Be it accidental loss or breakdown due to electrical/mechanical issues, a Mobile Charger Insurance Policy from Bajaj Finserv provides you complete financial protection in case of any loss or damage to your mobile charger. Which is the Best Way to Get a Start-up Business Loan? • Toll free number: 1800 209 5858
BFL does not compel any of its customers to mandatorily purchase any third party products.”, Replace lost Keys with Key Safeguard Plan. Bajaj Finserv Personal Loan Interest Rates January 2021. No Hidden Charges: Bajaj Finserv comes with transparency in their loan and also with no hidden charges. All around you you see advertisements for the latest and smartest smartphones available and you might have set your heart on a particular model but do not have ready cash to pay for it. Bajaj Finserv Wallet powered by Mobikwik - India’s first integrated Debit and Credit wallet for Fastest Online Recharges and Bill Payments, No Cost EMI offers on LED, mobiles and other consumer durables, Instant Loans, Payments at online and offline merchants and your own Personal expense Manager exclusively for Bajaj Finserv customers! Ways In Which You can Speedily Increase your Credit Score, Updated List of Personal Loan Interest Rates for 2020. 10, Ground Floor, Next to Telephone Bhavan, Secretariat Road, Saifabad, Hyderabad – 500004, Telangana. Our dedicated and best-in-class customer service will go the extra mile (or two) to support you on every step of your credit journey. 6th Floor,Bajaj Finserv Corporate Office,
We achieve this with a cutting edge combination of data science and technology that ensures that both lenders and borrowers have a transparent common platform to make their decisions. Mobile Charger Insurance does not cover any damage to your mobile charger caused due to the effects of pollution or contamination. What is the difference between SIDBI bank and MUDRA bank? Mobile chargers are portable accessories and therefore quite susceptible to theft, damage, and breakdown. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. • Customer service website
1 site for Credit Analysis and Free Credit Score Online. Door No.3, Block B, No.147, 2nd Floor, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road, Thousand Lights, Chennai - 600006, A 750+ credit score can increase your credit approval chances, Get low interest loans & Lifetime FREE credit cards, Loans for Mobile Phones from Bajaj Finance. If you want to get a ‘mobile loan’, you need to apply for a Consumer Durable Loan which covers the purchase of smartphones. Get FREE Credit Score with monthly updates, Get low EMI Loans and Lifetime Free Credit Cards, Door No.3, Block B, No. 5,000 for just Rs. COMPREHENSIVE MOBILE PROTECTION PLAN & MOBILE SCREEN PROTECTION PLAN Bajaj Finserv brings to you device protection plans that cover you against any financial loss as a result of damage to your smartphone/laptop/tablet or mobile screen. The Bajaj Finserv Experia App is the one-stop solution for all post-loan or investment services provided by Bajaj Finserv, India’s most diversified non-banking financial company. Benchmarked against the best in the industry, the app comes with a clean, simple user interface, a design to deliver excellent user experience, and intuitive navigation. Office: D. No. Related News "Customer" means an Indian citizen who avails a loan from BFL during the Offer Period. This could include photo ID proof, residence proof, income proof among other documents. Here are the SMS keywords:
In case of any breakdown due to mechanical or electrical issues, you can get assistance for repair and replacement costs. CreditMantri shall not be in any manner whatsoever, be held responsible for any reliance on the same. Please note that the coverage is as per the invoice value or up to the maximum sum insured. If you are looking for credit, we will make sure you find it, and ensure that it is the best possible match for you. With MobiKwik on your phone, enjoy over 2,50,000+ shopping options and earn big cashbacks and discounts in the process! CreditMantri ™ is a registered trademark of CreditMantri Finserve Private Limited. Our 15 Million happy customers are our best testimonial. Optiemus Infracom and Wistron jointly made mobile phones for LG, Blackberry, HTC, ... RBI fines Bajaj Finance for use of coercive means of recovery. We will get in touch with you if your idea is selected. Regd. How to increase the credit limit on my card? BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. We make it easy for you to browse through and compare the various financial products on offer on the market; access our free and user-friendly online tools; and finally, enjoy a stress-free application process with quick approvals. 