IRDA Fraud Calls – Beware of fake phone calls

by Manish Chauhan · 295 comments

There have been too many fake phone calls in the name of IRDA these days to many people. It have been noticed that these IRDA fraud calls are made by anonymous people claiming that they can help you get your money back for your Insurance policies which have become a big headache those those who invested in ULIP’s traditional policies without understanding them and are stuck in those plans now. They know that IRDA is a body which handles them (do they?). At times investors are so fed up with their policies, their life situations and are so desperate to get help that they believe anyone who claims to help them.

So some very smart people starting calling up people claiming they are from IRDA and they can help them in getting back their money back or showing some kind of hope to help them. There are several instances where some people lost more money falling for these calls and believing in them. Lets see some examples of these fraud calls and how investors again believed them without doing their study.

Fraud Case 1 : Deepak lost Rs 25,000

I also Received a call from a number 01206470443 saying that he is from IRDA and I will get a bonus of atleast Rs. 20000- for the insurance policy that I had taken few years back from hdfcsl. However, I had to make an investment of Rs. 25000/- for birla sun life insurance company. but i have no recieved documents of birla sun life insurance company. Any one can tell what I do for my payment back. (link)


It was very obvious that their was a fraud done with him and he had either signed some cheque or given DD to someone without understanding what he was doing. He must be very excited to get back some bonus (which didnt exist). He

Fraud Case 2 : How S Dash lost 51,000

I received a call from a lady named Riya Malhotra who said she was from IRDA. She said that IRDA is helping out investors in getting back their long stuck up policy funds. I had one Bajaj Allianz policy which I wanted to close. She said she will help me do it if I take a new policy from Kotak Mahindra or Birla Sunlife

She said that this is a five year term, we pay one-time 51000 now (no more premium payment till 5 years) and we will get 50% of the 51000 in 45 days and after 5 years we will receive approx 76000. However we will get a life cover till I attain age of 100. Moreover we can also recover any insurance amount which we are unsatisfied with within 45 days also. It’s already more than 50 days since I made the payment of 51000 by cheque but I have not received any communications from her. I try calling her @ her mobile. No answer.
Please suggest what should I do? (link)


Note sure whom did she write the cheque for ? There was no rational on choosing a new policy just to get back the money from old policy, there is no relation between both policies.

Fraud Case 3 : How Vikas Lost Rs 3 lacs

Mere pass call aya ki birla sun life me policy one time karane par ek verna car gift ki ja rhi hai , lekin rupees cash dene hoge maine three lakh rupees de diye lekin aaj ek mhina ho gya na to koi bond paper aaya h na hi mere paise sir plz me kya kru (link)


I have no idea how a person can believe that if you if you buy a policy , you will be gifted a car ! . Thats too guaranteed ! , That too by giving cash ! .. While this was a fraud call , there was some common sense expected too !

Fraud Case 4 : How Sumit lost his money

In last December 2011 I got a call from IRDA (from number 0120-3050600 saying they are from IRDA) saying that your last policy premium will be recovered as we are from IRDA and we will give one regulatory to Birla Sun Life to return your money back but I’ll not get this amount directly to my account. What I need to do is to take a policy from Aegon Religare for the same amount Rs 36000. This policy will be actually for 16 years with 10 years locking period. But Due to IRDA intervention your policy will be for only 3 months locking period. Your first year premium will be paid by amount from Birla Sun Life policy and I need to pay another Rs 36000 as current year premium and I need to pay next year premium and then 4th year I can withdraw the amount which will be around 1.6L due to some calculation. Over and above that they committed that company will pay agent commission to my account which will be 25% of yearly premium. They will bypass agent from my policy.

They were continuously in contact with me till 18th Jan that I’ll get a separate statement. They know that I can cancel the policy within 15 days of receiving the documents so they were contacting me so that I’ll be convinced and cannot cancel the policy. But after 20th Jan they are neither picking my call nor calling me. So they have found a new way by picking weak vain of customer by giving promise that old lapsed policy amount will be recovered as well you will get agent commission. I had taken this policy bcaz of tenure will be 3 years as well as I’ll get agent commission with last policy lapsed amount.

The person whom I was in continuous contact was Anjali Oberai. Her mobile number is OXXXXXXXX and direct landline number is 0120-4396848. I have called many times on these two numbers to her. Before 20th Jan she entertained all my calls but now she is not picking my call. Also same policy benefits were explained to me by Neha Chaturvedi one of senior person of IRDA from Hyderabad. Anjali Oberai represented Neha Chaturvedias senior person from IRDA from Hyderabad and she came to NCR for some time. Many times I had doubt on them but due to greed of recovery of my loosed last policy amount and getting agent commission I was cheated by them. I know it’s completely my fault. But I would like to take in focus of all so that nobody can be cheated. (link)


I can see a clear gap in understanding of how life insurance industry works and too much faith in stranger who called up on the name of IRDA . If the policy was really taken from Aegon religare , it should be checked who was the agent in this whole process and nab him/her.

IRDA has clearly issued a notice saying that there is no initiative from IRDA like this 

Insurance Regulatory and Development Authority (IRDA) is a regulatory body established by an Act of Parliament to protect the interests of the policyholders, to regulate, promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto.

Some instances have been observed by the Authority that general public are receiving calls from individuals who claim to be representatives of IRDA and offering insurance policies of different insurance companies with various benefits (such as offering of scholarship along with policy etc.).

The general public is hereby informed that Insurance Regulatory and Development Authority is a regulatory body which does not involve directly or through any representative in sale of any kind of insurance or financial products. Any person making any kind of ‘transaction with such individuals/agents will be doing the same at their own risk. If any member of the public notices such instances he/she may lodge a police complaint in the local police station.

(Kunnel Prem)
Consultant and Special Officer (Life)

Don’t fall for IRDA Fraud Calls

IRDA is just a regulator for Insurance sector. They do not make any calls acting as mediator between you and company. All they can do is direct a company for some matter or ask them to follow a guideline. But they never work on individual cases and send people to collect money from you. Even if it did , it will never ask for Cash or any kind of cheque on personal names. These kind of calls are purely fraud done by those who know which policies you have (known somehow) and then they just try to see if you can fall for their false promises. Use common sense because making payment to anyone like this, do not pay any attention to these IRDA Fraud Calls.

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{ 295 comments… read them below or add one }

1 Rajnish Bedi May 24, 2012 at 10:45 am

Even I got the same fake call from 01206470443. But fortunately I not get trapped as wisely I take help from IRDA offical website and respective insurance companies. Not able to understand how openly they are doing this fraud and no action against them.


2 Manish Chauhan May 24, 2012 at 5:45 pm


The problem is there is no single person who is doing this who can be nabbed . Once they do it, they shift to new bakra . I think more than this the need of the hour is to teach people who to not fall for traps like these and teach come common sense too :)


3 Jagannadham January 13, 2014 at 5:03 pm

Currently such guys are in contact with me…now if we really want to nab these guys…is there any agency or LIC or IRDA who like to really catch these culprits…can we do something here.


4 Manish Chauhan January 14, 2014 at 12:10 pm

This amounts to a FRUAD actually and you should contact Police on this .


5 vijay garg May 24, 2012 at 10:58 am

Dear Manish..i salute your efforts for investor awareness.. i am a financial advisor in Ambala, Harayana… my few clients also got such type of fraudlent calls in the name of bonus From IRDA.. i suggested them that there is no relevance of such calls..but i was amazed to know that even after my suggestion some people had paid the amount for greed of bonus and gift. so it is common human nature that greed block the minds and insurance companies aur fraudlent companies are taking the advantage of this psychology…i think there is no hard and fast rule to tackle the has to use his or her common sense only…


6 Manish Chauhan May 24, 2012 at 5:47 pm

Obviously .. those people who fell for such offers even after a proper advice , I think they should be mis-sold and its good that they lost some money , its like they are taking all the measures to loose the money , they are doing such a hard work to loose their hard earned money, you cant stop such hard workers to achieve the results !



7 koguty May 24, 2012 at 11:02 am

You did not make this up did you – 3 lac cash pe Verna FREE!!!


8 Manish Chauhan May 24, 2012 at 4:16 pm
9 koguty May 25, 2012 at 11:12 am

Hey Manish, I am not holding anything against you or accusing you. I am an avid reader of this blog – and the most frequently communicated message in this blog (or rather any sensible small-investor-friendly finance blog) is “making money is great, but dont get caught by greed and use common sense – if it is TOO GOOD TO BE TRUE, it probably is”.

It was just a tongue-in-cheek comment about the gullible nature of investors – no wonder these scamsters are having fun.


10 Manish Chauhan May 27, 2012 at 1:15 pm

Yea .. i get your point :)


11 Pramod May 24, 2012 at 11:25 am


I also received such calls so many time two-three month back but I simply asked to submit the details in writing or come and meet me personaly since than I have not received any call not received any details nor any one come to meet me.


12 Manish Chauhan May 24, 2012 at 5:48 pm

They know you are not a valid bakra :)


13 Sinduja May 24, 2012 at 11:32 am

Dear Manish,

Today’s blog post was a DejaVu for me. Last year around October i had got a call from two people claiming to represent ICICI prudential. They had details of my policy (policy number and premium). A prompt clarification reply from company customer care had clarified things .

Am just copy pasting the correspondence.

Hi Sir/Madam,

This is in reference to a call received today claiming to be from ICICI prudential for policy conversion.
I have a policy with ICICI prudential my policy number is 0XXXXX for past
4-5 years Name of the caller MS. Janvi Patel and Branch Manager Mr. Mahesh Patel From Prabhadevi branch in Mumbai.

The call started off as a normal customer service call, they have details of
my policy,& premium amount.

I have been asked to convert my policy from an agent code policy to a direct
company policy. This way i will be paid the commissions due to the agent.

This is bit odd since majority policy commission i think are paid in initial years, and registered agents get commission not customer, and even is there is benefit for the customer it should be added to the policy and not paid in form a cheque.

I have been asked to hand over a color photo, PAN Card, Address Proof, &
cheque of Rs 21000 against this i will receive a chque of around 1 lac.

Request you to check if this is correct. They have refused to send me
anything over e-mail. I don’t believe any this …. but still request you to confirm.
Cell number of the Branch Manager is Mr Mahesh Patil : XXXXXXX
and name of the caller is Ms. Janvi XXXXXXX
Looking forward to your reply.

The prompt reply

Dear Ms. Sinduja Raman,

This is with reference to your LifeTime Pension II (UIN: 1XXXXXXX ) policy “000000”.

With regards to the call which you have received from the person called Mr. Mahesh Patil and Ms. Janvi Patel, We thank you for providing contact details of the persons who called you regarding the policy conversion and those details will help us in investigation.

We regret to inform you that currently ICICI prudential life insurance Ltd do not offer any such policy conversion and hence, we request you to kindly ignore the call which you have received and to maintain the policy details confidential.

We apologize for the inconvenience caused due to this unpleasant incident and we hope this mail will help you resolve your concern.

Please contact us for further clarifications, if any.

Yours Sincerely,

Manager – Customer Service
ICICI Prudential Life Insurance Co. Ltd.
ICICI Prudential has been recognized as India’s Most Customer Responsive Insurance Company for the 3rd time by Avaya Global Connect Awards 2010


14 Manish Chauhan May 24, 2012 at 5:49 pm

Nice .. you took a great action and reconfirmed this . So you are saved . I feel sorry who jump on these kind of calls and just take actions from greed !



15 B.Srinivasan May 25, 2012 at 12:08 pm

Really a very nice article Mr.Manish. I just wonder – when a client provides so much info and details, is it not possible for the companies to initiate any action (since the transaction was not closed, and the mobile no. was also provided) against concerned persons – at least they will not be able to cheat any one in future? srinivasan, Bangalore


16 Manish Chauhan May 26, 2012 at 10:37 pm

The companies are not affected , the person should be reporting this to police , its a fraud case .


17 pankaj kapadia May 24, 2012 at 12:21 pm

All people u mentioned above can be cheated by anybody. He need not be a person calling from IRDA. You give cash without receipt. You believe unbelievable.
Please understand clearly insurance company can not give better than market returns and certainly not gift a car or new policy in return of old policy. Before advise u need a common sense. There are plenty of them speak asia waiting for such greedy investors.


18 Manish Chauhan May 24, 2012 at 5:50 pm

Haha .. very true :) .. they can be cheated by anyone !


19 Sarkari Naukri May 24, 2012 at 12:25 pm

Wonderful research. Really helpful. Don’t just go ahead without any background analysis.


