Dear Sir, First of all Thank you very very much. I filled form 15G as per your guidance in above VDO. You have done very hard work to prepare this very usefull VDO. After filling form 15G for EPF withdrawal, I received My claimed amount on 13th day, (including all days of week) . I received claimed amount WITHOUT CUTTING A SINGLE RUPEE.....I thank you very very much for outstanding & very very helpfull VDO.
I am glad this video helped you and thank you for this appreciation comment. There are very few viewers who write feedback after getting the benefit. Keep supporting and stay connected
I really found your video very informative and you explained it in a layman's language so that everyone can understand. I work in real estate and filling up form 15 G/H was very challenging. Just few more points i think you should include are: 1. What are the kind/type of other income that has to be added in point 17 2. Want more clarity in point 18, if its N/A then is it right to fill number of forms filled as point 18 very clearly mentions " Details of forms filled other than this form in P.Y" 3. Also tell viewers than there are two kind of forms 15G and 15H. So 15G is for valid for people below 60 yrs and 15h for above 60 yrs. This is very confusing for people who have no idea of what these forms are. Its important point to mention the difference 4. If somebody is watching your video in F.Y. 2020-21, then how to fill P.Y ending on and A.Y I feel if you include these points, your video will be perfect.
Dear Sir, Thank you 🙏very much for a wonderful video you have made pertaining to filling of Form 15 G.Thank you for wonderful effort. I am going to claim my PF settlement and hope this video will help me a lot. I appreciate your way of presentation which a layman can understand well. Thank you...
Sir, i really thanking you for the video covering all aspects of filling the form So much informative....touching and clarifying all points where mistakes/omissions can happen. Very superb,...you are so fast in communication but anyone can understand.
The video was really awesome Just have one query like if my total service period is less than 5 years and Total PF withdrawal amount is more than 50000 and I belong to 5% Income tax slab then what should I mention in form 15 G Please reply
Hi.Thank you for the video it's very useful. Have a question. In 17 column we need to include of amount with other income. (The other income includes salary for that financial year or any income other than salary.
Hello Tax Guruji... There is a correction on Item 17. The total income for the year need to be mentioned where the tax liability is Zero. As per IT act upto Rs 5lakhs for salaried employees is exempt of tax. So if my net income after all deduction plus pf withdrawal is less than 5 lakhs, that figure needs to be written. For example pf withdrawal is 150,000 and net income for the year is 300,000. Then item 17 should be 450,000.
Hi I have a doubt for column 17, should i include my salary i got from april 2023 to aug 2023 (excluding the deductions of pf etc), my last working month was august
@@rajeshrama2448 same here i have the same doubt as well. I left my job on may 2023. Do i have to include all the salary amount from month of jan to month of may?
Sir, thank you so much for this important informative video regarding form 15g. It will help a lot for a poor employee like me. I have no doubt regarding possible tax deduction if pf amount is above 50k and having employment period of less than 5 years collectively. However, I got one confusion. As per the form sample you used here, it indicated form filing date as 7/18/2019. I supposed you used the date format in mm/dd/yyyy? Plz clarify. Also, incase, if the filing date is sometime in 2019, won't the previous year ending and relevant to the assessment year be 31st march 2019 and 31st march 2020 respectively in declaration/verification section?
Respected sir, Should I fill the form 15G while my amount is more than 50 thousands and my working years is more than 5 year? Please reply sir Thank you so much for your help. 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
@@dkalyan9868 and if you are not feeling safe from tds you can fill 15G, on filling form 15G no tds will apply. Lot of people fill 15G it doesn't matter how much amt you have and for how long did you worked.
@@VikashSharma tq for U r reply bro very tqfull actually my mother 20years service and 97222/-rupees should I fill or not u said clearly I understood say
Sir its very good, informative vdo... I hv a query 1)I had work 14years, 2)pf amount is 2.00lac nd pantiond amount is 73k(more than 50k.) What to do for 15g have to fill or not sir???
Thanks a lot Himanshu. You need not to fill form 15G as your total service is more than 14 years hence TDS will not be applicable while PF withdrawal as per PF rules.
