Create a hyper-realistic 3D model of Kurma Avatar, a majestic deity, half-human and half-turtle, with a serene bluish-grey complexion and long dark hair. Its muscular, four-armed torso blends seamlessly into a large, segmented turtle shell with dark green and brown scutes, leading to a textured, scaly tail and patterned flippers. Adorned with ornate golden armbands, a multi-layered pearl necklace, a golden chest ornament, and a tall, elaborate crown. One hand holds a vibrant pink lotus, another a conch, with two in blessing gestures. A subtle divine glow enhances its presence. Ultra-detailed PBR textures for skin, shell, and metal. The tortoise incarnation of Lord Vishnu, Highly detailed.