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Features of HDFC Freedom Credit Card

  • 1. Rewards Program (CashPoints):
    • Standard Reward Rate: Earn 1 CashPoint for every ₹150 spent on retail transactions (excluding fuel, wallet loads, rent, government transactions, and prepaid card loads).
    • Accelerated Rewards (10X CashPoints): Earn 10X CashPoints (10 CashPoints per ₹150 spent) on transactions with select merchants, including:
      • BigBasket (groceries)
      • BookMyShow (movies and events)
      • OYO (hotel bookings)
      • Swiggy (food delivery and dining)
      • Uber (cab services)
      Maximum cap of 2,500 CashPoints per month for 10X rewards.
    • Special Birthday Offer: Earn 25X CashPoints on spends made on your birthday, capped at 3,000 CashPoints.
    • UPI Transactions: For RuPay variant cardholders, earn 1 CashPoint per ₹150 spent on UPI transactions (excluding fuel, wallet/prepaid card loads, or voucher purchases), capped at 500 CashPoints per month.
Credit Card Promotion
    • Reward Redemption Options:
      • Cashback: Redeem CashPoints against your statement balance at 1 CashPoint = ₹0.15. A minimum of 3,334 CashPoints (equivalent to ₹500) is required for cashback redemption.
      • Travel Benefits: Redeem up to 50% of the booking value for flights and hotel bookings via the SmartBuy Rewards Portal at 1 CashPoint = ₹0.15.
      • Rewards Catalogue: Redeem CashPoints for products, gift vouchers, or air miles through the SmartBuy Rewards Portal.
      • Air Miles Conversion: Convert CashPoints to air miles for partnered airlines.
      • CashPoint Validity: CashPoints are valid for 2 years from the date of the transaction.
    • Welcome and Renewal Benefits:
      • Welcome Bonus: Receive 500 CashPoints upon paying the joining fee.
      • Renewal Bonus: Earn 500 CashPoints annually upon card renewal, provided the renewal fee is paid.
      • Low-Interest Introductory Offer: Enjoy a promotional interest rate of 0.99% per month for the first 90 days after card activation.
    • Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000. Maximum waiver capped at ₹250 per statement cycle.
    • Dining Privileges: Enjoy up to 20% savings on restaurant bill payments via Swiggy Dineout at over 20,000 restaurants across select cities.
    • Interest-Free Credit Period: Avail up to 50 days of interest-free credit from the date of purchase, subject to the merchant submitting the charge on time.
    • Contactless Payments: The card is enabled for contactless payments, allowing quick and secure transactions at retail outlets.
    • EMI Conversion: Convert large purchases into Easy EMI after the transaction. This feature is useful for managing big spends with flexible repayment options.
    • Zero Lost Card Liability: In case of card loss, report it immediately to HDFC's 24-hour call center to ensure zero liability on fraudulent transactions.
    • Revolving Credit: Access revolving credit at a nominal interest rate, allowing you to carry forward your balance with manageable finance charges.
    • Supplementary Card: Apply for an add-on card for family members (parents, spouse, children, or siblings above 18 years). The add-on card is lifetime free.
    • Insurance Benefit: Complimentary accidental death insurance up to ₹50 lakh for the primary cardholder, provided the card is used at least 4 times a month.
    • Annual Fee Waiver: The ₹500 annual fee (plus applicable taxes) is waived if you spend ₹50,000 or more in the previous anniversary year.
    • SmartBuy Cashback: Eligible for SmartBuy platform cashback, capped at ₹1,000 per calendar month, enhancing savings on online purchases.
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Benefits of HDFC Business Regalia Credit Card