20 Manish Chauhan May 24, 2012 at 5:50 pm

yea .. its very obvious :)


21 KRANTIVIR RAJPUT May 24, 2012 at 12:55 pm

Thank You so very much Manish for this timely articles. Sometimes for unrealistic returns we loose our commonsense and then repent by the time its too late. Really this was a true JAGO-INVESTOR!!! ARTICLE


22 Manish Chauhan May 24, 2012 at 5:51 pm

Thanks a lot for appreciation !


23 Kshitij May 24, 2012 at 2:03 pm

Ohh !!!

Earlier this week I got calls from Indira Finance. They said they are doing service on part of the Firms (ICICI, Bajaj etc), and asked for my policy number – based on which they could tell me details such as premium, insured amount, types of funds my 2 policies have invested in. They also asked for my date of birth and the email id I use for these policies. I did not give my email id, but gave my date of birth.

I’ll confirm from the both the firms(Bajaj and ICICI) whether they have given any such authorization.
Pray its not a fraud.


24 Manish Chauhan May 24, 2012 at 5:54 pm


Dont you think you should have done the “enquiry” before giving your information . Never do it …



25 Kshitij May 26, 2012 at 8:43 pm

Yes, I should have…but I thought what harm would giving the policy number do. They wanted to see the policy document, but I refused….as now I am much more educated (as compared to 5-6 years ago, when I had invested) in regards to making my savings decisions.


26 Manish Chauhan May 26, 2012 at 10:01 pm

Anyways .. you have not given any money as of now .. be careful next time


27 Ranka May 24, 2012 at 2:21 pm

Dear Sir,
I have taken policy of Aviva in 2007 by agent 3 years term and 20 year policy
he inforemed afetr 3 years any you can withdraw your amount.
now i paid 3 years 48000/anum total Rs.144000.00 and stoped for further
But now i received call from companey if wont renew your policy it will lapsed.
I informed the fact. but they not hering. i told cancll the policy
they fund value Rs.138000.00 but if cancle now you will get Rs.90000/-
has per their furmula. This people are cheating the samall investor,
so Please guide me Sir,
Thanking You,


28 Manish Chauhan May 24, 2012 at 5:55 pm

There is no misselling here .. you have mis-bought it ..

Did you read their policy document and exact terms and condition ? You enquire so much when you buy a car or bike or even a small thing . But for policy why not ?

Company is not cheating , they are telling you as per the policy terms and conditions only . Check on their website !



29 Kapil May 24, 2012 at 2:36 pm

I am shocked to read this article. I can;t believe that there are many people around who can be cheated so easily?

I appreciate Manish’s efforts and think that even if one person is saved from cheating, after reading this, the purpose of the article will be fulfilled.


30 Manish Chauhan May 24, 2012 at 5:56 pm

Yea .. even if one person saves his Rs 50,000 money due to this , the article is worth Rs 50,000 :) ..



31 Reema May 24, 2012 at 3:18 pm

I got a call yesterday from someone claiming to be from “Metlife” and the person knew my policy no. etc and he said due to changes in rules by IRDA, name of agent has to be removed from my policy doc and new copy of policy doc will be issued to me. He said he’ll send representative to me house and give him photocopy of first page where agent name is mentioned.
But then, he said a strange thing — prepay your premium of Rs. 20,000 due in July to the rep. in May itself and I will have to pay only Rs. 18,000 but will be given receipt of Rs. 20,000 — so I get benefit of Rs. 2000 for the “inconvenience caused” and for pre-paying.


32 Manish Chauhan May 24, 2012 at 5:57 pm

Hmm.. understand that companies will not do anything like this , atleast nothing wrong in documentation like paying bill of 20,000 even if you pay 18000


33 Reema May 25, 2012 at 4:33 pm

Thanks, Manish, for this very timely article! I just want to publish this mobile no. — 9716964744, from which I got the fraud call once again today!!

MetLife have confirmed my suspicions with their reply pasted below:

Greetings from MetLife!

This is with reference to your e-mail, regarding above mentioned policy number.

We would like to thank you for your feed back in this regards. We would like to inform you that we do not have such offer of providing benefits as stated by the caller to you. Hence we request you to ignore such calls.

Further, basis the details furnished by you, we have forwarded the case for further investigation.

In case you are not satisfied with the resolution provided, you may choose to escalate, to the Grievance Redressal Officer at or write to IRDA at

Sangeetha S
Senior Executive
Grievance Redressal Team

I’m just sad that nothing stricter than “investigation” will be done by MetLife. Can’t such people be reported directly? Maybe you could do another article compiling the info on the fraudsters that you have received?


34 Manish Chauhan May 26, 2012 at 10:20 pm

Metlife is not related to this at all .. some one is just using their name


35 Mithlesh Kumar June 5, 2012 at 1:29 pm

Hi all,

Unfortunately iam a little late reaching this post, 3 days back my wife got call from same number 9716964744 and she paid then 40k (without my knowledge).. :(

Surprisingly that guy (named Vijay Kumar) gave her a receipt & earlier shown her the ID card as well.

also, came to know that someone else also have been cheated for 50k, the very same day!!

Police is doing nothing des[ite of tracing the number and address. dunno what to do… can anyone help me out on this????

I’ll be really thankful to you.



36 Sandeep May 24, 2012 at 3:19 pm

Nice article Manish.
Every people must take care where they are giving the money and whom they. ultimately the money is going from our pocket.


37 Manish Chauhan May 24, 2012 at 5:58 pm

Yea true .. i hope they search about this IRDA fraud and come to this article before they fall for this trap !


38 Ravi May 24, 2012 at 3:22 pm

These cases are becoming large in number these days. Information theft from the companies by employee is one big reason. Sometimes they even get our salary details, insurance numbers, loan amounts which is very disappointing. Information privacy is a big concern in India


39 Manish Chauhan May 24, 2012 at 5:59 pm

Yea .. very true .. some kind of action should be taken on this . Not sure how to stop this !



40 prabee May 24, 2012 at 4:45 pm

What a easy business this fraud is ….people fall very easily when their greed is brought out.
Manish may be a regular article in intervals on this type of fraud will keep the readers(new ones) on their feet. You should also have a page dedicated for this i believe


41 Manish Chauhan May 24, 2012 at 6:02 pm

yea I will keep writing about frauds like these .. I think it works better if we have different articles


42 Suresh K Narula May 24, 2012 at 5:09 pm

Even I got the same fake call from 01206470443. But fortunately I not get trapped as wisely as my father has also alarmed me.


43 Manish Chauhan May 24, 2012 at 6:02 pm

Good to hear that .. Please educate others too on this aspect


44 Chandermani May 24, 2012 at 7:08 pm

This article came in nick of time. My wife too got such a call. I guess we should be super careful when anyone asks for money in any form. These guys would devise innovative ways to cheat people like us.


45 Manish Chauhan May 27, 2012 at 1:26 pm

Be careful and make sure dont reveal any info


46 Rashmi May 24, 2012 at 11:08 pm

Hi Manish,

Similar call had come on my father-in-law’s landline few weeks ago. Lucky I was the one who answered the call.

My FIL had taken 2 insurance policies (whole life policy from Birla & money-back policy from Reliance) last year from an agent Vignahartha Direct Insurance Broking Pvt Ltd. The person who called asked for my FIL by name and told the same story that he is calling from IRDA and that we will get the agent commission back for both those policies if we pay Rs. 30,000/- to Birla Sunlife . Plus he also said that IRDA has come up with a policy that henceforth agents will not be allowed to sell insurance because there is gross mis-selling. Hearing this something inside me told me that “daal mein kuch kala hai”. So I started asking him questions.

Firstly I asked him if whatever he is saying is there on the IRDA website. He said yes it is available. Then I asked him to send me an email so that I can discuss this with my husband. He said that he would not be able to send any emails unless the cheque is given. Then I asked him that we have one policy from Birla and one from Reliance. How will Birla refund the commission we have paid to Reliance. For that he said “hojayega Madame”. Fourthly I asked him if this “offer” is available only for people who have taken policies from “Vignahartha Direct Insurance Broking Pvt Ltd”. The moment I asked him the 4th question he cut the call and till now we have not got a call back from them.

Immediately after this, I logged onto the IRDA website to verify and found what I had suspected. There were no details on any scheme on returning agent commission. So I called up the IRDA helpline number 155255. There I was informed that IRDA has no policy of calling policy holders. I was also informed that I can lodge a complaint and that I had to provide the number from where I got the call and the name of the person. Since we do not have a caller id phone and I had not taken down his number, I was unable to register a complaint.

I have a strong feeling that these fraudulent calls are coming from this Vignahartha Direct Insurance Broking Pvt Ltd. Otherwise why would he hang up on me when I asked him that question. There are many complaints against them. Do check this link.

My retired FIL “invested” Rs. 1,00,000/- last year in 2 junk policies without discussing it with anyone. My husband & I found about it by fluke (at that time my husband had answered the call) however it was too late. That’s how I got to know about this Vignahartha Direct Insurance Broking Pvt Ltd. After that I went to Reliance & Birla Sunlife to see if I can get the money back, but to no avail. One of the sales guys at Birla Sunlife there actually told me “We know that Vignahartha Direct Insurance Broking Pvt Ltd is involved in malpractices but we get the highest business from them”. This is the kind of reply we get from Insurance companies!!! What else can you expect. For all you know Birla Sunlife & Vignahartha Direct Insurance Broking Pvt Ltd would be hand and glove in this fraudulent scheme.

Manish, I request you to write an article on Vignahartha Direct Insurance Broking Pvt Ltd also if possible, so that some other people will be saved from getting dupped.



47 Manish Chauhan May 27, 2012 at 1:20 pm

Good and a long comment . I really feel good how you handled this case . Its quite possible that a lot of calls are made by this company which you mentioned, but I think there can be more companies involved in this . A enquiry and case filing can be done by someone who has faced the fraud


48 ravi May 25, 2012 at 8:44 am

to curb this kind of frauds, the only way is to close down all the private insurers in india. They don’t have any ethics in selling their products. For selling they beg to us and at time of surrendering the customer have to beg them. This is the experience i had with icici prudential.


49 Manish Chauhan May 27, 2012 at 1:17 pm


Can you share more about your case ?


50 Deepak R Khemani May 25, 2012 at 12:13 pm

Not only in IRDA’s name people are getting calls saying they are calling from the company’s Central office(to sound genuine) from Mostly delhi and NCR region Numbers. Recently myself and a few of my clients got similar calls saying this is a policy which is open only for a day and if you don’t invest today you will lose a chance to win a free gift(whatever that means). In other instances people are told that if you buy this policy today you will get MEDICLAIM FREE for 2 years. This is really happening guys and it has reached menacing proportions, it time somebody took some action! Till then common sense is the key, don’t fall into this trap of getting freebees with Insurance policies.


51 S S May 26, 2012 at 3:36 pm

Case-3 was awesome a free car for a policy…!!! Even Case-2 was too good to be practical. In all the cases some descretion was required. How can one transfer or submit cheque worth thousands to an unknown person? most of the people fall for these tricks because either they are too busy or too lazy to do their homework.


52 Manish Chauhan May 26, 2012 at 6:53 pm

yes .. more than greed I would rate “lazyness” .


53 Krish May 26, 2012 at 5:06 pm

1.5 years back I walked into HDFC bank to avail a locker. It is a new branch opened up in small town and am a premium customer. Plenty of lockers are available. However the bank insist onto buying HDFC SL ULIP to provide the locker. This branch is very close to my home & convenient and hence alternatives are limited. The bank manager knows my case of limited options and would not budge.

Finally I had to take a trash ULIP. More than 50K is lost within 1.5 years. We discuss fraud calls but this is also a mis-selling. I am not sure such swappings (locker & loans with ULIPs) are legal. The same anology goes to personal loan or gold loan seekers who are in urgency.I feel that IRDA should prohibit selling of insurance policies in the bank premises. Also it should not consider banks as agents for insurance.


54 Manish Chauhan May 26, 2012 at 6:25 pm

You thought there is no alternative . You could have threathened then first that you are complaining to RBI or going to consumer forum on this issue as there is no rule like one has to take any product for this locker .



55 Sunil Kumar June 2, 2012 at 10:49 am

Hello Manish,

Can you tell me partial surrender in jeevan saral policy. I paid 3 installment 24000/- per year. Now i want to partial surrender 50000/-. What do you think about that, it is possible.


