Life Insurance Corporation of India [LIC] Complaints & Reviews

I had registered the following policies of my family members in SBI net banking site(Sb A/c No[protected]): as soon as the first premiums were paid. But those requests are not yet approved by LIC till date. So we had to pay the premium with much late fee. Policy No:[protected] Rama Thiyagarajakumar -Premium Rs.5, 135 [protected] - Rama Luckshmanan _ 3, 598 [protected] Rama Luckshmanan - 10, 825 [protected] - Rama Luckshmanan - 17, 988

Hello Sir, This mail is regarding the inappropriate behavior by the agent Mr Amit posted at LIC Housing branch at Gurgaon sec 31, who was dealing with our loan[protected] amounting Rs 2000000 in the name of my wife Lt Cdr Gurpreet Kaur . Because of some unknown reason the ECS has not been started and we therefore incurred a penalty for late payment. on being asked for help, blatantly refused and started speaking absurd. This behavior is not at all accepted from the organisation on which we have entrusted our faith and is a government organisation. I am sure if he had been in private firm he would not have dared to do such deed. I therefore request you to kindly look into the matter and change our service rep who is more matured and hard working so to have unhindered collaboration in future. Awaiting positive results regards Lt Cdr Varun Agarwal [protected]

Dear sir / Madam, I beg to stat that I, Biswajit Roy is a policy holder of LIC at Kalyani Branch. This policy holder name was Mr.Biswajit Roy & policy no is[protected]. This Grievance registration no is DARPG/E/2015/07162 and IDRAI token no is[protected] and complaint Ref [protected]. I inform you sir that now I have received 13, 383 rupees but I sent complaint to the crm department & IRDA but Kalyani SBM (Mr. R.K.Mondal) and Kolkata Divisional Officer(R.K.Mittal) and Departmental Officer in LIC at kolkata did not cooperate to me. I went to the LIC office at kalyani branch on 28/06/2015 & I submitted to the hands of SBM(Mr.R.K.MONDAL) my bank detail with attach NEFT form. On that day I asked SBM(Mr.RKMondal) that Who took my 10, 000 rupees and what action you have taken against him but SBM sir don't talk me. He said me that You have claim for 10, 000 rupees. This is our duty to return the money but That man took my money. & this matter is our internal .You may go now. I would like to say SBM sir that This is an criminal offence.That's why I am not satisfy. I wanted to know that he said that about 10, 000 rupees transaction involving cheque, what action you have taken against him & Bank? I didn't get any respond from kolkata Departmental level and Kalyani Branch. So I requested you sir that you investigate.and also I wanted to know that what are you doing? If you are working then what step do you? I want to see the official copy and This offical copy wiil be sent to my home. If you do not work on my complaint then I will satisfy that LIC do not wok Declare Biswajit Roy contact no: [protected]

Dear Sir/Madam, Please find Details of my LIC Loan account. Application no. [protected] Loan No:[protected] My loan was started about one and half year back since I am requesting to LIC agent for ECS when I was in indore, everytime he promised me but never do the same, one time he said to me now your form is submitted and now your EMI is deducting by ECS not by checqe, but again after sometime I came to know that still my ECS is not activated.When I was shifted from indore to Visakhapatnam I request him so much for started my ECS because after that it will not be possible for providing cheque. Even my wife went to your(LIC Husing) indore office and request them for this, they misbehaved with her and didn't provide her proper information. Now I m continuously depositing EMI amount in my related bank account but my EMI is not deducting from last couple of Months. Still I m requesting them but they are not paying attention to me I am very much under depression due to all of this.Please do needful.

