Life Insurance Corporation of India [LIC]
Life Insurance Corporation of India
Customer satisfaction rating: 39%
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5615
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Life Insurance Corporation of India [LIC] Customer Care

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Address
LIC Central Office, 2nd Floor, Jeevan Bima Marg
Mumbai
Mumbai City District
Maharashtra
India - 400021

Customer Care Phone Numbers and Contacts

Toll-free:
Toll-free:
up
473
down
261
up
164
down
106


Fax:
Fax:
+91 22 2288 4103  

Additional info
Central Zone
Bhopal: +91 75 5267 6254
Gwalior: +91 75 1244 8606
Indore: +91 73 1252 3513
Jabalpur: +91 76 1267 1079
Raipur: +91 77 1258 3062
Satna: +91 76 7222 8100
Shahdol: +91 76 5224 8469

Central Zone
Begusarai: +91 62 4324 5265
Berhampur: +91 68 0229 6390
Bhubaneswar: +91 67 4230 3140
Cuttack: +91 67 1230 7857
Hazaribagh: +91 65 4627 2611
Jamshedpur: +91 65 7232 0564
Patna: +91 61 2220 4067
Sambalpur: +91 66 3254 1388

Eastern Zone
Asansol: +91 34 1225 6012
Bongaigaon: +91 36 6422 8281
Guwahati: +91 36 1263 8404
Howrah: +91 33 2243 4614
Jalpaiguri: +91 35 6125 5443
Jorhat: +91 37 6236 1613
Kharagpur: +91 32 2225 3302
KMDO 1: +91 33 2212 6122
KMDO 2: +91 33 2397 0025
KSDO: +91 33 2334 2708
Silchar: +91 38 4224 1716

North Central Zone
Agra: +91 56 2252 5972
Aligarh: +91 57 1242 0066
Allahabad: +91 53 2240 1854
Bareilly: +91 58 1230 1712
Dehradun: +91 13 5266 8231
Faizabad: +91 52 7824 4261
Gorakhpur: +91 55 1223 0322
Haldwani: +91 59 4626 7886
Kanpur: +91 51 2236 8546
Lucknow: +91 52 2262 4214
Meerut: +91 12 1267 1201
Varanasi: +91 54 2245 4420

Northern Zone
Ajmer: +91 14 5266 1878
Amritsar: +91 18 3255 6658
Bikaner: +91 15 1222 5920
Chandigarh: +91 17 2278 4620
Delhi 1: +91 11 2884 4132
Delhi 2: +91 11 2882 2223
Delhi 3: +91 11 2885 5115
Jaipur 1: +91 14 1274 5834
Jaipur 2: +91 14 1271 3708
Jalandhar: +91 18 1245 9826
Jodhpur: +91 29 1265 7849
Karnal: +91 18 4226 6580
Ludhiana: +91 16 1252 1838
Rohtak: +91 12 6222 8328
Shimla: +91 17 7262 9212
Srinagar: +91 19 1247 5839
Udaipur: +91 29 4248 8581

South Central Zone
Bangalore 1: +91 80 2296 6515
Bangalore 2: +91 80 2296 6812
Belgaum: +91 83 1243 8808
Dharwad: +91 83 6244 1968
Hyderabad: +91 40 2342 0771
Kadapa: +91 85 6224 7017
Karimnagar: +91 87 8224 0597
Machilipatnam: +91 86 7222 3372
Mysore: +91 82 1249 5764
Nellore: +91 86 1232 3072
Raichur: +91 85 3223 2432
Rajahmundry: +91 88 3242 3832
Secunderabad: +91 40 2766 5039
Shimoga: +91 81 8225 1320
Udupi: +91 82 0253 6907
Vizag: +91 89 1253 3211
Warangal: +91 87 0257 9364