56 mriganka bhowmick June 2, 2012 at 3:37 pm

I have received a call from kolkata like this for recovery of loss policies. I was interested but I can not arrange the new policies amount. If I paid the amount I shall loss my amount again. So kind for you for awareness about this information.


57 Manish Chauhan June 2, 2012 at 11:05 pm

Hmm.. better not to believe anyone on this matter


58 Ajay kumar June 4, 2012 at 6:44 pm

I also got trapped in these type of call and lost 25000,Later After inquiring I Come to know of a Broker Endevour Insurance broker ltd


59 Manish Chauhan June 4, 2012 at 11:23 pm

File a case in that case !


60 Sunil Kumra June 7, 2012 at 3:44 pm

Hello Manish,
Can you tell me partial surrender in jeevan saral policy. I paid 3 installment 24000/- per year. Now i want to partial surrender 50000/-. What do you think about that, it is possible.


61 Manish Chauhan June 7, 2012 at 10:24 pm

It does not work that way , you will get 30% of your premiums paid (excluding the first year premium)


62 dinesh gupta March 4, 2014 at 5:38 pm

Hi Manish,

I have faced a similar fraud as the person from irda called me to give bonus promises and i have in vested 50,000 in two policies. but on second policy terms i just read your article and found this fraud then i have canceled my latest policy as till i have not received my policy document. For first policy(reliance) it already 1.5 months as customer care say it already more then 15 days so you can not cancel this policy. please advise what is period of cancellation of the insurance policy.

I have a contact number of that person named rohan malhotra and his cell phone number that he is regularly using. I want this person to be in jailed as i think on daily basis he is doing this fraud so many people in India. let me know how can we complain this person. rohan malhotra number is 9971239930.


63 Manish Chauhan March 12, 2014 at 9:15 pm

You cant cancel the policy after 15 days of receiving the documents , not applying for the policy . So check if you are within that limit .

You should complain in Police for this fraud !


64 Prashant December 15, 2014 at 5:29 pm

I also got cheated like this , I went to Police but they said they can not do much in such case because you got policy.


65 Manish Chauhan December 26, 2014 at 3:27 pm

But they should have taken the FIR atleast ! and did you get the policy in your hand or not ?


66 Prashant December 28, 2014 at 1:50 am

I went to Airoli police station, Navi Mumbai, One of my friends uncle is working there, I met him and he told me that police can’t do anything in this.


67 Manish Chauhan January 2, 2015 at 11:21 am

Hm.. not sure how right is this . They should atleast register a FIR on this at the minimum !


68 Dipti August 14, 2012 at 3:12 pm

I got a call today from 01164300311 and they calimed to be from IRDA. I doubted them and they kept convincing me that they are from IRDA. I have already fallen prey once to a fraud call from ICICI prudential and was convinced to buy a Birla Sunlife policy for some Bonus of my existing policy with ICICI. Initially they wanted me to buy the policy for 60K and then when I said I couldnt pay 60K then they came down to 15K. I took 6 months from Nov-2010 to May 2011 to recover the money from Birla Sunlife after several rounds to their headoffice. Though I had exceeded the 15day surrender, Birla Sunlife paid me the money as their image was at stake.
After reading the above experiences from people, Im shocked that Birla Sunlife has not given up on these dirty tricks and not fired such agents. Moreover, I believe the fault here is of companies like Birla Sunlife who are encouraging this racket. I have vowed to my self that I will never ever by a policy from them and discourage anyone who is planning to buy from them. All the best to everyone and I hope they can recover their money like I did.


69 Manish Chauhan August 14, 2012 at 3:40 pm

Thanks for sharing your case Dipti .. I think its the agents or some person who is running this, its not from the company :)


70 Rajesh Kumar August 17, 2012 at 6:21 pm

Even I got got from 9136891486, a female was telling me that IRDA has received 10 crs rs against commission of insurance agents that left their company and done faulty policy registration. They said 2.76 lacs is allocated to me by IRDA and I need to do pay 54000 rs against which they will issue a policy for 3 months and 11 days. Since they can not release payment without policy and bla bla.

As soon as i come to know that they are asking money for releasing any money that govt has allocated on my, i understood this is some kind of fraud. Please be aware of the phone no and do not get into this kind of trap.


71 Manish Chauhan August 20, 2012 at 11:09 am

Thanks for sharing your experience Rajesh !


72 Rahul Patel August 22, 2012 at 11:55 am

Dear All,

Just now I had received a call claiming that she is calling from IRDA from number 1409580324.

She wanted to give me lapse ICICI agent commission give it back to me. Then she asked me what is the insured amount, by seein this question I asked her if she is calling from any government dept then she must be knowing but she has no answer and she had hang up phone call.

In the past also I have received such calls. Beware if this calls!!!!

No one us free for us from government.

There must be some criminal investigation to be dine by insurance company/government against such fraud calls.


73 Manish Chauhan August 22, 2012 at 6:41 pm

Good to get your update. I am sure if someone does a policy complaint, it would be a good thing .


74 ManDar August 23, 2012 at 5:43 pm

I don’t know whether it was a fake call or not at first … but same case happened with me

I have also got a call from a number ‘+91 11 64715248′ saying that they are the employee of IRDA, to help policyholder in getting their profits.
Also they have all my insurance policy details which i have brought 2 years back.
They informed me about loss on my policy in terms of bonus and profit, as it is shared with Agent,
hence suggested me to remove/deactivate agent code from the policy but with few conditions .
they have also ask to change the policy code to other to get more benefits and bonus with extra Rs 9,000 along with my current premium as early as possible.
Also when i asked if anyone from their team can meet and explain everything personally, they refuse and said we never meet personally, it is just help to policyholder over phone calls.

After a long discussion and several procedure over call I was agreed tht moment and prepared my document to share. but before handing it over to the person (their document collector +91 8855097604), I called them back on same number just to confirm all document.
on calling their number i got tone ” THIS NUMBER IS SWITCHED OFF” and most of the time “YOU HAVE DIALED WRONG NUMBER”
So i stopped and told I will not give my document today as no one is there on IRDA office. The person (their document collector) told me I will check in office and ask them to call.
after a while I got a call from same number. That thing woke me up and I rushed to cyber cafe to check such incidence.
After reading this blog I have realized and somehow i was saved.

Reading this blog and shared experiences …definitely can save many gafala’s !!!
Manish, with this blog you have really done a gr8 and Noble job !!!


75 Manish Chauhan August 26, 2012 at 1:00 pm

Thanks for sharing your experience , really appreciate it !


76 ICICI Prudential Life Insurance August 30, 2012 at 5:40 pm

Dear All,

We have received reports that unauthorized individuals posing as official representatives of ICICI Prudential Life, Insurance Regulatory and Development Authority of India (IRDA) or other government agencies e.g.Income Tax Department of India are contacting customers via phone calls, SMS’s and e-mails. They are asking policyholders to reveal their personal details or policy details and in return promise attractive financial gains such as bonus/payout from their existing policy.

We request our customers to be cautious while giving out their personal details and urge them to not reveal any confidential information like password, credit card no., fund value of existing policy for any fake promises to surrender your existing policy or opportunities to cash in on
unpaid benefits from your existing policy.

If you receive any such suspicious communication, we request you to visit your nearest ICICI Prudential branch or contact us on 1860 266 7766 or write to us at

We hope our continued efforts help safeguard your interests.

Warm Regards,
ICICI Prudential Life Insurance


77 Ajoy Jha September 22, 2012 at 7:11 pm

Hi Manish ,
Just today i got a call from one guy from Nos 084- 59505284 saying that he is from IRDA bonus cancellation dept and he has received my bonus file for cancellation as i have denied to fulfill the formalities which can enable me to get the bonus . On this i informed him that this is not right , and told him that i did received a call from some one, couple of weeks back saying that he is from IRDA and had called me to inform that IRDA has given be bonus benifit of 145319 INR but did not explained me modus operandi for fulfilling the formalities .
On that the man whoc called me today , told me that he will further forward my line to IRDA bonus reimburshment deptt. and put my line on hold for some time , after some time some one by name Ashwini Pandey attended the call and talked to me , and explained me that it was informed to you earlier that your agent Neeraj Verma wanted to divert the bouns on his name but IRDA came to know about it and hold the file and informed you as well as explained you that in order to get the bonus you will have to buy a new policy from policy bazar worth 42k , process of buying new policy would be – IDRA will register my name and details in policy bazzar with 2 start flag which is for indication of premium customer , and once my name is registered i will get a call from any insurance company which is linked with policy bazar for explaining some policy , on which they told me not to inform the company that i have been recomended by IRDA else they will put their agent code in my policy and will get the bonus benifit tranfeered on their name for which i am entilteled . Aprat from this he also told be about some documents which insurance company will ask me to handover to their representative on which i had to directly refuse and will have to informthe insurance company that i will send the documents to IRDA office directly . He told me that IRDA offieces are in Mumbai , New delhi and Hyedrabad . Thereafter he told me to inform him in his personal no about the courier details – AWB # through which i will be seding my docs and cheque to IRDA . Futher he explained me about getting online application form no etc etc on which i didnot put my concentration .
Surprisingly after 10-15 minitues i got a call from one guy from mobile nos saying that he is calling from relaince as he got information that i want to buy some insurance policy ,but i did not entertained his call and cut the line as i felt this NOT GENUINE .
Seek your feedback on the above incident …….


78 Manish Chauhan September 26, 2012 at 1:56 pm

Thanks for sharing that incident .. i am sure it was a fraud call ..


79 Sharad September 5, 2013 at 5:57 pm

Same Story Repeated with me.


80 Pankaj Kureel October 8, 2012 at 1:33 pm

Dear All
i too received a cal from number 8505951674
claiming to be official of irda who said the birlasunlife has been giving 15% to agents and causing loss to customers and hence irda has decided to pass it on to customer after recoverign from insrance company. so i should be gettign a code generted in my name and there was a lengthy process for developing the code and a fee to be paid to them of Rs 20000 which would be either adjusted in my further payments in the said policy or would be refunded back to my account. however i had decide to check inetrnet for such calls and have copme here.

but the basic question arises in my mind is
hw did they cum to knw tht i hv birlasunlife insurance
hw they can use the name of reputed comapnies and even a gove body IRDA and still go scot free.
why is our system not able to put a check on them
why cnt i get any help ready to nab such persons and brign them to justice

any one has the answer

pankaj kureel


81 Manish Chauhan October 8, 2012 at 9:12 pm

Thansk for that update , it was a fraud call


82 Kiran October 17, 2012 at 11:07 am


today at 10.30 am I got call from +91-11-64600362, name of lady was Kajal Sharma. She told that she is from IRDA, customer support and Verification Dept. and she needs all my policy details. When I asked, about her Identity then she gave her employee Id 23459. I asked, if I give my policy details, then what benefits I would get. She told that, governemnt has announced Scolarship for one family member and if I fit for that, then I can get scaolarship from govrnment. Then I asked that, I would like to talk with your seniour or manager, then she transfeered the cal to Mr. Ravikant Desai. He told me that I should provide information to her. I talked with him and asked that how could I get my money back from Max Life Insurance, if policy is lapsed (Didn’t share the Policy number). He told me to contact IRDA Hyderabad with xerox of policy bond and he suppose to send me an sms of address, which I didn’t recieved. I called back on same number at 10.55 am, lady picked the call up and I asked for Hyderabad office’s address then she said only our manager will give this address to me.

Now I have 2 queries to Mr. Manish and also to all reader,
1) Is it the fake call?
2) Also I checked in Google, there are hundreds of shuch compliants, then why no one from goverment (I mean, Police or Law and Order Dept) are not taking right steps against them?



83 Manish Chauhan October 19, 2012 at 9:46 am


IRDA does not give any call to anyone . Its a fake call .


84 aniket October 22, 2012 at 12:37 pm

I received the suspicious call from a person claiming to be from IRDA. He said I have accrued some bonuses and would require some information about my insurance policies to relase the same.
I did not buy the sh!t and shut him up saying I’ll report him.
I don’t have caller ID enabled on my landline phone, so don’t know where he was calling from. Where can I approach to book the complaint?


85 Manish Chauhan October 22, 2012 at 12:45 pm

Better go to police only , as this will be a fraud case.


86 Sandhya Chinchpure October 22, 2012 at 4:42 pm

Respected Sir,

I have a policy in HDFC Life ins. one day a call came to me that r u interested in any new plan so i asked to send a agent to my house. Same was happened , Mr. Sanjay Rathod who introduced to me as Relation Ship Officer of HDFC (Pune ) to me said that my current policy is good. So only i would do more investment by doing top up in the policy so i said that as i have any good amount i will do it.