Ref.: 1) My file no. [protected] & Loan A/c no.[protected] of FY 2011-12 2)My request letter dated 12/06/2015 given to Jamdhedpur office. Dear Sir/Madam, Referred said above your jamshedpur office did not reply me . when I approached and discussed with them, they replied to contact and lodge the complaint with it's head office on customer portal.I have noted the following for your kind consideration & needful please- 1.Till time i did not get any message (SMS or Mail) as information / confirmation of my EMI payment & for change of interest rate as an alert however my mob. no. [protected] is recorded and registered with your Jamshedpur Office. 2.when concerned person of your jamshedpur office helped / guided me to complete the application form for housing loan I had selected a period of 3 years for fixed rate of interest ( However there were options for 3 years, 5 yrs and 10yrs fixed ROI), assuming and trusting the floating ROI will / should go down form existing ROI (10.70%) and this assumption was as per advice/guidance of your concerned officer .As per advice of your concerned officer i opted for 3 yrs fixed interest so as to get a benefit of expected lower ROI after 3 yrs. Otherwise in case of probability of floating ROI higher than fixed ROI I would have or any layman would have opted for 10 yrs. or 5 yrs fixed ROI, since it is beneficial and in favor of customer, if floating ROI normally goes up . This way Jamshedpur office of Lic housing finance has misguided me & did not give me right informations while applying for housing loan, due to which my ROI has gone up by 1.3 % after 3 yrs & I am encuring a major loss. No doubt your jamshedpur office is responsible for the same. So considering my past record (track) of timely payment & as I have been misguided resulting in a major losser, my said case must be considered for ROI 9.9% (as prevailing ROI) or maximum 10.7% which was applicable in my case. I request you to do the needful & please confirm / justify at the earliest. Thanking you & regards, Manoj kumar mob no. [protected] mail Id - [protected]@gmail.com User name - Kanchana kumari

My name is Sunil Rai. I have taken home laon from LICHFL since 2.5 years. My loan number is[protected]. My home branch is Kausambi ghaziabad. I have applied for list of documents on 17 May 2015. Today is 19 June 2015 but they didnt issue list of documents. I visited 6 to 7 times at branch. But no positive response fron thier site. SO what will I do now.

Dear Sir, This is bringing to your notice, RBI reduced lending rate two times but it has been observed that LIC HSG finance never did the same. For my case you had increased rate of interest when RBI increased the lending rate. The same rules should be followed when lending rate have been reduced., could you provide the reason for that, my details are as follow. Name: Abhijit Mondal Customer ID : 18298961 LOAN Number:[protected] ROI: 10.90%...

I am here to inform you that myself MIR ASFARUL HAQUE having home loan a/c. no.[protected] at area office Kolkata North. I have applied request for List Of Document on 16/05/2015 same has been attached herewith. On 28/05/2015 I have received list of document which is incomplete (exclude Possession Letter, 2 nos money receipt, Original deed of conveyance etc.). I have noticed & same conveyed to branch accountant Mr. Amit Kumar. After long time conversation he has given date 16/06/2015 as LICHFL rule is to give document within 30 days. I have followed up several times at area office manager as well as regional office mr. Pankaj kumar pandey but till today problem could not solved from LIC Housing Finance side. Today again I visited area office & meet manager mr. Sumon mitra & asked him to give tentative date of getting the complete List of document but he is not willing to give any date in written only verbally he promise he will solve the issue as soon as possible. Today I have given an application he has received & confirm that the issue will be looked into on most urgent basis to resolve the same with signature & seal. I also here to inform you that I have processed takeover of this loan and am in charge from both the institutions. I am ready with outstanding amount 18, 12, 031.00 as on 30th june from 5th of june 2015 but due your problem I am unable to close your loan & has to pay interest . You have to bear this interest from 5th june 2015 as because this is your fault. As it is due more than one month I can only wait for 1-2 days for your upmost reply if not so I will escalate this matter to RBI and also consumer forum. Your valuable reply with date of receiving LOD is very helpful to me. I have received worst conversation from their agent Mrs. Rama Brambha that she told me as they have original register agreement so what need of deed of conveyance after that she use dangerous word that there was no proof that she has received document from builder at the time of final amount disbursement.

