Thank you for your interest in Car Loan from ORIENTAL BANK OF COMMERCE. Unfortunately, we do not have a tie-up with ORIENTAL BANK OF COMMERCE currently.
Talk to our experts to apply for a similar offer from our partner banks instead
Thank you for your interest in Car Loan from ORIENTAL BANK OF COMMERCE. Unfortunately, we do not have a tie-up with ORIENTAL BANK OF COMMERCE currently.
Talk to our experts to apply for a similar offer from our partner banks instead
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Earn more than minimum income
Loan capped @
85% Ex-Showroom price
EMIs of other loans lower
Pay off your credit card bills
Choose longer tenure loan up to 7 years
|Interest Rate (Monthly reducing balance)||9.00% - 23.00%|
|Processing Fees||Varies with bank|
|Loan Tenure||1 year to 7 years|
|Pre-closure Charges||Varies with bank|
|Guarantor Requirement||Varies with bank|
Car loans are the simple means to a glorious life milestone- owning your dream car. Almost all of us want to own that shiny set of wheels and drive it triumphantly, into the sunset. However, owning a car (vehicle in general) in India is a costly proposition, one that usually demands the impetus of a sizable financial assistance from banks/ financial institutions that have dedicated loan products in this regard. Almost all private/public sector lenders in India offer car loan options with terms and conditions that are highly customer friendly, affordable and scalable. By qualifying against a very simple list of identity, income and credit history qualifications, you can be the proud owner of your own brand new car.
Choosing a car loan in India has two distinct reasons and advantages. Firstly, cars are expensive. This is a costly investment that is usually not completely affordable in the case of a typical middle class Indian. While his/her savings may account for a sizable portion of the purchase amount of the vehicle, a significant portion of the aforementioned purchase must be covered by the amount as provided by the car loan. Secondly, massive purchases (such as buying a car) with liquid cash could get you on the IT department’s radar, plus, you lose the chance to build up crucial credit history by subscribing to a car loan and religiously adhering to the repayment cycle. The credit history thus built, will help you procure more loans in the future. Hence, car loan in India are the surest and safest way to purchase your ideal vehicle.
When it comes to car loans in India, in general, the following features and benefits are freely offered. Note that, the following is a generalized look at the advantages offered by car loans in general. Individually, car loan lenders may have highly customized and specialized offerings for their customer base.
BankBazaar.com is an online aggregator of car loan products as offered by banks and other financial institutions across India. Perceptively, checking out and applying for a car loan on this customer friendly website offers the following unbeatable advantages-
Browse through and get all the information about the most popular car loans available in India. Having so many options before you allows for informed decision making, based on the analysis of the various features, pros and cons offered by the car loans.
Breeze through all the car loan options before you and select the one that best satisfies your requirements and respects your limitations. Traditionally, this step would entail a lot of running around and enquiries, however, BankBazaar.com turns this into an intensely informative, interactive and private affair that could be completed from the comforts of your home or office.
A simple and interactive wizard helps to ascertain your qualification for the car loan and throws up the best options in line with your requirements. This saves time and cuts out the middlemen.
Applying for a car loan on BankBazaar.com is as simple as simple can be. After selecting your car loan and furnishing some essential details on the website, the process is taken over by the bank offering the car loan. Save on all the leg-work, get your car loan with a few clicks on the computer mouse.
Have a query or concern with regards to the car loan in question? The expert customer support team from BankBazaar.com is always at hand to sort all your issues. Procuring that ideal car loan was never more simpler.
Making use of the various offerings from BankBazaar.com, including friendly tools like ‘Car Loan EMI Calculator’ is completely free of charge. Convenience meets simplicity, at 0% monetary investment.
Applying for a car loan on BankBazaar.com involves the following steps,
In terms of popularity, the following banks offer the most sought after car loan products in India,
HDFC Bank Car Loan- Funding 100% of the intended car’s on-road price and offering a repayment tenure of upto 7 years, HDFC bank has always been a solid option when it comes to car loans in India. The terms offered by this loan product is very flexible, and the cake gets even more sweeter for existing HDFC bank customers who get the option of pre-approved car loans. Whilst the bank offers a very competitive interest rate on its car loan product, the prospect of EMIs amounting to just Rs.1671/lakh makes the deal that much more lucrative. No wonder car loans from HDFC bank have always remained an enduring favorite amongst the Indian public.