After 2 days same person Mr. Rathod (+919822021147 ) called me that whether am i interested in earning some extra money by giving a examination of IRDA of HDFC bank as to become a agent. As i am working in a Company i told is that valid to do such this.
He said that yes this is valid only he will require my documents – PAN card xeror, Residential proof xeror , Bank details to receive money on account and he will do all my registration & i have to only give examination.

I am not quite sure about so i asked him how can this happen he said i have to only give exam & if i pass a code will be generated on my name. So what ever business he do he will share the amount with me.

I doubt about this is this legal, i am having strong feeling that the person is trying to use me.
I request you sir to please check where such person is persent in HDFC Life Ins ( Pune ) & is this valid to such thing , help me in this a soon as possible, as this person calls me every day.

Thanks & Regards,


87 Manish Chauhan October 22, 2012 at 4:53 pm

Just dont get into it . He is using you to sell more policies on your name


88 Sandhya Chinchpure October 22, 2012 at 5:06 pm




89 Gaurav Bhardwaj October 31, 2012 at 5:39 pm

My father also had fake call from IRDA-Deepak Sharma,told my father bonus of 2.84 lac.As per him,bonus will be provided if he has reliance insurance in his blood relation and he have to deposit 15% on money (around 45,000)in reliance life insurance. Also,no agent should involve in this process of reliance insurance.My father decided to to do but we search and found that its all fraud……Thanks all.finally we canceled the cheque from bank and save our money….


90 Manish Chauhan November 2, 2012 at 11:21 am

Good to hear that !


91 Brijesh S November 2, 2012 at 5:08 pm

I got a hoax/fraud call from +91 8595420812 by a person called Aakash saying he is calling from the IRDA and that I need to provide some details about my policy in order to get bonus released. He said that right now for my ICICI and Bajaj policy (They had called me once earlier where I had ended up telling them that I had 2 policies with me) the bonus was going in part to the agent who sold me the policy and that was almost like cheating me of my money.

This looks well planned since the first couple of calls they make are informational calls only and then once they have info that you have provided then they proceed to call you back later using the same information which makes the call look authentic and you end up getting defrauded. I knew I had divulged information about my policies earlier but gave approx amount and the person tried very hard to get me to give an exact number. I am not sure if they can actually use my real name and age and policy amount to do some damage. I hope not.

The person then proceeded to give me an ID BT00132 saying that he will change the agent code for my policy to this so that i can start getting my bonus properly. When I told him thats a good idea and I will check with ICICI to get my agent code changed to what he told me he said that since my policy was discontinued (which is info I had given in a previous call) hence they would not help. I was so tempted to ask him what was the purpose of the call then. I decided to bait him a little more but he kept saying that he is working in my favor and that i should give him the exact amount of the policy so that he can forward it to the claims department. I feigned ignorance about the exact amount so he said that my details are not verified so I would not be able to get any bonus and he would have to close my file. I am sure he will be calling again and I wonder what info does he try to come up with now. I was all along thinking that these calls had to be fraud calls since IRDA wouldnt be bothered dead or alive for poor investors who get ripped everyday. Will keep you updated on this. Just for the record ICICI pru life didnt do anything which speaks volume about their service. At the very least in the interest of Customer confidentiality if someone is using their name to get personal information they should intervene to put a stop to this but looks like a lost cause in India. Best for us consumers to help each other.


92 Manish Chauhan November 6, 2012 at 5:21 pm

Yea .. it was mostly a fraud call !


93 jagdish naryan yadav November 5, 2012 at 5:11 pm

Dear Sir/Madam,

This is regarding the below mention policies number which your agent from IRDA sold me:
02503369 – 27500 – 26th March 2012
02407943 – 18000 – 23rd Nov 2011
02538120 – 21000 – 18th April 2012
02402256 – 20000 14th Nov 2011
005622554 – 20000 – 6th June 2012
I Jagdish Naryan Yadav age 35years resident of surat, Gujrat started receiving call from nov’11 from IRDA representative Mr. Rajesh Ranjan 9717145760 and his senior Mr Vikas Chaouhan 8800101566 and 011-65990114 sold me the Plan as one time Investment Plan, whereas on going through it, I found that it is not as stated by him but is of 15 years term.
However I do not want to continue the plan for such a long term and its been regular premium Payment as I am not financial sound who can make regular premium for coming 15years . The agent who stated is from IRDA told me that all the money which I am investing is just the security amount and will be given back to me in next 45 days with interest on the same amount.
I have agreed for the paying the money as this was only for 45 days, I have given this money which I have kept for my kid’s studies.

It started from the month of Novenber’11 when he told the security amount is Rs.20000 which I will get it back with the Bonus amount, But again in November they called up and told me that Mr Yadav your bonus is approved but to claim one more security of Rs.18000 needs to be paid and I kept on waiting my bonus cheques in between I called up so many times on these numbers they always promised me the approval letter of my bonus has come but IRDA ministry is asking more money to release the same, as it was only for 30 days I have taken money on interest and given the same keeping in mind that against the deposit of Rs. 38000 rupees I will receive the bonus of Rs. 1,34, 000 with in next 30 days

I keep on waiting for my my bonus amount but whenever I tried calling them they are either out of India or said its under process and surely you will receive the same as it’s a government process and will take some time to get all approvals, till the time it was 3 months gone and I have paid the interest of more than 5000 on the money taken and in March I have again received the call stating that they have got the Cheque of my bonus of Rs. 1,34,000 but they given condition that I have to pay 27000 and 21000 in two installments and if I will not pay I will loose all my money which I have given for my previous security… I was really scared and tried to taken money on interest again and in the meanwhile I was under big depression where I was don’t know what was happing and this keep on going till june’2012 and till date I have lost more than Rs.100000 of my hard earned money and paid interest of morethan 20000 on it.

What ever the papers I have received I was shocked to see that the signature and the medical details mention on these forms are purely false.

Somebody has done a forgery with my signatures and personal details.

Even though when I am trying to get in touch with these people they are not answering my calls or their phone come switch off.

I am complaining this matter to IRDA and sending written complaint of this letter to a Media as well.

This is my hard & earn money I will not let it go like this. This is purely a cheating if I have to go to the police as well & have to register a case I will do that as well.
I called up 011-65990114 2 days back as well they told me this number belongs to some call center in delhi. Soon I will get the details of this call center and I will take legal action against those people as well
Looking forward for a prompt reply.

Thanking You
Jagdish Naryan Yadav


94 Manish Chauhan November 6, 2012 at 3:09 pm

I think this was a fraud done by someone ! ..


95 Santosh Sharma November 7, 2012 at 11:22 am

Today I had a call from 9136718706 as he claimed to be from IRDA, he said some one is personifying me for Rs 3.4 lakh, surprisingly he had my address which he pretend to verify and date of birth. I surely knew its a fraud, I asked him logical questions he hanged up….now, What can I do anything to report such number, so it can save some innocent people…


96 Manish Chauhan November 12, 2012 at 9:11 am

Just ignore it , its a fraud call


97 Govinda November 16, 2012 at 4:45 pm

Today I got call from +919136021374 – Mr. Anurag Verma.

Saying you have chosen for Bunus for ICICI prod. policy.

You will get 1.20 lakhs. You have to show ID proof, Address proof & pay 25000 refundable. I want to log compliant regarding this. Please let me know, how to do.


98 Manish Chauhan November 20, 2012 at 4:32 pm

Just tell about this to police !


99 Desmond Coutinho November 29, 2012 at 1:22 pm

Hello People,

Thanks for all the comments I read here. I did get a call today from the same number +919136021374. pitching me the same things.

Told the guy to stop these fraud calls of looting people.


100 Manish Chauhan November 30, 2012 at 11:27 am

great :) .. congrats for taking that step !


101 Nagendra December 3, 2012 at 6:00 pm

I received a call from a representative claiming to be from the IRDA promising a bonus of 2 lakhs from a policy I closed a few years ago if I provide a refundable cheque of 40,000. I knew it was a fake, but played along to see how far will he go.

Firstly, I am surprised that this representative had access to my policy details, he knew the insurance company and when I closed it as well. To lucky a shot for it to be coincidental. So much for data protection. And so much to have my number listed in the DNC.

Second, I reached out to the IRDA helpdesk to report the call, but was surprised that their representative cut me off and asked me to email their complaints division and refused to talk any further. I find this extremely weird even if he was following a protocol of sorts!

Final word, when its too good to be true, well, its too good to be true. Any one wanting to take such a risk would rather have a go at the sensex!


102 Manish Chauhan December 11, 2012 at 4:34 pm

Its just a fraud call :) . IRDA does not make such calls !


103 vineet January 15, 2013 at 5:52 pm

I also received a Call today from the number 912066522500. The person said that he is from IRDA and my file has been forwarded to them for a bonus approval/rejection. This was a fake call.
The thing to notice is that they were aware of my ICICI policy and the investment amount. This does not seem to be possible without the involvement of some person from ICICI. I think IRDA should take strong action against Insurance companies and they must keep the information confidential.


104 Manish Chauhan January 18, 2013 at 2:24 pm

Thanks for sharing that information


105 S R JOSHI December 12, 2012 at 9:28 am

I have been receiving constant calls from various nos starting with 140 which I used to ignore. I got fade up and attended the call yesterday. The person calling (Manjeet Bhatia) said that she is speaking from IRDA and my amount accumulated through ULIP linked with prudential policy of Rs. 324328.75/- has been transferred to them which they want to transfer to me. The condition is I should take one clean policy (traditional from birla sunlife company only) amoun.ting to Rs. 51892/- I am surprised how they accurately quoted my policy nos and other details very accurately. There was tremendous follow up from nos like 1409305242 / 1409300958 / 1409305247 and finally from Mr. Sunil Tripathi the no is 09650290534 . I got suspicious and went out to check with my friend. In the mean time in my absence when the phone call came my wife told them that I have gone out to arrange the policies from birla sun life, they kept the phone down. My wife felt that this entire episode is fake and informed me not to proceed further and also my friend suggest the same thing. My request to you is find out this racket and publish the announcement in papers about the racket.


106 Manish Chauhan December 19, 2012 at 4:39 pm

Thats a fake call , thanks for informing


107 Nirav Pandya January 10, 2013 at 6:09 pm



108 Sugam January 19, 2013 at 10:14 pm

We got the same call.

Thank You Manish Chauhan and other people for posting these things here. My father suspected that this might be a fraud call. A simple google search for the same led us to this page and saved us.



109 Manish Chauhan January 22, 2013 at 5:06 pm

Good to hear that !


110 F.Rehman January 21, 2013 at 3:38 pm

Beware of this 2 Fraud calls No.

1. +917428951872
2. +919310354695


111 Manish Chauhan January 22, 2013 at 11:38 am

Thanks for sharing that .. did you get any call from those ?


112 Sachin Sharma January 23, 2013 at 12:16 am

Hello Friends
Today i got a call from the no. 1409845370. Firstly a lady called me & then after 15-20 minutes a male parson called me. He told that he is the manager of ICICI delhi branch. 7 years back i got a insurance policy of ICICI prudential. He told me that after 7 years your approx bonus is 29850INR & your agent send us the application to cancelled your bonus. He told me that if i want to get that full bonus amount of Rs 29850 then i need to purchase one more policy i.e the demo policy of Rs. 12000 for 30 days. By purchasing that policy they will return my full bonus and my 12000. He also told that they will deactivate the agents code from my policy and you will get the agents commision directly in to your policy.

But when he told me to purchase the new policy i asked him that firstly i will visit my near by ICICI prudential office and only then i will take any decision. when i told this he told me that you need not to visit the office as the agents in that office don’t tell you the truth because of the reputation of their company. Then i understands that he wants to play some game with me & i refused to pay any money & refused to purchase the new policy.

But friends i have only one doubt that if these type of calls are made on the basis of IRDA & on the name of the companies then why not any strict action can be taken by the government & Companies.
The person who called me also asked to visit his office at Knnaut place Delhi.

Friends plz beware of these types of Fake calls.
Their main motto is to get money from the investors.

And i am really very much surprised by the case no. 3.
How one can risk their lakhs of ruppes to the unknown person.
Very Strange.


113 Manish Chauhan January 23, 2013 at 8:28 am

Thanks for sharing that experience Sachin … it was very useful !


