[Resolved]  HDFC Bank — Fake call

Address:

Mumbai City, Maharashtra, 400050

Even I got a similar call as explained above. The delhi girl ([protected]) said that she is calling from HDFC bank office in Delhi. She offered me personal loan at the interest rate 0% . Considering the current market rate for personal loan (no less than 12%) I found this offer interesting. I even asked her how can they afford personal loan at such low rate. To this her reply was 'Its only possible because we are contacting you directly from the main branch, if it originates through agents/ local branch then we need to pay their cut as part of commission and this in turn reflects into the increased interest rates.This sounded a little fishy. Also when I asked her how did she get my number, she replied that even though you do not have an account with HDFC, we still get information from other banks giving us a list of potential loan customers based on their transactions and balance. (??!!)
Just to know what's this all about, I told her that I would like to go for a personal loan of 3 lacs. She then asked my take home salary and enquired about any other existing loans. After I gave her the numbers, she said that I can easily get the requested amount in 18-25 days after I submit the documents (pan card, address proof, bank statement for last 6 months, photos) . But since this is a loan against policy, I will have to deposit 10% of loan amount initially with the documents. This amount will be returned to me after 3 months from the date of loan disbursement. She also said that there is no chance of deceit as I need to draw cheque on the name of 'HDFC life insurance company ltd.'
She said her senior will call me soon to give me emi related details.