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HO: HRM:115:3093 09.10.2023

NOTICE TO ALL RETIRED EMPLOYEES

ISSUED BY MEDICAL INSURANCE DEPARTMENT
HEAD OFFICE, BARODA .,
I '.

Madam/Sir,

Re: Renewal of Group Health Insurance Policy for Retired Employees

Under IBA Medical Insurance Scheme: 2023·24

We are pleased to inform that, IBA has announced the Renewal of Group Medical
Insurance Policy 2023-24 for Retired Employees under IBA Medical Insurance Scheme.
MIs. National Insurance Company Ltd. shall continue as the Insurer for the Policy Period
from 01st Nov 2023 to 31st Oct 2024 and Ericson Insurance TPA pvt. ltd. will serve as the
TPA.
The Salient Features of the renewal policy are as under:
1. Following Retired Employees / Spouse of Retired Employees are eligible to avail this
year's policy (Base Policy + Top-up Policy):
a. All those who were covered under the previous year (2022-23) Retiree Group
Health Insurance Policy.
b. Retired Employees / Spouse of Retired Employees / Spouse of Deceased
Employees (Including Spouse of Retired Employees deceased during last year),
who have opted out / not availed the IBA Retirees GHI Policy 2022-23 only but
covered in policy year 2020-21 and 2021-22.
c. Those Employees Retired / Voluntary Retired during 01 st Oct 2022 to 30th Sept
2023.
d. Those Employees who Retired during the policy period 01 st Oct 2022 to 30th Sep
2023 and have / have not joined the one month's interim IBA Retirees Group Health
Insurance Policy for the period from 1st October 2023 to 30th October 2023.
2. Retired Employees / Spouse of Retired Employees who had opted out / not availed the
IBA Retirees GHI Policy 2020-21 & 2021-22 and also not availed 2022-23 policy are
eligible to avail this year's Retiree GHI Base Policy of Rs. 2 Lacs ONLY. They will NOT
BE ALLOWED to opt for Top-up Policy.
3. The terms and conditions of the Policy are revised as under:
a. Insurance Company has offered Uniform Base Policy of Rs.2 Lacs for both Retiree
Officers and Award Staff with concept of caps/limits along with Top-up options
varying from Rs.1 Lac to RS.1 0 Lacs.
b. Room Rent charges in Retirees Uniform Base policy of Rs.2 Lacs are as follows;
[Bed Charge/Room Rent/Boarding Expenses per day]:

Metro/Urban Centres RS.3000

Other Centres RS.2500

[ICU Charges per day]:

J Metro/Urban Centres RS.6000

.fs- Other Centres RS.5000

~~-~~, ~"I<r.f, arr<:.am;i" 576, arr<:.~m, ~, iRtrr-390007, 1frof

Head Office, HRM, Baroda Bhawan , R S No 576, R C Dutt Road, Alkapuri,Baroda - 390007, INDIA
~ I Tel.: 02652316625/26
Ua."';,..~I;nC!' •••.~",..a hntfflh."..,lI'",fho •• ,,"'''!Io ,..,,""
 lit III ,,-.1,.[

c. Where Retired employees and spouse both are alive, family floater premium
has to be compulsorily paid; Except in cases when - Spouse of Retired staff
has taken separate policy ! Spouse is settled abroad / Spouse is
separated/divorced / Retiree is unmarried.
d. Retirees can opt with/without domiciliary option in Retirees policy 2023-24
irrespective of option they have chosen in previous year policy 2022-23.
e. Retirees who are covered in 2022-23 policy but not availed Top up can also avail
Top up Policy for 2023-24.The TOP-UP policy will be activated only after the
exhaustion of the Limit prescribed in the Base Policy.
4. All bills! receipts for purchase of medicine must bear valid GST No.{Printed) of the
issuer. Please note that the Condition is applicable for both hospitalization and
domiciliary (OPD) Claims.

As informed by M/s. National Insurance Company Ltd. following options/ variants are
available in connection with renewal of the Policy in respect of Retired Employees for the
period from 01/11/2023 to 31/10/2024:-
i. Single Person Sum Insured
Retired employees! Spouse of Retired employees can avail coverage as applicable
for a Single Person (only in cases as clarified in point 3.c), by paying premium at
reduced rates. They can opt for uniform Base Policy of Rs.2 Lacs along with Top-up
options varying from RS.1 Lac to Rs.1 0 Lacs.
Note: If Retiree has opted for single premium, then he/she has to continue with
the same option for next 2 years also and he/she will not be allowed to move
from single premium to family floater option.
ii. Family Floater Sum Insured
Retired employees can opt for uniform Base Policy of RS.2 Lacs along with Top-up
options varying from Rs,1 Lac to Rs.1 0 Lacs.

