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PNB Met Life Super Saver Plan: Analysis & Review– Should you buy?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


All our aspirations & goals need financial support. 

To fulfil all your aspirations & goals, have you started saving at an early age?

But more importantly, have you started saving at the RIGHT place?

Will PNB Met Life Super Saver Plan help you accumulate your savings? 

Will it provide long-term financial protection for you and your family?

Table of Contents:

1.)What is the PNB Met Life Super Saver Plan?

2.)Features of the PNB Met Life Super Saver Plan

3.)Eligibility Criteria of the PNB Met Life Super Saver Plan

4.)Benefits receivable under the PNB Met Life Super Saver Plan

  • Death Benefit
  • Maturity Benefit
  • Bonus

5.)Other Benefits of the PNB Met Life Super Saver Plan

6.)Grace period, Revival, Discontinuance & Paid-up of the PNB Met Life Super Saver Plan

7.)Free Look period of the PNB Met Life Super Saver Plan

8.)Surrendering the PNB Met Life Super Saver Plan

9.)Advantages of the PNB Met Life Super Saver Plan

10.)Disadvantages of the PNB Met Life Super Saver Plan

11.)Research Methodology

12.)IRR of the PNB Met Life Super Saver Plan

13.)PNB Met Life Super Saver Plan vs Other Investments

14.) PNB Met Life Super Saver Plan vs. PPF vs. ELSS

15.)Final verdict

What is the PNB Met Life Super Saver Plan?

It is an Individual, Non-linked, Participating, Savings, Life insurance plan. 

There are 3 plan options under this policy which are mentioned below:

Option1: Savings + Get life cover for the entire policy term. A Lump sum benefit on death or maturity

Option2: Savings + Family care – In addition to the Savings option benefits, all the future instalment premiums payable after the death of the policyholder are not required to be payable. 

The policy continues & the maturity benefit is receivable.

Option3: Savings + Healthcare – In addition to the Savings option benefits, this option offers a Waiver of Premium (WOP) on the occurrence of Critical Illness. No future premium is payable until the end of the premium paying term.

Features of the PNB Met Life Super Saver Plan:

  • You have the flexibility to choose your premium paying term: 5, 7, 10, 12 or 15 years
  • You have the flexibility to choose bonus pay-out options: Accumulation or Liquidation
  • This plan offers you guaranteed benefits receivable at the end of your policy term.
  • The non-guaranteed benefits can be received at the end of your policy term or you can receive them every year after your premium paying term.
  • Under the family care option, the maturity benefit is paid as scheduled even after the death of the Life Assured and no future premiums are payable after death.
  • Under critical illness care, on the occurrence of a specified critical illness, all future premiums are waived & the benefits continue for the policyholder.
  • Get additional cover through accidental death and serious illness riders, at a nominal cost.

Eligibility Criteria of the PNB Met Life Super Saver Plan:

Let us first understand the basic structure of this policy by carefully studying the tables below:

Plan Option

Option 1: Savings 

Option 2: Savings + Family Care 

Option 3: Savings + Health Care

Bonus options

Accumulation Or Liquidity

Premium Payment Term (PPT) (Years)

5, 7, 10, 12, 15 and Regular pay

Minimum Sum Assured 

2,20,000

Maximum Sum Assured

As per Board approved underwriting policy

Premium Payment modes

Yearly / Half Yearly / Monthly

There are several Premium Payment Terms available to the policyholder as mentioned below,

You can choose at your convenience:

Premium Payment Term 

Minimum Policy term 

Maximum Policy term

5 and 7 

10

20

10

11

20

12

13

20

15

16

20

Regular Pay

10, 12 and 15

The Minimum and Maximum Premium to be paid in this policy are mentioned below:

Premium Payment Term 

Minimum Premium

Maximum premium

5

50,000

Basis the Basic Sum Assured accepted as per Board approved underwriting policy

7

35,000

10

25,000

12, 15 and Regular pay

20,000

The Minimum and Maximum age at entry and how each option reflects this are mentioned below in the table:

 

Option 1: Savings 

Option 2: Savings + Family Care 

Option 3: Savings + Health Care

Minimum age at entry

0 (30 days)

18

18

Maximum age at entry

55- 60

45 – 60

45 – 55

Minimum age at maturity

18

28

28

Maximum age at maturity

80

70

70 – 75

Benefits receivable under the PNB Met Life Super Saver Plan:

Death Benefit:

Under Option 1 & 2 – Sum Assured on Maturity + Accrued Simple Reversionary Bonus, if declared + Terminal Bonus, 

if declared subject to a minimum of 105% of Total Premiums paid up to the date of death.

Under Option 3 – Sum Assured on death

All future premiums shall be waived for the remaining Premium Payment Term.

At the end of the policy term, Sum Assured on Maturity + Accrued Simple Reversionary Bonus, if declared + Terminal Bonus, if declared.

