I understand that
working:: ftp://sawanbanna.bizhat.com:password...nna.bizhat.com
working:: ftp://sawanbanna.bizhat.com:[email protected]

Both are working for me

but the second one is what I mean of the address ftp.bizhat.com !!! :idea:
what I concerned is when you use address on client software is ftp.bizhat.com , then when you access through browsers, why don't use the same address which is ftp.bizhat.com

like I said just curious