' f'romthe 2g.Thisagreementshall be varidfor a periodof rhirty of the partiesto the date of executronand shall be renewedwith the consent agreement. CommonSeal to be l N W I T N E S ST H E R E O F t, h e P a r t i e shave causedtheir respective hereinabovewritten,at New affixedto these Presenton the day, month and year first Delhi S i g n e dfor and on behalf of BSNL bY S i g n e df o r a n d b e h a l fo f A l l a h a b a dB a n k b y ---4:+:/ S h r iV . V . S a n k a r a n D G M( B F C I - l ) , h a r a tS a n c h a rB h a w a n ' s t hF l o o r B C h H a r i s h a n d r aM a t h u rL a n e , J a n p a t hN, e wD e l h i -110 0 0 1 Witness - 1 , , t L-l'lt \'* 5'o-",.l.ep5** A.riSAr'' r hawan s t hF l o ' o rB, h a r a tS a n c h a B H a r i s hC h a n d r aM a t h u rL a n e J a n p a t hN, e wD e l h i -110 0 0 1 l ehta ShrS i u n iM FieldGeneralManager(North), Bank, Allahabad Street FGMNorth,17Parliament -110001 NewDelhi Witness- 2 AjayKumar Manager AsstGeneral Bank, Allahabad 24 Rallok Building, NehruPlace,NewDelhi-19 :i:ii! . ---/ o,L -'.1'.' SCHEDULE.l (a) InterestRate Chargeable qe! -l-cF AB DreamCar Loan (for new Cars) SaralLoan ffian ( for wardsof BSNL Employees) uPto 36months Period (presentlyBASE RATE i.e BaseRate(Floating) BR=10.25%p.a) Car Loanwith repaymentperiodabove36 monthsto 84 m o n t h s- B R! 9 Z S ' t " P ' a An * ZSO'Zo P^a (F'tT, i.e' llMs, ISB etc riforinstitutes PremierInstitutions specifiedin Annexure I of HO lC No,12127lRetail - at BaseRate 3lI 4 dated 12.10.2012) Credill2012-1 llTs and PremierMedicalCollegesetc (for institutes specifiedin Annexure ll of HO lC No.12127lRetail iredil21i2-i3t14 dated 12 10.2012)- at BR + 1.00% p a. NlTs and other Collegesetc (for institutesspecifiedin Creditl2012Annexure- lll of HO lC No.12127lRetail + p 1 3 1 1d 4 a t e d1 2 1 0 2 0 1 2 ) a t B R 2 ' 0 0 % ' a . institutesspecifiedin Annexure-' Other lnstitutions(for dated v or Ho lc No 12127tRetailcrediu2012-13114 12 102012) F o r L o a nu p t o R s 4 0 0 l a k h- B R + 2 . 5 0 % F o r L o a na b o v eR s 4 . 0 0a n d u p t o R s . 7 . 5 0l a k h p.a BR+2.50% F o r L o a na b o v eR s 7 . 5 0l a k h- B R + 2 . 5 07 o .0 50%rebateforgirlstudents. willbe allowedif tnterest concession "-1 00%o interest period. paidwithinthe study& moratorium # Rebateand interest concession will be permitted subject to the condition that the effective rate of i n t e r e s ts h a l l n o t f a l l b e l o w B R . F uota: Rate of lnterestas per HO lC No.12127lRetail CrediU20121 3 / 1 4d a t e d1 2 1 0 ? 0 1 2 .( N oc o n c e s s i o n ) '-4H= =={' ---l of the bankfromti- " 4 \ fnstructions As percircufariseO time.Thepresentrateof interestareas under:- Other Schemes ( 1 )A l l b a n kM o b i k e Loan ( for two wheelers) ( 2 ) A l l b a n kA a s h i a n a ( H o u s i n gL o a n ) ( 3 )A p p l i c a t i o nM o n e Y F i n a n c e( f o r a l l o t m e n to f P l o U R e s i d e n t i aU l nits) 1. BR+300%P a (uPto Rs.40,000/-) Crores) 2. BR (uPtoRs.3'00 3. BR (forDDAscheme) (b) MoratoriumPeriod ( i ) A l l b a n kD r e a mC a r O n e M o n t h OneMonth ( i i )A l l b a n kM o b i k e ( i i i )A l l o t h e r s c h e m e s As per CircularisedInstructions (c) ProcessingCharges NIL ( d ) P r e p a y m e nC t harges NIL z2t----c*-::-/' , .