@@TaxGuruJi sir ji my 1st company is more than 8 years and last company is 8 months total 9.2 years in same UAN no. But their is break within. Do I need to submit form 15G
First of all, thank you for such an informative and detailed video. Your videos are always self-explanatory and easy to follow. I have a query, regarding whether my tax would be deducted : I have a total income of 4 lakh and 10 thousand for the assessment year 2020-2021 which include the Provident fund amount as well. My question is will the tax be deducted after claiming the PF amount even after filling the form 15g. My service is less than 5 years and the PF amount is 1 lakh and 4 thousand. Awaiting your response @Tax Guru Ji Much thanks
@@VikashSharma Thank you for a detailed video. I have a query, my total service is 9 yrs and my PF amount is 4,30,000 will my tds be deducted after putting 15G
Hello Sir Thank you so much for such a nice video. I have three questions to clear my doubts. 1- Suppose we have 80,000 in our PF balance and as per govt latest guidelines we can withdraw up to 75% of our PF amount. So, what amount should we write in Column 16? 80,000 or 75% of 80,000 2- Do we need to write CTC+ PF amount in Column 17, or just basic + PF or In hand salary+ PF? Suppose if someone's CTC is 3.8 lakh and in hand 2.9 lakh. So, what amount should be mentioned in Column 17? 3- What amount should be written in the last box of column 19? If you have made any latest video to withdraw PF based on Covid 19 lockdown scenario. Help me with the link. Thanks and regards Mohammad Areeb Please help me in this.
@@TaxGuruJi Hi I left my job on may 2023. This month would be more than 3 months of being unemployed. Am i eligible for 100% Withdrawal? Do i also have to mention the salary i have received so far from jan 2023 to may 2023 in field 17?
Apko ending year 2020 or 2021 dalna hoga or niche ek declaration section hai usme ap ending year me 31 march 2021 or assessment year 31 st march 2022 dalna hoga I hope this information will help you
@@zackpandey9053 Hi Akash. I want to know that you left job in Oct 19 and you filled form in April 2020, then what did you write in coloum 17(Estimated income) as new financial year began in March 20. Thank you
I left my last company in sept 2019 and unemployed since then however my overall experience is 12.6 years. I would like to withdraw my entire amount for which will refer your other video. So i am not supposed to fill any 15G form ....just want to be double sure.
@@TaxGuruJi but if one works continuosly for more than 5 years in same company, then he can still submit the 15G form and futher deductions will not happen. Correct me if I'm wrong and please do reply :-)
Sir I completed 10 yrs job .when I am withdrawing pf online than there is form15 upload section. I have to upload or not.pls clarify. And my pf contribution is 8.5 yrs can I withdraw pension amounts
Thanks Sir,Uploading such knowledgeable videos. I claim my EPF withdrawal via watching your guidance. I received without cutting any TDS amount. Thanks for saving my thousands rupess. its really very helpfull videos.
Nice video : I have a question .. I have resigned in September 2019 and My total PF is 53000 and my salary was 5lac p.a, will there be any deduction if I upload 15 G as well ?
Yamin if your total service is less than 5 years as per EPFO then TDS will be applicable as PF is more than Rs. 50000. The same is clearly explained in the video itself.
@@kirtisharma8759 Kirti ji, his salary was 5L P.A. and clearly explained in the video itself that this is a declaration that your annual income is below taxable limit i.e. Rs. 2.50 lakh. He is not eligible for form 15G as per his income.
Dear Sir, I have resigned from job in July 2019 and my total job period was of 4 years. My epf amount is more than 1.5 LACS. In my case column 17 of form 15G is around 1.5 Lacs. Is it necessary to fill form 15G in my case?
TILL july 2019 uptil now i didnt do any job or income in my case. how to save my tds ?
Dear sir, when I had applied for the pf withdrawal my passbook amount was showing less than 50k so I didn't filed the form 15, however after a few days of applying for withdrawal my passbook got updated the total amount went above 50k. Yesterday I received the message from pf department which says that my TDS has been deducted from the amount and rest amount will be credited to the bank account. Now sir is there any procedure through which I can get back my deducted amount?
Vinod ji you can take help of this video for refund of TDS deducted on PF withdrawal ruclips.net/video/bbZXEBtPB18/видео.html&lc=UgwBEQqheeQR4eYCDsh4AaABAg
Very Useful Video while someone wants to Withdraw amount from EPFO account , i just followed the instructions which was given in the above Video And My Claim got settled with in 10 Days From The Applied day With out any Deduction. Thank you ☺️...
thank you. after watching your vedio i undrestood clearly how to claim .now i can apply with no doubts. steps, eligibility, required scanned copy of, process, i think all well explained. i hope i get claim amount soon. your contribution great help to others.