Southern Zone
Chennai 1: +91 44 2861 0353
Chennai 2: +91 44 2345 1551
Coimbatore: +91 42 2230 3503
Ernakulam: +91 48 4236 1938
Kottayam: +91 48 1258 0121, +91 48 1258 0102
Kozhikode: +91 49 5272 6006
Madurai: +91 45 2253 7778
Salem: +91 42 7241 1487
Thanjavur: +91 43 6223 3678
Tirunelveli: +91 46 2256 0860
Trivandrum: +91 47 1254 0932
Vellore: +91 41 6222 6718

Western Zone
Ahmedabad: +91 79 2551 1419
Amravati: +91 72 1255 1145
Aurangabad: +91 24 0232 9299
Bhavnagar: +91 27 8242 1963
Gandhinagar: +91 79 2323 8250
Goa: +91 83 2243 8418
Kolhapur: +91 23 1266 1135
Mumbai 1: +91 22 2202 8225, +91 22 6659 9066
Mumbai 2: +91 22 2401 0375, +91 22 3049 2020
Mumbai 3: +91 22 6781 9220
Mumbai 4: +91 22 6659 9233
Mumbai 5: +91 22 2626 7050
Nadiad: +91 26 8253 2134
Nagpur: +91 71 2254 6436
Nanded: +91 24 6222 1777
Nashik: +91 25 3231 7607
Pune1: +91 20 2551 2969
Pune 2: +91 20 2421 7638
Rajkot: +91 28 1248 3210
Satara: +91 21 6222 4708
Surat: +91 26 1280 1407
Thane: +91 22 2582 9702, +91 22 2582 7728
Vadodara: +91 26 5222 5188

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Customer satisfaction rating
Customer satisfaction rating is a complex algorithm that helps our users determine how good a company is at responding and resolving complaints by granting from 1 to 5 stars for each complaint and then ultimately combining them all for an overall score.
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39%
Complaints
5615
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So far so good - The company responded to our notifications and is working on resolving complaints.

Working hours
Mon 08:00 am - 08:00 pm
Tue 08:00 am - 08:00 pm
Wed 08:00 am - 08:00 pm
Thu 08:00 am - 08:00 pm
Fri 08:00 am - 08:00 pm
Sat 10:00 am - 06:00 pm
Sun Closed

Life Insurance Corporation of India [LIC] Complaints & Reviews

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Dear Sir/Madam, Greetings !!! With due respect and humble submission I would like to submit the following few lines...
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[Resolved]

I joined central govt. on 02 Jun 2008 & superannuated on 31 May 2010. As per NPS contribution I opted for annuity payment from LIC India. LIC issued policy No.[protected]. As required longevity certificate was submitted through Shimla LIC office in Aug 2013. I submitted the grievance online also. I am yet to receive the annuity. R D Lakahnapl Lakhanpal Cottage Below BCS School Near Kalta house New Shimla 171009 Tel [protected]
Aug 14, 2020
Complaint marked as Resolved 
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    I have a house loan from LIC HFL, Loan A/c No[protected]. I sent ECS form three months ago to the the company. But till...
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    I have receive the check no.191790 dated on 24/08/2012, but in last one year I am outside India for official work, so I just...
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    [Resolved]

    I had availed loan against my Policy nos.[protected] and[protected] for which I repaid complete loan amount and the applicable interest on[protected] at branch 95Y. As the policy bond papers were not returned at the time loan repayment, I had asked LIC to send it by post. The policy bond paper for the policy no.[protected] was returned on September 4th 2013, after repeated mails and reminders. Still the policy bond papers for the second policy no. 95339314 are still not returned by LIC. I hope they bond papers are safe and LIC will take heed and will return it at the earliest.
    Aug 13, 2020
    Complaint marked as Resolved 
    Oct 16, 2013

    Complaint Status

    Life Insurance Corporation customer support has been notified about the posted complaint.
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      sir, my name is anuj kumar I have taken a policy of lic in 2009. my policy no is[protected] which was a joint policy due to...
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      [Resolved]