Respected Sir/Madam, I am here to inform you that myself MIR ASFARUL HAQUE having home loan a/c. no.[protected] at area office Kolkata North. I have applied request for List Of Document on 16/05/2015 same has been attached herewith. On 28/05/2015 I have received list of document which is incomplete (exclude Possession Letter, 2 nos money receipt, Original deed of conveyance etc.). I have noticed & same conveyed to branch accountant Mr. Amit Kumar. After long time conversation he has given date 16/06/2015 as LICHFL rule is to give document within 30 days. I have followed up several times at area office manager as well as regional office mr. Pankaj kumar pandey but till today problem could not solved from LIC Housing Finance side. Today again I visited area office & meet manager mr. Sumon mitra & asked him to give tentative date of getting the complete List of document but he is not willing to give any date in written only verbally he promise he will solve the issue as soon as possible. Today I have given an application he has received & confirm that the issue will be looked into on most urgent basis to resolve the same with signature & seal. I also here to inform you that I have processed takeover of this loan and am in charge from both the institutions. I am ready with outstanding amount 18, 12, 031.00 as on 30th june from 5th of june 2015 but due your problem I am unable to close your loan & has to pay interest . You have to bear this interest from 5th june 2015 as because this is your fault. As it is due more than one month I can only wait for 1-2 days for your upmost reply if not so I will escalate this matter to RBI and also consumer forum. Your valuable reply with date of receiving LOD is very helpful to me. I have received worst conversation from their agent Mrs. Rama Brambha that she told me as they have original register agreement so what need of deed of conveyance after that she use dangerous word that there was no proof that she has received document from builder at the time of final amount disbursement.

Kindly arrange to provide me annual statement of premium paid by me during the current year 2014-15. This is required for submission of my Income Tax return. My 04 Policy nos are as follows [protected] [protected] [protected] [protected] please send in my email id Thanking you Stany B Gomes Mumbai

Dated: 16.01.2015 To, The Branch Manager, Life Insurance Corporation of India Sub: Not Received Bond Paper Dear Sir, Let me know about my policy bearing No.[protected], branch:38G, T.R.N. :57441, had been enrolled in the month of 28.01.2015, Time:16:35 but till date, I have not received Bond paper against my policy. It is going to be complete five months . I have received only receipt against my policy. May kindly look into the matter and take needful action for the same. I have several times contacted with LIC Advisor but there is no reply from the other end. So that, please be trace out the actual condition of the policy and take action on the person who is associated with this policy, and send me details about the region of non- dispatch of the LIC Bond paper in respect of the above cited matter. It is requested to you that about my policy Bond paper may please be dispatched to my permanent address which is given below: HITESH KUMAR DEWANGAN S/O SHRI B.R.DEWANGAN ADD.:NEAR POLICE STATION KACHHARI PARA, GUNDERDEHI POST & TAHSIL : GUNDERDEHI DIST : BALOD, PIN :491223 May please kindly look into the matter and take needful action for the same above said matter. In any query in this regard, may please contact on my cell no. that is given in my application form when my policy is enrolled. MO. NO. [protected] Email : hitesh.[protected]@gmail.com

My Annuity Policy No 091M[protected] Annuity name Virendra kumar Lakhiani Date of Vesting[protected] Desccription-Annuity with return of capital Gross installment Amt Rs 3572.00 p.m. credited to my hdfc bank acct [protected] problem- i am not getting pension since past one year v k lakhiani virendra.[protected]@yahoo.com [protected]

My login for entering the housing loan portal is locked and am not able to generate the provisional certificate for my current financial year. I have been navigated to Head office of LIC and my email id was updated with the portal. Even now am not able to recover the user credentials with my registered email id. Please let me know what or where else to proceed with this. Please help

Dear Sir/M'am, This is to bring into your information that I (Rohit Ghosh) have closed my LIC HFL Home Loan Account(A/C[protected] in the month May-2015 of by depositing two cheques -Rs 1930061.79 and another chq of Rs 6830/. On 10th June 2015, Again through ECS amount of Rs 20652/automatically got deducted from bank account in favour of LIC HFL. when I went to Raipur LIC HFL office its been told that Cheque of Rs 6830/ got bounced due to signature mismatch and my Home loan account got re opened .I have not got any intimation from LIC HFL that my chq got bounced and my account is re opened and without my knowledge Rs 20652/ got deducted on 10th June . I have met Mr Shukla at LIC HFL -Raipur Pandri office and explained the whole history.Mr Shukla checked My account and told me that again I have to pay Rs 12500/ approx to close my Home loan account. I told LIC HFL Manager- Mr shukla that I will Rs 6830/ instantly (amount of chq which got bounced) and requested him to return my Rs 20652/ which got deducted.He clearly denied that it is not possible and said i need to pay extra Rs 12500/ for closure.Mr Shukla said amount of Rs 19.30lacks was in suspense account therefore it cannot be adjusted. If this is the case then I should get interest for Rs 19.30 lacks which was kept with LIC HFL for more than one month .Howcome LIC HFL has charged me penalty on 19.36 lacs, when chq of Rs 19.30 lacs is already cleared . I request you to kindly look into this matter and refund my amount and close my Home loan account smoothly. Awaiting for your response. Regards, Rohit Ghosh ph -[protected]