-;.' l-- ANNEXLIRE-I I arl .:: i -_- .) t vr . - -' r-iNbl[N ]NSlr urEb"FMANAG EMENr 1 _----- I N A M EO F T H EINSTITUTE r r^rt.b hl,1 IY\J. a a ,.) .i _f_tl_l_u_anreleQqq_ i I N D I A NI N S T I T U T E OF I/ANAGEMEN'T i _jt_l$_ralgi9l9__ -*_-{ I N D I AINN S T I T U O TE FM A N A G E M E I ' Ji T ( l l M )K a s h i p u r - -r NDlAr.irNSTILITEoF M A N A G E M E N T I ( l l M )K o l k a t a I N S T I T U TOEF M A N A G E M E N T i INDIAN i INDIAN I N S T I T U TOEF M A N A G E M E N T ',' -i-L!-!.V)l-ug[r]qwls-{a-Qanp-us i .. i I N D I A NI N S T I T L J TOEF M A N A G E M E N T , O i l l l r \ T ] - . : ^ . . ._ll-lrvr/nilrtr!_r_ _-___.-*l i-rNDiArlINSrrur E-oFtuAf'FGEMENT-*I f_---{J4_ |NSTITTJTE OFMANAGEN/ENT L t' {"nl I| iNDlAr't :: _ _ ' " _i lrtiillN M/ R )\ Ronl hl at :kk I STITUTO E F M A N A G E N / E N T] 1. .4;*5--,,1 . " . / : , r i ) r . 1 1 1 .. , ; , g . . .,, :it l' i 1.,1. , ir.ti, iJ, I, i);rr;,p,r1jr,,,r,..' irit; ,, r,, ANNEXURE.II NAMEOF THEINSTITUTE A L A G A P PC AH E T T I A R C O I I E G EO F TECHNOLOGY A L LI N D I AI N S T I T U TO EF M ( A l l M S,)D e l h i A R M E DF O R C E S MEDICALCOLLEGE (AFNl',C), Pune B A N G A L O BMEE D I C AC L O L L E G EB,a n a r o r e 4 i i B I T S ,P i l a n i 5 6 7 C I I R I S T | AM N E D T C ACLO L L E G E ( C M C ,) V e i l o r e C O L L E GO EF E N G t N E E R t NGGu,i n d I I N D I A NI N S T I T U T E OFFO R E S T M Il 'a l n r U A A A A I L,rrvudl I l i T S J S O MM , umbai ) , 1 4 i t M TG h a z i a b a d 1 5 i I N D I A INN S T I T U TOEF F O R E I GTNR A D ED, e t h i 1 6 1I N D I A N I N S T I T U TOEF F O R E I G N T R A D EK, o t k a t a 1 7 i r r u o r at rNuS T t T UOTFE SCIENCE ( i l S )B , angalore INDIAN I N S T I T U ToF E TECHNOL6cY (ilT) Bhubanesh T E C H N O L O G( Y ltr) INDIANINSTITUTEOTT cHNOLOGY (iltJ 15 /4 Hvderabad INDIAN I N S T I T U TOEFT E C H N O L O G( Y i l T )I n d o r e I N D I A INN S T I T U TOEF TI tLrvnr L Jr Nr \ \.Jt LnlVn\ Jn r zt z i I )ti, ,JodlgL ,,4 i 28 I INDiAN INSTITUTE@ f(anour INDIANI N S T I T U T E O F @ Khara U T I N S T I T U TO EF T E C H N O L O G( Y I truornnr i l T )M a n d i DJ tlt lA t\ L .a ,^. . l l rN t \ NINSTITUTE oFTEMWSN r'/iu rn0al . ' Y lrlT) I t r (ilT) 4*'tuuu' .,'i-*rarP;'t ( IY ITP ) atna INDIAN I N S T I T U TOEF T E C H N O I - O G t*u{t}':\\ INDIAN I N S T I T U TOEF T E C H N O L O G Y r Rooona r -rlN-DrAN (IIT) INSTITUTE OF TECHNOLOGY 32 I Roorkee gi ,i-a';t';-'1"ifl9' a\:ltl,]151: " IND|AN | N S T | T U TOEF T E C H N O L O G( iYl T ) I i H UB a n a r a s ) i V a r a n a s( B I . _.:::-^_ . l.