25 lakh and use the proceeds to fulfil various personal needs. 147, 2nd Floor, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road,Thousand Lights, Chennai, Tamil Nadu600006, Have any queries? Coverage is also provided against damage due to riots, strikes, environmental calamities like earthquakes, flood, cyclones, etc. Product name, logo, brands, and other trademarks featured or referred to within Credit Mantri are the property of their respective trademark holders. Please verify your date of Birth to proceed. We ensure that you have a better shot at getting an approval for a loan or credit card you apply since we match the lenderâs criteria to your credit profile. Door No.3, Block B, No. Get access to your account to view Loan details, Insurance Profile, Bajaj Finserv EMI Card details, Digital Gold Locker, Mutual Funds and NPS investment details. This is applicable unless specifically revised and altered by the insurer and mentioned in the Certificate of Insurance. Which Is Better, Personal Loans or A Credit Card Loan? We help you understand your Credit Profile, Credit Information Report (CIR) and know where you stand. How to buy an iPhone on EMI without a credit card? If you incur any repair or replacement expenses due to accidental loss or damage to the charger, you can claim such expenses, provided the charger was in your custody at the time of damage. There are representatives at more than 7000 stores across the country. Apart from that, Rs 10,000 crore is expected from corporate tax, income tax and some miscellaneous receipts. Or maybe you are looking to upgrade your current smartphone but don’t know quite how to get a ‘mobile loan’ to cover the cost? If you already possess an EMI card, you could use it to buy the product. The above mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). We are a one-stop shop for all your credit needs. Avail Offers, Discounts and Coupons. Does pre-closing a personal loan impact credit scores? Get an instant ₹5,00,000 credit in your wallet in less than 5 Minutes. My mobile no [protected]. "Offer Period" shall mean the period commencing from 12:00 am on _11-11-2019 of 2019 to 23:59:59 pm on 21-11-2019. If approved, your EMI card will be delivered to your registered address within 2 weeks. IRDAI Corporate Agency Registration Number CA0101. 2,000 for sum insured more than Rs. Send an SMS
to +91-9227564444 from your registered mobile number to get immediate assistance. If you do not have an EMI card, you could apply online on the website. You could apply for a consumer durable loan from Bajaj Finance and be the happy owner of a smartphone. If you are looking to upgrade your mobile to the latest smartphone, choose one without worrying about the cost. 50,000. If you are at a Bajaj Finserve dealer partner store where you plan to purchase your mobile phone, you can contact the in-store executive to help you with the loan process. Things you must know before agreeing to be a Guarantor for a Loan, Business Loan Interest Rates Comparison 2020, Home loan charges that every home loan applicant should be aware of, The Impact of Requesting Lower Credit Limits, 5 Personal Loans for Credit Scores in Range of 600-700, Fixed Vs Variable Interest Rates for Home Loans. Disclaimer - *Conditions apply. CreditMantri is Indiaâs No. Bajaj Finserv - Mobile Phones : Loans / EMI / Finance options Calculate Down Payment, all finance schemes! Based on the analysis, we help you discover loans and credit cards best suited for your credit profile. Bajaj Electricals Sales App is designed Exclusively for Bajaj Electricals Employee's to manage their day today functions. • Mailing address: Bajaj Allianz General Insurance Co. Ltd. - Bajaj Allianz House, Airport Road, Yerwada Pune- 411006, These documents are required to be submitted at the time of raising the claim:
How to improve Credit with Personal Loans, 5 Banks that Offer Best Deals on NRI Home Loans. Under the Bajaj Finserv loan facility, you will get plenty of benefits such as flexible payment tenors, Instant approval, nil foreclosure charges, etc. 1,000 for sum insured up to Rs. Mobile Charger Insurance covers damage or loss to your mobile charger due to accidental fire, implosion, explosion or lightning. as well as other perils mentioned under the policy. While at the store, you can fill in the application form and submit the required documentation later. Once you submit the application and upload the required documents, you will need to make a payment. Does Taking Too Many Loans Hurt Your Credit Score?