A) Option I - Without Domiciliary Coverage

Under this Option, expenses incurred in connection with hospitalization alone are
covered and expenses incurred for domiciliary treatments are NOT covered.

B) Option II - With Domiciliary Coverage

Under this Option, expenses incurred for dorniclliary treatments are also covered for a
list of diseases (as per Annexure C), in addition to the hospitalization expenses.
However, the coverage for expenses incurred in connection with domiciliary treatments
shall be capped at a maximum of 10% of the Base Policy Sum Insured (i.e. Rs.20,000/-)

1. Retired Officers & Award Staff - Premium (WITHOUT DOMICILIARY and WITH
DOMICILIARY):
(Amount in Rs. /-)
Cover Retirees Without Domiciliary Retirees With Domiciliary
Available (With GST) (With GST)
Single
Sum Insured Family Floater
Person I Family Floater Single person

t.~
200000 I 26454 17857 49005 33079
c~
Page I 2
"!I'mif~, 1t1'1'HielfJ'1-~f.t,m, ~"fil"1I", <IIR:.am-;f576, <IIR:.~-m-,~, ~-390007, 'IfmI"
Head Offico, HRM, Baroda Bhawan , R S No 576, R C Dun Road, Alkapurl,Baroda - 390 007, INDIA
'!ir.r / Tel.: 02652316625/26
.Uloni,..':tlinco'.J'f3n"o. h""lh\hf3na,,,lh,, •.,,Af3 •... _......_
2. Top-Up Policy cover for all retired employees having Uniform Base Policy of Rs.2
Lacs with or without domiciliary.
(Amount in Rs.I-)
Retirees Without Domiciliary Retirees With Domiciliary
Top Up (With GST) (With GST)
Amount Single
Family Floater Family Floater Single person
Person
100000 27159 18332 35307 23832
200000 50919 34371 66196 44683
300000 58014 39159 75417 50908
400000 60860 41081 79118 53406
500000 70078 47303 91101 61493
600000 77130 52063 100268 67681
700000 80684 54462 104889 70801
800000 87070 58772 113190 76404
900000 93456 63083 121493 82008
1000000 101966 ! 68828 132556 89476

Kindly note the following conditions before opting Base and Top-Up Option:
1. The uniform base policy of Rs.2 Lacs will be with below mentioned
caps/limits:

a. Caps on Bed Room/Room Rent/Boarding Expenses per day.

b. Caps on ICU Charges per day.

c. Caps on Stand-alone ceiling/cap on treatments.

d. Caps on cost of implants.

e. Caps on Physician/Specialist consultation charges.

f. Caps on Operations.

(Complete details on capping for uniform Base Policy of Rs. 2 Lacs is

mentioned in Annexure A)

2. Once the Top-Up variant is opted by the retiree, the entire policy i.e., Base
Policy + Top-up will not have the caps as mentioned above.

3. Domiciliary Expenses are not covered under Top-Up Policy.

Retired Employees I Spouse of RetiredEmployeesmayopt for suitable Policy, matchingtheir

requirements after fully understanding I analyzingthe policy variants.

Detailed Policy variants Options / Coverage - Single or Family Floater, With or Without
Domiciliary, With or Without Top-up, available to Retired Employees and the corresponding
premium to be paid (Including GST) for renewal/joining of policy are as given below:

t'()Y Page I 3
"!I'8'R~, 1l1"1·nlttlti"1 ~fi1t1!m, ~'II'fi1, aR.am;t 576, aR.~-m-, ~,~-390007, "IfIUf
Head Office, HRM, Baroda Bhawan , R S No 576, R C Dun Road, Alkapuri,Baroda - 390 007, INDIA
'!ir.r I Tel.: 02652316625/26
"'.o."'i"":IIlin~'lr~I"'I"'o hl"'\lfflh~n",...l'h~ •. ",...~,..nrn
 liI!/, II,ti,.,

Option I - Without Domiciliary Coverage:

Family Floater Single Person

Total Total
Total Premiu
Sum Top - Premiu
Sum Sum Base Top - m
Insured Up m- Base
Insured Insured Policy Family Up Single
Top - Policy Policy
- Base (Base + Premiu Policy
Up Premiu (Base + Premiu (Base +
Policy Top m- Premiu
Policy m- Top - m Top -
Up) Family m
Family Up Up
Policy) Policy)
10 Lac 12 Lac 26454 101966 128420 17857 68828 86685
9 Lac 11 Lac 26454 93456 119910 17857 63083 80940
8 Lac 10 Lac 26454 87070 113524 17857 58772 76629
7 Lac 9 Lac 26454 80684 107138 17857 54462 72319
6 Lac 8 Lac 26454 77130 103584 17857 52063 69920
2 Lac 5 Lac 7 Lac 26454 70078 96532 17857 47303 65160
4 Lac 6 Lac 26454 60860 87314 17857 41081 58938
3 Lac 5 Lac 26454 58014 84468 17857 39159 57016
2 Lac 4 Lac 26454 50919 77373 17857 34371 52228
1 Lac 3 Lac 26454 27159 53613 17857 18332 36189
Nil 2 Lac 26454 NA 26454 17857 NA 17857

Option II - With Domiciliary Coverage:

Family Floater Single Person

Total Total
Premiu Premiu
Total Top - m- Super m
Sum Sum Base Up Family Top - Single
Sum Insured Insured Policy Policy (Base + Base Up (Base +
Insured -Top - (Base + Premiu Premiu Top - Policy Policy Top -
- Base Up Top m- m- Up Premiu Premiu Up
Policy Policy Up) Family Family Policy) m m Policy)
10 Lac 12 Lac 49005 132556 181561 33079 89476 122555
9 Lac 11 Lac 49005 121493 170498 33079 82008 115087
8 Lac 10 Lac 49005 113190 162195 33079 76404 109483
7 Lac 9 Lac 49005 104889 153894 33079 70801 103880
6 Lac 8 Lac 49005 100268 149273 33079 67681 100760
2 Lac 5 Lac 7 Lac 49005 91101 140106 33079 61493 94572
4 Lac 6 Lac 49005 79118 128123 33079 53406 86485
3 Lac 5 Lac 49005 75417 124422 33079 50908 83987
2 Lac 4 Lac 49005 66196 115201 33079 44683 77762
1 Lac 3 Lac 49005 35307 84312 33079 23832 56911
Nil 2 Lac 49005 NA 49005 33079 NA 33079

l..
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Page 14
"lIlJTiJ~, l1ii1'Hi6i8i1 ~~, ~~, <iIR.anRS76, <iIR.~"06,~, ~-390007, 1!"mf
Head Office, HRM, Baroda Bhawan, R S No 576, R C Dutt Road, Alkapurl,Baroda - 390 007, INDIA
'!i'r.r I Tel.: 02652316625/26
SPECIAL PERSONAL LOAN TO BOB STAFF PENSIONERS:
Bank is extending "Special Personal loan to BOB staff pensioners" to help them in
payment of their Medical Insurance Policy renewal premium.
The maximum loan amount shall be up to the renewal premium amount or Rs 1,28,4201-
whichever is less and can be repaid in maximum of 10 EMls. Copy of this loan scheme is
enclosed as Annexure B the Loan may be availed up to 24th Oct, 2023.

Those Retired Officers/ Award Staff/ Family Pensioner, who wish to avail loan may
approach their pension paying Branch.

The loan disbursed amount would be credited by the Branch to Pensioner's saving
account, in which the monthly pension is being credited.
We are sure that this loan scheme will mitigate the hardships of having to bear the burden
of the higher premium amount in one go.
The installment of Loan repayment will be deducted by the Pension Paying Branch every
month.