Aside from the features listed above, HDFC Car Loan offers quick and hassle free loan processing, fixed interest rates that aren’t affected by market fluctuations, the option for car loans without the necessity for income proof and associated documents, car loans amounting to 6x of your annual income, and other such customer friendly features that are backed by a robust customer support initiative. Indeed, car loans from HDFC bank are feature rich, affordable, immensely popular and worth your undivided attention.
ICICI Bank Car Loan- When it comes to a complete, feature-rich car loan option in India, few can match upto the versatility and simplicity as afforded by the ICICI Bank Car Loan. Offering funding to match 100% of the ex-showroom price of the vehicle, the car loan experience at ICICI is driven by powerful 24x7 customer support and ICICI’s brand of customer relationship management. The other pleasing features include loan tenure of upto 7 years, pre-approved car loans for existing ICICI customers, minimal documentation, hassle free application process and a simple option to apply for the car loan online. ICICI bank has configured its car loan product to be as customer friendly and approachable as possible.
When it comes to a typical Indian customer, the applicable interest rate and the other associated charges holds great prominence with regards to the prospective car loan. In both these cases, the car loan from ICICI bank rules the roost. Alongside these factors, the consistent goodwill enjoyed by the ICICI bank and the positive feedback that it consistently receives with regards to its loan products must prove ample reasons to invest your interest in ICICI bank car loans, when you are out looking for one.
SBI Car Loan- As India’s premier public sector bank, the State Bank of India (SBI) enjoys a level of popularity and support from the general public that few other public/private sector Indian banks can match upto. In this light, the SBI Car Loan is an intensely customer centric loan product. Offering very competitive interest rates, comfortable repayment tenure of upto 7 years, loan amounts that match upto 85% of the proposed vehicle’s on-road price and 0% pre-payment or foreclosure charges, the SBI car loan has its legion of loyal and enduring fans. Unique features such as the overdraft facility and the provision of optional SBI life insurance cover has contributed to SBI car loans’ lasting popularity.
For a typical, first time car loan subscriber, the numero uno priority is in relation to the confidence, comfort and simplicity that his/her choice of car loan provider can elicit. In this regard, the public sector behemoth named SBI has little competition in India. Known for its people centric approach, the car loan product from SBI is highly sought after and will continue to remain a premier choice in the years to come.
Axis Bank Car Loan- A premier private sector bank, the car loan product from Axis Bank is commended for its simple application procedures, customer friendly terms and conditions, robust customer support initiatives and adherence to the modern ways of personal banking. The bank offers upto 85% of the proposed vehicle’s on-road price, and in the case of some select car models, this number can hit 95%. Other friendly features include an attractive interest rate, comfortable repayment tenure ranging from 1-7 years, provision of loan to a wide demographic of individuals including salaried, self-employed, partnership firms, corporates, limited liability partnerships, etc. The true strength of the Axis Bank Car Loan is the wide popularity it enjoys amongst its target audience.
Simplified eligibility criteria, minimal documentation and the ease of online application are some of the features that work strongly in favor of the Axis bank car loan. The bank has in store, car loan offerings that match upto the most discerning tastes and complies with the most budget conscious requirements. Configured to emerge as the most ideal car loan product available in the Indian market today, the Axis bank car loan will surely engage 100% of your undivided attention.
|Bank.||Loan Amount.||Tenure.||Interest Rate.||Features.|
|HDFC Bank||100% (ex-showroom price)||Upto 7 years||10.50%-12.50% (depending on individual factors)|
|ICICI Bank||100% (ex-showroom price)||Upto 7 years||10.75%-12.75% (depends on the loan tenure)|
|SBI||85% (On-road price, when net annual income is upto or above Rs.10 lakhs)||Upto 7 years||10.30% (may range upto 11.10% for differing conditions)|
|Axis Bank||85% (ex-showroom price) 95% (on select models)||Upto 7 years||11.50%-12.50% (depending on individual factors)|
|Magma Fincorp||100% (ex-showroom price)||Upto 5 years||12%-16% (depending on individual factors)|| |
When it comes to selecting the car loan that works best for you, some fundamentals will come in handy. The following list explains the do’s and don’ts when choosing the right car loan,
Check out the maximum number of options available to you. Not all car loans are created equally- and finding the best loan could involve some work. BankBazaar.com can help you here by helping you check out and compare between the various car loan and used car loan options available to you.