      It is requested to your good-self that please go through Loan Account no 15011058 and 15011059 and take/help necessary step to credit the amount of fine as well as the difference in my loan amount into my account. In this regard a representation addressed to Ghansham Gupta (Advocate) Punjab and Haryana High Court, Chandigarh is attached(As he is calling me through Legal Notice) and requesting you to look into the matter personally and praying that please please make this issue resolve by constituting a Enquiry committee so that unnecessary harassment of a customer can be stopped.
      Sir, it is prayed that please provide your personnel attention to the matter so that truth comes in front of you.]
      Matter most urgent and needs your personnel attention please.
      (Pardeep Kumar Gupta)

      Enclosure:- Various correspondence to LICHF
      Dated[protected]
      Pardeep Kumar Gupta
      S/o Sh. Din Dayal Gupta
      298/20, HUDA, Kaithal-136027
      M- [protected]
      E-mail:- [protected]@gmail.com
      To,
      Area Manager LICHFL,
      LIC Housing Finance Limited,
      S. C. O. - 144, Sector 13, KARNAL - 132 001.
      Subject: - Loan Account nos 15011058 and 15011059.
      R/sir,
      Please refer to telephonic discussion with you (Sh. Santosh Murari and Sh. Narender) and my previous letter dated 12-9-12 addressed to Chairman LICHF. The following points are submitted please.
      1. That Sh. Santosh Murari and Sh. Narender committed on dated[protected] to correct my account number 15011059 and promised to make necessary correction. Moreover they accepted the Major mistake of officers/staff of LICHFL in the above said accounts.
      2. After this commitment and a lot of request by Sh. Santosh Murari and Sh. Narender on dated[protected], I deposited two numbers EMI i.e. Rs. 35280/- 17640 through Cash and 17640 through check, but till date my account is not corrected as per my pervious correspondence and Telephonic discussion with Sh. Santosh Murari and Sh. Narender.
      3. I sent many representations to LICHF (1. Chairman office, 2. Area Manager, 3. Regional Manager, 4. customer care, 5. Sh. Ghansham Gupta, Advocate, LICHF, 6. Mr. Vineet Rathore & company, Advocate, LICHF, 7. Ms. Vijay Arora (Agent) Kaithal.) but LICHF did not responded a single representation, This clearly shows the mollified intention of LICHF officers and it clears that LICHF made a Major Mistake and trying to overlook that mistake. This Financial major mistake can’t be ignored by LICHF as I have all the records with me.
      4. It is once again requested to solve all the grievances within 21 days of this representation and after that I am forced to STOP EMI payments in future.
      Matter Most Urgent Please and needs your personnel attention Please.


      Sincerely

      (Pardeep Kumar Gupta)
      Cc to: -
      1. Sh. D.K. Mehrotra, The Chairman, Bombay Life Building, 2nd Floor, 45/47, Veer Nariman Road, Fort, Mumbai - 400 001 (with a request letter attached with this representation and requesting him to look into the matter personally and praying that please please make this issue resolve by constituting a Enquiry committee so that unnecessary harassment of a customer can be stopped).
      2. Regional Manager, LICHF, Jeevan Deep Bld., New Delhi. (With a request to solve the matter at your end. It is requested to solve all the grievances within 21 days of this representation and after that I am forced to STOP EMI payments in future.

      Copy of the above has been sent through E-Mail at the following addresses: - [protected]@lichousing.com, [protected]@lichousing.com, ro.[protected]@lichousing.com, ro.[protected]@lichousing.com
      Enclosure: - copy of my previous letter dated 12-9-12 addressed to Sh. D.K. Mehrotra, The Chairman.











