diff --git a/api/application/helpers/financialform_helper.php b/api/application/helpers/financialform_helper.php
index dc6507a1..03364583 100644
--- a/api/application/helpers/financialform_helper.php
+++ b/api/application/helpers/financialform_helper.php
@@ -49,8 +49,22 @@ public static function getOtherLoanDetails($values){
             $setFrequencyType = ' per';
     
         }
-        $loanTaken=$tag['loan_taken_by'][0];
         
+        $name_of_borrower = '';
+        foreach ($tag['loan_taken_by'] as $l_key => $l_value) {
+            if($l_value['id'] == 0)
+            {
+                 $name_of_borrower .= $tag['others_loan_taken'].' ,';
+            }
+            else
+            {
+                $name_of_borrower .= $l_value['name'] . ' , ';
+            }
+        }
+        $name_of_borrower = substr_replace($name_of_borrower,'',strrpos($name_of_borrower,','),1);
+       if(strrpos($name_of_borrower,',')) { $name_of_borrower = substr_replace($name_of_borrower,' and ',strrpos($name_of_borrower,','),1); }
+        
+       
         
         
         $first_row .= $tag['loan_type']==1 ? '<td class="customtd">'.$tag['others_loan_type'].'</td>' : '<td class="customtd">'.$tag['loan_type_master'] .'</td>';
@@ -61,7 +75,7 @@ public static function getOtherLoanDetails($values){
         
         $fourth_row .= $tag['lender']==1 ? '<td class="customtd">'.$tag['others_lender'].'</td>' : '<td class="customtd">'.$tag['lender_master'].'</td>';
     
-        $fifth_row .= $loanTaken['id']==0 ? '<td class="customtd">'.$tag['others_loan_taken'].'</td>' : '<td class="customtd">'.$loanTaken['name'].'</td>';
+        $fifth_row .= '<td class="customtd">'.$name_of_borrower.'</td>';
         
          $sixth_row .= '<td class="customtd">'.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($tag['emi']).'</td>';
         
@@ -70,8 +84,8 @@ public static function getOtherLoanDetails($values){
         $eigth_row .= '<td class="customtd">'.$tag['original_tenure'].'</td>';
         
         $ninth_row .= '<td class="customtd">'.$tag['elapsed_tenure'].'</td>';
-        
-        $tenth_row .= '<td class="customtd">'.($tag['original_tenure'] - $tag['elapsed_tenure']).'</td>';
+        $bal = is_numeric($tag['original_tenure']) && is_numeric($tag['elapsed_tenure']) ? ($tag['original_tenure'] - $tag['elapsed_tenure']) : '';
+        $tenth_row .= '<td class="customtd">'.$bal.'</td>';
    }    
    }
         return array(
diff --git a/api/application/helpers/neighbourreferencecheckform_helper.php b/api/application/helpers/neighbourreferencecheckform_helper.php
index 1f8fc603..415323e0 100644
--- a/api/application/helpers/neighbourreferencecheckform_helper.php
+++ b/api/application/helpers/neighbourreferencecheckform_helper.php
@@ -38,27 +38,27 @@ public static function getNeighbourhoodDetails($company_name,$values,$pdMasterVa
 					if($owner['id'] != 0)
 					{
 						$title = MYUTIL::applicantTitleName($applicants_details,$owner['id']);
-						$ownwers_list .= $title.$owner['name'].',';
+						$ownwers_list .= $title.$owner['name'].' , ';
 						
 					}
 					else
 					{
-						$ownwers_list .= ' '.$tag['other_organisation_owner'].',';
+						$ownwers_list .= ' '.$tag['other_organisation_owner'].' , ';
 					}
 				}
 				//echo $ownwers_list;
 				//$ownwers_list = substr_replace($ownwers_list,'', strrpos(-$ownwers_list,','),1);
 				//echo $ownwers_list;
-				if(count($tag['organisation_owner']) == 1)
-				{
+				//echo $ownwers_list;echo "**********";
+                
 				$ownwers_list = substr_replace($ownwers_list,'', strrpos($ownwers_list,','),1);
-				}else if($tag['organisation_owner'] > 1)
-				{
-					$ownwers_list = substr_replace($ownwers_list,' and ', strrpos($ownwers_list,','),1);
-				}
+                if(strrpos($ownwers_list,','))
+                {
+				    $ownwers_list = substr_replace($ownwers_list,' and ', strrpos($ownwers_list,','),1);
+                }
 				
