Never go by the words of the Sales Team. Two guys named Uday and Avinash, no idea they still exist in Provident or not, give false promises just to mark their target. Wherever they are never go by their words. One more to mention from CRM team, so called Nanda Gowda, she is such a harsh lady. She has no respect even for elders. She shouts at people to get the amount, not even bothering about the health issues. Any how she wants the money. You die or go to hell you have to give the money. Once payment is done she shouts at you on asking for possession.