I HAD TAKEN POLICY NO.12741674 FROM HDFC LIFE IN 2009 WHICH HAD A TENURE OF 10 YEARS AND PREMIUM OF RS.2 LAKHS PER ANNUM. I HAVE ALREADY PAID 4 PREMIUMS UNTIL MARCH 2012 AND THE 5TH PREMIUM DUE IN MARCH 2013. I HAD ANOTHER POLICY FROM HDFC LIFE WHICH I HAD TO STOP BECAUSE OF CHEATING, I HAD PAID RS. 1,60,000 IN TWO YEARS AND AFTER TWO YEARS MY DEPOSITS WITH INTEREST STANDS TO RS.1,42,000. DUE TO THIS, I HAVE REVIEWED MY CURRENT SAP POLICY NO. 12741674 AND I FOUND THAT HDFCLIFE IS CHEATING WITH ME IN THIS CASE ALSO. I CHECKED WITH HDFCLIFE TO CONFIRM TO MY MY MATURITY AMOUNT, BUT I HAVE NOT RECEIVED ANY SATISFACTORY REPLY. IF I PAY RS. 20 LAKHS IN 10 YEARS MY PRINCIPAL AMOUNT STANDS REDUCED TO RS. 16.84 LAKHS. NO ONE TELLS ME WHAT HAPPENED TO THE BALANCE 3.16 LAKHS. UNSATISFIED, I ASKED FOR SURRENDER VALUE OF THE POLICY. I WAS SURPRISED TO RECEIVE SURRENDER VALUE OF RS.5,07,198. THIS IS A CHEATING IN REAL TERMS. AGAINST MY PAYMENT OF RS. 8 LAKHS PLUS APPROX 2 LAKHS OF INTEREST (TOTAL 10 LAKHS), I HAVE BEEN OFFERED A SURRENDER VALUE OF RS. 5 LAKHS ONLY I WANT TO KNOW WHAT HAPPENED TO MY PRINCIPAL AMOUNT AND INTEREST. I INVESTED FUNDS FOR GROWTH, I HAD NOT INVESTED IN SHARE MARKET NOR HAVE I GAMBLED WITH MY MONEY SO THAT MY MONEY WILL BE REDUCED. HOW CAN HDFC LIFE CHEAT ITS CLIENTS. I WOULD REQEUST FOR JUSTICE FOR ME. I WOULD LIKE TO KNOW WHY SUCH INSTITUTIONS ARE PERMITTED TO ISSUE SUCH POLICIES WHERE CUSTOMER IS CHEATED AND INSTITUTIONS MAKE BUMPER PROFITS. WHEN THEY SELL POLICY, THEY PROMISE SKY HIGH BENEFITS, BUT GROUND REALITY IS TOTALLY DIFFERENT. I WANT JUSTICE IN MY CASE. I WANT MY MONEY INVESTED BACK TO ME WITH APPLICABLE BANK INTEREST. THANKS N REGARDS NARAIN TULSIANI

Regards
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