The applicable interest rate is potentially the biggest factor when it comes to choosing the right car loan. Not surprisingly, the lower the interest rate, the better. This condition holds true even when a lower interest rate would mean that some of the expected features aren’t available in the loan.
Pay heed to your financial limitations and choose a car model that perfectly suits your budget. This will imply that your car loan is in line with your set requirements. Don’t fall prey to up-selling tricks at the car showroom.
Sometimes, what appears as obvious will have a hidden component. Be completely aware of the hidden fees and charges concerning the car loan, as also be cautious of time bound incentives and packages- they will expire soon and you may be left with a lesser deal than you hoped for.
When applying for a car loan in India, across any of the possible lenders, the following documents must be submitted for verification. Note that, in their individual capacity, the lender may request you for more proofs and documents.
In order to be eligible for a car loan in India, the applicant must qualify against a certain set of expectations. Generally, car loan eligibility is dependent upon the following factors-
Kindly note that all the numbers and variables here may differ from bank to bank. In their individual capacity, banks may have additional qualification procedures.
The interest rates applicable to car loans in India will differ from bank to bank. These lenders depend on their unique criteria and base lending rates to decide upon the applicable car loan interest rates. However, in India, car loan interest rates ranging between 9%-15% are generally expected and considered competitive. Kindly refer to individual banks’ car loan pages on BankBazaar.com for more information in this regard.
When we speak of a Car Loan EMI Calculator, we are referencing to an online tool that assists in the electronic computation of the Equated Monthly Installments (EMI) as applicable to your car loan. On BankBazaar.com, the interactive, time saving and informative Car Loan EMI Calculator will simplify this otherwise tedious and uninspiring task. This calculator exhibits the following characteristics,
|Submit Income Proof||Bank Statement (last 6 months)|
Pay-Slips (last 3 months)
IT- Returns (last 2 years)
|Lender wants to establish your ability to repay the borrowed amount.|
|Submit Proof of Address and Identity||PAN Card, Voter’s ID, Aadhaar Card, Passport, etc.||Lender wants to establish your nationality, identity and permanent address.|
|Credit History||PAN Card||Lender wants to check your past credit records and establish if you can be trusted to make regular repayments.|
|Information About Vehicle||Sales Receipts from the Showroom from wherein the Vehicle was Purchased.||Lender must confirm that the deal was affected as intended.|
|Proof of Insurance and Driving License||Copies of the Vehicle’s Motor Insurance and your Driving License.||Lender must establish that all laws and protocols are followed with regards to the purchased vehicle.|
With the automobile industry expanding at a rapid pace and with more and more car manufacturers establishing their bases in India, buying a car has become a hassle-free procedure. Car prices in India vary depending on the segment of the car purchased and also with the additional features provided by the manufacturer. BankBazaar offers a comprehensive list on car prices across various models of cars sold in India. Be it a hatchback, sedan, luxury sedan, SUV or MUV, we equip you with the necessary pricing information to help you decide on the right car suited for your needs and current financial situation.
Finance Maha Bonanza in March 2017 - Avail a Car Loan from BankBazaar.com and get an Amazon gift voucher worth Rs.2,500
This March is the best time to get a car, because BankBazaar has lined up an exclusive Maha March Sale on Car Loans that is sure to make you smile from ear to ear! Choose a Car Loan from any of the participating banks today and stand to win big.
How to participate in the deal
How to use the gift voucher at the Amazon website
Important points to note
This factor differs from bank to bank. While some banks offer the complete 100% of the vehicle’s ex-showroom price, banks such as SBI offer upto 85% of the vehicle’s ‘on-road’ price. Generally however, the minimum loan amount will be equal to Rs.1,00,000.Can I pre-pay the entire loan amount? What are the conditions involved?
Yes, you can prepay the entire car loan and save on vital interest payments in the future. However, most banks will allow the pre-payment option after you have chalked off 6 months on your loan tenure. Plus, you will be expected to pay a small fee as pre-payment penalty that will be dependent on the leftover loan amount.What car models are financed by the standard car loan in India?