---_-i i N C H O OO L F M I N E S( l S M )D, h a n b a d 34 I INDIAS ( t R M A ) , T N S T I T U T E M A N A G E M E N T R U R A L O F otr and :----r ' . ' .. . ":ri ri -y'..t\ r r { - . , '/' e ' r a\ ) , - / . i J A W A H A R L A ILN S T I T U T E OF PG MEDICAL rtr A N D R E S E A R C H, p o n d i c h e r r y i rcucnloN r l r v r f - - - + l- ^TJRtrtNel < / I r "' S T U D I E SM, u m b a i K A S T U R B AM E D I C A LC O L L E G E M , anipal 3B 39 K r n n F d w a r d | t , 4 e d i c aCl o l l e o e l l e l h i . . " ' \ J - " v v r r v Y v r y v r l L A D YI - I A R D l N Gl \Ei l E D I C A CLO L L E G ED,e l h i i " i A D R AIS N S T I T J TO EF T E C H N O L O G Y +'2 I v I A D R AMSE D I C AC L O L L E G EC,h e n n a i NF GE S E A R C h *,4a r \ , I l'/ARI N EE N G I N E E R I & , l N s TI T U T EK, o l k a t a __+ 44 l''4Dl Gurgaon -1r :v f ilan r v r \ J n, A h m e d a b a d +o N A T I O N AI L N S T I T U TOEF D E S I G NA,h m e d a b a d 47 N I R M AA , hmedabad A A 4.1 N I T I EM u m b a i =_.-_-=-! n r-,..^,J^r.^...r I r ] 49 ;NMIMS P G I N S T I T U TOEF M E D I C AE L D U C A T I O&N 50 iqarh __1FSE489i111_Qt MEO'Q!rod 5t 52 q? S I B MP u n e i SPJIMR I T A T AI N S T I T U TOEF S O C I A L S C I E N C E(ST I S S ) , Mumbai X A V T EIR N S T | T U TOEF M A N A G E M E N ( XTt M ) Bhubaneswar -'4*t{-' ANNFXURE-il1 SL, NO. N A M EO F T H EI N S T I T U T E A N 4 R I I -SAC H O O L M E D I C I NKEe,r a l a B I T S ,G o a C a m p u s B I T S ,H y d e r a b a dC a m p u s B I T SM , e s r aR a n c h i i . C E N T EFRC RE N V I R f f i -r-/\ ro , I T UI Ht t Nt n Or LA AO\ G YA h m e d a b a d u ,n e C O L L E GO EF E N G I N E E R t NpG DE D T C ACLO L L E G EL,u d h i a n a i D A Y A N A NM D I ] I R U B HA AM I B A NI IN A T I T U TOEF I N F O R M A T I O& NCOMMUNICATION IEs! NaIAG Y, Gandhinaqar FACULTO Y F E N G I N E E R i N&G O FT E C H N C L O G Y , --*:-a]pql__ ; N A T I O N AILN S T I T U TO EI =T E C I - ] I . I 3 [ O G Y INSTITUTE I NATIONAL oF TEEHIIOIbE )1 N I T )J, a m s h e d o u r I NATTONA t NLS T I T U TOF E TECHNOLOGY : _-_Lll!]]tXurukshetra lNSlrurEo-m 24 fAJ]ol'AL /,rqtp!L _ )\ _*u_l1i N A T I O N ATLN S T T T U r J tj ) , I i o u r k e l a / I\ |r Tl T\ \ INSTITUTE Om :)?, (NATIONAL NjT), Sitchar I T U T EOF TECHNOL-OGV 2 F , i N A T I O N AtIr u S f U r f otr Ttrnlr.rnrFn I Lvt il y\JL\-/\) I NA T I ON ALIN ST IT L J T E OF TECHNOLOGY ( N l T ) ,W a r a n q a l NATIONALLAWSffi U N I V E B S I TBy a, n q a l o r e NATIONA ULN I V E N S I T VJbUFR I D I C A L ?? ;;- J+ De/hi IEOINOLOGy OF SCMHRD,PUNE i iVEnsTy il'lslffiCql 3B j TuEr'rC H N O L O GM Y u, r n b a i VEERMAIAlEEffi 39 INSTITUTE, Mumbai -'9v [j-'rll ,,".;ffi, '.}ffi?#'' ANNEXTTJRF-LV .*,{{ll"f'' INSTITUTE FOR OTHER RECOGNIZED COLLEGES/ UNIVERSITIES RECOGNIZED BY UGC/ GOW./ AICTE/ AIBMS/ |GMR etc. - - ;4:j:!'i' ',, r 1i.r' ,tl ri -., lr' :: r ,1i* i , .trl i . : ' ; , r- i , i ; : i t : r . , , r , . l F ' i ir
© Copyright 2024