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Motor accident mediation authority (MAMA)

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Motor accident mediation authority (MAMA)

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Motor accident mediation authority (MAMA)

  1. 1. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com MOTOR ACCIDENT MEDIATION AUTHORITY (MAMA) M.R. KRISHNA MURTHI V. THE NEW INDIA INSURANCE CIVIL APPEAL NOS. 2476-2477 OF 2019. FILMA V TRADEMARK DEPARTMENT
  2. 2. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com In Indian judiciary, especially the Motor Accidents Claims Tribunal (MACT) is branded with an image of breeding a ‘mountain of pending cases. The use of Mediation is being explored, but not practiced with robustness; and the possibilities of Alternative Dispute resolutions (ADR) are enormous in the arena of Insurance dispute resolutions. INTRODUCTION
  3. 3. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com • The Motor Vehicles Act, 1988 is an Act of the Parliament of India which regulates all the aspects of road transport vehicles. • This Act came into force from 1 July 1989. • This Act replaced the previous Motor Vehicle Act 1939 which earlier replaced the Motor Vehicle Act 1914. • Motor Vehicles Act created a new forum named Motor Accidents Claims Tribunals which substituted civil courts in order to provide cheaper and speedier remedy to the victims of accident of motor vehicles MOTOR VEHICLES ACT, 1988
  4. 4. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com According to the Motor Vehicles Act, 1988, any person who has suffered an injury, permanent disability or death caused by a motor accident, the victim or their next of kin is entitled to claim a compensation through the Motor Accidents Claim Tribunal or MACT. MOTOR ACCIDENT CLAIM
  5. 5. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com MACT deals with matters related to compensation of motor accidents victims or their next of kin. The Tribunal deal with claims relating to loss of life/property and injury cases resulting from Motor Accidents. MOTOR ACCIDENTS CLAIMS TRIBUNAL
  6. 6. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com Mediation is a process wherein the parties meet with a mutually selected impartial and neutral person who assists them in the negotiation of their differences. REFERAL FOR MEDIATION Reference to ADR and statutory requirement Section 89 and Order X Rule 1A of Code of Civil Procedure, 1908 require the court to direct the parties to opt for any of the five modes of alternative dispute resolution and to refer the case for Arbitration, Conciliation, Judicial Settlement, Lok Adalat or mediation. If the suitable method is mediation, the court shall refer the dispute to mediation and direct the parties to be present before the Mediation Centre with the counsel, if any. It is ideal that the referral judge ensures presence of the parties before referring the case to one of the ADR methods. MEDIATION
  7. 7. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com • Lok Adalats are also organised by the Legal Services Authorities • Settlement of cases by Lok Adalats have their own pros and cons. • Lok Adalat should continue because of its own advantages. This needs to be followed at All India Level. • NALSA should take up and monitor the same SETTLEMENT OF CASES BY LOK ADALATS
  8. 8. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com FACTS OF THE CASE The appellant herein, who is a practicing advocate M R Krishna Murti, had suffered a nasty accident at the young age of 18 years. The accident has caused almost 40% of disability to him and the same was declared by the Government hospital. The victim filed the case for the compensation. The victim got the compensation but not in proper time. Consequently, the justice given was not adequate. The petitioner moved the top court after a Delhi high court order refused to grant him sufficient compensation for an accident, he had suffered in 1988. The counsel of the victim expressed the need for the setting up of MAMA. It would lead to the easy disposal of the cases. M.R. KRISHNA MURTHI V. THE NEW INDIA INSURANCE CIVIL APPEAL NOS. 2476-2477 OF 2019.
  9. 9. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com The court also said there is a "dire need" for deciding the accident claim cases without delays and within a reasonable period. Verdict of the Supreme Court dated March 5, 2019, by a Division Bench comprising of Justices A.K. Sikri and S. Abdul Nazeer, envisaged a new procedure, for expediting the Motor Accident Claims Cases, through the Motor Accident Mediation Authority (MAMA), under the aegis of the National Legal Services Authority, till such time the Motor Vehicles Act 1988, is amended. M.R. KRISHNA MURTHI V. THE NEW INDIA INSURANCE CIVIL APPEAL NOS. 2476-2477 OF 2019.
  10. 10. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com A large number of fatal accidents has given rise to a phenomenal quantum jump in claim cases, the court said, while underlining need to have mediation as an ADR in such matters. Government to consider the feasibility of enacting Indian Mediation Act to take care of various aspects of mediation in general. The Government may examine the feasibility of setting up MAMA. It can do so by making necessary amendments in the Motor Vehicles Act. GUIDELINES ISSUED
  11. 11. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com The court said there may be a possibility of reducing the number of road accidents, but occurrence cannot be totally eliminated. Such accidents, particularly fatal accidents, would always lead to filing of claims by the victims and/or kith and kin of victims, for compensation Bring about a mechanism which prevents delays in awarding compensation to them. The Supreme Court had directed State governments to set up MAMAs and held that reference to mediation for settlement of motor accident claims is mandatory. The Supreme Court has directed the Centre to set up Motor Accident Mediation Authority (MAMA) in every district of India in order to avoid delay in disposal of motor vehicle accident cases. GUIDELINES ISSUED