Dear Sir, Your explanation was succinct and with the help of your video I have submitted my claim form successfully. Thanks for making this to the point.
Very nice video with neat and clear explanation. U have included every stuck points for the process and provided solution with detailed path. Great work
Dear Sir, First of all Thank you very very much. I filled form 15G as per your guidance in above VDO. You have done very hard work to prepare this very usefull VDO. After filling form 15G for EPF withdrawal, I received My claimed amount on 13th day, (including all days of week) . I received claimed amount WITHOUT CUTTING A SINGLE RUPEE.....I thank you very very much for outstanding & very very helpfull VDO.
I am glad this video helped you and thank you for this appreciation comment. There are very few viewers who write feedback after getting the benefit. Keep supporting and stay connected
Did you download form 15G from below the link?
Yes/no
Please me because i have downloaded new form of 15G
You can use new format
@@TaxGuruJi thanks your format is easy. I got it from ITD WEBSITE
You are welcome
As far as I searched, No one else has explained in depth about this matter other than you. Kudos! Thanks dear.
I really found your video very informative and you explained it in a layman's language so that everyone can understand. I work in real estate and filling up form 15 G/H was very challenging. Just few more points i think you should include are:
1. What are the kind/type of other income that has to be added in point 17
2. Want more clarity in point 18, if its N/A then is it right to fill number of forms filled as point 18 very clearly mentions " Details of forms filled other than this form in P.Y"
3. Also tell viewers than there are two kind of forms 15G and 15H. So 15G is for valid for people below 60 yrs and 15h for above 60 yrs. This is very confusing for people who have no idea of what these forms are. Its important point to mention the difference
4. If somebody is watching your video in F.Y. 2020-21, then how to fill P.Y ending on and A.Y
I feel if you include these points, your video will be perfect.
Yes , agree
Thank you so much sir Actually I was really worried how to fill this form . Now it's clear . Thank you so much once again❤❤🙏🙏
Because of your help,we saved 500rs just to fill this form 15g, very nice explained video
Dear Sir,
Thank you 🙏very much for a wonderful video you have made pertaining to filling of Form 15 G.Thank you for wonderful effort. I am going to claim my PF settlement and hope this video will help me a lot. I appreciate your way of presentation which a layman can understand well.
Thank you...
Sir, i really thanking you for the video covering all aspects of filling the form So much informative....touching and clarifying all points where mistakes/omissions can happen. Very superb,...you are so fast in communication but anyone can understand.
Who is Best?
Tax Guru Ji - Comment
The CA Wale - Like
Must Suggest
Ruchika no channel is best. Every channel is unique and has its own quality
Tax guru ji
Thank You Sir Apki Video Dekh Form 15g bhara aur ek baar mai Claim Settle ho gya aur next Day credit bhi ho.gya amount
Thank you Sir Again🙏🙏
Sir, Given inform is very usefull and in very correct manner.
Thanks
Sir, Given inform is very usefull and in very correct manner.
Muje bhi sikhawo plz
Apna no send karo
The video was really awesome
Just have one query like if my total service period is less than 5 years and Total PF withdrawal amount is more than 50000 and I belong to 5% Income tax slab then what should I mention in form 15 G
Please reply
Hi.Thank you for the video it's very useful. Have a question. In 17 column we need to include of amount with other income. (The other income includes salary for that financial year or any income other than salary.
mera bhi yaho questions hai
Kitha na saral se samjadhiya Aap ne.
THANKS A LOT OF SIR ❤👌👌👌👌👌👌🙏🙏🙏🙏🙏
Hello Tax Guruji... There is a correction on Item 17. The total income for the year need to be mentioned where the tax liability is Zero. As per IT act upto Rs 5lakhs for salaried employees is exempt of tax. So if my net income after all deduction plus pf withdrawal is less than 5 lakhs, that figure needs to be written. For example pf withdrawal is 150,000 and net income for the year is 300,000. Then item 17 should be 450,000.