114 sanjeev girotra February 5, 2013 at 3:03 pm

On 2feb2013 i got a call on behalf of IRDA from +911165160038(shipra gilotra) asking me to cancel my AVIVA equity policy and they will get me 55000 rs as bonus but in return I have issue a cheque of 30000/- to start a new policy in Met Life India Insurance.And also they said i will get my aviva policy money back in march 2013 in my account.So in the evening i got acall from so called courier vipin (+918860404186) to collect my documents.So in evening I gave documents and 30000/- cheque to vipin.But on 3 feb 2013 I found all the mobile numbers in off mode.As per my intution on 4 feb 2013 I order bank for stop payment and lodge complaints with AVIVA,IRDA(hyderabad),Grahak jago helpline, and also made a FIR in police station for all this. Now today all numbers are still working and say they are genuine.At last I am saved from being cheated,its up to you to decide.Thanks


115 Manish Chauhan February 6, 2013 at 10:33 am

Thanks for sharing that Sanjeev !


116 mahendra singh Rathore February 7, 2013 at 3:58 pm

today i have receive call from Birla loan scheme phone no.1409305247 be careful from this no.please suggest i can legal complaints or any processed how can stopped this problem.


117 Mohammed February 14, 2013 at 3:47 pm

even i got call , i did’t took ma policy i have nodia branch office addresss and contact number.


118 Sourav Mukherjee March 2, 2013 at 6:07 am


I Recvd a call today morning from a delhi num(9136) and saying someting that someone has filed a police complaint aganist me and needed to pay 30k,he was saying some advocates name and num and blah blah,i simply put his num on mah blocked list!!!!has anyone recvd such insane calls????



119 Manish Chauhan March 3, 2013 at 10:15 pm

Hmm .. not sure .. but there might be indentity theft case . Someone might have loan on your name, address, phone !


120 Abhi March 11, 2013 at 4:13 pm

My father got a call from a person posing himself as an IRDA officer who persuaded him to invest in Reliance Life Insurance for getting the blocked money. My father had invested around 2 lacs in 1995 in a company called Schematic Finance Ltd and that company closed its operations after few years and money got blocked.
Now the person faking as IRDA officer had all the information regarding the invested money, interest accrued etc. He somehow duped my father into taking 2 Reliance Life insurance policies for 60K premium annually so that my father would get invested money +interest gained totaling upto 3.5 lacs. After paying the premium, that person has gone underground as usual and even his office number is not working.
Now the 15 days grace period has gone and policy term says that surrendering of policy is allowed after 3 years that too only 20% of the 2 premiums will be returned, I feel myself to do something so that it shouldn’t happen to anybody else.
My concern is that these fake IRDA guys are in nexus with insurance companies because once you approve taking the new policy, insurance company’s agents will call you and visit you in few hours that shows the strong linkup.
I am going to address my concern to Reliance Ombudsman and then to IRDA and if no result then will file a court case,
Please suggest for further help.


121 Manish Chauhan March 13, 2013 at 11:47 am

But you will file it against whom ? that guy was fraud .. and he sold you reliance policy. How is a company involved here? I can be that fraud agent and can sell you RBI bonds , that does not mean RBI has cheated you


122 darshan March 13, 2013 at 11:41 am


I received a similar call today from mr Karan Seth his no is mention as 08130339939 he is from Judicial and claim department and doing verification call which comes under Ministerof finance. Actually we gave them our policy no as they said we want to verify.then they said that i have a bonus to be claimed of 150000 which is on my LIC investment which will other wise go to the agent. I can claim it directly without giving any money to the agent.We told them we will do it through the agent ..what should we do now hoping that they will not missuse this information for any claims..!!


123 Manish Chauhan March 13, 2013 at 11:44 am

Thanks for sharing that information with us


124 Harshit Sharma March 18, 2013 at 3:19 pm

I just received a fake call from 91-8459446231 saying that he is from IRDA verification department and my one time bonus approx Rs. 2.50 lacs is in process. When I take him in conference with my insurance advisor he disconnected the call.
beware from such fake calls guys….

Harshit Sharma


125 Manish Chauhan March 19, 2013 at 10:46 am

Thansk for sharing that Harshit !


126 Manish Sisodiya March 30, 2013 at 11:31 am

I also received a call asking details about my policies. Only this time this call was not from IRDA, the person on the other end of the phone claimed to be from IIMD (Indian Insurance Management Department). However, I could not find any such department’s existence online. Does any such department exist, or was it a fraud call.


127 Manish Chauhan April 3, 2013 at 10:43 am

It was a fraud call


128 S.Krishnan April 11, 2013 at 11:24 pm

today morning i got a call from tel. no. 1409300600 by the name of Mr. Ajay Saxena. He claims that he is from IRDA fund releasing dept.

I had invested in Birla Sunlife Vision plan in April 2012 where the term is for 18 years(which includes life cover) and the minimum period you have to pay the premium is 5 years. The term explained to me by Mr. Rathod(he claims that he is from Birla Sunlife Insurance co and he is Sr. Customer relations manager) was that if you pay for 5 yrs(rs.50,000 annually) premium totalling to Rs.2,50,000 at the end of 5 years you will get Rs.4,20,000 plus life cover till the age of 99 years.All this was done on phone and he sent his man to collect the cheque of Rs.50,000 and he also mailed me a ‘Bond Paper’ which gives details of the amount of Rs.2.50,000 growing to Rs.4,20,000. This bond paper was sent to me by E mail was on Birla Sunlife letter head.
Friends I believed this to be authentic document from Birla Sunlife in support of the policy document which was sent separately and I did not suspect anything wrong and hence did not cancel the policy within the freelook period of 15 days.
Later in November 2012 I got a call from Birla sunlife dsaying that the policy i was sent is a normal endowment policy and the benefits explained and sent to me as bond paper was not so.

I rushed to Birla Sunlife Insurance office and tried to verify the policy and they also confirmed that they don’t know what is this bond paper.
Since November 2012, i have written to their grievance officer more than 3 times and yet to get a satisfactory answer.



129 Manish Chauhan April 12, 2013 at 10:07 am

thanks for sharing that incident with all of us .


130 abhi May 12, 2013 at 1:51 am

I got a call from (918459465625) person stating his name as “Harish K Shrivastav” who belongs to IRDA login and cancellation department and explained me that it was informed to you earlier that some person Suresh Tiwari wanted to divert the bonus on his name but IRDA came to know about it and hold the file. He also provided me my address and other details so that I can trust on him, further he advice me today is last day of file closing and he can’t stop the process. After that he provided contact details of Rakesh Kumar Bajaj stating that he is the Deputy and may help you.

I called Rakesh Kumar Bajaj (08130745691) and requested him to do the needful. He advice me talk to his assistance Manju Arora at number (09136260721) and raise the complaint. Manju raised the complaint and provided me the complaint number IRB10354-11 May 13. She advised me in order to transfer bonus amount to my account , there is need some ID , address proof verification.
For that I need to visit their Hyderabad office. When I told her that it is not possible for me to visit Hyderabad and request her to provide any alternate options.

She then explained me ,in order to get the bonus you will have to buy a new policy from policy bazar worth Rs. 30780K , process of buying new policy would be – IDRA will register my name and details in policy bazzar with 2 start flag which is for indication of premium customer , and once my name is registered i will get a call from any insurance company which is linked with policy bazar for explaining some policy , on which they told me not to inform the company that i have been recommended by IRDA else they will put their agent code in my policy and will get the bonus benefit transferred on their name for which i am entitled . Apartfrom this he also told me about some documents which insurance company will ask me to handover to their representative. She told me this is the alternative way to verify your ID and Address proof.

In order to cross verify , I check the IRDA site and some name like Rakesh Bajaj which are there on IRDA site , so I trusted on her and proceed further.

I got call from person stating his name as Uday Mahajan who belongs to Reliance life insurance policy company Ltd. He provided me policy plan and I follow him as per Manju Arora advice.

After that I got call from person stating that she belongs to Reliance Life Insurance Policy Company Ltd. and this is verification call.

After verification call, I got a call from person stating that he belongs to Reliance Life Insurance Policy Company Ltd. and provided insurance company form and collected documents and cheque of Rs. 30780K

Before going to Bed I thought to check what is LIC bonus fraud and I am come to know that there is no such fraud however , I fooled by these people in the name of IRDA. I immediately stop cheque payments however my documents, photo and cheque is with these person. I have worry that there will be no miss use of my documents.

Could you please help me what action should I take.

The name of persons and numbers I got call as below.
Harish K Srivastav (08459465625)
Rajesh Kumar Bajaj (08130745691)
Manju Arora (09136260721)

I have taken form number of Reliance Life Insurance Policy. I will also raise this issue with Actual Relaince Life Insurance Policy to not to consider this policy. I saw bundle of Reliance insurance company forms with the person who come to my address to collect my documents.

This is really big fraud as so many people are suffered due to these people. I request Insurance companies to take action on this gang so that their impression will not be affect due to such fraud activity.


131 Manish Chauhan May 18, 2013 at 2:10 pm

Yes this is fraud, but how will you benefit by buying a policy ? You should have controlled your self to take shortcuts


132 Kapil May 24, 2013 at 5:52 pm

I am getting calls from HDFC (mobile nos. 9136347144/9901982475) and IRDA (mobile no. 8459083546/9136712915/8459085326) stating that Agent code will be removed from the policy and Commission/Bonus amount would be paid to me, provided I buy Life Insurance for 50% of the Commision & Bonus amount from Reliance/Birla Sun Life/Bharti AXA. This looks fraudulent to me. I did not take any policy as they suggested.


133 Manish Chauhan May 25, 2013 at 3:30 pm

Yes its a fraud !


134 Shalini May 29, 2013 at 4:22 pm

I am getting call from 9278361725 and 9268644430 saying that Birla Sun Life has my 70k dividend cheque for ICICI Prudential ULIP plan i have with ICICI.

They will give me the cheque when i will give them 20k cheque favoring Birla Sun Life. Amazingly their number were not already on this forum. Seeing the comments above i think it is useless for FIR or go to ombudsman. But yes will take action for leaking my details for ICICI the moment i get a right path


135 Manish Chauhan May 31, 2013 at 4:41 pm

Just ignore them . Its fake


136 ishrat June 28, 2013 at 4:26 pm

Few months back I got call from saying calling from irda about my two policies that I’ve with HDFC bank. He provided with me exact details of the policy that is currently I’m holding with HDFC. He said to me that the policy that I’m currently holding is in loss as it is linked to share market. He asked about doing the fund management for the same. He then transferred my account for fund management to Reliance Life Insurance. The person I was dealing with Fund management name was Mr Rahul contact number:Few days back I again get a call from IRDA 9899494632 . He said to me For doing fund management, I need to buy a policy for Reliance Life insurance 40,000. I received the receipt of my policy on 6th June 2013.
The policy details are as below:
Receipt No.:WC0019686352
Policy / Application No D5340402
Application Inward Date 17 May 2013
After then I called Mr Rohan several time about fund management and the policy document. He said that it will be done shortly.
Few days back I again get a call from IRDA from Raj Singh Arya 9873513655, 9971123042 saying that saying you had bonus of rs. ,2,35000 from irda and this was a government bonus. To receive this amount I again need to make a policy of 80,000 from Reliance Life Insurance. The agent from Reliance Insurance told me the document need send at the same date as that day was last date claiming bonus. The agent collected the document from me and cheque. The next day I searched the net about Fake fraud bonus calls from IRDA. I immediately got suspicion and cancelled the cheque I had given. I called the Reliance guy and I do not want to buy another policy and cancel the document send by me. He said that it was not possible and my Reliance policy and fund management would be cancelled. He then tried to many stories that the one of his friend will take policy from my behalf and then the bonus will get transferred to his account. I said you do whatever you want I need my fund management. I realize now this all is fraud and I m being trapped by some people/.
Please help and reply what should i do


137 Manish Chauhan July 1, 2013 at 3:54 pm

It was a fraud call ! . Do a policy complaint now !


138 Ritesh June 4, 2014 at 2:49 pm

This person has done fraud with me as well. Please contact me @ 9654353930 , 9873822912. May be collectively we can do something and prepare background to ask help of police.

Ritesh Yadav


139 Ishrat July 1, 2013 at 4:38 pm

Thanks Manish

I’ve sent my complaint to Reliance customer care. Awaiting a response from them. Do I need to forward my case to somewhere else. I’ve totally lost faith in Insurance department


140 Vikas Kumar July 6, 2013 at 5:47 pm

I am constantly receiving calls from Delhi, claiming bonus etc.
The person asked for a cheque of Rs.30000 as security.