  • Rewards Program (CashPoints):
    • Standard Rewards: Earn 1 CashPoint for every ₹150 spent on retail transactions (excluding fuel, wallet loads, rent, government transactions, and prepaid card loads).
    • 10X CashPoints: Get 10 CashPoints per ₹150 spent (up to 2,500 CashPoints/month) on select merchant categories:
      • BigBasket (groceries)
      • BookMyShow (movies and events)
      • OYO (hotel bookings)
    • Birthday Bonus: Earn 25X CashPoints on spends made on your birthday, capped at 3,000 CashPoints.
    • UPI Rewards (RuPay Variant): Earn 1 CashPoint per ₹150 spent on UPI transactions (excluding fuel, wallet/prepaid card loads, or voucher purchases), capped at 500 CashPoints/month.
    • PayZapp & SmartBuy: Get 10X CashPoints on transactions via HDFC’s PayZapp and SmartBuy platforms.
    • Flexible Reward Redemption:
    • Cashback: Redeem CashPoints against your statement balance at 1 CashPoint = ₹0.15 (minimum 3,334 CashPoints for ₹500 cashback).
    • Travel Bookings: Use CashPoints for flights and hotels via the SmartBuy Rewards Portal, redeeming up to 50% of the booking value at 1 CashPoint = ₹0.15.
    • Rewards Catalogue: Redeem for products, gift vouchers, or air miles through the SmartBuy portal, covering up to 70% of the product/voucher value with CashPoints (remaining paid via card).
    • Air Miles: Convert CashPoints to air miles with partnered airlines.
    • Validity: CashPoints are valid for 2 years from the transaction date.
    • Welcome and Renewal Bonuses:
    • Welcome Benefit: Receive 500 CashPoints upon paying the joining fee.
    • Renewal Benefit: Earn 500 CashPoints annually upon renewal, subject to paying the renewal fee.
    • Low-Interest Offer: Enjoy a promotional interest rate of 0.99% per month for the first 90 days after card activation.
    • Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharges for transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
    • Dining Discounts: Save up to 20% on restaurant bills via Swiggy Dineout at over 20,000 restaurants across select cities. Discounts combine restaurant offers and applicable only on payments through the Swiggy app.
    • Interest-Free Credit Period: Avail up to 50 days of interest-free credit from the date of purchase, provided the merchant submits the charge promptly.
    • Contactless Payments: Enabled for contactless transactions, allowing fast and secure payments at retail outlets. No PIN required for transactions up to ₹5,000; PIN mandatory for amounts above ₹5,000.
    • EMI Conversion: Convert large purchases (₹2,500+) into Easy EMI with flexible tenures and competitive interest rates via Smart EMI. Option to convert transactions post-purchase for better financial management.
    • Zero Lost Card Liability: Report a lost card to HDFC’s 24-hour call center (toll-free: 8885545255) to ensure zero liability on unauthorized transactions.
    • Revolving Credit: Access revolving credit at a nominal interest rate (up to 3.6% per month or 43.2% p.a.), allowing you to carry forward balances with manageable finance charges.
    • Supplementary Card: Apply for a lifetime free add-on card for family members (parents, spouse, children, or siblings above 18 years).
    • Insurance Coverage: Complimentary accidental death insurance up to ₹50 lakh for the primary cardholder, provided the card is used at least 4 times a month.
    • Annual Fee Waiver: The ₹500 annual fee (plus taxes) is waived if you spend ₹50,000 or more in the previous anniversary year.
    • SmartBuy Cashback: Eligible for cashback on the SmartBuy platform, capped at ₹1,000 per calendar month, enhancing savings on online shopping.
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Steps to Apply for HDFC Freedom Credit Card

  • Option 1: Apply Online
    • Step 1: Visit the HDFC Bank Website or Partner Platforms
      Go to the official HDFC Bank website and navigate to the Credit Cards section. Alternatively, use trusted third-party platforms like Groww, BankBazaar, CreditMantri, or Paisabazaar for a streamlined application process.
    • Step 2: Select the Freedom Credit Card
      Locate the HDFC Freedom Credit Card from the list of available credit cards. Review its features, benefits, and fees to confirm it suits your needs.
    • Step 3: Click “Apply Now”
      Click the “Apply Now” or “Apply Online” button to start the application process.
    • Step 4: Fill in Personal Details
      Provide basic information, including:
      • Full name
      • Mobile number
      • Email address
      • City of residence
      • Employment type (salaried or self-employed)
      • Monthly/annual income
      • PAN card number
      Ensure the details match your official documents to avoid rejection.
    • Step 5: Submit Eligibility Information
      Enter additional details such as:
      • Date of birth
      • Residential address
      • Employment details (company name, designation, etc.)
      • Income proof details (salary slips or ITR)
  • Option 2: Apply Offline
    • Step 1: Visit an HDFC Bank Branch
      Locate the nearest HDFC Bank branch using the bank’s branch locator on their website. Request a Freedom Credit Card application form from a bank representative.
    • Step 2: Fill Out the Application Form
      Provide personal, professional, and financial details as required. Attach physical copies of required documents (see below).
    • Step 3: Submit Documents
      Submit the completed form and documents to the branch official. The bank may request additional documents if needed.
    • Step 4: Complete KYC
      Verify your identity and address in person using original documents.
    • Step 5: Track Application
      The branch will provide an Application Reference Number to track your application status online or via customer care.
  • Option 3: Apply via Customer Care
    • Contact HDFC Bank Customer Care and request assistance to apply for the Freedom Credit Card.
    • Provide Details: Share your personal and financial details as requested by the representative.
    • Step 1: Document Submission
      The bank may send a representative to collect documents or ask you to visit a branch.
    • Step 2: Track and Receive Card
      Use the provided reference number to track your application and await card delivery upon approval.