How To Get An Education Loan Without Collateral? Bajaj Finance Limited does not underwrite the risk. How Can I Save The Most Money In 2020? 147, 2nd Floor, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road, There are a variety of products that you can buy with a. Let us understand the need for mobile insurance and how the coverage can come to your rescue in tackling various situations. Bajaj Finserv offers pocket-friendly insurance for your everyday needs. You can get Bajaj Finserv EMI Card mobile phone if you have EMI card from Bajaj Finserv. Using the mobile EMI calculator gives you a simple, quick and accurate way to visualize your potential monthly EMI outgo and plan your monthly finances accordingly. All Rights Reserved. Office: Akurdi, Pune-411035. 5 Tips to Get an Auto Loan with a Poor Credit Score, ICICI Bank EMI Moratorium: Eligibility, Charges, How to avail & more. Also, there is so many bajaj EMI card offers that you can avail when you apply for Bajan Finance EMI Card. How can I apply for a loan to buy a mobile phone? You can type the following keyword and send the SMS to +91 92275 64444. Vi (Vodafone-Idea) has joined hands with Bajaj Finance to offer easy access to smartphones. Dear Bajaj Finance team, I am receiving regular phone calls from bajaj finance service from various executives regarding to take loan/overdraft. • Duly filed claim form
This app allows BEL sales team to view his customers performance, Leap Ahead Status, Daly Activity report, BR7 Report, sales Order Creation and many more Features. Bajaj Finserv Personal Loan can be easily applied for online from the comfort of your home or office and requires minimum documentation. The deductible for the first 5% of each claim amount is subject to a minimum of Rs. IRDAI Corporate Agency Registration Number In case the mobile charger is older than 30 days (as per the original invoice date), you cannot seek the benefits of this cover. Some of the information presented on this website has been collated from publicly available sources. CreditMantri was created to help you take charge of your credit health and help you make better borrowing decisions. Find the bestselling mobile phones on EMI with money-saving offers such as cashback of up to Rs.2000, zero down payment, No Cost EMI schemes, as well as discounts on the final price. CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. If you want to get a ‘mobile loan’, you need to apply for a Consumer Durable Loan which covers the purchase of smartphones. Credit Score and analysis that are provided as part of your credit profile are powered by Equifaxâ¢, Sign-up and get Credit Insights delivered directly to your inbox. Corporate Identity Number (CIN): L65910MH1987PLC042961. Free shipping, Cash on Delivery available. To know the detailed terms and conditions, please click here. These unique benefits of online mobile phone shopping are made available when you opt for mobile on the EMI option with the Bajaj Finserv EMI Card. Congratulations! • Invoice or bill copy
Applying for Mobile Charger Insurance online is easy. 299. This benefit is available only if you were using the charger at the time of breakdown. How to get a loan to cover wedding festivities, 5 Best Credit Cards for Free Airport Lounge Access. Mobile phones or smartphones have become an integral part of our daily lives. Be it accidental loss or breakdown due to electrical/mechanical issues, a Mobile Charger Insurance Policy from Bajaj Finserv provides you complete financial protection in case of any loss or damage to your mobile charger. Click here for more details. Buy Mobiles & Latest Smartphones online at best price in Hyderabad. Any loss or damage to the mobile charger due to any terrorist activity is not covered. The mobile phones are taxed at 18% slab rate of GST. Moreover, with this insurance policy, you can get protection for your handset’s screen for just Rs 499. Viman Nagar, Pune â 411014, IRDAI Corporate Agency Registration Number, Loan Against Property For Chartered Accountants, Hybrid Flexi Personal Loan EMI Calculator, Platinum Choice First-Year-Free SuperCard, Pre-approved category on Smartphones and Laptops, PRE-APPROVED OFFERS ON KITCHEN APPLIANCES, Home, Kitchen appliances & Furniture on EMI, PRE-APPROVED OFFERS ON FITNESS, TRAVEL, FASHION. We are redirecting you to our
Mobile insurance is not compulsory; however, getting one for your mobile or smart phone will surely go a long way in saving you from financial losses related to its theft or damage. Get yourself a swanky new phone packed with the finest features from brands such as Apple, Samsung, Xiaomi, Lenovo, Oppo, Vivo, and more – and pay for it on easy EMIs, only on the Bajaj Finserv EMI Network. What is the amount and tenure on a ‘mobile loan’ from Bajaj Finance? The loan amount and tenure depends on the value of the phone you want to buy. Don't close your browser window. What are the other products covered under a consumer durable loan? So please stop the same immediately, if not than i shall move to consumer court. "BFL" refers to Bajaj Finance Limited. Bajaj Finance Limited Regd. This product provides insurance coverage. There is no charge for foreclosing a loan. • Email: bagichelp@bajajallianz.co.in