Sum Assured on death, will be higher of

  • 10 times the Annualised Premium 
  • Basic Sum Assured (BSA)

Maturity Benefit: 

If the Life Assured survives until the Maturity Date, the following Maturity benefit payable shall be payable.

Under all the options – Sum Assured on Maturity + Accrued Simple Reversionary Bonuses if declared + Terminal Bonus if declared.

Bonus:

Simple Reversionary Bonus (SRB) – This bonus commences from the 1st Policy Anniversary till the end of the policy term to the policyholder.

Terminal Bonus (TB) – This is declared from the 10th Policy Year onwards or from the third last policy year whichever is earlier.

Accumulation: Simple Reversionary Bonus, if declared will accrue throughout the Policy Term and is paid as a lump sum on the Maturity Date or death (except in Plan option 2: Savings + Family Care), whichever is earlier. 

For Savings + Family Care option, after the death of the Life Assured, the Simple Reversionary bonus, if declared, shall be accrued and paid along with the Maturity benefit.

Liquidity: Simple Reversionary Bonus, if declared, accrues during Premium Payment Term & will be paid at the Maturity Date or death (except in Plan option 2: Savings + Family Care) whichever is earlier.

Simple Reversionary Bonus, if declared after the expiry of the Premium Payment Term till the Maturity Date or Death, whichever is earlier will be paid at the end of each policy year to the policyholder. 

Other Benefits of the PNB Met Life Super Saver Plan:

Loan:

The loan can be taken against the policy once it acquires a Surrender Value. The maximum amount that can be availed is 90% of the Special Surrender Value of your policy.

Riders:

  • PNB MetLife Accidental Death Benet Rider Plus.
  • PNB MetLife Serious Illness Rider.

Rebate on High Sum Assured:

You will be eligible for a discount on the Premium depending on the Premium paying term & The Basic Sum Assured Amount.

Flexible premium payment modes and modal factors:

You may choose to pay premiums in Yearly, Half Yearly, or Monthly mode.

Premium Paying Mode

Modal Factors

Half Yearly

0.5131

Monthly

0.0886

The Grace period, Revival, Discontinuance & Paid-up of the PNB Met Life Super Saver Plan:

Grace period:

A grace period of 30 days from the due date of the unpaid premium will be allowed for payment of the premium without interest.

This grace period is reduced to 15 days if you had opted for the monthly mode of payment.

Revival:

If your policy is lapsed or paid up, under one condition, you can revive the policy, which is within a period of five consecutive years from the date of the first unpaid premium by paying the arrears of premiums along with interest at the prevailing rate of interest.

Discontinuance:

If you discontinue the payment of premiums before your policy has acquired a Surrender Value, 

Your Policy will lapse at the end of the grace period and the Death Benefit and Rider Benefits, if any, will cease immediately.

Paid-up:

If the policy has acquired a surrender value and no premiums are paid in the future,

The policy will continue as a Reduced Paid-Up policy with reduced benefits unless the policy is surrendered.

Free Look period of the PNB Met Life Super Saver Plan:

If the Policyholder is not satisfied with the “Terms and Conditions” of the PNB Met Life Super Saver Plan, it can be returned within 15 days from the date of receipt of the policy bond stating the reasons for objections.

This Free Look Period will get extended to 30 days in case this policy was sold to you online or through Distance Marketing.

Surrendering the PNB Met Life Super Saver Plan:

The policy will acquire a Surrender value if all due instalment premiums for the first two consecutive years are paid. 

On surrendering the policy, you will be entitled to get the Surrender Value, which is higher than the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) of the policy.

For Savings + Family Care option, after the death of the life assured, the policy shall continue until maturity and cannot be surrendered.

Advantages of the PNB Met Life Super Saver Plan:

  • Premium paying terms & modes can be chosen at your convenience.
  • Bonus can be received yearly or you can choose to get it accrued.
  • The policyholder can get life cover for the entire policy term.
  • Safeguard your family’s future even in your absence with no future premiums payable after the death, which is available under option 2: Savings + Family.
  • Protect your financial goals against illnesses with a Waiver of Premium on 35 critical illnesses which is available under option 3: Savings + Health.
  • The policyholder is eligible for tax benefits on premiums paid under Section 80 and benefits received under Section 10 (10D), as per the Income-tax Act.

Disadvantages of the PNB Met Life Super Saver Plan:

  • The bonuses are non-guaranteed. As the bonus that you may receive yearly under the liquidity option are non-guaranteed in nature, you cannot earmark any expense / short-term financial goal.
  • The sum assured is too low, which may not be sufficient to meet the financial goals of your family.
  • Some of the allied benefits are available under options 2 & 3 only. Option 1 is a Simple Endowment Policy.

For more details, read the PNB Met Life Super Saver Plan’s policy brochure.