Hi I have a doubt for column 17, should i include my salary i got from april 2023 to aug 2023 (excluding the deductions of pf etc), my last working month was august
@@rajeshrama2448 same here i have the same doubt as well. I left my job on may 2023. Do i have to include all the salary amount from month of jan to month of may?
Dear Tax Guru ji,
My total PF amount is less than 50k (actually amount+pension).do I need to fill and upload the 15G form to avoid any deductions?
In 16 column are you sure that we have to mention only PF amount , without adding pension amount,
Yes for pension withdrawal no 15G is required
Yes, Sir now I will apply for form 15g. Following your said advice. Thank you so much, Sir.
You are welcome
Sir, thank you so much for this important informative video regarding form 15g. It will help a lot for a poor employee like me. I have no doubt regarding possible tax deduction if pf amount is above 50k and having employment period of less than 5 years collectively. However, I got one confusion. As per the form sample you used here, it indicated form filing date as 7/18/2019. I supposed you used the date format in mm/dd/yyyy? Plz clarify. Also, incase, if the filing date is sometime in 2019, won't the previous year ending and relevant to the assessment year be 31st march 2019 and 31st march 2020 respectively in declaration/verification section?
Sir, I have added pf ammount + pension ammout in the form 15G.
Will it be rejected ...?
Respected sir,
Should I fill the form 15G while my amount is more than 50 thousands and my working years is more than 5 year?
Please reply sir
Thank you so much for your help.
🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
Same problem say sir
@@dkalyan9868 no need to fill 15G if your amt is More than 50k and working year is more than 5 year
My problem solved brother.
@@dkalyan9868 and if you are not feeling safe from tds you can fill 15G, on filling form 15G no tds will apply.
Lot of people fill 15G it doesn't matter how much amt you have and for how long did you worked.
@@VikashSharma tq for U r reply bro very tqfull actually my mother 20years service and 97222/-rupees should I fill or not u said clearly I understood say
And wht u done bro with same problem have u withdraw or not
Thanks alot for the wonderful step by step information got my pf in 13 days irrespective of multiple holidays✌
Sir its very good, informative vdo...
I hv a query
1)I had work 14years,
2)pf amount is 2.00lac nd pantiond amount is 73k(more than 50k.)
What to do for 15g have to fill or not sir???
Thanks a lot Himanshu. You need not to fill form 15G as your total service is more than 14 years hence TDS will not be applicable while PF withdrawal as per PF rules.
@@TaxGuruJi thank u for the information.
You are welcome
@@TaxGuruJi but without 15g claim is not processed its getting rejected , i have done 3 times
@@TaxGuruJi sir ji my 1st company is more than 8 years and last company is 8 months total 9.2 years in same UAN no.
But their is break within. Do I need to submit form 15G
if PF+Pension is more than 50k and duration is less than 5 years to kya Form 15G fill krna hai ?
Nhi bhai
My PF+ Pension is below 50k n i have worked for a year only wt did u do?
First of all, thank you for such an informative and detailed video. Your videos are always self-explanatory and easy to follow.
I have a query, regarding whether my tax would be deducted :
I have a total income of 4 lakh and 10 thousand for the assessment year 2020-2021 which include the Provident fund amount as well. My question is will the tax be deducted after claiming the PF amount even after filling the form 15g.
My service is less than 5 years and the PF amount is 1 lakh and 4 thousand.
Awaiting your response @Tax Guru Ji
Much thanks
Dear, on filling form 15G and link latest update of your PAN, no tds will deduce
@@VikashSharma my service is more than 5 years in the same company and my pf amount is 96000 will my tds be deducted even after putting form 15G
@@shikharouniyar1815 NO, you are safe
@@shikharouniyar1815 ⚠️ but your pan card must be updated on epfo site
@@VikashSharma Thank you for a detailed video. I have a query, my total service is 9 yrs and my PF amount is 4,30,000 will my tds be deducted after putting 15G
धन्यवाद श्री मान जी, बहुत ही अच्छी तरह से आपने समझाया है।
Hello Sir
Thank you so much for such a nice video. I have three questions to clear my doubts.
1- Suppose we have 80,000 in our PF balance and as per govt latest guidelines we can withdraw up to 75% of our PF amount. So, what amount should we write in Column 16?
80,000 or 75% of 80,000
2- Do we need to write CTC+ PF amount in Column 17,
or just basic + PF
or In hand salary+ PF?