Unless otherwise specified, almost all small to medium sized cars, Sports Utility Vehicles (SUV) and Multi Utility Vehicles (MUV) come under the purview of car loans available in India. However, as mentioned, refer to the loan brochure for exceptions to this rule.When applying for the car loan, do I need a guarantor/ security?
Almost all car loan products available in India are secured loans, with the procured vehicle itself acting as the customary security. Most lenders in India will not insist upon any guarantors, however, if your annual income does not match upto the expected requirement, then you may be expected to sign-up a co-applicant and/or guarantor.What are the commonly available car loan repayment tenures?
Repayment tenures usually range from 12 months to 84 months (1-7 years).
The Diwali Dhamaka Flash sale is back again! Apply for a car loan through BankBazaar.com and upon approval of the car loan, you not only get to own your dream car but you can also purchase any item of your choice with a complimentary Amazon Gift Voucher worth Rs. 5,000. This promotional offer is valid for all car loan applications made from October 18th, 2015 to November 14th, 2015.
Once the car loan application has been successfully sanctioned by the concerned bank, customers will receive the Amazon gift voucher in the e-mail address specified in the loan application form. The car loan approval has to be made by the bank by January 15th 2016, at the latest, otherwise the applicant will not be eligible for availing the promotional offer. This offer is valid on car loan products offered by specific banks only. In order to identify the same, a banner has been placed against relevant products, which displays the Flash Sale/ Amazon Gift Card Badge.
Individuals who are 18 years old or above, are eligible to apply for a car loan through BankBazaar.com and avail this offer. The validity of the promotion is restricted to only one voucher per product for an applicant.
Thinking of buying that new car you saw in the showroom? Want to upgrade your car to a bigger one for the convenience of your extended family? Looking out for a Car Loan? Whatever your need may be, you can easily avail a car loan through BankBazaar.com.
Now, finance your dream of buying a car with an additional bonus! BankBazaar.com has been offering various offers and promotions on various financial products time and time again and this time we are offering you an exciting promotional offer on car loans. This limited period car loan sale will be available on car loan applications made through the site, wherein you can get an goCash from Goibibo worth Rs.5000 for approval of your car loan by the respective bank.
In order to be eligible for this offer, the following conditions must be met:
The goCash from Goibibo offer is valid for car loans from select banking partners only and these Banks will have the Goibibo Card banner.
Terms and Conditions
Once a customer is eligible and meets all the terms and conditions stipulated, the goCash from Goibibo that he/she is qualified for is sent to the customer's e-mail address that is specified in the loan application form, upon the concerned bank's approval of the Car Loan application.
Dussehra is celebrated with enthusiasm all over the country. It’s considered an auspicious time to start new ventures. Dealers and sellers put up their best offers and schemes during this season making Dussehra the best time to drive home in your own car! If you have your heart set on buying a car, the lack of finance is almost never an issue. With BankBazaar, you can find the best finance scheme to buy your car. With a few details from you, the BankBazaar portal will compile a list of eligible loans for you to browse, explore, compare and make an informed choice. Check your eligibility will be mainly based on your employment, work experience, age and income. You will also be entitled to vouchers and offers when you apply on BankBazaar. A car loan that suits your budget and convenience is just a few clicks away.
Make this Diwali a joyous one with a new car for yourself or your loved ones. The want of finance can be solved with a suitable car loan that fits well into your budget. On BankBazaar, you can access all car loans that you may be eligible for depending on your age, income, work experience and credit score. View the details of the loans you may be interested in. You can compare different offers to see which loan would be better for you. BankBazaar also has special Diwali offers on car loans from partner banks. Explore the range of car loans available on the BankBazaar portal to find the best deal for you to drive home in your own car this season.
Did you know? Most Car Loans in India are secured loans (the car serves as the security/collateral). Also, the maximum loan amount depends on the vehicle you wish to purchase, but most banks offer up to 100% of the vehicle’s on-road price. So, are you eligible? You are eligible if you’re over 21 years and less than 60 years at loan maturity and have a secure job with a regular income (at least Rs. 2,40,000 per annum). If you are co-applying for it with your spouse, then their salary is also taken into consideration. A little insight into interest rate and fees: Interest rates - 9.85% to 13.65%, processing fees - Rs. 500 to Rs. 5,000 and Pre-Closure Charges - 2% to 4% of the outstanding loan amount. Keep these documents handy: Photo ID and age proof, Signed application form with photograph, Residence proof and Bank statement for the last 6 months. Salaried applicants need last 3 months salary slips and Form 16/Income Tax Returns. Self-employed applicants need Last 3 years Income Tax Returns with computation of income and last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account. Got it? You are now buckled up to choose the right Car Loan for you. Go ahead!
