Irda — forceful deduction of insurance premium by sbi for loan applicant

Address:

Kohima, Nagaland, 797112

Dear, sir/madam,
Sbi in nagaland branches are making mandatory for the loan applicant to take insurance while availing personal loan from the bank by the goverment employees. I have a question that whether loan applicant should mandatory take insurance even when their salary is credited to their account?? If its not mandatory kindly take necessary step to stop the harassment of innocent citizen. Peopke take loan because of exigency not because to take insurance.