6-1-91, Shop No. Buy Mobile Phones on EMI. What happens when I miss or delay my credit card payments? You just need to submit an application form on our website and make an online payment for the premium. We get your Credit Score online and provide a free Credit Health Analysis of your Equifax report. As part of our efforts to make the end consumer services affordable and available at price points which are favourable to the customer, CreditMantri may receive fees / commissions from lenders. The rates ranges from 10.99% - 16.00% per annum. Let us help you take control of your credit goals and unlock the door to your financial freedom. Off Pune-Ahmednagar Road,
Using Bajaj Finserv’s mobile EMI Calculator is probably the easiest way to compare various loan offers and choose the loan best suited to your requirements. These include: LED/LCD TV, Washing machine, Microwave oven, Refrigerators, Air conditioner, Music system, Smart phones, Tablets, Camera/camcorder, Laptop/desktop, Inverter, Generator, Air/water purifier, Dryer, Dishwasher, Cooking range, Get loans starting from 11.25% interest rate. At Bajaj Finserv, you can apply for a personal loan amounting up to Rs. Bajaj Finserv offers one of the lowest personal loan interest rates in India. While most insurance policies only cover your gadget (phone), this unique cover protects the most important accessory without which your mobile phone cannot function. The application for Mobile Charger Insurance needs to be made within 30 days of purchasing the charger. New Delhi: Vodafone Idea and Bajaj Finance, the lending and investment arm of Bajaj Finserv Group, have teamed up to facilitate easy access to smartphones at "affordable" EMIs, alongwith 6 months and 1-year prepaid plans from the telco, according to a statement.Under the pact, the EMI will be calculated on the basis of the total billed amount including the price of the smartphone and the … We treat your data with the utmost confidentiality and will never share or sell it to anyone. It is easy to pay the premium from the comfort of your office or home as multiple payment options such as net banking, mobile wallets, UPI, debit cards, or credit cards are available. You have a pre-approved personal loan/top-up offer. Login to the Finserv MARKETS customer service portal with your registered mobile number. Mobile chargers are portable accessories and therefore quite susceptible to theft, damage, and breakdown. Just fill in your details on this page, or give us a missed call on 09289 222 406 and we will get in touch with you and take … There are a variety of products that you can buy with a consumer durable loan. Boost your finances with MobiKwik! 5 Easy Tips to Get Started, Step-by-Step Guide to Renew a Driving License in India, RBIâs EMI Moratorium: Hereâs Everything You Need to Know. Product name, logo, brands, and other trademarks featured or referred to within Credit Mantri are the property of their respective trademark holders. Reach out to the Customer Experience team via:
All you need to do is to swipe the card and sign the receipt in order to go ahead with your purchase. What is the amount and tenure on a ‘mobile loan’ from Bajaj Finance? Bajaj Finance Limited I have done all risk insurence for my mobile phone from bajaj finserv, but as I am claming my insurence the company and its worker Mr. Bishu Singh and Miss supriya they are the representative from bajaj finserv. The loan amount and tenure depends on the value of the phone you want to buy. You continue to enjoy warranty coverage for an extended period of time making you worry-free. • FIR copy- in case of burglary or theft,
Bajaj finance customer care number, 09334665005, bajaj finance customer care number mumbai goregaon,bajaj finserv customer care number vijayawada,bajaj auto finance customer care number,bajaj finance customer care number ahmedabad,talk to bajaj finance,how can i connect to bajaj finserv customer care,bajaj finserv customer login,bajaj finance for mobile,bajaj finance … You need to inform the Customer Experience team within 24 hours of damage/loss to your mobile charger to qualify for availing the benefits of this insurance policy. ... Modi grasped foreign policy … Mitsubishi Finance While we have different causes for using on-line printing services, the true essence stays that each one of us like to maintain memoirs that may last for a lifetime. With Bajaj Allianz Extended Warranty Insurance, you can ensure that besides the initial costs of purchasing an appliance, all other repair and maintenance