Stay up to date! Daily finance news at your fingertips. Explore Car Loans on Mobile App
22nd August 2016
Tata Motors and Volkswagen Group signed an agreement to jointly develop products which would be beneficial to both companies. While Volkswagen would significantly reduce costs of developing products, Tata Motors would gain access to better technology. A Memorandum of Understanding (MoU) was signed between Tata, Volkswagen and Skoda. Together, these three companies will develop products. On behalf of the Volkswagen group, Skoda has stepped in to handle concept development of economy vehicles. Guiding principles and cooperation terms will be drawn up in the coming months. Once the paperwork is completed, the partnership will commence.
27th March 2017
The Renault Kwid Climber that was showcased at the 2016 Auto Expo has been launched in India. It is available with a 1.0 litre engine with both AMT and 5-speed manual transmission options.
The ex-showroom cost of the car in Delhi starts from Rs.4.3 lakh, for the manual transmission model. The AMT variant will be available for an ex-showroom price of Rs.4.6 lakh. Bookings for the Kwid Climber have commenced throughout all dealerships in the country.
The new version of the Kwid Climber is equipped with 17 new design elements when compared to the standard Kwid. The vehicle is available in three shades, i.e., Electric Blue with orange accents, Planet Grey, and Outback Bronze shades.
There is now a new cladding around the fog lamps and on the front and rear doors. The new model also has 13-inch alloy wheels.
The interiors have been upgraded as well. The black and orange upholstery and climber badges on the headrests in the front lend a more youthful look to the cabin.
The engine of the vehicle has not been modified, and it is still a 1.0 litre petrol unit that generates 68 PS of peak power and up to 91 Nm of torque. It is coupled with a 5-speed manual or AMT transmission unit.
The new model is Rs.25,000 more than the outgoing standard Kwid.
20th March 2017
Audi launched an updated version of the Q3 compact SUV. Audi plans to launch 10 new cars in 2017 alone. The new Audi Q3 will be available under two variants: 2.0 TDI FWD and 2.0 TDI Quattro. The FWD is priced at Rs.34.20 lakhs while the latter is priced at Rs.37.20 lakhs (Delhi ex showroom). Both variants will be powered by the same engine which is a 2.0L turbocharged four-cylinder motor. The cars will be fitted with a 7-speed dual-clutch gear system. The car can touch 150 PS of power and 380 Nm torque. The car can reach 0-100 kmph in 9.3 seconds. It’s fuel efficiency - ARAI certified - tops out at 18.51 kmpl. Audi also recently launched the new A4 diesel and the A3 Convertible facelift.
14th March 2017
If you are considering the purchase of a new car in the month of February, then you should make use of the various discounts offered by car manufacturers this month. In addition to these discounts, you can receive other benefits at the dealership level as well. The promotions that you can take advantage of are as follows:
Bagga Link Motors, Maruti Suzuki’s dealership in Delhi, is offering a discount on the models Alto, Celerio, Alto K10, Dzire, Ciaz, WagonR, Omni, Eeco, Swift, Ertiga, and Ritz Diesel. The discount on Alto is Rs.20,000 while that on Alto K10 (Petrol/CNG) is Rs.17,000. K10 Automatic is being offered with a discount of Rs.27,000. Celerio petrol and CNG models get discounts of Rs.15,000. Although Celerio Diesel is discontinued, you can purchase a dealer stock vehicle at a discount of Rs.50,000.
Hyundai Motor India has declared that models like the Grand i10, Eon, i20 Elite, Xcent, Verna, i20 Active, and Santa FE are available at reduced prices. Samara Hyundai dealership in Delhi is offering Eon with free insurance, an exchange bonus of Rs.10,000, and a cash rebate of Rs.5,000. The new Grand i10 launched this year is available at a cash discount of Rs.5,000 and an exchange bonus of Rs.20,000.