Suppose if someone's CTC is 3.8 lakh and in hand 2.9 lakh. So, what amount should be mentioned in Column 17?
3- What amount should be written in the last box of column 19?
If you have made any latest video to withdraw PF based on Covid 19 lockdown scenario. Help me with the link.
Thanks and regards
Mohammad Areeb
Please help me in this.
You can put 80000 but they will provide as per your eligibility and other details you can put on an estimate basis don't try to be that much precise.
@@TaxGuruJi Thanks for your response Sir.👍👍👍
@@TaxGuruJi Hi I left my job on may 2023. This month would be more than 3 months of being unemployed. Am i eligible for 100% Withdrawal? Do i also have to mention the salary i have received so far from jan 2023 to may 2023 in field 17?
Hi sir
I want to ask a question if I left my job in oct 2019 and now in April 2020 so previous year me main 2019-20 likhu ya 2020-2021
Yes ending year march tak ka hota hai uske bad next financial year on ho jata hai
Apko ending year 2020 or 2021 dalna hoga or niche ek declaration section hai usme ap ending year me 31 march 2021 or assessment year 31 st march 2022 dalna hoga I hope this information will help you
Thank u sapna but u r lit bit late in replying I already got my money 3 months back
@@zackpandey9053 Hi Akash. I want to know that you left job in Oct 19 and you filled form in April 2020, then what did you write in coloum 17(Estimated income) as new financial year began in March 20. Thank you
@@sapnavlog142 I am applying bon feb 2021. kindly guide what will be my Year endeing year and year ending date and Assesment year. Kindly reply soon.
I left my last company in sept 2019 and unemployed since then however my overall experience is 12.6 years. I would like to withdraw my entire amount for which will refer your other video.
So i am not supposed to fill any 15G form ....just want to be double sure.
Yes Deven ji as per PF rules you are not required to submit form 15G while claiming PF withdrawal
@@TaxGuruJi but if one works continuosly for more than 5 years in same company, then he can still submit the 15G form and futher deductions will not happen. Correct me if I'm wrong and please do reply :-)
Sir I completed 10 yrs job .when I am withdrawing pf online than there is form15 upload section. I have to upload or not.pls clarify. And my pf contribution is 8.5 yrs can I withdraw pension amounts
Thanks Sir,Uploading such knowledgeable
videos. I claim my EPF withdrawal via watching your guidance. I received without cutting any TDS amount. Thanks for saving my thousands rupess. its really very helpfull videos.
Hello kya amount 50000 k niche h to form 15g fill karna h ya nhi.
@@dhirajmaurya4840 nahi
Nice video : I have a question .. I have resigned in September 2019 and My total PF is 53000 and my salary was 5lac p.a, will there be any deduction if I upload 15 G as well ?
Yamin if your total service is less than 5 years as per EPFO then TDS will be applicable as PF is more than Rs. 50000. The same is clearly explained in the video itself.
If you upload 15g form then tax will not deduct , Am I right sir ?
@@kirtisharma8759
Kirti ji, his salary was 5L P.A. and clearly explained in the video itself that this is a declaration that your annual income is below taxable limit i.e. Rs. 2.50 lakh. He is not eligible for form 15G as per his income.
Dear Sir,
I have resigned from job in July 2019 and my total job period was of 4 years. My epf amount is more than 1.5 LACS. In my case column 17 of form 15G is around 1.5 Lacs. Is it necessary to fill form 15G in my case?
TILL july 2019 uptil now i didnt do any job or income in my case. how to save my tds ?
Yes
Dear sir, when I had applied for the pf withdrawal my passbook amount was showing less than 50k so I didn't filed the form 15, however after a few days of applying for withdrawal my passbook got updated the total amount went above 50k. Yesterday I received the message from pf department which says that my TDS has been deducted from the amount and rest amount will be credited to the bank account.
Now sir is there any procedure through which I can get back my deducted amount?
Vinod ji you can take help of this video for refund of TDS deducted on PF withdrawal ruclips.net/video/bbZXEBtPB18/видео.html&lc=UgwBEQqheeQR4eYCDsh4AaABAg
Thanks for this video. My pf got settled in 6 days.