Important Points:
a. All those retired employees I Spouse of Retired employees, who wish to join the
policy 2023-24 should submit their OPTIONS ONLINE through HR Connect
latest by 24-0ct-2023.
The Online Application for Renewal of GHI Policy 2023-24 will be activel
available from 10.10.2023 to 24.10.2023 on Bank's HR Connect Module
under Medical Insurance Tile, path of which is given below:
https:llhrconnect.bankofbaroda.co.in ------>
'Medical Insurance' Tile
(The menu is self-explanatory)
login by using your User Id, (Example:- Retiree Name is Ram Mohan and
EC No. is 1234, then User Id is RM001234)
Note:- EC No. must consist Six Numeric Digits.
An OTP will be received on registered Mobile Numberl Email Id (Anyone
will be sufficient), which is linked with HR Connect.
b. All those retired employees / Spouse of Retired employees, who wish to join the
policy 2023-24, must ensure that, his 1 her Mobile Number / Email Id is linked /
registered in HR Connect & Pension paying Account 1 Premium paying Account.
c. Details to be provided at the time of submitting online option:
i. Spouse (Name and Date of Birth), (Required for Family Floater)
ii. Account number and IFSC code of Branch
iii. Email Address and Mobile No
iv. Full Address with District, State, Pin Code for any communication.
v. Choose correct option.
d. Kindly note that there will be NO AUTO RENEWAL of the Insurance Policy
this year. Hence, those retirees who want to avail medical insurance policy
must compulsorily submit option for the same in HR Connect by 24th Oct
2023 failing which insurance cover will not be extended.
e. The premium as per the Option exercised will be debited on 26th October 2023,
from their Account which would be provided by them at the time of submission
of the Option. It is therefore advised that sufficient balance be kept in the
G;{:-
D_L. iven account. -
~~ Page l S
'!I!I"R~I"qti6Ig"-~fit1!T1r, ~'Ifir.f, am:.arnof576, am:.~m, ~,~-390007, 1fmf
Hea(l Office, HRM, Baroda Bhawan , R S No 576. R C Outl Road, Alkapuri,Baroda _ 390 007, INDIA
tit;; / Tel.: 02652316625126
 f. Options submitted online will be treated as the authority to debit the account for
premium amount.
g. Once option is exercised online, NO further change would be allowed after 24th
Oct 2023.
i. Once the premium is debited, no change in option will be allowed.
ii. Please note that NO HARDI SOFT Copy of the renewal option needs to
be submitted at Head Office or any other Branch / Office.

If sufficient balance is not available on 26-oct-2023 in your account, it shall be

construed that, the concerned is not interested in continuing the Medical
Insurance Policy and accordingly the Renewal of the Policy shall not be effected.

IT IS THE RESPONSIBILITY OF THE MEDICAL INSURANCE OPTEE TO ENSURE

MAINTENANCE OF ADEQUATE BALANCE IN THE DESIGNATED ACCOUNT FOR
DEBITING THE PREMIUM AMOUNT.

For any further clarification please email at:medicalinsurance.ho@bankofbaroda.com

G
n (Brajesfl K ar Singh)
V. Chief Gene al Manager - HRM
~pyto:
1. All branches/Offices in India for information with the request to display a copy of
this notice on your notice board for benefit of all retired staff members.
2. All Branch Heads are advised to extend the Special Personal Loan to BOB staff
Pensioners as per Annexure-B. to help them in payment of their Medical Insurance
Policy renewal premium under the scheme code LAA 664.
Note: No hardcopy of Option form to be accepted at any Branch/Office.

Page I 6
'!fffI'iI'~, 111,,'HiMI., ~fct'IN, ~"f1fif, 3lR.amot 576, 3lR.-amrm, ~,~-390007, 'II'mf
Head Office, HRM, Baroda Bhawan , R S No 576, R C Dutt Road, Alkapuri,l3aroda - 390007, INDIA
'!iH / Tel.: 02652316625/26
Annexure A

Base Policy for the retired employees and officers would be based on the following main
features:

i) Bed Charge/room rent/Boarding expenses per day:

Metro/Urban centres 3000

Other centres 2500

ii)ICU Charges per day:

----.---------------------------~
Metro/urban centres 6000
Other centres 5000

iii)Standalone Ceiling/cap on treatments:

Treatment Max. reimbursement
High fever, typhoid, jaundice, other ailments, etc. requiring 40,000 max.
hospitalisation
Coronary Angiogram 16,000
An_gioplasty 1,00,000
CABG - bypass surgery 200,000
Open heart surgery for valve replacement 200,000
Cataract 30,000
Cost of intra-ocular lens 10,000
Knee Replacement 100,000
Lithotripsy - multi sitting - kidney stone removal 35,000
Hip replacement 100,000
Lasik surgery package per eye 15,000
Hernia 40,000
Hydrocele 20,000
Piles/hemorrhoidectomy 30,000
Appendicectomy 30,000
Cho lecystectom y 40,000
Prostatectomy 40,000
FESS 30,000
Dialysis 2,000
Female Diseases/Surzerv
Hysterectomy 40,000
Mastectomy 40,000

Cost of im lants Max.