Calls were received from following persons/nos.:
Mr. Omkar Singh Chauhan, claiming himself from reliance Life office, karol bagh, delhi, tel nos. are:
+91 1206590169,
+91 1203146970,
+91 9536321490

Mr. Rohit agarwal from ICICI Life insurance
+91 8882611011

please guide us whome to complain??


141 Manish Chauhan July 15, 2013 at 2:17 pm

a police complaint !


142 Gandha July 20, 2013 at 2:01 pm

Got a call from this number today: 01409305246 — trying to give me some story about some bonus on my LIC policy that I will loose if I don’t submit the documents today. First there was a lady who said she is from LIC, then she transferred to someone who claimed to be IRDA. After little bit of cross-questioning, the person cut the phone saying he will send details on my e-mail ID.


143 Manish Chauhan July 20, 2013 at 2:06 pm

Thanks for sharing that :)


144 madan lal kochar July 29, 2013 at 2:17 pm

dear manish; apke madhyam se kya yeh jankari mil sakti hai jo log dhokha kha chuke hain aur police ya IGMS mein complaint karne par unka paisa vapis mila? aur kya policies ko sambandhit vibhag mein surrender karke bina kisi deduction ke apna paisa vapis prapt kiya ja sakta hain ? jaisa ke ukt sabhi policies fake calls ke dwara sell ki gayi hain pichhle do mahine mein.apke sahyog ki partiksha mein…


145 Manish Chauhan July 29, 2013 at 5:02 pm

But it has to be proved that IRDA was responsible for it. If someone calls you in name of BSNL and cheats you, will you go to BSNL to claim the loss ?


146 Rajesh Srivastava August 9, 2013 at 2:06 pm

Today I just received a call from Ms.Aggarwal, she was posing as calling from Insurance verifications deptt tel no:1164716313, and the same story about giving back the money I lost in Aviva ULIP plans and asking me to take policy of any company for minimum 3 yrs, 15000 yearly, but How do they come to know the policy details and the amount which is thru Aviva, it’s means there is something between the insurance companies and these agents, who make the customer fools


147 Manish Chauhan August 12, 2013 at 2:41 pm

A lot of times, employees sell the data !


148 Apoorva Shrivastava September 24, 2013 at 6:09 pm

Interesting – exact same thing happened to me as well. One of the Ex-Employee of RBS / Abn Amro is involved.


149 Vivek August 10, 2013 at 12:13 pm

even I got a call from a lady claiming to be calling from Central Government Insurance Authority.she was asking for my LIC policy number and other details . I became suspicious and started counter questioning e.g the office address , she said its located in East Mumbai , Vile Parle . Then I asked about her what is the website she said .. I told her there is no such website ..then she hung up
The number was 01203325526 . Please beware !


150 Manish Chauhan August 12, 2013 at 2:35 pm

Thanks for sharing that experience !


151 RAVI BANSAL August 26, 2013 at 12:17 pm

I am insurance advisor with Max Life Insurance. I have saved many persons from these fake calls. Now people are aware. They trust only those advisors who have these qualities….
1. Long career
2. Knowledge about profession
3. Success


152 Manish Chauhan August 29, 2013 at 11:12 am

Good to hear that Ravi ! .. good luck !


153 Yogesh Kumar August 26, 2013 at 5:52 pm


I am Max Life Employee. I also received fake calls from 0120-6530227
I treated as a Customer, They told me that There is bonus declare which is due to company & they are not paying to you.

We will note down your complain number & resolve the Same & will Clear the Bonus .

All The Calls Are on Process. First Of All , Register Complain, After That Call from Finance Dipartment. After They Ask For Paying Some Money

So Beware of These Types of Calls & Make Complain online So That Customer Always Should Be Award Regarding These Fake Calls



154 Pankaj August 31, 2013 at 6:32 pm

Hi there!!

I also got such call today, from the person named as Abhay Rathod, +919136120908 claiming that he is from IRDA.
He was saying he wants to transfer me the profit on my HDFC insurance, was telling that my agent claimed that profit by sending the mail.
He wantend my policy details, no., my DOB, installment amount, date of policy, etc. Earlier I provided my DOB but I did not have my policy no. so I couldn’t provide him and said him that you can proceed to transfer my profit to my agent. I have to check with my agent whether he received any profit on my details, then only I will come to know whether it was fake or real call.

After reading all these comments I am feeling it was really a fake call, thank god I did not give him my policy no.

To confirm the profit transfer I also got one call from another person Arvind, +918459462923 from IRDA and I gave him the green signal to transfer it to my agent. :)

Thought of bringing it in your notice


155 Manish Chauhan September 3, 2013 at 2:07 pm

thanks for sharing this !


156 Apoorva Shrivastava September 24, 2013 at 5:35 pm

I got a call today. Told them to call back. Meanwhile complained to Police helpline 100, but I don’t think any action has been taken. The number I am receiving the call form is 011-64716315

Is there any place we can file complain for these SCAMS?


157 Manish Chauhan September 24, 2013 at 7:12 pm

No other place that Police !


158 Rajesh October 4, 2013 at 5:48 pm

I am frequently receiving fraud calls in the name of IRDA and they are trying to cheat me with information that my bonus is getting cancelled and to save it I need to give security deposit for 3 months. Some on the names and numbers are:
1. Rajvir fro Delhi – 9350687146
2. Hitesh Nagar from Hyderabad – 8459382375

If we speak to them harshly, they speak in a very rough language. I have raised complaint with IRDA and wonder if they are taking any action on these contact number.


159 Manish Chauhan October 7, 2013 at 7:53 am

First, this is to be lodged with POLICE and not IRDA . Its like if someone takes the name of Shahrukh khan and try to cheat you, will you contact Shahrukh khan for that ? Same for Infosys ?


160 Neetu Singh November 14, 2013 at 12:20 pm

Today, I got a call from so-called IRDA guy saying that I have got bonus of 28430/- for my Tata AIA policy lapsed 3 years back. Now this amount will go to Agent but I can get the same if I follow a simple procedure.
He wanted to ask me about my Bank account number to transfer the amount. He also suggested that I will receive this money from reliance life insurance, which was totally unbelievable. Finally, I had to shout at him to disconnect the call as I don’t believe this non-sense.


161 Manish Chauhan November 14, 2013 at 2:07 pm

Thanks for sharing that . You could have told him to come over to your office and give the money to you



162 Tushar December 24, 2013 at 12:34 pm

Thank you for your article.

It is quiet useful. I did receive one such false call on 20th December 2013.
However, I received a little different treatment this time so wanted to share the same.
The call was from +91-1165909013, claiming to be from Central Government Insurance Authority.
I talked to Alok Sharma, who took considerable time in explaining me the benefits and how Reliance is going to pay me for the my Birla Sunlife policy.
For Silver and Gold policy plans the returns were
Silver: 62525 ; with check # 006691 drawn on Bank Of Maharashtra
Gold : 95238 ; with check # 006692 drawn on Bank Of Maharashtra
As usual the push was to do everything as fast as possible and take a policy from Reliance for 3 months paying 30000, just to ensure that I will get the checks cleared at the end of March -2014.
The supposedly “Bonus reclaim code” was BT59323
He then transferred the call to Rohit Sharma, who again did the pep talk convincing the reality of this windfall gain I am getting and how my agent was a nerd who did not told me anything about the policy bonus and making handsome money.
Rohit again called from +91-8886339671 and had a good long discussion for almost 30 mins.
He arranged a meeting with Reliance individual for collecting the check.
He also shared his mobile number 888 2780622 in case I need any assistance.
Reliance person (or supposedly Reliance person), called within 30 mins.
He was trying to explain me the policy, which I never wanted to buy so, I asked him to call me back next day… which he was reluctant and was even keen to come at late night to collect the check.

The follow up happened on next day again, which I did not pick up – from +91-1165909012 for 3 times with 30 mins gap.

In nutshell, the strategy seems to have changed a bit
1. Now instead of cash in hand, they are looking for selling the policy, if possible
2. Questions around your existing policies and total premium you are paying, along with job location and job type were asked this time, to judge the ‘sell-ability’ of product
3. The little hard push on telling employee number and full name was irritant to stop the calls and follow ups.
The name – Central Government Insurance Authority, though sounds authentic and genuine, is a fake name and there is no legitimate body of such name.


163 Manish Chauhan December 25, 2013 at 9:03 am

Thanks for sharing that with all of us . Even in old cases, they used to sell policies


164 Anup February 8, 2014 at 11:09 am

The exact same thing happened with me today. But I don’t understand how & from where do they get the correct policy nos. & details???


165 Manish Chauhan February 14, 2014 at 5:30 pm

Hi Anup

Some employee might leak it for their personal benefit . Its possible


166 itsvibhor January 10, 2014 at 8:47 pm

Same here, got a call from 3 persons from different phone numbers, asking to pay 1 lakh to buy a Reliance policy, to revive a ICICI pru ULIP policy, they said they are from IRDA, Vishal Bharadwaj – 92665996 , Nidhi Sharma 8826412350 & one Ranbir Malik.

Luckily I googled at the same time about IRDA frauds & arrived on jagoinvestor – Thanks Manish.


167 ICICI Prudential January 13, 2014 at 3:54 pm

Dear Sir(Vibhor),

We have received reports about unauthorized individuals posing as official representatives of the company or regulator who are contacting customers to pitch new policies. We request you to be cautious and not share any personal information with them. We appreciate the fact that you have highlighted the issue to us.

To enable us to investigate on the issue we would request you to share your policy number with us by writing to us on Request you to quote the reference number 103051_aafx whilst sharing the details.

We hope our continued efforts help safeguard your interests.

ICICI Prudential Life Insurance


168 Manish Chauhan January 14, 2014 at 12:45 pm

Its a fraud !


169 Manoj KJain January 16, 2014 at 9:39 pm

I am getting regular calls fron No. 0120 – 4862855 & one more no. in the name of IRDA & ministry of Finance . They come to know , that I have a policy of TATA -AIA , which is ULIP based. The way of talking was in such a way that they are well wishers of the policy holders & bringing the awareness among investors, how Insurance companies cheat the customers to hide the real facts of Return on Policies. After some discussion ,they transfer the calls to each other & in last , they will say that , if they want their money back , then we have to deposit the amount of Rs. 32,687 /- to get the our invested back & we have to do it instantly thru NEFT. They will also say to you that , after today , our money will be invested in the market & we will even not be able to know about our funds for 10 years. Thank God that I have refused to them , & their eagerness to deposit the funds ,saved my money. If you say them to send a mail for details , their reply will be that they does not much time & have lot of files to finish. BE AWARE FROM SUCH CALLs , Specially when it is coming from 0120 nos.


170 Manish Chauhan January 20, 2014 at 7:30 pm

Thanks for sharing that Manoj !


171 Nishant February 28, 2014 at 12:29 pm

Hi i also got such call and multiple times(01204862855, 01204862655, ) , this is totally a fraud. i am unable to track this down.
however funny thing is that IRDA is not taking action in this reagard, they say if you have taken policy then this can be taken care else not, they should have some cell to nab these ppl.
Strange thing is that they have very detailed information regarding person they called, they know name, address, mobile, family information and even DOB as well be pretend them as genuiene.


172 Manish Chauhan March 2, 2014 at 6:42 pm

Thanks for sharing this!


173 Maya January 17, 2014 at 2:46 pm

Frauding People….. Bastards….. asked me to deposit 25000 bucks…….. I abused him as i knew it was a fake call…. funny conversation…..


174 Rakesh Gangadharan January 23, 2014 at 3:01 pm

I got one call yesterday from 926637895.claiming calling from irda,bonus of my birla sunlife is with around 92000/ want that or let broker take that.our senir officer will call you tomarrow.i said from 9211549753. i got a call intriduced mr.rahul.he told the same.he told me i have to pay 40000/- in the name of reliance or bharti,but the amount will be refunded after 120 days along with the 92000 bonus.i asked him can u give this things in writing.or can you mail me the details.he said after giving the money i will get all the documents with in 20 days.nothing in writing before that..i told him ok..anyway i recorded all our conversations.let me enquire about this if found fraud i know what to do…he disconnects the call…..friends beware of such frauds…


175 Brijendra Tiwari January 25, 2014 at 4:54 pm

I just received similar call from Ms. Kanika Sharma from hyderabad. They told me similar story about that, i have exdtended benefits on my policy of 90000/- which is not conveyed by ICICI pru to me. You policy is mediated by AGENT and Branch. Those guys going to get this benefit.

