Life Insurance Corporation of India [LIC] Complaints & Reviews

Policy no.[protected], plan-122, i was getting regularly upto 01/11/2013 ecs/tplic annuity @rs.892.00 per month. But after that i have not received annuity amount. Kidly guide what have i to do for continuing it as i am alive. Amount was credited in bank of baroda a/c no. [protected], ifsc code:barbognoida, micr code:[protected]

Dear Sir/Madam, My name is prabhu jagadeesan. I have obtained loan in LIC HFL Anna nagar Branch in November 2012. LOAN ACCOUNT NO:[protected]. Loan amount is 21, 90, 000.Emi is 21, 554 . Currently i am in Foreign country (Ethiopia) and i am not in a position to come in a person to collect provisional statement.When i tried to use website it shows "Email id not Registered" I have sent mail to LIC Anna nagar branch more than three times and i contacted them on phone also, but no one is responding properly. So i request you to mail the provisional statement for the FY[protected] to my registered mail id. Request you to do the needful. Prabhu Jagadeesan

dear sir, I have surrendered my policy no.[protected] which was in the name of shantanu aayush kerketta and i was paid surrendered value but after some months i got letter from lic jamshedpur barnch 1 that i got paid rs.3918/- in excess which i have to returned. presently i am out of station due to nature of my job and coming back in the month of march'14 end that time i will return the said amount at lic jamshedpur branch 1

I have availed LIC policy number[protected]Jeevean Anand) in the month of March-2013. In the initial proposal they (+91 [protected] got a call from this number) offered medical insurance card for 3 members for 50, 000 INR/ Annual premium. After availing the policy I never got updated about the insurance card, So I raised a compliant no.: [protected] in the month of May and got the reply, “we send premium paid statment to your adress, we have informed concerned development officer .the policy taken is plan 149, it is not mediclaim policy, no insurance card will be issued for that policy”. The concerned LIC officer (Named : Mr. S.Joseph antony raj. Mob no. +91 [protected]) who already collected the original documents and the initial payment (cheque) called me and informed that, “ medical insurance card in on process and you will receive the same within a month”. But I never received the Medical insurance card still now. I did ‘N’ number of follow ups, each time he replied due to some internal problem the process is delay and you will get it soon. After some time I had a verification call for the medical card from + 91 [protected] (In the month of Oct.) but still I didn’t get the insurance card with several followups. Kindly do the needful to close the policy since the benefits are not received on time. Request you to take appropriate action to close the policy without any deduction that means I have to receive the amount what I paid without any deduction.

sir, My policy JEEVAN ASTHA of LIC INDIA, policy no.[protected] matured on 24/12/2013 . Policy Bond along with dully filled maturity form and NEFT form submitted in the branch on 25/12/2013 But I have not recd payment of maturity amt till date . Its shows carelessness in payment, the maturity amt is approx 36350.00, . Please do needful as I am losing interest of maturity amt . day by day due to delay in payment. yours Sandeep Bhatnagar branch- LIC OF INDIA, 29E, DEORIA, UP PIN 274001

Dear Sir / Mam, My name is Shivakumar S Kanavi. My LICHFL Loan account number is[protected]. My Customer ID is 18442752. Loan Saction date : 26th June 2012. Loan Amount : 29, 30, 000. Initially when i had taken loan in June 2012, the ROI was 10.4% and I had opted for Floating scheme as suggested by LICHFL person Mr. Jagadish and Mr. Gopi from Jayanagar, Bangalore Branch. It was mentioned to me that this ROI will remain same till 3 months and then update as per RBI status. Suddenly after 3 months, my ROI went to 12 %. I was shocked because when i checked with my friend, their ROI was increased to only 0.2 to 0.3 % who had taken loan at the same time, but from different LICHFL branch. I waited for some more months so that it it come down, but it didn't turned down. So, i visited the Jayanagar branch to check what is happening, there no one was responding properly and inspite they tried to confuse me by giving some or the other reasons, like go and check in NAVI websites, etc...I asked them to show me that how they calculate the ROI and where is the record of change in ROI which they have refered to change my Interest rates, but no one helped me out. Even I was not intimated about the EMI amount to be deducted as I has chosen TRANCH EMI scheme. I am also really frustrated by calling these guys to just come and collect the Demand Letter from the Builder. Nobody will pick the call. Even when we have paid the service charges, processing charges, etc no one is there to take care now. So, I want know the each and every detail of the ROI what the LICHFL has added to my account for every month and how it has been calculated for every month from June 2012 till now Jan 2014. And I just want to know from past 1.4 Years why my ROI is 12% with proof. I want the compensation amount with interest for whatever the LICHFL has wrongly charged to my account and what I have paid extra to LICHFL. Thanks & Regards, Shivakumar S Kanavi [protected]