Documents Required for HDFC Freedom Credit Card

  • Identity Proof (Any One):
    Aadhaar Card
    PAN Card (mandatory for financial verification)
    Passport
    Voter’s ID
    Driving License
    Context: PAN Card is mandatory for financial verification and tax tracking, while other documents like Aadhaar, Passport, and Voter's ID help with identity verification.
  • Address Proof (Any One):
    Aadhaar Card
    Utility Bill (electricity, water, gas; not older than 3 months)
    Passport
    Rental Agreement (registered)
    Voter’s ID
    Driving License
    Context: Address proof is essential for KYC compliance and card delivery. Recent utility bills or bank statements help confirm your current address.
  • Income Proof (Any One, Based on Employment Type):
    For Salaried Individuals:
    Latest 3 months’ salary slips
    Bank statement (reflecting salary credits for the last 3–6 months)
    Form 16 (for the latest financial year)
    For Self-Employed Individuals:
    Latest Income Tax Return (ITR) with computation of income
    Profit & Loss Statement and Balance Sheet (certified by a Chartered Accountant)
    Bank statement (business account, reflecting income for the last 6 months)
    Context: Salaried individuals need proof of consistent income like salary slips or bank statements. Self-employed individuals must show their ITR and business financials for verification.
  • Photograph:
    Recent passport-sized photograph (may be required for offline applications or physical KYC at a branch).
    Context: Required mainly for offline KYC. For online applications, photos may be requested during Video KYC if needed.
  • PAN Card:
    A copy of your PAN Card is mandatory for financial and credit verification, in addition to other identity proofs.
    Context: PAN Card is essential for tax and credit verification. It is also used to track your financial history and income sources.
  • Bank Statements:
    Bank statement (last 3–6 months) showing salary credits or business income.
    Context: Bank statements are used to verify income and regularity of payments for salaried and self-employed individuals.
  • Proof of Business (for Self-Employed Individuals):
    Business registration documents (e.g., GST registration, MSME certificate, etc.)
    Context: Proof of a registered business helps validate self-employed applicants and their source of income.
  • Form 60/61 (If applicable):
    In case the applicant does not have a PAN Card, Form 60 or 61 needs to be submitted along with other identity and address proofs.
    Context: This form is used as an alternative to the PAN Card for financial verification if the applicant is not in possession of one.
  • Declaration of Existing Liabilities:
    A declaration regarding any existing loans or credit card liabilities (if applicable).
    Context: Helps the bank assess the applicant’s financial health and ability to repay.
  • Rental Income Proof (For Self-Employed or Additional Income Applicants):
    Proof of rental income.
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Eligibility Criteria for HDFC Freedom Credit Card