      Dated- 12-9-12

      To,
      Sh. D.K. Mehrotra
      The Chairman,
      Bombay Life Building, 2nd Floor, 45/47,
      Veer Nariman Road, Fort, Mumbai - 400 001

      Subject: - Request to constitute an Enquiry Committee/Independent Arbitrator Loan Account No. 15011058 & 15011059.
      Respected Sir,
      Kindly refer to my request dated[protected], It is requested to your good-self that please go through the Loan Account no 15011058 and 15011059 and take/help necessary step to credit the amount of fine as well as the difference in my loan amount into my account. In this regard a representation addressed to Ghansham Gupta (Advocate) Punjab and Haryana High Court, Chandigarh is attached(As he is calling me through Legal Notice) and requesting you to look into the matter personally and praying that please please make this issue resolve by constituting a Enquiry committee so that unnecessary harassment of a customer can be stopped.
      Sir, it is prayed that please provide your personnel attention to the matter so that truth comes in front of you.

      Sincerely

      (Pardeep Kumar Gupta & Richa Gupta)
      S/o Sh. Din Dayal Gupta
      298/20, HUDA, Kaithal-136027
      M- [protected]
      E-mail:- [protected]@gmail.com
      Cc:-
      1. Area Manager LICHFL, LIC Housing Finance Limited, S. C. O. - 144, Sector 13, KARNAL - 132 001. (With a request to solve the matter at your end and avoid a customer to go in consumer court as my advocate suggested me. It is requested to solve all the grievances within 30 days of this representation and after that I am forced to STOP EMI payments in future and will go in consumer court with all the FACTS).

      Enclosure: _ 1. FACTS/Representation having 4 numbers of pages for correction in Loan Account No 15011059 addressed to Ghansham Gupta (Advocate) Punjab and Haryana High Court, Chandigarh.
















      Dated- 12-9-12
      Pardeep Kumar Gupta
      S/o Sh. Din Dayal Gupta
      298/20, HUDA, Kaithal-136027
      M- [protected]
      E-mail:- [protected]@gmail.com
      To,
      Sh. Ghansham Gupta, Advocate,
      Punjab & Haryana High Court,
      Cabin No. 1, 2nd floor, SCO 2413-14, Sector 22-C,
      Chandigarh- 160022

      Reference No: - Your letter no LICHFL/KNL/LN-1/26 dated 05-9-12.
      Subject: - LEGAL NOTICE regarding outstanding amount.
      Dear Sir,
      It is requested that please go through the case/file i.e. Loan Account no 15011058 and 15011059 and take/help necessary step to credit the amount of fine as well as the difference in my loan amount into my account. In this regard I want to submit the following points.
      1. That I have been sanctioned a loan of Rs 17, 50, 000/- vide loan account no. 15011058 on dated[protected] through Ms. Vijay Arora (Agent) Kaithal.
      2. But only amount of Rs 17, 25, 000 was credited in my Greater NOIDA account which has a difference of Rs 25, 000/- and this is because of major mistake of LICHFL and my account number was changed to 15011059 by LICHFL without any prior information to me, to remove all the shortcoming by LIHFL (I have all the proofs with me to prove in consumer court).
      3. Now there were debit standing in the payment of Greater NOIDA plot and this was only because of the major mistake by LICHFL Officers/officials.
      4. When I visited Greater NOIDA office, I get shocked after seeing my payment details made by LICHFL. I immediately called the agent and the Area Manager Karnal to discuss the matter, but they did not take the matter seriously and denied to discuss the matter.
      5. After a lot of harassment by Officers/Managers and some officials of LICHFL I stopped paying the monthly EMI.
      6. NOIDA authorities issued/called me through a default payment Notice of pending amount Rs 26212.32 (25, 000+ 1212.32 int) on dated[protected] in respect of allotment no. RPS0195452 because of only LICHFL.
      7. Till date I lost an amount of Rs 26212.32, 1600(Approx. fined by HDFC Bank for check), THE UNKNOWN amount fined by LICHF, Varoius correspondence charges, several time visiting charges and harassment charges. Moreover, I also lost the moral respect and image in terms of regular payment because of LICHF.
      8. Even after all these irregularities and harassment by LIC Housing Finance Ltd being a responsible person I started paying regular EMI wef March 2010.
      9. Then LICHF called upon me through the LEGAL NOTICE for not depositing the outstanding amount through your Legal consultant Mr. Vineet Rathore & company. I also represented myself in front of Legal consultant, Area Manager, Karnal and your head office to Regional manager for clearance of pending dues. But they denied solving the matter and till date my problem is not solved at their end.
      10. Till date I am receiving the calls from different offices and Agent office and I have been telling all the grievances and mistakes of LICHF to the different people calling me without base time to time for non payment of 2 no’s installment. The numbers and names of such persons are mentioned here for your reference please.
      a) [protected] Ms. Chand, Ms Pooja
      b) [protected], 220 0534 (Denied to tell the name)
      c) [protected], [protected] Area Manager
      d) [protected] Ms Sonia, Mr Rajeev, Ms. Vijay Arora (Agent), Mr. Dinesh
      e) [protected] Mr Narender
      f) [protected] Mr. Sharma
      g) [protected] (Mr. Kuldeep)
      h) [protected] (Sh. Santosh Morari)
      11. On dated 19-4 12. I sent a representation to respected Chairman, LIHFL with some positive hopes.
      12. Your good-self is requested to advice the LICHF for credit all the fines and the amount to my loan account so that I can deposit the outstanding amount.
      13. I have been visited a lot to LICHFL offices and made many written correspondences with Area manger and agent but always harassed there.
      Matter Most Urgent Please and needs your personnel attention Please.
      Sir, LICHF is in non compliance of Terms of Loan. It is requested to seek remedies from LICHF at their cost and expenses as this is only because of total human error which LICHF is not accepting.
      Sincerely