Tata Motors is offering discounts on Nano and Bolt. However, no discounts are offered on Tiago and Hexa.
22nd February 2017
German auto company, Audi, is eyeing the top spot in the Indian luxury vehicles market, which is currently taken by Mercedes-Benz. In this regard, the company has announced that it will be launching 10 products this year, including some new models as well.
In 2015, Audi had lost the number one slot to Mercedes-Benz. The car manufacturer has not revealed the details of its 2016 sales in India. Mercedes-Benz had sold 13,231 units in 2016, whereas, another top player, BMW had sold 7,861 units.
Rahil Ansari, Audi India Head, stated that they will be launching cars that will provide a “Halo effect” that would turn customers into fans. This is an indication of the company’s strategy to introduce performance-oriented cars in India. Ansari also mentioned that Audi will focus on new products and customer-targeted programmes to retain customer loyalty, while trying to convert potential buyers.
22nd February 2017
With the Renault Kwid’s success in the crossover segment, carmakers in the country are coming up with new small car designs that resemble SUVs. The Kwid has covered majority of the entry-level car market with its sales reaching an average of 8,812 units being sold per month in 2016.
Maruti Suzuki, which has always been a leader in the entry-level segment recorded a decline in Alto sales, after the launch of the Kwid. Sales for the Alto dropped from 20,658 units in September, 2015 to 17,531 units in December, 2016. Maruti has been trying hard to come up with a competitive model to rival the Kwid. The new car is likely to arrive by 2018. It is expected to be an all-new design and not a replacement for the Alto. Although there is not much information on the features, it may have the usual Maruti engines, SUV styling, and a higher ground clearance. The Kwid-rival Maruti Suzuki model is expected to be unveiled at the Auto Expo 2018. Those planning to own a crossover Maruti anytime soon can start looking at car loan options online.
16th February 2017
The auto loan rates have come down along with the falling home loan rates, post demonetisation. The demonetisation drive resulted in pumping back more than Rs.15 lakh into the banking system, banks have started cutting down MCLR rates, thereby easing floating auto loan rates as well. At present, the interest rates for auto loans range between 8.75% to 13% p.a. This drop will make it possible for potential car buyers to buy sedan models such as the Honda City or the Maruti Ciaz at an interest rate of 9.25%, while hatchback cars such as the Baleno and Hyundai i10 can be bought at an interest rate of 9.50%. Entry level cars such as the Alto can be availed at an interest rate of 10% - 10.25% p.a. The current scenario also allows the possibility of buying luxury segment cars such as the Mercedes-Benz, Audi, or the BMW Jaguar at an interest rate of 8.75% to 9% p.a. Car enthusiasts will now just have to zero in on their dream car and apply for a car loan online.
16th February 2017
Honda has launched its 2017 edition of Honda City in India. Honda City Facelift is priced between Rs.8.50 lakhs and Rs.13.5 lakhs and it’s available in both petrol and diesel variants. On its exterior, the car has been restyled with new bumpers, grille, and LED fog lamps. Also, the new Honda City runs on 16-inch diamond cut alloy wheels. Discontinuing the production of its base variant E, the car is now available in five variants namely S, SV, V, VX, and ZX. Coming over to the interiors, the vehicle is equipped with a 7.0 inch touchscreen infotainment system, LED reading lamps, and a MirrorLink powered smartphone connectivity.
15th February 2017
Despite the Government of India proposing to completely ban diesel cars on the roads - and eco friendly move - Audi has launched their first diesel model - the Audi A4. Priced at a staggering Rs.40.20 lakh (showroom price), Audi is delighted to announce their most powerful A4 model till date. According to their techs, the new model is 7% more fuel-efficient and 7% more powerful. Gunning out 190 hp and 400 Nm of torque through a 2.0-litre TDI turbocharged four-cylinder diesel engine, the Audi is truly a car for enthusiasts who wish to get the best out of their mean machine. Controlled by the 7-speed S-Tronic dual-clutch automatic transmission, the Audi comes with special features such as standard LED ambient lighting and three-zone automatic climate control, 17.5-inch ARM Tornado design alloy wheels, LED headlights, dynamic turn indicators (rear), Audi-branded 180-watt, 10-speaker sound system, and a boosted safety feature with 8 airbags and Audi Parking Aid Plus with rearview camera.
14th February 2017