  • Age:
    Salaried Individuals: 21 to 60 years.
    Self-Employed Individuals: 21 to 65 years.
    Context: Ensures the applicant falls within the working-age group, allowing for repayment capacity.
  • Income:
    Salaried: Minimum net monthly income of ₹12,000.
    Self-Employed: Income Tax Return (ITR) reflecting a minimum annual income of ₹6 lakh.
    Context: Ensures the applicant can meet financial commitments through regular income. Higher income may improve approval chances.
  • Nationality:
    Applicant must be a resident of India. Non-residents or NRIs are not eligible for this card.
    Context: Only Indian residents are eligible due to KYC and card delivery constraints.
  • Credit Score:
    A minimum CIBIL score of 700 or above is typically required.
    A higher score (750+) improves approval chances, especially for applicants with limited credit history.
    Context: Reflects the applicant’s ability to manage credit. A good score increases approval and may lead to better credit limits.
  • Employment Status:
    Salaried: Must be employed with a stable job and verifiable income (e.g., salary slips or bank statements showing salary credits).
    Self-Employed: Must have a registered business or profession with documented income (e.g., ITR, profit & loss statement).
    Context: Verifiable employment ensures stable income for repayment. Self-employed applicants must demonstrate consistent earnings.
  • Residential Status:
    Applicants must have a permanent address in India, verifiable through address proof documents.
    Context: Required for KYC compliance and card delivery purposes. Must align with other documents for approval.
  • Existing HDFC Relationship:
    Applicants with existing accounts or credit cards with HDFC Bank may have an advantage in the approval process.
    Context: HDFC Bank may offer special benefits or faster approval for existing customers with a positive relationship.
  • Debt-to-Income Ratio:
    Applicants should ideally have a debt-to-income ratio of less than 50%. Higher ratios may lead to rejection or lower credit limits.
    Context: A lower ratio indicates better financial health and ability to manage additional credit.
  • Current Credit Limit:
    Applicants must have a reasonable current credit limit with their existing cards, typically greater than ₹50,000 for better approval chances.
    Context: Higher credit limits from other providers indicate responsible credit usage and may improve chances of approval.
  • Previous Credit Card History:
    Applicants with a history of missed payments, defaults, or high credit utilization may face difficulties in approval.
    Context: A clean history reflects responsible credit use, which enhances approval chances.
  • Age of Employment or Business:
    Salaried individuals should have a minimum of 1 year of work experience, while self-employed applicants should have a business operation of at least 2 years.
    Context: A longer employment or business history ensures job stability and consistent income, which are favorable for credit approval.
  • Additional Sources of Income:
    Applicants with additional sources of income (e.g., rental income, investments) may have an advantage.
    Context: Having multiple income streams indicates financial stability and may improve the applicant’s ability to repay debt.
  • Credit Card Utilization:
    Maintaining low credit card utilization (below 30% of the total available credit limit) is favorable.
    Context: Low utilization indicates better credit management and a lower risk for lenders.
  • No Recent Defaults or Legal Issues:
    Applicants must not have a history of bankruptcy, loan defaults, or ongoing legal issues related to credit.
    Context: A clean legal history ensures that the applicant is financially responsible and less risky for credit approval.
  • Stable Residence History:
    Applicants with a stable residence history (staying at the same address for at least 1-2 years) are preferred.
    Context: A stable address suggests that the applicant is financially stable and not at high risk of relocating frequently.
  • Income Verification:
    Salaried applicants may be required to submit salary slips, and self-employed applicants must provide income tax returns and business documents.
    Context: Verification of income ensures the applicant has a stable income source, which is essential for loan repayment.
  • Document Verification:
    Applicants must provide valid KYC documents such as Aadhaar card, PAN card, and address proof.
    Context: Document verification is essential for KYC compliance and for the card issuance process.
  • Minimum Spends Requirement:
    Applicants may need to meet minimum spending requirements for specific offers (e.g., 3-month spend of ₹30,000 to get bonus rewards).
    Context: Meeting spending criteria ensures that the applicant utilizes the card, which can increase the card’s value for the user and the bank.

Factors for HDFC Freedom Credit Card

  • Credit Score:
    Importance: A strong credit score is critical for approval. HDFC typically requires a CIBIL score of 700 or higher.
    Impact:
    • A score above 750 increases approval chances and may lead to a higher credit limit.
    • A score below 700 or a history of defaults/late payments can result in rejection.
    • First-time cardholders with no credit history may still qualify if other factors (e.g., income, employment) are strong.
  • Income Level:
    Requirement:
    • Salaried: Minimum net monthly income of ₹12,000.
    • Self-Employed: Income Tax Return (ITR) showing a minimum annual income of ₹6 lakh.