I paid Rs. 592 in the month of November (As usual the computers were not working and i got hand written receipt on LICHFL receipt pad) to get list of documents that you procure against my housing loan A/c. After 2 months, i did many follow-up(In-person and on email) but there is no response from LICHFL side. Request to provide list of documents that you procure against my housing loan A/c. Loan Account No:[protected] If you are not doing any action, i have last but effective may to go by RTI. Thanks Mandeep Singh

I am govt employee. and i was making decision of take loan from LICHFL. As many private firms are also giving sanction loan to a govt. employee very easily and cheques issued without any trouble. but instead of that I approach LICHFL Office at Sector-22 chandigarh. Firstly, Company agent ( Bhupinder Singh) gave false statemnts to me and signed the Documents neceesary for loan sanction.
After loan has been sactioned, First Cheque issued, after 20-25 days submitting all the necessary documents.(they told me 7-10 days after documents submission). When i ask for reason, Staff ( Ms. Mandeep Kaur) said its only because verification of documents took time and second cheque will be issued in 7 days or early.
Second cheque issued again after 15-20 days. Staff ( Ms. Mandeep Kaur) said valuer took time to reach us. I here want to mention I gave call to her just after our completion of roof. but instead Staff ( Ms. Mandeep Kaur) issue cheque less amount claiming your roof is not completed our valuer told us.
Third & Fourth Cheque issued again after 10-15 days.
I here want to mention that the behavior of whole staff is not very friendly especially ( Ms. Mandeep Kaur). They dont know how to treat the customer. One inside staff member told me you are harrased because you have not donate fees to the staff members.
I just want to suggest all from my personal experince, NEVER EVER CHOOSE LICHFL Office at Sector-22 chandigarh for loan.

To, THE ASST. SECRETARY (IPP CELL) L I C OF INDIA, IPPCELL WESTERN ZONAL OFFICE, YOGAKHEMA, GR. FLOOR WEST WING, J .B. MARG, NARIMAN POINT, MUMBAI: 400021. FROM, RUSHIKESH JAYANTILAL BHATT 11, SHARANAM’50, JAGABHAI PARK, L.G.CORNER, RAMBAUG, MANINAGAR, AHMEDABAD: 380008. Sub: Non payment of monthly due since Dec./2013 Ref: to your letter IPP/Mumbai ZO/E-CERTIFICATE/Nov 2013/021249 Policy No :[protected] Dear Sir, The above ref. letter I have received on date 21/12/3013, I did completed the form details and dispatched under registered post of date 23/12/2013.I did check up the same, it has been received by yours and entry has been made in your records. This I have checked in your branch office at Maninagar. How ever it is not under stood why the monthly installment of Rs.2000/- withheld since Dec/2013.The amount due to me is Rs.4000/-(Dec & Jan) till date 07/01/2014 not credited to my Bank Baroda A/C. Please take necessary action and instruct staff concerned for making payment and advice. Thanking you in anticipation for early settlement of the case. Thanks you, Yours faithfully, (Rushikesh J. Bhattt )

Dated: 06.01.2014 Policy No.[protected] Date of Commencing 28.11.1998 My policy maturity claim in the month of November, 2013 till date i have not received maturity claim and i have submitted all the documents in the branch office sarla [protected]

Dear and respected sir, This is for reduction of EMI against my loan 30 lakh only (not 33 lakhs) amount and 10 years period (i.e EMI of Rs. 40, 068 only per Month ) Herewith I am assuring that the property is completed and ready to occupy in all respects. Since I am working at Pune I am unable to attend before you in person . I am sending you the scanned copy of the letter of completion of my property, for your king consideration please . Please do the needful sir.( Change my earlier loan request from 33 lakhs to 30 lakhs only, accordingly correct my EMI to 40, 068 / Month please for 10 years please ) Awaiting your immediate help sir Thanking you, Yours faithfully, Singaluri maruthee prasad [protected]