      (Pardeep Kumar Gupta & Richa Gupta)
      S/o Sh. Din Dayal Gupta
      298/20, HUDA,
      Kaithal-136027
      M- [protected]
      E-mail:- [protected]@gmail.com
      Cc:-
      2. Area Manager LICHFL, Karnal (with a request to solve the matter at your end and avoid a customer to go in consumer court as my advocate suggested me. It is requested to solve all the grievances within 30 days of this representation and after that I am forced to STOP EMI payments in future and will go in consumer court with all the FACTS).
      3. Regional Manager, LICHF, Jeevan Deep Bld., New Delhi. (for information and necessary action please)
      4. Sh. D.K. Mehrotra, The Chairman, Bombay Life Building, Mumbai[protected] with a request letter attached with this representation and requesting him to look into the matter personally and praying that please please make this issue resolve by constituting a Enquiry committee so that unnecessary harassment of a customer can be stopped)
      Aug 14, 2020
      Complaint marked as Resolved 
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        Hello Sir/Mam, My Policy Details are as follows: LIC Policy No:[protected] LIC Premium receipt for the year 2009...
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        [Resolved]

        Hi LIC Team, I'm unable to pay my premium Online for the policy number[protected], I'm facing with following error tag - 'Premium can not be paid for this policy using Online Payment Facility. Please ensure that premium is due for the policy and try again.t'. Can you please help with this as I cannot my premium through any other channel due to my personal constraints. Regards, Ketan Sarmalkar
        Aug 14, 2020
        Complaint marked as Resolved 
        Unable To Pay Premium Through On-line
        Hello,
        I am unable to pay the premium through online
        (https://customer.onlinelic.in/) for the policy number[protected].
        Getting the following error:Premium can not be paid for this policy using Online Payment Facility.
        Please ensure that premium is due for the policy and try again.

        Please tell me how to rectify this?