Temporary Pacemaker implantation 30,000
Permanent Pacemaker Implantation 40,000
Cost of Stent 30,000

~
Page I 7

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In case the patient is to be moved to a hospital 1 nursing home outside the urban
agglomeration 1 municipal limits, then the expenses incurred on conveyance may be
reimbursed at the following rates:

Ambulance Category Ceiling

Non-Cardiac Rs.2,SOOI-
Cardiac Rs.S,OOOI-

Other Charges:
Ventilator or respiratory charges Rs.5,0001- per day + oxygen charges
Oxygen charges Rs.IOOI- per hour (Max.Rs.1 ,0001- per day)

Physician Consultation Charges per visit:

Registration charges Rs.200/-
Consultation I routine visit RsAOOI-
Night visit 1 emergency visit - Rs.600/-

Specialist Consultation charges per visit:

Consultation I Routine day visit Rs.5001-
Consultation with ECG 1 Night visit 1 Emergency visit Rs.7001-
Physiotherapy charges Rs.300/- per day

Charges for Operations (maximum):

Anesthesia Theatre Char es
5,0001-
Minor operation under GA I 5500/- 25001- 3,0001- (fixed)
7,0001- 7,0001- (fixed)
9,0001- 10,0001- ( er hour)

... &

Page I 8
VflTif~, "1'1'H:jijltl.,-~~, ~~, 0IR.amofS76, OIR.~m,~, "iRtrr-390007, 'fmr
Head Office, HRM, Baroda Bhawan , R 5 No 576, R C Dutt Road. Alkapuri,Baroda - 390007, INDIA
Tel.: 02652316625/26 m/
IUlo"'i,..'Slino'I"~"""'o h,..tt;\h'!lonlr",fh~ •• t"\"'!lo ,.. _ _..
Annexure B

I 1 Target Group All Retired Staffs (Including sub-staff) of Bank Of Baroda (Pensioners),
who have opted for "Group Medical Insurance for Retirees" are
required to remit the renewal premium for the same. (To National
Insurance Company Ltd).
2 Purpose a) Exclusively for funding the renewal premium amount of Group
Medical Insurance for Retirees.
b) No other purpose/ requirements to be considered under the
scheme.
3 Maximum Amount of Upto the Renewal Premium amount (inclusive of GST) for the IBA
Loan Group Mediclaim Insurance for Retirees' or Rs.1 ,28,420/- whichever is
lower.
4 Macgin Nil
5 Repayment Period Maximum -10 - months (in EMI's)
6 Rate of Interest One year BRLLR (Baroda Repo Linked Lending Rate) + Strategic
Premium
7 Processing Charges Nil
8 Prepayment Nil
charges
9 Penal Interest Nil
10 Sanctioning a) The Sanctioning Authority will be the Branch Head of the Bank
Authority & Lending where the retiree is maintaining pension account.
Powers b) DLP of Clean Loans shall be exercised by the Sanctioning
Authority.
11 Documents to be a) Application Form (Existing application for Baroda Loan to
submitted Pensioners may be used).
b) Details of EC No. / PPO No. etc.
I 12 Documentation a) DP Note
I b) Letter of Instalment with Acceleration Clause.
c) Declaration cum Undertaking cum Authority.
d) Authority letter to recover monthly I nstalment from pension account
and to recover the instalment from family pension in case of demise
of the retired staff member.
13 Other Conditions a) The Loan sanctioned will be credited to the pension account of the
retiree for payment of gross premium only.
b) To ensure that the retiree is deprived of not getting insurance cover
under the scheme, the disbursed amount to be credited to the
Pension account of the retired employee.
The procedure as advised by HRM Department from time to time
should be followed for remitting the amount of premium.

Monthly instalments to be recovered from the pension paid by the

branch every month on the date of payment of pension without fail.