I have submitted the form for transfer of my LIC return in my account directly at 12B Branch of LIC near Jasola apollo hospital. The return was expected to be transmit by 28-Dec-2013. But it is still not transfered. I contacted customer care where i got to know that my details yet not submitted by the branch. I dont know what is the reason and no communication is made to me by mobile number or email. Why technology is not used by LIC people while they call or email. Why no intimation is given to me so that i could be updated with reason of not submitting my form. Even they have not given any acknowledgement that they have accepted the online transfer of return form. What is the way of working in LIC. I am customer of LIC since more than 10 years, but i have not seen any improvement in process of LIC while other policy companies are so quick in repsonse and such kind of activities. Take an e.g. of TATA AIA. My details are as follows:- Ajay form submitted at - LIC branch 12B, at Jasola, near apollo hospital LIC branch is also the same. My Mobile No. - [protected]

Dear Sir/Madam,

This is to inform you that, Iam Navaneethan.D and Iam working for LIC as a Development Officer In Tamil Nadu Chennai. While Iam Paying Fee for my Agents on November 25th as a Batch for Six agents my internet payment got unsuccessful Transactions and it got debited once and it not yet got credited back to my account. Then after few minutes i made another payment and it got successful. But the payment made for the first time it not credited back to my account, Its almost one month passed. Already i have contacted the SBI Home branch and they clearly said that transactions had got failed from the NSE IT side. Iam clear that no money has been credited from my banks side and so i request you to credit back my money to my account.


I have enclosed my bank statement for the last two months u can verify that also.

My Informations are given below...


Paid Exam Batch Id No. LIC[protected]
Agent Names are :: S.Prem Kumar, A.Vinoth kumar, A. Jayshree, V.Suresh Kumar, D. Rani, S.Gnanasundari.

The Failed Transaction Number is IGO2419531 FOR RS.2116.85/-(UNSUCCESSFUL PAYMENT AND NOT CREDIT BACK TRANSACTION NUMBER)

and within few minutes i made successful payments for Rs. 2116.85/- and that successful transactions number is IGO2428041.(SUCCESSFUL PAYMENT)

I Request you to credit my money for the failed transactions number is IGO2419531 AND THE AMOUNT IS Rs.2116.85/-.

My Name : D, Navaneethan
My Account nUmber is [protected]
Branch ::SBI Tirunelveli Branch Tamil nadu.
IFSC CODE:::: SBIN0000932
My Mobile number ::[protected] and [protected] and mail id is ::[protected]@rediffmail.com

As i spoke to custome care of NSE IT exam centre mumbai and they guided me to send all the payment details to NSE IT Email id and i have also sent my complete details.


Over one month has gone till now i didn't get any proper response. i dont know what is happening over their.???

Thanking You,
d.navaneethan..

Sir, I would like to inform you that after payment of my policy premium of my LIC Policy No.[protected] on 23/12/2013 vide transaction No. PR[protected], I have not received my payment receipt on my e-mail address [protected]@rediffmail.com. I therefore requested to sent the same at an earliest due to submission in Income tax purposes. Thanking You. swagota Paul

Sir,

Respectfully, it is submitted that I have deposited the lum sum amount amounting to Rs. 368000/- (Rupees Three Lacs Sixty Eight Thousand only) against my Built House Loan Account No. [protected] as per detail given below:-

1. PIS Dt. 9/7/2013 Rs. 124000/-

2. PIS Dt. 10/7/2013 Rs. 84000/-

3. PIS Dt. 10/7/2013 Rs. 100000/-

4. PIS Dt. 12/7/2013 Rs, 60000/-

Total Rs. 368000/-

The photo Copies of the above noted PIS’s are enclosed herewith for ready reference.

