I have a CibilResponse Class that has properties that are of class type (TUEF class). I am trying to assign value to CibilEnquiryEnq.Tuef.Version but i am getting null reference error. Before you mark this question as duplicate let me mention that I have read some of the similar questions and their answers on SO and post which I have initialized tuef in the constructor as you can see in my code. Can you please point out if you can what is it that I am doing wrong?
ICIBIL.cs
[ServiceContract]
public interface ICIBIL
{
    [OperationContract]
    string InsertCibil(CibilResponse cibilResponse);
    [OperationContract]
    string GenerateEnquiry(CibilEnquiry testObj);
}
[DataContract]
public class CibilResponse
{
    [DataMember]
    public string ResponseString { get; set; }
    [DataMember]
    public string Business { get; set; }
    [DataMember]
    public string MkrId { get; set; }
}
[DataContract]
public class CibilEnquiry
{
    [DataMember]
    public TUEF Tuef { get; set; }   
    public CibilEnquiry()
    {
        this.Tuef = new TUEF();
    }
}
    [DataContract]
    public class TUEF
    {
        [DataMember]
        public string SegmentTag { get; set; }
        [DataMember]
        public string Version { get; set; }
        [DataMember]
        public string MemberReferenceNumber { get; set; }        
    }
Appication :
CibilWcfService.CIBIL obj = new CibilWcfService.CIBIL();
CibilWcfService.CibilEnquiry CibilEnquiryEnq = new CibilWcfService.CibilEnquiry();
CibilEnquiryEnq.Tuef.Version = "123";// null reference error here
string res = obj.GenerateEnquiry(CibilEnquiryEnq);
 
     
    