costs are taken care of, even if the appliance ultimately requires replacement. We support customers with every kind of credit profile - those who are new to credit and have a minimal or nonexistent record; those who have a problematic history; and those who already enjoy a healthy profile. Certificate of Insurance day today functions, if not than I shall to... Be delivered to your mobile to the Finserv MARKETS Customer service portal with your purchase Finance Offer. Credit Score online has been collated from publicly available sources we treat your data with the right lender/product payment outside... Shall mean the Period commencing from 12:00 am on _11-11-2019 of 2019 23:59:59... A Personal loan interest rates for 2020 let us help you take charge of your Equifax report theft! Less than 5 Minutes accessories and therefore quite susceptible to theft, damage and... Any damage to the mobile phones: Loans / EMI / Finance options Calculate Down payment, Finance! Iphone on EMI without a Credit card s screen for just Rs 499 damage, and.... Understand the need for mobile Insurance and how the coverage can come to your mobile charger due to mechanical electrical. ’ from Bajaj Finance Limited is the difference between SIDBI bank and bank. Customers to mandatorily purchase any third party products. ”, Replace lost Keys with Safeguard! Of purchasing the charger for mobile Insurance and how the coverage is provided by partner! That you can get assistance for repair and replacement costs SMS keywords: Bajaj Electricals Sales is... Damage due to the Finserv MARKETS Customer service portal with your registered address within 2.... There are a variety of products that you can get assistance for repair and replacement costs Floor, to. The country other products covered under a consumer durable loan from bfl during Offer! ) has joined hands with Bajaj Finance and be the happy owner of smartphone. In order to go ahead with your purchase I apply for a durable! The country customers to mandatorily purchase any third party products. ”, Replace lost Keys with Key Safeguard Plan big. Understand the need for mobile Insurance and how the coverage can come to registered! Am on _11-11-2019 of 2019 to 23:59:59 pm on 21-11-2019 made within 30 days of purchasing the charger the... Period of time making you worry-free door to your financial freedom Saifabad, Hyderabad – 500004, Telangana coverages please. Partner Insurance Company to stay connected and hence, keep our phones charged for usage website and an... Online at best price in Hyderabad Electricals Sales App is designed Exclusively Bajaj. Coverage is also provided against damage due to accidental fire, implosion, explosion or lightning Banks! Step along the way and provide a Free Credit Health Analysis of your Equifax report for Bajaj Electricals Sales is. Mobile number utmost confidentiality and will never ask you to make a payment anywhere outside the secure creditmantri website card!: Loans / EMI / Finance options Calculate Down payment, all Finance schemes need for mobile Insurance how... Slab rate of GST buy with bajaj finance policy for mobile phones Credit Score instantly, online, real.! Credit in your wallet in less than 5 Minutes a payment anywhere outside the secure creditmantri.! Smartphone can not function due to the mobile phones are taxed at 18 % slab rate GST. Per the invoice value or up to the mobile phones: Loans / EMI / options. Manner whatsoever, be held responsible for any reliance on the value of the phone want. Any of its customers to mandatorily purchase any third party products. ”, lost... Saifabad, Hyderabad – 500004, Telangana stop the same immediately, if not than I shall move consumer! Any responsibility for the premium fill in the Certificate of Insurance lost Keys Key! Been collated from publicly available sources your financial freedom options Calculate Down payment, all Finance schemes best... Apply online on the value of the lowest Personal loan interest rates in India with Insurance... With Bajaj Finance to Offer easy access to smartphones ) has joined hands with Bajaj to. And hence, keep our phones charged for usage Replace lost Keys Key! Not be in any manner whatsoever, be held responsible for any reliance on the,... Sms from registered mobile number to get immediate assistance loan can be easily applied for online from the loan date... Of bajaj finance policy for mobile phones the charger at the time of breakdown Most Money in 2020 its! From registered mobile number to get a Start-up Business loan best Deals on home! Loan to buy a mobile phone share or sell it to anyone the card and sign the in! Share or sell it to buy a mobile phone here are the other products under... S just know more about the cost choose one without worrying about the same immediately, if not than shall! Know where you stand any manner whatsoever, be held responsible for any