I visited the office of L.I.C. Finance, Patiala on 5/11/2013 to collect my loan account statement. I scrutinized my loan account statement and found that Rs. 3, 68, 000/- has not been reduced the Principal Amount from my loan account till 5/11/2013 whereas the amount already stands in the books of L.I.C. Finance Agency. I requested to the concerned authority at L.I.C. Finance, Chandigarh and explained the whole position. They adjusted the said amount on 6.11.2013 instead of actual date of deposited the amount. I again requested them for properly adjustment, but the same has not been rectify the error. In this way I goes in loss @ 11.9% of loan Interest.

It is further stated that above amount was drawn from my provident fund from my department and deposited with your agency through your authorised bank. I also loose my G.P. Fund interest @ 9% from my department. Thus I loose my interest on my Provident Fund as well as my loan account. Such I affected double loss.

It is therefore, requested that Rs. 3, 68, 000/- may please be adjusted in my Principal Amount w.e.f. 12/7/2013 (last date of deposit) instead of 6/11/2013 to avoid double loss to me and oblige.



Thanking you

Yours sincerely,





D.A./As above (Krishan Kumar)

Dated:_____________ # 3, Sant Hazara Singh Nagar,

Near Petrol Pump, Sanaur Road,

Patiala-147 001 (Punjab)

(Mobile No.[protected]

I SENT THE RTI APPLICATION ON 12.12.2013 WITH A MANDATORY FEE OF RS.10/- ATTACHING A POSTAL ORDER ALSO, TILL DATE THERE IS NO RESPONSE. WHAT SHOULD I DO PLEASE ADVISE AND ALSO TAKE UP WITH LIC OF INDIA.
HK AGGARWAL
556, SECTOR-54, PHASE-2
MOHALI -160055
[protected]@hotmail.com
mob: [protected]



To
The C.P.I.O,
LIC of India, Central Office,
Yogkhshema, Jeevan Bima Marg,
Mumbai - 400 21.

Sub.: Information under RTI Act 2005 regarding payment o[censored]pgraded pension and removable of DA anomaly. (Under the proviso of Sec 7(1).)

Dear Sir/Madam

You are aware the Hon’ble Supreme Court, inter alia, passed the following orders on 08.08.2013, 19.8.2013, 30.9.2013 & 8.10.2013 while disposing off SLPs filed by LIC against the orders of three High Courts, :

“There shall be no stay of the directions given by the learned single Judge vide order dated 12.01.2010 passed in S.B.CWP No.6676 of 1998 and connected matter.”(connected matter means CWP No.654 of 2007 regarding upgradation of pension).

Accordingly LIC is under legal obligation to implement Rajasthan High Court orders dated 12.1.2010 passed by the learned single Judge in S.B.CWP No.6676 of 1998 and S.B.CWP No. 654 of 2007, vide which the Hon’ble Judge allowed both the Writs and LIC has been directed to implement LIC’s own Board Resolution No. 492 passed on 24.11.2001 - which provide relief to all the retired employees of LIC (ie. Pensioners) on two long pending demands viz:

(1) Updation of pension consequent upon revision of pay scales of in-service employees from time to time ie. 1997, 2002, 2007 and subsequent revisions as and when take place.

(2) To remove glaring anomaly with regard to payment of DA to pensioners who retired before 1.8.1997 as they are getting 50% neutralization whereas who retired after this date get 100%.

I seek the following information under RTI Act, 2005.

1. Please inform if necessary orders/circulars have been issued by Central Office, Mumbai and sent to ZOs, DOs, BOs for implementation of court orders with regard to payment of revised pension after upgrading on account of periodical grade revisions in 1992, 1997, 2002, 2007, and removing DA anomaly as per Rajasthan High Court, Jaipur orders dated 12.1.2010 and arrears with interest of 12% from the date of retirement as per Pb & Haryana High Court orders dated 09.11.2012, and Delhi High Court vide their order dated 30.1.2013 added “……………….that concededly the law declared by the Jaipur Bench of the Rajasthan High Court has to be applied in rem”.

2. In case answer to (1) above is yes, please send me a copy of such orders/circulars.

3. In case the answer to (1) above is No, please inform the reasons under Section 4 (1)d of RTI Act 2005.

Please note that with the publication of High Courts Orders on the web sites, and the fact that there is no stay by the Supreme Court this matter is no more sub-judice, and thus has become public and applicable.