Research Methodology:

We have evaluated all the details of the PNB Met Life Super Saver Plan. But, it is not enough to decide whether we should buy this plan or not.

So, now we are going to do research and analyse the IRR of the PNB Met Life Super Saver Plan to see whether this plan will benefit us or not.

In this research methodology, first, we are going to see the IRR of the PNB Met Life Super Saver Plan by using the PNB Met Life Super Saver Online Calculator.

Then we are going to use the same value to calculate the return on other investment alternatives.

Later, we are going to compare the IRR of Bajaj Allianz Life Assured Wealth Goal vs. other investments.

This method of research can give us a clear view to decide whether we should buy this plan or not.

IRR of the PNB Met Life Super Saver Plan:

Let us assume:

 A 40-year-old male pays an annual premium of Rs. 1,50,000 & chooses the accumulation of bonus option. 

Let us analyse the IRR under all three-plan options that are available under the PNB Met Life Super Saver Plan.

Male

40 years

Annual premium

1,50,000

Premium Paying term

15 years

Policy Term

15 years

Bonus option

Accumulation

 

Option 1

Option 2

Option 3

Sum Assured

21,14,865

19,64,611

20,47,320

 

At 4%

At 8%

At 4%

At 8%

At 4%

At 8%

Maturity Benefit

28,87,030

35,95,931

26,81,917

33,40,452

27,94,824

34,81,084

IRR

3.06%

5.66%

2.16%

4.80%

2.66%

5.28%

The above illustration has been determined using the assumed investment returns at 4% and 8% in worst and best-case scenarios respectively.

After calculating the IRR under each variant, neither of the plan options works out to an inflation-beating return.

Locking your funds for a longer term of 15 years would mean the time value of your money would get eroded under this plan.

The Maturity benefits do not seem sufficient enough to meet your financial goals along with not being able to provide adequate life cover for your family in your absence.

So, Let us compare the IRR of the PNB Met Life Super Saver Plan with other investment alternatives to get a more clear picture of whether it is worth investing in for the long run or not.

PNB Met Life Super Saver Plan vs Other Investments:

Let us take the same scenario as in the above illustrations in the PNB Met life benefit illustration & compare it with other Investment alternatives. 

In the above benefit illustration, a 40-year-old male takes the PNB Met Life Super saver plan for an annual premium of Rs.1,50,00 for a 15-year policy term.  

Let us assume the same person takes a Pure Term Insurance Policy for a life cover of Rs. 1 crore for a policy term of 15 years. 

The annual premium would amount to Rs.18,000. 

The balance amount left after paying the premium for the pure-term policy is invested in other Investments for your financial goals.

These investments could be done based on your risk appetite & investment horizon. 

Having an adequate life cover separately & investing in your financial goals separately will provide you with a road map for achieving better returns in the future.

Pure Term – Sum Assured:

Rs. 1 Crore. 

Policy Term:

15 Years

Annual premium:

Rs. 18,000

Investment for goals:

Rs. 1,32,000

PNB Met Life Super Saver Plan vs. PPF vs. ELSS:

Here PPF & ELSS instruments are considered for investing the balance amount left after paying the premium for pure term life cover,

A comparison of Debt and Equity-related Investment Instruments can be seen in the table below.

   

Term Insurance + PPF

Term insurance + ELSS

Age

Year

Term Insurance premium + PPF

Death benefit

Term Insurance premium + ELSS

Death benefit

40

1

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

41

2

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

42

3

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

43

4

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

44

5

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

45

6

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

46

7

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

47

8

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

48

9

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

49

10

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

50

11

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

51

12

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

52

13

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

53

14

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

54

15

-1,50,000

1,00,00,000

-1,50,000

1,00,00,000

55

 

35,80,024

 

55,11,433

 
           
 

IRR

5.61%

 

10.57%

 

By choosing to invest in either of the two options, you get a life cover of Rs. 1 crore. 

The maturity benefit given here under ELSS Mutual Funds is post-tax returns.

The IRR for Term Insurance + PPF is 5.61%

The IRR for Term Insurance + ELSS is 10.57%. 

From the return perspective & also from the life cover perspective, these options are better for an investor than the PNB Met Life Super Save plan as they can provide you with better returns compared to this policy.

Final Verdict:

PNB Met Life Super Saver plan may look like it is suitable for investors who like to save systematically & invest towards their long-term financial goals. 

But these savings do not enable you to fulfil your financial goals.

Keeping in mind the inflation rate, the return on investment of this plan won’t be sufficient to meet the inflated cost of your financial goals. 

The potential return of the PNB Met Life Super Saver Plan won’t beat inflation consistently over a long duration.

If you have any comments or questions, write them in the comment box below.

Or are you interested in creating a Comprehensive Financial Plan for your financial goals?

Skip the queue by registering for your 30 Minute FREE Financial Plan Consultation. Click the ‘‘BOOK YOUR SLOT NOW!’’ button below. 

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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