These guys work in a group and forward call from one-to-other. The last person told me about how i can recover this amount through BHARTA-AXA by depositing security amount of 45000/-

The moment i heard this, i started suspecting this call as fake. Luckily when i got this call, i was on my laptop. I searched meanwhile and got this link. Thanks everyone for this post. You guys saved me. I am sharing this to make everyone aware of what’s going on around. People with no fear of law doing all this in broad daylight.

I am going raise a official complain against it.


176 ICICI Prudential January 27, 2014 at 6:59 pm

Dear Mr. Tiwari,

We have received reports about unauthorized individuals posing as official representatives of the company or regulator who are contacting customers to pitch new policies. We request you to be cautious and not share any personal information with them. We appreciate the fact that you have highlighted the issue to us.

To enable us to investigate on the issue we would request you to share your policy number with us by writing to us on Request you to quote the reference number 103051_aagb1 whilst sharing the details.

We hope our continued efforts help safeguard your interests.

ICICI Prudential Life Insurance


177 Manish Chauhan January 30, 2014 at 6:27 pm

Thanks for sharing that ! Have you already complained about it ? Where did you complain ?


178 Vinay February 13, 2014 at 5:20 pm

I Got Call from Fake IRDA person saying he is government official and help to clear bonus which pending in our name….first time he called i believe its true then the way he was speaking and his language I got doubt…he was asking me to give LIC insurance number…I said i can give you after 2 hours..mean while I googled about these types of calls and saved my self…when he called next time I told him that I have given police complaint and your call is tapped…then he was telling that even if you give complaint to CBI also nothing will happen…This type of daring people and our system is like nobody can stop these people….IRDA and LIC or our useless government should take necessary action on these types fraudulent people.. ​Phone # which I got calls is +911409807200, +911409804221, +911409804224


179 Prasad February 23, 2014 at 8:09 pm

Hello Investars,

I got a call from IRDA ( Mobile : +91 7503453901, Landline 088 26358275) and they told my Policy Number of ICICI Prudential which have already surrendered in 2011. They are now saying that I didn’t claim my Loyalty Bonus of 111959 Rs and today is the last day for it. So it can be claimed if I take the Reliance Life insurance of Super Money Back plan of 30000 Rs and agent will be arranged by them only. Once have taken , then in 2 months will get 111959 Rs and then I can cancel that Reliance policy.

Then I have asked them to send the details through mail so that I can go through it again etc…. but they said that is against to their authority and can be provided once have taken the 30K policy.

I understood that it is fraud….So investors this another way of fraud.


180 Manish Chauhan March 3, 2014 at 11:46 am

Thanks for sharing that with all of us !


181 Nilesh February 27, 2014 at 1:46 pm

I also the call…Number s are as below:

Sonakshi Malhotra: 09990598107


182 Manish Chauhan March 2, 2014 at 7:01 pm

Thanks for sharing !


183 Prasad September 18, 2014 at 7:07 pm

A lady, and then her ‘superior’ called me claiming to represent LIC office from Delhi. They told me I had some amount accrued in my name against the policy. They expressed their comfort speaking in Hindi and not in any other language, though they occasionally spoke in English. He also told me that the local LIC offices will not be having this information, The guy told me that I would have to take a policy in Aegon Insurance. Finally he told me his bank officials would call me the next day to obtain my ‘bank account number’. That was when my SUSPICION of this being a FRAUD got confirmed. The phone numbers from which they called (Land line – +911409801051, and the mobile number he said he would be available on is 9533022403)


184 Manish Chauhan September 20, 2014 at 11:05 am

Thanks for sharing that !


185 Naresh February 27, 2014 at 2:32 pm

Today Morning, I got call from land line and He (Arvind)was saying ,I m calling from Central govt of insurance authority. He told me on behalf of my LIC policy,one bonus amount Rs 50,380/ was issued on 5th April 2012. But Bonus code given in my policy was of my agent so it went to his account and due to some circumstances,it got canceled and came to our department only. Again next Bonus amount of Rs-1,75,280/ is going to issue on 30th april 2014.

He explained me nicely how we normally do mistake while filling up all these forms and will put our signature on behalf of agent trust. His explanation was LIC use their money in DMRC,DLF,MDC and agent clicked all these options and he is getting bonus amount instead of Lic holder.

So he told he will transfer call to his senior (sudhir malhotra) for changing Bonus code or transfer Bonus code on LIC holder name.

Call got transferred to Vikas Gupta(No matter who is handling this call), He gave me little overview of past discussion with Arvind.

Now for changing Bonus code,He was suggesting some options

1) I have 23 insurance companies like Bajaj,Birla sun life,Reliance,Bharti etc
2) I can go ahead with Reliance,Birla sun life,Aegon Religare with premier of 30.500,40,300,45,200 correspondingly and it will be name of their companies only.

Normally when Money comes into matters then our mind start thinking more so a lot of questions came into my mind also and started asking questions
1) what is relation between two insurance company bond?
ans: Code can not be generated through same insurance company several time . Then I asked u said this code is generated for my agent not for me then it can be created then response was no its already on your policy this is reason. Without having more knowledge,i was not able to argument more.
2) Why you are informing me all these on phone calls?
Ans:We are authorized to do this and we have a lot of files to clear it and reach to customer to return his money without any interest .As we are employed here to do this and we are getting salary for it.
After this,I got full doubts on this discussion and I understood something is wrong then started asking more questions .
Normally,PF,TAX,Bank,LIC they wont do all these on phone as we know but it was little strange.

3) I asked all documents related to LIC comes in our mail so why there is no intimation in my mail?
Ans: while filling Lic policy,are we getting mail for any bonus,maturity etc?
4) How can I trust on all these because there are so many fraud calls are happening nowadays and
people are getting cheated with all these:
Nice ans: I work for 24*7 and I m giving my mobile number 08130817348 ,you can reach me at any time till your money refunded. (It gave me clean chit of fraud). As we know how hard to reach Government offices calls like PF,TAX etc.very hard to reach them and he was telling he will response 24*7.
5) What is process of going forward?
Ans: You need to select Reliance,Aegon Religare,Birla Sunlife for mentioned premium and take one policy without disclosing that you r doing to get reimburse your loan bonus.
6) What documents are required for this?
Ans : Photocopy,Pan card,DL,Cheque Number,MICR code and cheque will be on name of “Reliance life insurance company limited”
All these will happen within 45 days and you will get your bonus and your Reliance policy will get closed and you will get your premium amount with 500 deduction. I told
my doubt is normally during certain period of policy tenure,we are not getting money back in any policy so he told with confidence we are doing and we already did like so many cases.
All was good explanation,then I asked its better to go ahead in my locality,i will go ahead for genuine policy with head office of Reliance in Bangalore then he said I can go ahead but don’t give any clue u r doing this for bonus reimburse.
He asked shall I go ahead for reliance life insurance then I will get call from reliance life insurance head office.
Then I said ,give me some time ,let me inquire what is it?

I checked google first with “central government insurance authority” with keyword and got this link

After reading this blog, I understood this is clean fraud.

After 10 minutes,I got call from reliance life insurance company and he was telling I m calling from “reliance life insurance company ” Delhi and my name is Ravi chandra kumar and interesting thing was he was same person who called me first time in call ,I identified voice clearly.

Then I asked how u reached Delhi in 10 minutes from Mumbai?
Which transport u used now?
What is your employee id as I have my friends working in reliance insurance .I want to verify and he said I dont have employee id :-). very ridiculous

After that I gave nice speech “ People are doing hard effort to earn single Penni and people are busy in their life schedule and they are complete busy to maintain,manage family problems and why u people are harassing innocent people. If you like to earn huge money in short time then give effort in genuine way in genuine place so that it will calm your mind and heart. Read some blog for getting motivated ,read biography of sir Abdul kalam,Swami Vivekananda etc. Don’t create problem in people life. “.

After speech,He said I m sorry sir, I m sorry sir. He cut my call.

I think definitely he knows he is doing wrong and his heart was not supporting to do this else he wont say sorry to me. But due to some circumstance or due to stomach hungry,he was doing this. From voice, I can make out he was not too much experienced person(Might be age 18 to 24)

I am also common man and I can not do big promise but with humanity ,if any person(student/children) who is doing this kind of wrong job just due to stomach hungry or unable to continue own study then I promise I will sponsor one student for his study if case found genuine. If some more people will think like me then definitely I know there are so many person who has this kind of attitude and it will help some students to achieve their target and we can stop this kind of scams .

We know ours administration ,we can complain but catching scams people will take years and scamers will do their job and make money from innocent people . We innocent people will suffer as I can see so many person got cheated in this blog. It does not mean who shared their comments ,only those person got cheated .There were several person who got cheated in different scams but they wont mentioned. Even people are there who wants others get cheated as well.

So its my sincere message to people to be aware from all these scams and make aware to others also.


186 Manish Chauhan March 2, 2014 at 7:00 pm

Thanks for sharing this in detail with all of us :)


187 MAnish March 6, 2014 at 2:39 pm




188 Manish Chauhan March 12, 2014 at 6:06 pm

Inform the company about it, not sure if you have given any info which can be used to liquidate the policy ?


189 ak sharma March 12, 2014 at 5:32 pm

today i have received a call from central govt insurance authority of india Mr aditya agrawal and next Mr ashok mehra both i talked but indetails with Mr ADITYA AGRAWAL HIS MOBILE NO.09350051117 .he told me that bonus of my policy my agent are not clear disclosing so my file for the sake of realise my bonus amount is Rs 192500/-Rs one lakh ninety two thousand and five hundred only is realised and total documents file with him so if i like the above said amount than i have to do some formalities such as (1) two photo(2)adress proof(3)PAN card xerox copy and (4) cencelled one cheque leaf (5) one cheque of Rs 49500/-Rs forty nine thousand five hundred cheque fee for the activation of my bonus a/c that is called bonus core a/c. and a/c told me as BT 142345AND FILE CODE NO BA-142346 AND PLZ COURIER BY M/S ANJANI COURIER TO aditya agrawal or ashok mehra,at no.B2/1,SHIVAJI MARG, MOTI NAGAR,NEW DELHI-110015.BUT I am writing u and i am not sent any courier plz tell me what is real and fact thanking u ak sharma,mobile nos.


190 Manish Chauhan March 12, 2014 at 5:50 pm

Hi AK Sharma

I am not sure what is your query here, if you want to complain to banking ombudsman, you can do that on their website


191 vinay jain April 2, 2014 at 5:31 pm

An agent can call to persons for selling the life insaurance policies or not. It is legal or illegal.


192 Manish Chauhan April 10, 2014 at 2:22 pm

He can call ! , Whats wrong about it !


193 niklesh April 8, 2014 at 11:57 am

8459161396 irda fake no


194 rahul April 10, 2014 at 6:44 pm

what the hell nobody informing to police regarding this kind of issues……….

fake no is 7428991298 and Alok Sharma 8882780622 and Avinash rathod 9312090188 all are delhi no


195 Manish Chauhan April 21, 2014 at 4:20 pm

Thanks for sharing that Rahul .. why dont you take the initiative and inform the Police on this ?


196 Prashant December 15, 2014 at 7:45 pm

Hi Manish,

why these Insurance companies entertain such fraud agents/agencies , how their data shared with such fraud peoples,I asked this question to one of the employee of Birla Sunlife in their office, and he told me that “few years ago data was leaked “. It seems, Insurance companies know which agencies are fraud but they are getting business so not interested to take any action against them. I also got cheated by such agencies , I went to police they told me to forget what happened with you and from onward be alert. I am hope less, these people will continue cheating and we can’t do anything against them.


197 Manish Chauhan December 26, 2014 at 3:20 pm

Yes, but you can choose to be not fall for their promises , cant you ? Can you share who you got cheated by them ?


198 K San April 14, 2014 at 4:43 pm

Hi I received a call from a lady claiming herself as a IRDA employee trying top help me as she has received a NOC from me in favour of Mr. Agarwal, She asked me for my Date of birth for further verification and then hung up the call. On calling back on the same no 07533097221 she kept on disconnecting the calls for 6-7 times. On my 8th trial she picked up the call and replied that she was trying to call me and she narrated my residential address which was correct. What kind of prank is this? Is it really harmful? Please help?


199 Manish Chauhan April 21, 2014 at 3:24 pm

Yea .. its just a fraud .. tell her you are making a police complaint !