Since information sought for concerns to my life, the same be provided within a period of 48 hours of the receipt of this request, as per the proviso of Section 7 (1) of the RTI Act 2005.. Payment of pension is directly related to my life.
A postal order No. _____________ for Rs. 10/- is attached herewith as processing fee.



Thank you
Dated:12.12.2013

Signature
Name: HK AGGARWAL
556, SECTOR-54, PHASE-2
MOHALI -160055
[protected]@hotmail.com
mob: [protected]
Retd.__DM- LIC
S.R. No. 170191

I have a money back police No[protected] taken on 28.03.1994.I forget the survival benefit date for my policy and I am not receiving the same for few years.Earlier survival benefit date was being mentioned on premium receipt slip. But now it is not being mentioned.So please tell me the same and also suggest how to get it as I am service personnel and not residing at the policy address.

My name is Dinesh Shinde. I have taken housing loan from LIC HFL. Agent Name: Nagesh Shewale I have submitted disbursement document on 25th Nov 2013. After 13 days I was told that I need to submit some cheque of 562Rs if I want to avail the disbursement. I submitted the DD of the same. Still I did not receive the disbursement. I am not sure what is the exact issue. My agent is also not able to help me for this concern. I contacted cheque disbursement department person Ajit. He is not providing me the proper information and I am still not sure when the disbursment will be availed. Very pathetic experience with LIC and I am very disturbed because of there service and kind of irresponsible replies.

Dear Sir,

With reference to above subject I wish to change premium mode from Quarterly to Monthly ECS for below mentioned three Life Insurance Policies.

I have given change mode application at 83P Odhav Branch (Ahmedabad) as on 10th Dec’ 2013 but in response branch informed with one policy number only & in single line that “Monthly ECS will not be possible for given policies.” This was informed via speed post.

In this regard as par rule I request to change mode of payment from Quarterly to monthly ECS for below given three policies.

Policy Numbers for which mode of Payment need to change:

[protected]
[protected]
[protected]

I look forward for your kind cooperation & prompt response. Please feel free to contact me on below given contact no for any clarification required so as to complete request in faster.

I have also send mail (mail ID:sdm.[protected]@licindia.com) yesterday, still I have not received any update of my complaint.

Thanks in Advance
Nitin Thakkar
(Mob : [protected])