  12. 12. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com In the interval, NALSA is directed to set up the Motor Accident Mediation Cell. In addition to which can function independently under the guidance of NALSA. Such a framework should be prepared within a period of two months. It should start functioning immediately thereafter at the given levels as suggested in this judgment. It referred to an earlier apex court judgement of 2017 in which the court had directed all the states to implement the Modified Claims Tribunal Agreed Procedure formulated by the Delhi High Court in December, 2014. The Modified Claims Tribunal Agreed Procedure as approved by High Court of Delhi in its order dated 7th December, 2018 has the propensity to ensure speedy disposal of MACT cases. GUIDELINES ISSUED
  13. 13. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com Reiterating the directions passed by the court in 2017, the bench asked NALSA to take up the issue in coordination and cooperation with various high courts. Further, court directed that there should be programs from time to time, in all State Judicial Academies to sensitizing the presiding officers of the Claims Tribunals, Senior Police Officers of the State Police as well as Insurance Company for the implementation of the said Procedure. The apex court also dealt with the issue about ensuring receipt of compensation awarded by the claim tribunals in the "safe hands" of road accident victims or his kin. GUIDELINES ISSUED
  14. 14. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com We impress upon the Government to look into the feasibility of framing necessary schemes and for the availability of annuity certificates. This exercise may be done within the period of six months and the decision be taken thereupon. Implement Annuity Deposit Scheme to receive the same in Equated Monthly Instalments (EMIs) can ensure that compensation is delivered to the persons for whom it is meant. There is, therefore, a need to implement the MACAD Scheme by the Claims Tribunals in the entire country. Directed 21 banks to implement its operative documents on All India basis. GUIDELINES ISSUED
  15. 15. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com Mediation, to speed up settlement of motor accident claim cases so that victims can receive compensation without having to wait endlessly. PROCEDURE TO BE FOLLOWED BY MAMA It is mandatory for Accident investigators to Send a copy of his report to MAMA Send an e-mail to National Road Safety Council MAMA will issue notice to all parties Interim compensation, if required Completion of paper work Mediation between parties Complete safety in the hands of the recipient Amount settled will be given as annuity certificate. MOTOR ACCIDENT MEDIATION AUTHORITY (MAMA)
  16. 16. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com Accident Police investigations Report from police or claim from victim MAMA issues notice to all parties Pleadings completed Mediation proceeding If settled, recorded and disposed If not settled referred to MACT Inquiry Award
  17. 17. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com The claims tribunal shall disburse the awarded amount to the claimants in phased manner through MACAD Scheme. All banks will appoint a Nodal officer and the list of Nodal Officers and their emails will be submitted to all tribunals. The Nodal officers shall ensure the implementation of the MACAD scheme by their branches. The tribunal shall send a copy of the disbursement order by email to the Nodal officer who shall ensure of the disbursement within three weeks of the receipt the email. MOTOR ACCIDENT ACLAIMS ANNUITY DEPOSIT SCHEME
  18. 18. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com • Access to justice will substantially increase. • The court costs will reduce. • Insurance sector costs (as a pay out) will reduce. • Annuity Certificates of the pay-out will nearly eliminate the ‘slicing away’. • The actual benefit to the recipients will be more (with Annuity Certificates). EFFECT OF MAMA
  19. 19. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com When mediation is a voluntary process, compelling and relegating the parties to mediation is contrary to the spirit of mediation. This is very detrimental to accident victims, as well as advocates, as it would minimise, if not eliminate, the role of advocates in such cases. The new mediation scheme has wide ramifications for the accident victims, past, present and future. The advocates will also be deprived of their right to practice in this jurisdiction, due to the unreasonable restrictions envisaged therein. DRAWBACK OF MAMA
  20. 20. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com It is also highly doubtful, whether fair and just compensation to the victims would be possible, in the absence of advocates for the petitioners in the mediation process. The greatest drawback of the scheme is the direction to deposit the compensation, payable to the victims on successful mediation or otherwise, to be invested in annuity schemes, keeping it out of reach of the accident victims. Only on failure of mediation, the motor accident victims approach the Motor Accidents Claims Tribunal. DRAWBACK OF MAMA
  21. 21. CHENNAI C2-A, Industrial Estate, Guindy, Chennai - 600 032. Tel: +91 - 44 - 22501318, 42107341 BANGALORE Suite 920, Level 9, Raheja Towers, 26-27, M G Road, Bangalore - 560 001. Mob: +918277460648 COIMBATORE #1533, Trichy Road, Coimbatore – 641018. Mob: +919385432921 HYDERABAD Vatika Business Centre, Suite 10,3rd Floor, NSL Icon, Road No. 12,Banjara Hills, Hyderabad - 500034. Mob: +917901691606 COCHIN Suite 49, 8th Floor, Centre A, Alapatt Heritage Building, MG Road, Cochin – 682035 Tel: +91 - 484 - 2366216 EMAIL info@altacit.com WEBSITE www.altacit.com

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