    Impact:
    • Applicants with inconsistent or unverifiable income may face rejection.
    • Stable, documented income (via salary slips or ITR) strengthens your application.
  • Age:
    Requirement:
    • Salaried: 21 to 60 years.
    • Self-Employed: 21 to 65 years.
  • Employment Stability:
    Requirement:
    • Salaried: Stable employment with a reputable employer, ideally for at least 6–12 months.
    • Self-Employed: Established business or profession with consistent income for at least 1–2 years.

    Importance: Stable employment indicates reliable income and repayment ability.
    Impact:
    • Frequent job changes or new businesses with limited financial history may raise red flags.
    • Long-term employment or a well-documented business improves approval odds.
  • Debt-to-Income Ratio (DTI):
    Importance: The DTI ratio measures your monthly debt obligations against your income. A DTI below 40% is preferred.
    Impact:
    • High DTI (e.g., due to multiple loans or credit card balances) signals financial strain and may lead to rejection.
    • Low DTI indicates you can manage additional credit, boosting approval chances.
  • Credit History and Existing Credit:
    Importance: Your credit history reflects your repayment behavior.
    Impact:
    • A clean record (timely payments, no defaults) supports approval.
    • Defaults, late payments, or high credit utilization (above 30%) can lead to rejection.
    • Multiple active credit cards or recent credit inquiries may signal over-leveraging.
  • Documentation Accuracy:
    Requirement: Submit complete and accurate documents to verify identity, address, and income (see below for details).
    Importance: Documents validate your eligibility and ensure compliance with RBI’s KYC norms.
    Impact:
    • Incomplete, outdated, or mismatched documents (e.g., name on Aadhaar vs. PAN) can cause delays or rejection.
    • Clear, recent, and verified documents expedite processing.

    Required Documents:
    • Identity Proof: Aadhaar, PAN (mandatory), passport, voter’s ID, or driving license.
    • Address Proof: Aadhaar, utility bill (not older than 3 months), passport, rental agreement, or voter’s ID.
    • Income Proof:
      • Salaried: 3 months’ salary slips, bank statement (showing salary credits), or Form 16.
      • Self-Employed: Latest ITR with computation of income, profit & loss statement, or balance sheet.
    • Photograph: Recent passport-sized photo (for offline applications).
  • Nationality and Residential Status:
    Requirement: Must be a resident of India with a permanent Indian address.
    Importance: Non-residents or NRIs are not eligible for this card.
    Impact: A verifiable Indian address (via address proof) is mandatory for KYC and card delivery.
    How to Verify: Submit a valid address proof matching your current residence.
  • Existing Relationship with HDFC Bank:
    Importance: Having an HDFC savings account, fixed deposit, loan, or other banking products can improve approval chances.
    Impact:
    • Pre-existing customers may benefit from faster processing or pre-approved offers.
    • New customers must meet stricter scrutiny but can still qualify with strong profiles.
  • Application Behavior:
    Importance: Your application habits can influence approval.
    Impact:
    • Multiple credit card or loan applications within a short period can lower your credit score and signal financial distress.
    • A single, well-prepared application with accurate details improves approval odds.