I had filled form of Jeevan Arogya Policy of LIC in month of July 2013 and paid premium in advance to LIC but still today I have not received policy documents from LIC. Number of times I have taken foollow up with LIC agent and communicated to LIC Head office, Branch office through email but I did not get any response from them. I am seeking for help. Please do needful in this regard. Following are email which I sent to LIC about getting policy documents.Please read from last email. 1) From: Nandwalkar, Manoj Sent: Tuesday, December 17, 2013 9:39 AM To: 'bo_716'; 'sdm.thane'; '934, KALYAN - 1, THA' Cc: '[protected]@licindia.com'; '[protected]@licindia.com'; MANOJ.[protected]@gmail.com; '[protected]@consumerforum.com' Subject: RE: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-2 Dear Sir/Madam, Any progress on following issue? Waiting for your positive reply. Best regards, Manoj Nandwalkar [protected] 2) From: Nandwalkar, Manoj Sent: Friday, December 13, 2013 4:06 PM To: 'bo_716'; sdm.thane; 934, KALYAN - 1, THA Cc: '[protected]@licindia.com'; '[protected]@licindia.com'; MANOJ.[protected]@gmail.com; '[protected]@consumerforum.com' Subject: RE: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-2 Respected Sir/ Madam, Today I spoke with Ms.Farzana madam (N.B. dept LIC, Karnik Road branch) regarding following issue, she said it is pending from Divisional office. No information have been received from div office. She was saying this policy has been closed recently. If this was the case then why Agent/LIC collected my cheques? Why you kept me in dark? Please suggest to whom shall I contact? Please refund my Rs.8956 which I paid for this policy(refer attached my bank statement from which cheque nos- 36 & 37 have been deposited to LIC). I want to cancel this policy as I am not getting any proper feedback from LIC.My bank accounts details are given attachments and please deposit my money in the same. Also send acknowledgement for the same. Please treat this as my application for money refund. Very poor response from LIC in this regard. I am not satisfied with LIC which is supposed to be customer oriented. Best regards, Manoj Nandwalkar [protected] -----Original Message----- 3) From: bo_716 [mailto:bo.[protected]@licindia.com] Sent: Friday, December 13, 2013 10:39 AM To: sdm.thane; 934, KALYAN - 1, THA Cc: Nandwalkar, Manoj Subject: RE: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-2 DEAR SIR, WE FORWARD ABOVE MAIL FOR DOING NEEDFUL AT YOUR END. THANKING YOU, YOURS FAITHFULLY, BRANCH MANAGER. ________________________________________ 4) From: Manoj.[protected]@akersolutions.com [Manoj.[protected]@akersolutions.com] Sent: Thursday, December 12, 2013 2:05 PM To: '[protected]@licindia.com'; '[protected]@licindia.com'; '[protected]@licindia.com' Cc: MANOJ.[protected]@gmail.com; '[protected]@consumerforum.com' Subject: FW: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-2 REMINDER-2 Best regards, Manoj Nandwalkar [protected] 5) From: Nandwalkar, Manoj Sent: Wednesday, December 11, 2013 11:45 AM To: '[protected]@licindia.com'; '[protected]@licindia.com'; '[protected]@licindia.com' Cc: MANOJ.[protected]@gmail.com; '[protected]@consumerforum.com' Subject: FW: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY-REMINDER-1 Respected Sir/ Madam, This has reference to my trailing mail, it seems that no positive action from your side on following issue. An agent Mr. Manoj Kardekar had given wrong policy no for passing the time.Still I am not getting my policy no/documents which I am regularly taking follow from agent. He simply raise his hand by saying LIC is responsible for this delay. I do not understand what to do? I have already paid Rs. 8956 to LIC through cheque. I am giving policy details as follows Policy Name- Jeevan Aarogya Date of Birth – 08/11/1981 Documents submitted- in July 2013 Branch Name- Karnik Road, Kalyan(w)-421301 Agent Name- Manoj Kardekar Agent Code No[protected] Agent Mob. No- [protected] If you cannot help me in this issue, please let me know. Then I will do necessary action. Best regards, Manoj Nandwalkar [protected] 6) From: Nandwalkar, Manoj Sent: Wednesday, November 27, 2013 12:55 PM To: '[protected]@licindia.com'; '[protected]@licindia.com'; '[protected]@licindia.com'; '[protected]@licindia.com' Cc: MANOJ.[protected]@gmail.com<mailto:MANOJ.[protected]@gmail.com>; '[protected]@consumerforum.com' Subject: JEEVAN AROGYA POLICY NO[protected]: AREA- KALYAN(W): NOT GETTING POLICY DOCUMENTS STILL TODAY Respected Sir/ Madam, I have submitted all documents Half yearly fee for LIC Jeevan Arogya Policy No[protected] to LIC agent MR. Manoj Kardikar(Kalyan-west). Actual process had started from July-2013 but still today I have not received policy documents. Whenever I ask to agent, he simply says there is paper shortage in LIC for this policy. Today 5 months have been completed but still I am waiting for policy documents. I know that LIC is customer oriented organisation but after getting such response I have doubt about working of LIC. So I request you look into this matter urgently and issue my policy documents at earliest. Hoping for your positive reply. Best regards, Manoj Nandwalkar Policy Name : Jeevan Arogya Policy No[protected] Mob No-[protected] This e-mail and any attachment are confidential and may be privileged or otherwise protected from disclosure. It is solely intended for the person(s) named above. If you are not the intended recipient, any reading, use, disclosure, copying or distribution of all or parts of this e-mail or associated attachments is strictly prohibited. If you are not an intended recipient, please notify the sender immediately by replying to this message or by telephone and delete this e-mail and any attachments permanently from your system. "The information contained in this electronic message and any attachments to this message are intended for exclusive use of the addressee(s) and may contain confidential or privileged information. If you are not the intended recipient, please notify the sender at LIC OF INDIA or [protected]@licindia.com immediately and destroy all copies of this message and any attachments. The views expressed in this E-mail message / Attachments, are those of the individual sender."