        Regards,
        Chandrashekar
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          Dear All, I applied the loan in LIC Housing on 31 OCT 2012. File No :- [protected] & file has been recjected by area...
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          [Resolved]

          card no. [protected] payment via cheque in jasola, delhi branch on 4th may 2012. this is regarding the credit card in the name of manmohan khati, and payment the cheque no. 062542 dropped in jasola branch on 4 may, but it is still not cleared, and i got another mail to deposit the amt. with late payment and interest charges. how come this happend pls. check this out and revert back to me. whether it is my fault or the bank or lic cards dept. fault. if it is not my fault then can get back with interest and late payment charges towards me. Matter is under consider with zeehelpline, national consumer helpline, akosha.
          Aug 13, 2020
          Complaint marked as Resolved 
          Oct 03, 2013

          Complaint Status

          LIC Credit Card customer support has been notified about the posted complaint.
          Dear manmohan696,

          We came across your complaint against LIC credit card. Unfortunately, we are not able to locate your Akosha ticket based on the details you have given on this post. Thus, we request you to fill this form out so that we can identify your ticket: http://bit.ly/akoshacares. Post that, one of our senior team members will give you a call to help you out.
          Despite the fact that we try our best to resolve complaints, we are not able to do that for all. Here is a Quora post by our founder which will explain the constraints that we face and what we are doing to overcome them: http://www.quora.com/Is-Akosha-actually-able-to-resolve-consumer-complaints/answ...
          Hope you'll understand.

          Regards
          Online Team
          Akosha
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            Sir, i am having two loan account bearing Nos., [protected] and [protected]. i tried to register the same online with your...
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            My wife had Very serious Dengue fever starting on 19/6/2013 admitted in the nearby Hospital and after six days took it to...
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            I purchased an LIC 3 months back for my husband and paid ther first installment nearly 2 months back and the advisor told...
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            [Resolved]

            LOAN NO: 3032915//Myself c, subramanian facing harrasement by Mr Ravikumar and Sivasubramanian they both claim that they are the legal heads for lichfl and using all sort of filthy language in recovering the dues of 48000/- for the past 6 months after i lost the job due to recession i find difficult in clearing housing laon dues. and recently i have got a job and going to get my salary on 5/10/2013 .Inspite of all these facts they keep on harrasing me by pasting multicolour DEFAULTER POSTERS and threating that any time they may take possession of my property or bringing some real estate broakers to sell the house. Having i paid 12 years dues intime i request the supreme power of recovery department to approach this issue on humanitarian groungs if they keep doing this i may have to commit SUICIDE to save my hard earned property. MAY I REQUEST TIME TILL 5/10/13 TO CLEAR MOST OD MY ARREARS. PLEASE SUPPORT ME IN THIS REGARD
            Aug 14, 2020
            Complaint marked as Resolved 
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              [Resolved]

              Dear Sir / Madam,
               

              I have LIC policy no[protected]Money plus) of which details are given below.

              It’s maturity period has been completed last one & half year. Hence I applied for withdrawal of this policy.

              I have handed over all original documents with application letter, cancelled cheque to agent, whose details are given below.

              From last one year, I am taking follow up for this transaction & there is no proper response from Agent & also he did not want withdraw it & dilly-dallied till date.

              I already fed up with follow ups to agent. So I expect prompt response from LIC.

              I’m in urgent need of the money.


              So I request cosumer forum to look into this matter urgently.

               
              Please note original policy bond statement is with agent.

               
              Policy Details: -

              Policy Holder Name: - Prabhakar Namdeo Shejwal

              Policy No:[protected]

              Plan: Money Plus (T. No. 180)

              Fund Type; Growth

              Servicing Branch: 952


              Agent Details: -

              Smt. Sant Kumari P. Pande

              19590952

              Nikhil Height, Flat No 7/8,

              Near Sharad Hospital,

              Wadgoan Budruk, Pune.