Frequently Asked Questions

1. What is the HDFC Freedom Credit Card?
The HDFC Freedom Credit Card is an entry-level credit card designed for first-time cardholders and those with moderate incomes. It offers rewards (CashPoints), dining discounts, fuel surcharge waivers, and other benefits tailored for everyday spending.
2. What are the key benefits of the HDFC Freedom Credit Card?
Rewards: Earn 1 CashPoint per ₹150 spent on retail transactions; 10X CashPoints (up to 2,500/month) on BigBasket, BookMyShow, OYO, Swiggy, and Uber; 25X CashPoints on birthday spends (up to 3,000).
Welcome/Renewal Bonus: 500 CashPoints on joining and renewal.
Dining Discounts: Up to 20% off via Swiggy Dineout at 20,000+ restaurants.
Fuel Surcharge Waiver: 1% waiver (up to ₹250/statement cycle) on fuel transactions between ₹400–₹5,000.
Insurance: Complimentary accidental death cover up to ₹50 lakh (with 4 monthly transactions).
Interest-Free Period: Up to 50 days.
EMI Conversion: Convert purchases (₹2,500+) into Easy EMI.
3. Who is eligible for the HDFC Freedom Credit Card?
Age: Salaried: 21–60 years; Self-Employed: 21–65 years.
Income: Salaried: Minimum net monthly income of ₹12,000; Self-Employed: ITR of ₹6 lakh per annum.
Nationality: Must be an Indian resident.
Credit Score: Minimum 700 (higher scores improve approval chances).
4. What documents are required to apply?
Identity Proof: Aadhaar, PAN (mandatory), passport, voter’s ID, or driving license.
Address Proof: Aadhaar, utility bill (not older than 3 months), passport, rental agreement, or voter’s ID.
Income Proof: Salaried: 3 months’ salary slips, bank statement (showing salary credits), or Form 16; Self-Employed: Latest ITR with computation of income, profit & loss statement, or balance sheet.
Photograph: Recent passport-sized photo (for offline applications).
5. How can I apply for the HDFC Freedom Credit Card?
Online: Apply via the HDFC Bank website or platforms like Groww, BankBazaar, or Paisabazaar. Fill in details, upload documents, and complete e-KYC or Video KYC.
Offline: Visit an HDFC Bank branch, submit the application form with documents, and complete physical KYC.
Customer Care: Call 1800 1600 / 1800 2600 to initiate the process, followed by document submission.
6. How long does it take to get the card approved?
Online Applications: Typically 7–21 working days, depending on KYC and document verification.
Offline Applications: 10–30 working days due to physical document processing.
Delays may occur if additional documents are requested or if your credit profile needs further review.
7. What is the annual fee for the HDFC Freedom Credit Card?
Joining Fee: ₹500 + applicable taxes.
Annual Fee: ₹500 + applicable taxes, waived if you spend ₹50,000 or more in the previous anniversary year.
Add-on Card Fee: Lifetime free.
8. How do I earn and redeem CashPoints?
Earning:
1 CashPoint per ₹150 on retail spends.
10X CashPoints (10 per ₹150, up to 2,500/month) on BigBasket, BookMyShow, OYO, Swiggy, Uber, PayZapp, and SmartBuy.
25X CashPoints on birthday spends (up to 3,000).
1 CashPoint per ₹150 on UPI transactions (RuPay variant, up to 500/month).
Redemption:
Cashback: 1 CashPoint = ₹0.15 against statement balance (minimum 3,334 CashPoints for ₹500).
Travel: Redeem up to 50% of flight/hotel bookings via SmartBuy (1 CashPoint = ₹0.15).
Products/Vouchers: Redeem up to 70% of value via SmartBuy Rewards Catalogue.
Air Miles: Convert to partnered airline miles.
Validity: CashPoints expire after 2 years.
How to Redeem: Use NetBanking, SmartBuy portal, or submit a physical redemption form.
9. Are there any transactions that don’t earn CashPoints?
Yes, no CashPoints are earned on:
- Fuel transactions
- Wallet/prepaid card loads
- Rent payments
- Government-related transactions
- EMI transactions
- Voucher purchases
- Education payments via third-party apps (effective September 1, 2024).
10. What is the fuel surcharge waiver benefit?
Get a 1% waiver on fuel surcharges for transactions between ₹400 and ₹5,000.
Maximum waiver capped at ₹250 per statement cycle.

List of HDFC Branches in Chennai

  • Chennai (Adambakkam)
  • Chennai (Adyar)
  • Chennai (Adyar Gandhi Nagar)
  • Chennai (Akkarai)
  • Chennai (Alandur)
  • Chennai (Alwarpet)
  • Chennai (Anna Nagar)
  • Chennai (Anna Nagar - West)
  • Chennai (Anna Nagar V th Avenue)
  • Chennai (Annanagar Vasantham Colony)
  • Chennai (Arumbakkam)
  • Chennai (Ascendas Taramani)
  • Chennai (Avadi)
  • Chennai (Ayanavaram)
  • Chennai (Ayyappanthangal)
  • Chennai (Besant Nagar)
  • Chennai (CIT Nagar)
  • Chennai (Egmore)
  • Chennai (K.K. Nagar)
  • Chennai (Karapakkam)