-			
-				$grammer1 = count($tag['organisation_owner']) > 1 ? ' are': ' is ';
+				
+				$grammer1 = count($tag['organisation_owner']) > 1 ? ' are ': ' is ';
 				$grammer2 = count($tag['organisation_owner']) > 1 ? 'owners': 'owner';
 				$ownership = 'As per '.$tag['neighbourhood_name'].' the '.$grammer2 .' of '.$company_name.$grammer1.$ownwers_list.'.';
 				
diff --git a/api/application/helpers/otherfamilyform_helper.php b/api/application/helpers/otherfamilyform_helper.php
index 869bb494..caea8854 100644
--- a/api/application/helpers/otherfamilyform_helper.php
+++ b/api/application/helpers/otherfamilyform_helper.php
@@ -18,7 +18,9 @@ public static function getFamilyDetails($values){
         //$storeValue['residency_address'] .='.';
         $storeValue['residence_No_of_years']=($fetchVal['residence_No_of_years'] == 1) ? $fetchVal['residence_No_of_years'].' year' :(($fetchVal['residence_No_of_years'] > 1) ? $fetchVal['residence_No_of_years'].' years' : "");
 
-           $storeValue['residence_No_of_years'] .= isset($fetchVal['residence_No_of_months']) && $fetchVal['residence_No_of_months'] != "" ? ' and ' . $fetchVal['residence_No_of_months'] .' Month(s)' : '';
+           $storeValue['residence_No_of_years'] .= isset($fetchVal['residence_No_of_months']) && $fetchVal['residence_No_of_months'] != "" ? ( (isset($fetchVal['residence_No_of_years']) && $fetchVal['residence_No_of_years'] != 0) ? ' and ' : '' ).$fetchVal['residence_No_of_months'] .' Month(s)' : '';
+
+          // echo $storeValue['residence_No_of_years'];die();
         $storeValue['residence_ownership']=($fetchVal['residence_ownership'] == 1) ? $fetchVal['ownershipOther'] :(($fetchVal['residence_ownership'] == 3) ? $fetchVal['residence_ownership_master'] : $fetchVal['residence_ownership_master']);
 		$storeValue['rent'] = $fetchVal['rent'];
         $storeValue['no_family_members']= count($fetchVal['family_members_details']) > 0 ? count($fetchVal['family_members_details']) : '0';
diff --git a/api/application/views/report_templates/JSONTOREPORT.php b/api/application/views/report_templates/JSONTOREPORT.php
index ec8b26f1..b064ca62 100644
--- a/api/application/views/report_templates/JSONTOREPORT.php
+++ b/api/application/views/report_templates/JSONTOREPORT.php
@@ -1230,6 +1230,11 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 				{
 					$loan_table_dispaly_rows[] = array('particulars' => 'Current Owner/Seller of the property','details' => $loan_form['property_seller'] );
 
+					
+				}
+
+				if(isset($loan_form['address']) && $loan_form['address'] != '')
+				{
 					$address_of_owner_seller_property = $loan_form['address'] . (isset($loan_form['city_master']) ? ', '.$loan_form['city_master'] : '') . (isset($loan_form['state_master']) ? ', '.$loan_form['state_master'] : '') . (isset($loan_form['pincode_master']) ? ', '.$loan_form['pincode_master'] : '');	
 
 					$loan_table_dispaly_rows[] = array('particulars' => 'Address of the property','details' => $address_of_owner_seller_property );
@@ -3833,11 +3838,11 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 					<!-- <p>Status of check: Could Not Verify. <br>Neighbour Check was not possible due to Could not verify</p> -->
 					<!-- <p>Neighbour Check was not possible due to Could not verify</p> -->
 					<p>Status of the check: could not verify.<p>
-						
+				
 				<?php 
-
+				}
 				if($neighbourhood_form_common_remarks != ""){ echo '<p>'. $neighbourhood_form_common_remarks.'</p>';}
-				}?>
+				?>
 			
 			<!-- #################end neighbourhood/reference check #################-->
 			
@@ -4128,7 +4133,7 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			<!-- #################Annexure B(RI) section start#################-->
 			
 	<?php
-			if($GLOBALS['is_rental_available'] == 1)
+			if(isset($GLOBALS['is_rental_available']) &&  $GLOBALS['is_rental_available'] == 1)
 			{
 				$rental_data = array();
 				$first_owners_row = '<tr><td>Lessor Name / Property Owner Name</td>';