              Mobile No.: [protected]

              Office No.: [protected]
              LIC POLICY NO. 956450798 : NOT GETTING RESPONSE FROM LIC AGENT: URGENT ATTENTION NEEDED
              Aug 14, 2020
              Complaint marked as Resolved 
              Sep 24, 2013

              Complaint Status

              Life Insurance Corporation of India customer support has been notified about the posted complaint.
              So many facing same problem from LIC agent.
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                [Resolved]

                from lekhraj rao retred headmaster c/o lalitkumar soni opposite old hostle khedawas takhatgarh 306912 post takhatgarh district pali rajasthan.
                sss policy no[protected] surrender on 16/8/2018,reminder send on 7/9/2013 with all documents.yet I have not received final surrender payment of policy no[protected].I was govt servant and retired on 31 july 2013. I am unable to continue policy till maturity date. please help and sent my surrender amount in s.b. a/c no [protected] .thanks lekh rajra0 m.n.[protected] and email address.ujjawal.[protected]@gmail.com
                Aug 14, 2020
                Complaint marked as Resolved 
                Sep 23, 2013

                Complaint Status

                Life Insurance Corporation of India customer support has been notified about the posted complaint.
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                  [Resolved]

                  Dear Sir,
                  I have submitted my policy for reassignment along with loan application fully filled up with revenue stamp, axis bank account no., axis bank cancelled cheque & my sign whereever required. documents submitted on 16.09.2013 till i have not got any loan, or not called for any lack of documents.

                  Please look into this as i have in the need of money.

                  my mail id is : barkade.[protected]@rediffmail.com

                  Please send me detail on my mail id or contact me on [protected].

                  My policy no. :[protected]

                  Thanks,
                  Barkade
                  Aug 14, 2020
                  Complaint marked as Resolved 
                  Sep 24, 2013

                  Complaint Status

                  Life Insurance Corporation of India customer support has been notified about the posted complaint.
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                    [Resolved]

                    Sir, I am LIC Policy holder.I went to LIC,Sahebganj Branch on 14.9.13 to give a complain in black and white.Branch Manager was on leave.Personnel ,authorise to receive complain i.e. Mr. Lakara did not receive my complain rahther he refered me to Mr. Jha.Mr Jha after reading the contains of complain asked me to send the complain by post.He did not received the complain rather he misbehaved.At last I send the complain by Speed Post.It is the general attitude of LIC,Sahebganj Branch to harass the customers. So make enquiry into matter and action taken by the authority mus be intimated to me. Yours faithfully, Subhash Chandra Gupta. Policy Nos.-(i[protected],(ii[protected] Dated:21.9.13
                    Aug 14, 2020
                    Complaint marked as Resolved 
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                      [Resolved]

                      Dear Sir, Myself Mr. Mahesh Bhosale, I have taken a Housing Loan from LIC Housing Finance Limited, Kharadi Branch, Pune bearing Loan Account No.[protected]. Currently I am having a Housing Loan of around Rs 2400000/- at the floating Interest of 11%. I have approached the Branch for foreclosure of Housing Loan as I was planning to shift the same loan to SBI / HDFC where interest rates are low but I was told by the Branch Manager Mr. Rajiv that I need to pay a Penalty of 2% as the foreclosure is not from my own source. Recently I have came across the RBI Guideline dated 5th June 2012, bearing reference number RBI/ 2011-12/ 589. DBOD. No. Dir. BC. 107 / 13.03.00/ 2011-12 which says "The Damodaran Committee had observed that foreclosure charges levied by banks on prepayment of home loans were resented upon by home loan borrowers across the board, especially since banks were found to be hesitant in passing on the benefits of lower interest rates to the existing borrowers in a falling interest rate scenario. As such, foreclosure charges are seen as a restrictive practice deterring the borrowers from switching over to cheaper available source. It is felt that the removal of foreclosure charges/prepayment penalty on home loans will lead to a reduction in the discrimination between existing and new borrowers and the competition among banks will result in finer pricing of home loans with the floating rate. Though many banks have, in the recent past, voluntarily abolished the pre-payment penalties on their floating rate home loans, there is a need for ensuring uniformity across the banking system in this regard. Accordingly, it is proposed". Request you to help me in either reducing the interest rates or shift the Loan to other bank with paying this foreclosure amount of Rs. 50000/- approx. Warm Regards Mahesh Bhosale [protected]
                      Aug 14, 2020
                      Complaint marked as Resolved 
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