I am OM prakash, policy no.[protected], meine june 2015 ki policy ka premimum dt. 4/6/2015 ko submit karwaya tha jiska txn. no. 2432584 hai, aur iska mujhe e- receipt nahi mil paaya hai, so pls jalad se jalad mujhe e- receipt send kare my gmail id pe, my gmail id is [protected]@gmail.com and mobile no. [protected]

I 'Rajesh Verma' had taken a loan from Lucknow Hazaratganj Branch on 30/11/11. I want to get the benefit of Loan reduction scheme but when I have inquired then LICHFL employee gave the information that my Apr. 2015, ECS Cheque bounce. I asked about reason, he said that he has not intimated to my ECS linked account (IDBI) about increase EMI. So I am unable to avail the Loan reduction scheme. [Note : Sufficient Balance was available when ECS cheque bounced]. Kindly do something to get the benefit of Scheme.

Respected Sir/Madam, On regination of my Employment, my super annuation fund was deposited into LIC's Pension and Group Schemes Department in the year 2003 and I was receiving an amount of Rs.1404 deposited in my SBI account till Dec. 2014. From Jan 2015 till date this amount is NOT being deposited. I request you to arrange to find the reason of the same. My Annuity No. 091M[protected]. Annuity name: Alo Banerjee I was receiving this annuity amount from LIC of India, Jeevan Chintamani, Vasantrao Naik Mahamarg, E. E. Highway, P.O.Box No. 464, City- Thane, State- Maharashtra, Pin - 400604 I would appreciate any help on this. Thanks & Regards Alo Banerjee

I closed my loan on 02-May-2015 at LIC Housing Office Kaushambi, Ghaziabad. But regular EMI scheduled on 5th May, 2015 deducted amount Rs. 22922/- from my account. I called many times at LIC Housing Office Kaushambi and finally when I went on 27-May-2015 at LIC Housing, Asif Ali Road, New Delhi to collect my original property paper then I met with concern person and also raised the issue and also filled all the required document to get the refund cheque but yet I did not get the refund amount so far. I am very disappointing with this type of behaviour of LIC officers with their customers. I am still looking for my refund amount cheque. Request you to take the required action as soon as possible. Thanks, Anuj Gupta

I am OM prakash, policy no.[protected], meine june 2015 ki polcy ka premimum dt. 4/6/2015 ko submit karwaya tha jiska txn. no. 2432584 hai, aur iska mujhe receipt nahi mil paaya hai, so pls jalad se jalad mujhe receipt send kare my gmail id pe, my gmail id is [protected]@gmail.com

Life Insurance Corporation of India (LIC) - Lic Fake Calls Its been over 6 month I have been receiving fake calls claiming from people that they are a part of the lic department. today 09/06/2015 at 1:25 to 1:30 PM again i get call .They mentioned that my policy no. LC[protected] of Rs 3, 20, 000 had matured and they need to transfer the funds.so give us your account details. I was surprised because I didn't remember any such policy taken on my father's name.i told him we have no such type of policy if i have such amount then you send it as draft or cheque . The main suspicious thing was that the number that I received the call from +[protected] (my land line no with caller ID)name amit singh he was misbehaving with me .when my father scolded him he cut the call .after few sec he again call back as a bsnl worker name shyamsundar arun he ask us your bsnl connection is working properly or not . i told him is alright then he try to threatened me .he told me you give a application to remove your connection then i told him no its not like that then he told me i am sendin abuldoger to remove your bsnl connection when i ask him about his no he told me its100 i told him its police no then he told me i am police you can't listen properly again i give call to my father and he told me that person was same also no was same and again he scolded him and cut the call. To confirm these calls I actually called the LIC helpline no and they confirmed me that It was a fake call as the LIC department does not call anyone and they directly send letters on the mailing address. Also the amount is directly transferred to your bank account after policy maturity after your legally sign the documents. Please can you take a strict action against these companies for the fraudulent activities as there are many innocent people who could fall prey to these FAKE calls.