Hi I have completed 10 continuous years of service and the amount is more than 50k do I need to fill 15g for Pf withdrawl
No alfred if service is more than 5 years there is no need to fill form 15G. Your TDS will not be deducted at the time of PF withdrawal.
Hi alfred did u processed your PF successfull, please advise.
@@TaxGuruJi And then also we fill the form 15G then it will ok or no need to upload it only
Very Useful Video while someone wants to Withdraw amount from EPFO account , i just followed the instructions which was given in the above Video And My Claim got settled with in 10 Days From The Applied day With out any Deduction.
Thank you ☺️...
Thanking you Sir Aap Bhut acche Se Explain Karke Bttate ho 😇
thank you. after watching your vedio i undrestood clearly how to claim .now i can apply with no doubts. steps, eligibility, required scanned copy of, process, i think all well explained. i hope i get claim amount soon. your contribution great help to others.
Thank you for the video. My claim settled in 10 working days without any tds deduction.
Thank you sir. Your video helped me to remove my pf amount and it received within 4 days.
Thank you so much for such a detailed step by step demonstration. I filled my claim successfully because of this.
Dear Sir,
Your explanation was succinct and with the help of your video I have submitted my claim form successfully.
Thanks for making this to the point.
Thanks alot dear.
I received my all pf and pension amount.
Lots of love ❤️❤️❤️
Thank you very much sir for clearly explaining how to fill this form. All other videos of yours's are very very helpful.
Thank you very much for the video, which helped to apply for withdrawal of PF.
You are most welcome
Please follow the steps as it was really helpful in my pf withdrawal.. thanks a ton👍
Thanks sir you did a great job for me lots of love may your channel grow as far to help others like that..
Thanks Sir For Form 15G ❤️👍
Always welcome
Dear, very good , after long time found a useful video on you tube.... kudos to you and best of luck.
Very very Informative video💯and the video which don't have dislikes.. Respect 🎉🎉
Thank you so much
Thankyou so much, your one video has answered all questions, GBU 🌹
I appreciate your efforts sir, you made video very helpful and to the point. I was able to apply my EPF by referring to your Video. Thanks Sir.
Thanks bro u made easy to understand and also you have proper knowledge
Thank you for your valuable video 👍
Thanks for your clear and informative video
Incredible video
Very helpful video.
All details covered.
First of all thank you very much for guidelines about 15GForm
Your just awesome👏👏 tax guru ji
thanks
Thank You So Much for good explanation....
Thanks a lot 🙏
Thank you for the valuable information it is really helpful 👍
Thank You Sir, Really Important video for All
Thank you so much sir for your video. Explanation is superb 👌 👏 👍 🙏🙏🙏
Thank u soo much .Very useful video. I got my amount without any deduction .
Crystal clear explanation
Thank u sir.
Information has given deeply
First time viewer. What a valuable information you are providing 👍
Thank you sir .... It was really helpful indeed..much appreciated and Good luck 👍👍
Very Very informative video sir.Thank You
Excellent way to explain thank u
Thank you so much for this video..it has helped me a lot and finally I received my amount..but I hv not received full pension amount
Truly helpful & exactly correct guide
Very clearly explained. Thank u
Very much useful
Thank u sir
Thanq Soo much Sir.
The said process helped me 🙏
Love you guru ji ❤
Thanks sir for detailed information
Very useful information.. thanks a lot sir 🙏
EXCELLENT PRESENTATION
Sir very nice video and information ❤❤❤❤
Thank you so much for your efforts sir...
very helpful and good knowledge.
Very nice video with neat and clear explanation. U have included every stuck points for the process and provided solution with detailed path. Great work
Thanks Bhai for information
Welcome
thanks for this video, its really helpful to all
Excellent video,very useful for us.. thanks keep it up 👍
great information thanks
Glad it was helpful!
Thank you very much ❤️👍 Really very helpful ❤️
Very well explained. Only one suggestion - we can write assessment year in declaration part as 2020-21.
Very helpful. Thank you!
Very helpful Sir
U r genius mate
THANK YOU FOR WONDERFULL INFORMATION
Thsnk you sir..it helped a lot
Thanks for support
thank you so much for one more helpful video!!
Thanks sir g helpful vedio thi
Thank you for this video!
Good information thanks 👍
thank you so much sir. it was very helpful..Thanks a lot!
Most valuable vdo
Very informative