Proper noting is to be made in the borrowers pension file regarding

granting of the Loan to ensure that the pension payment is not
transferred to any other branch during the EMI period.
14 Scheme code Account should be opened in Finacle under the separate scheme
code:

M~'-~U7~~
LAA 664

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Page I 9
~~, ql.,q6eltl.,-~fit1n1T, ertm"l'r.r, am:.iIIlI'f 576, am:.~U6, ~,~-390007, 'I!mf
Head Office, HRM, Baroda Bhawan , R S No 576, R C Dun Road, Alkapuri,Baroda - 390 007, INDIA
'liR / Tel.: 02G5231GS25/26
1\lloAi"''!IIli"~I.r~n,..a hnrn'\h~n"nfh"3rn~~ ronrn
 d",
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g

Annexure C
Domiciliary Hospitalizationl Domiciliary Treatment
Sr. No Treatments
1. Cancer
2. Leukemia
3. Thalassemia
4. Tuberculosis
5. Paralysis
6. Cardiac Ailments
7. Pleurisy
8. Leprosy
9. Kidney Ailment
10. All Seizure disorders
11. Parkinson's diseases
12. Psychiatric disorder including schizophrenia and psychotherapy
13. Diabetes and its complications
14. Hypertension
15. Hepatitis -8
16. Hepatitis - C
f 17. Hemophilia
18. Myasthenia gravis
19. Wilson's disease
20. Ulcerative Colitis
21. Epidermolysisbullosa
22. Venous Thrombosis(not caused by smoking) Aplastic Anaemia
23. Psoriasis
24. Third Degree burns
25. Arthritis
26. Hypothyroidism
27. Hyperthyroidism expenses incurred on radiotherapy and chemotherapy in the
treatment of cancer
28. and leukemia
29. Glaucoma
30. Tumor
31. Diptheria
32. Malaria
33. Non-Alcoholic Cirrhosis of Liver
I
34. Purpura
35. Typhoid
36. Accidents of Serious Nature
37. Cerebral Palsy
38. Polio
39. All Strokes Leading to Paralysis
40. Haemorrhages caused by accidents
41. All animal/reptile/insect bite or sting /~n::: ::---.
42. Chronic pancreatitis !0.J .
%~/.OfBA~~
~~?~

43. Immuno suppressants ·k~·~; ~.

'" w--'- .-.
'W. Multiple sclerosis! motorneuron disease l~ ~m~<1"""~"<I"Ji-1
.<I.-.!lltal! ~,n1t· '" .".

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K
s- . ~
.>', \0,,,, 'k.;,pu
~3f<'\~
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Page 110
'Il'Ifr'f~, ,"",cHHIf.l"-~~, ~"qq.f, atR.am;f 576, atR,~ ' .. , ,"iItnrr-390007, 11mf
Helld OffiCII, HRM, aaroda Bhawan • R 5 No 576. R C Dutt Road, Alkapuri.Bar~da - 390007, INDIA
'lit'1" / Tel.: 02652316625/26
 "i li;I/, "'. 1./
B ,k
" .-.
45. Status asthamaticus
46. Sequalea of meningitis
47. Osteoporosis
48. Muscular dystrophies
49. Sleep apnea syndrome(not related to obesity)
50. Any organ related (chronic) condition
51. Sickle cell disease
Systemic lupus erythematous (SLE)
52. Any connective tissue disorder
53. Varicose veins
54. Thrombo embolism venous thrombosis/venous thrombo embolism (VTE)]
55. Growth disorders
56. Graves' disease
57. Chronic Pulmonary Disease
58. Chronic Bronchitis
59. Physiotherapy and swine flu shall be considered for reimbursement under
domiciliary treatment.
60. Type1 Diabetes
61. Rheumatoid Arthritis (RA)
62. Psoriasis/ Psoriatic Arthritis
63. System Lupus Erythematous
64. Inflammatory Bowel Disease
65. Addition's Disease
66. Sjogren's Syndrome
67. Hashimoyo's Thyroiditis
68. Autoimmune Vasculitis
69. Pernicious Anemia
70. Celiac Disease
71. Autoimmune Myositis

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Page I 11
WT'f~, +41'1'uiel'l'1 ~~, ~JP"fif, <!iR:.am;f 576, <!iR:.~~, ~,~-390007, 1fmf
Head Office, HRM. Baroda Bhawan • R 5 No 576. R C Dutt Road. Alkapuri,Baroda· 390 007, INDIA
'Iir.r / Tel.: 02652316625/26
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