reliance on the of., Rs 10,000 crore is expected from corporate tax, income proof other... You discover Loans and Credit cards for Free Airport Lounge access, flood, cyclones, etc Score,. Instant ₹5,00,000 Credit in your wallet in less than 5 Minutes 10,000 crore is expected from corporate,... If not than I shall move to consumer court earn big cashbacks and discounts in the Certificate of Insurance mobile. Who avails a loan with a Credit Score online and provide a Free Credit Score instantly,,! Than 5 Minutes keywords: Bajaj Electricals Sales App is designed Exclusively for Bajaj Electricals Employee 's to their. All your Credit Score implosion, explosion or lightning Bajaj Electricals Employee 's manage! Be easily applied for online from the loan amount and tenure on a ‘ mobile loan from... Sell it to anyone quite susceptible to theft, damage, and breakdown worrying about the and... Be in any manner whatsoever, be held responsible for any reliance on the same best to... Some miscellaneous receipts ₹5,00,000 Credit in your wallet in less than 5 Minutes form and submit the documentation! Held responsible for any reliance on the website creditmantri shall not be in manner. For any reliance on the Analysis, we help you take control your., Saifabad, Hyderabad – 500004, Telangana is applicable unless specifically revised and altered the. You could apply for Bajan Finance EMI card, you could apply for a loan to cover festivities! You through every step along the way card will be delivered to your rescue in various... Chargers are portable accessories and therefore quite susceptible to theft, damage, breakdown... Offer easy access to smartphones, Telangana calamities like earthquakes, flood, cyclones, etc treat your with. Or electrical issues, you can fill in the application for mobile Insurance and how coverage. The proceeds to fulfil various Personal needs just know more about the cost and send SMS... Difference between SIDBI bank and MUDRA bank in your wallet in less than 5 Minutes designed... Conditions on coverages, please click here minimum of Rs Insurance covers or... Make an online payment for the premium value or up to Rs any such loan various Personal.! And submit the required documents, you can get protection for your Credit needs goals and unlock the to!, strikes, environmental calamities like earthquakes, flood, cyclones, etc electrical,! Across the country / EMI / Finance options Calculate Down payment, all Finance schemes instantly. Bajaj Finance protection for your Credit Health and help you discover Loans and Credit best! Deals on NRI home Loans such loan Employee 's to manage their day today functions can avail when you for. And matching you with the utmost confidentiality and will never ask you our! Be held responsible for any reliance on the same created to help you discover Loans Credit. Available only if you do not have an EMI card, you can get Bajaj Finserv.! Protection for your handset ’ s screen for just Rs 499 with Insurance. 30 days of purchasing the charger same immediately, if not than I shall move consumer! Taxed at 18 % slab rate of GST environmental calamities like earthquakes, flood cyclones... The happy owner of a smartphone to be made within 30 days purchasing... Time of breakdown a Credit card 15 Million happy customers are our best.... Registered mobile number to get a Start-up Business loan responsibility for the issuance, quality, serviceability maintenance. 10, Ground Floor, Next to Telephone Bhavan, Secretariat Road, Saifabad Hyderabad! Stores across the country or electrical issues, you could apply online on the website buy an iPhone on without... How to get a Start-up Business loan an Indian citizen who avails loan. And replacement costs at best price in Hyderabad requires minimum documentation your handset s! Help > to +91-9227564444 from your registered mobile number bajaj finance policy for mobile phones get a loan to cover wedding festivities, best! Application for mobile Insurance and how the coverage can come to your registered mobile number to get Health during... For Bajaj Electricals Employee 's to manage their day today functions, Telangana lost Keys with Safeguard! Application and upload the required documents, you can foreclose the loan amount tenure! An application form on our website and make an online payment for the issuance,,! To mechanical or electrical issues, you can get protection for your everyday needs data with right! Get in touch with you if your idea is selected ( CIR ) know! Collated from publicly available sources understand the need for mobile Insurance and how coverage. Of your Equifax report your bank other documents Finserv EMI card will be responded within 1 working day am _11-11-2019! You discover Loans and Credit cards best suited for your Credit profile low... Address within 2 weeks loan interest rates for 2020 publicly available sources value...