200 K San April 21, 2014 at 3:39 pm



201 jaywant sawant April 21, 2014 at 12:06 pm

received call from ishant malhotra asking me to deposit rs. 30000/- so that he can release payment rs. 181527/- of k.s.sawant my grandfather who died 20 years ago.
since I knew this was fraud I told him that I don’t have any money.


202 Manish Chauhan April 21, 2014 at 1:40 pm

Thanks for sharing that !


203 DSK Rao May 9, 2014 at 7:04 pm

Dear Friends,

Today(9th May 2014) I received a call from one Bharath Kumar from Central Government Insurance Authority , Mumbai with Cell No: 08130817348 regarding Profit Plus Policy I had taken in 2007 from LIC India. I had paid 3 annual installments of Rs.50,000/ total amounting to Rs.150,000/. He told that out of that amount 45% is invested in Government Securities and many cheques including the last Cheque of Rs.31,163/ was sent to the Agent through whom I had taken the Policy and the Rs.145.389 is the value in Government Investments. I was advised to immediately call his superior Abhishek Malhotra and asked me to Quote New Agent Code BT00179 and File No:LIC1392/RAO. I was given Malhotra’s Number as 08750952083. When I called Malhotra, he advised me that the LIC Agent was send all benefits which never reached me and as a Government Official vested with clearing my file and sending me my amount, I should change my Insurance Company to Birla Sun Life Insurance. When I questioned why I should, he said he will not act on my file and the amount will go to Government Treasury.

Till date I have not received any amount from LIC and after complaining to ZONAL OFFICE, LIC I had received the Policy Discharge details in December 2013.

There is definitely a big SCAM as these callers have all my Policy Details including MY CURRENT RESIDENTIAL ADDRESS which I had never given in any LIC office!!

I will also be reporting to LIC & other authorities in due course.




204 Manish Chauhan May 19, 2014 at 1:39 pm

Thanks for sharing that .. please inform about it to LIC


205 Sanket May 13, 2014 at 4:28 pm

Dear Sir

Similar calls were received by me today from the following numbers by name of Bharat Kumar No. 8750952083 and Ashok Malhotra Mobile No. 08130817348
do try to take action with the help of Cyber Police.. Thanks


206 Manish Chauhan May 19, 2014 at 8:55 am

Thanks for sharing that !


207 vijay k May 15, 2014 at 8:11 pm

I received call calming that IRDA supporting company ,saying that LIC got good profit so they are sharing profit with their customers.To Get Bonus of 1Lakh I should take HDFC policy urgently directly from company.

I should not inform to agent or call to LIC or anybody.

calling no .9313702431,7428662025,9350503398


208 Manish Chauhan May 19, 2014 at 8:46 am

This is just a fraud .. dont get into this !


209 Darshan May 17, 2014 at 11:49 am

i have received a similar call from the 8743063535..& some one was speaking from insurance verification department… Pls be aware ..of such fake calls


210 Manish Chauhan May 18, 2014 at 9:34 pm

Thanks for informing us about it !


211 Rakesh May 26, 2014 at 5:04 pm

Today, I recevied similar call from 9313702431, Please beware of such fake calls.


212 Manish Chauhan May 29, 2014 at 10:12 am

Thanks for sharing !


213 Hiren May 30, 2014 at 12:10 pm

An Experience of Fake Call…. Given below of today, 30May2014… Check it out and beware do not get trapped into this…..

Today I have received a fake call from this number : 08459438147. They mentioned they are calling from IRDA and they also mentioned that IRDA normally do not call any one but if there are any problem with your file then they give a call. According to them, IRDA has legally had flights with insurance agents about high commissions and then amounts getting invested into stock market. They have recovered 2.4 core from such insurance advisors which they want to distribute among several policy holders. The amount which they want to give me is 2.45L which is not a bonus, not a policy redemption amount but a scholarship amount. If I want this amount they their person will visit my address (I am surprised that they had my name + address with them, that’s it I think no other details). They claimed that someone called Mr Autual Shah has filed my papers to collect such amount which they found as fraud so either they will cancel my file then I will not get money or they will correct my file and process it then I have to pay 35000 deposit for 2months 10 days. For a illiterate / unaware people about insurance and what is IRDA this is a really very easy trap. Person started asking my personal details, and when I say I will not share anything then all of a sudden he disconnected the line.. beware. This is a fraud and fake call. IRDA cant call to distribute money.


214 Manish Chauhan June 11, 2014 at 11:40 am

Thanks for sharing that !


215 Ankit May 31, 2014 at 2:39 pm

Manish ji, mere father ne kisi ravi mittal jo ki apne aap ko reliance ka agent kehta tha aur bonus dilwane ki baat keh kr ke..3 companies (reliance,Hdfc,kotak mahindra) me 34 lakh rs. ki policy krwa di. Hme har policy ke documents mile h par hm aage premium nhi bhar skte to hmari policies laps ho gyi h. Company wale kehte ki aapne sign kiye hue h, hm kuch ni kr skte.
Kya aap koi sujhav de skte h jisse hmare paise doobne se bch jaye.


216 Abhay Shah June 5, 2014 at 1:01 pm

Today I also received similar call from cell nos 09350194468, Thanks I refreshed to this site by doing Google, I gave them and they dropped the call.


217 Manish Chauhan June 11, 2014 at 10:41 am

Great … thanks for that


218 Umesh Kankal June 11, 2014 at 11:58 am

Hi Manish,

I have received a call from a person Ajay Sharma from 9350772432 last week, and today from a lady from 9350819657, stating to be representing Central Government Insurance Authority. The person informed me about some pending Bonus against my policies, from other Insurance companies, and HDFC Life. (I have not taken any policy from HDFC Life so far).
The modus operandi of these fraudsters seems very organized. However, I fail to understand how they get hold of our personal information – Full name, address, Date of Birth, policy details, etc. Any idea if this data is already made public by IRDA or the Insurance companies?


219 Manish Chauhan June 11, 2014 at 12:05 pm

It might happen that some employee is doing it ! .. Not company !


220 Mahadevan June 21, 2014 at 12:23 pm

Just got a call from some ICV Department. It took a lot of prodding for him to tell me that it belongs to IRDA. No. is +911165515621. The voice on the other side was a typical Haryanvi guy, speaking in Hindi.

I was curt and cut him before he could waste much airtime, thanks to this post in Jagoinvestor.


221 Manish Chauhan July 3, 2014 at 11:19 pm

Thanks for sharing that !


222 BJ June 27, 2014 at 3:07 pm

Received a call from+911409801051. Lady told that she is from IGMS Delhi. This call regarding final verification on benefit amount on my old policy. Benefit amount was 2.35 Lac. Then she spelled my name and address correctly. She told currently this benefit amount is being claimed by a person Neeraj Sharma whom I have nominated. She asked my if I knew Mr Neeraj Sharma….in between when I started asking questions..she gave me some IRDA registration number and transferred the call to so called complaint department. Another lady was on the phone and told that if I have to claim the benefit…I need to make payment of 42000rs. Before asking for payment, she was asking about my financial condition.

Finally lady disconnected the phone when I started questioning.

Please be aware of such fraud calls.


223 Manish Chauhan July 3, 2014 at 10:43 pm

Thanks for sharing this case .


224 amar ante July 7, 2014 at 12:23 pm

I too received a call from phoe number 01401308845, lady named Pooja Sharma (?) from IRDA (?) saying that my policy is about to mature and will help in getting the money. (actually she called to Mr Shilwant, which I am not – hence it was a wrong number but still I continued). On replying by me “but IRDA does not call to customers”, she said “Apna deemag mat chalao” and disconnected the phone. So all should be aware of such fraudulent calls.


225 Deepak DE July 23, 2014 at 4:44 pm

I got a call from Ms Niharika Tiwari few days back and today from Ms Vandana Garg , regarding Reliance Life Insurance policy which is having problem.
She has asked me to send a cheque of Rs 15,000/=, Pan card, Ration card, Adhar card documents along with with 2 coloured photographs of self. She wanted me to post it today by 5 pm, otherwise the file would go back .
They represent Central Government Insurance Authority of India , D-79, sector – 6, Noida, dist-GB Nagar, UP, 201301, DELHI NCR, 08588016590 .
She added that the money has been invested , in some railway project against which she would give me back a sum of amount Rs 1, 46, 985.32.


226 Manish Chauhan September 21, 2014 at 1:07 pm

Its a fraud call


227 MUKUL July 31, 2014 at 12:29 pm

This is related to the Fraud call I received yesterday ( 30.7.14) from Delhi region saying that the person ( Aryan Khanna-9136699616) is calling from GBIC dept of IRDA and I have got some bonus from my Birla sun life policy, which is going to be transfer to agent account in next 24 hrs, and if I want to get this amount I have to full fill some formalities immediately. At that point of I thought of that this person must be a fraud as IRDA never calls to any customer regarding policy and the policy which I own does not have the bonus clause as such. Still I continue with the talk saying that I am interested . Then he said that ok I am forwarding your file to the concern department . After some time I got a call from One lady ( Nikita-9212428708) saying that she is calling from Axis Bank Noida, and she is having a cheque of Amount xxxxxxx) which is going to be transfer in the agent account by 2:30 pm and If I want to get this amount in my name I need to full fill all the formalities by 2:30 pm after giving a call to Aryan.
Then I received the call from Aryan saying that I have to give a cheque of amount of 35000 in the name of Reliance life insurance company which will be utilize for RGP ( Reliance growth plan) for one year and the amount will be refund back after one year with 42000 INR. And the bonus amount of Birla sun life will be credited to my account after 90 days of completing these formalities. After that I got a call from another person ( HK Mehta-8459430167, 8459531543) from so called “Reliance insurance delhi” office that as I want to have the bonus amount, I have to submit the documents for which he is sending one person to collect it from my office address. After that I got their (Aryan and Mehta) call after every half an hour for submitting the document and I said that as I am busy with my work so I will be able to hand over the document in the evening or tomorrow. But they were so desperate that they started saying that if I will not submit the documents now I will loose that Bonus amount.
I said ok give me your email ID I will forward all documents after scanning to you and then he was not able to answer that why he want all documents in hard copy. When I confronted him for the fraud he was trying to do with me, he ( Mehta) accepted that they were trying to do a fraud by doing the investment in reliance life insurance of my money and basically they are from some Broker agency and for each policy they will get some commission.
After that he started saying that kindly do not launch any complaint sort of thing against them as their intention was just to get business out of my money.
I am sharing this so that more and more people get aware of such fake calls, who claims that they are from IRDA and cheat the innocent people. Also request IRDA and other insurance agency to take action against such brokers who are playing with their brand name in the market and ultimately creating a negative impression in the mind of common citizen.


228 Manish Chauhan September 20, 2014 at 6:48 pm

Thanks for sharing that !


229 Shubham August 8, 2014 at 5:05 pm

Today i got a fraud call from a guy claiming that he is from IRDA..i called up the IRDA call center and came to know about this whole FAKE GAme…Beware my good citizens


230 Manish Chauhan September 20, 2014 at 6:06 pm

Thanks for sharing that !


231 SAMZZ August 13, 2014 at 12:25 pm

Do not fall in Trap by giving our your credit card details if you get call from 8860167419. Caller name Aman Sahni (i’m sure it is false name), this guys take our ur credit card details & loot u. Beware of them.

They called me this morning (13-Aug) around 11:30 am saying they are calling from MASTER VISA VERIFICATION DEPT’. I asked for Credit card had u called me, they first said “your HDFC Credit card,” I said, I don’t have it, then they said, “Sir u didnt hear me, we said Axis Bank”.. I said I didnt have Axis Bank card too, they said “sir its ICICI card”, i said i didnt even has an ICICI credit card & I got a feeling its a fake call then they abusing me. I asked their office details & they started giving a wrong address.

In case if u get these calls, tell them don’t send anyone rather give ur office address we’ll come to submit documents. I’m sure they wont give u address, in case if they give Beware of going to this unknown places & register a complaint.


Always check I-Card of person who comes to collect documents from u, take his mobile number & your application acknowledgement too.


232 Manish Chauhan September 20, 2014 at 5:47 pm

Thanks for sharing it !


233 piyush August 29, 2014 at 12:38 pm

I received a call from +91 8750656582
some one yamini speaking / asking
if you have any problem regarding policy you have take from any company and says she is from a insurance related govt dept. and even when I say there is nothing like that, Insurance dept. never like this she tolk me you can complain for this anywhere.
these people don’t care for complain. ??!!


234 Manish Chauhan September 20, 2014 at 4:11 pm

You can complain for this to Police


235 DEEPAK September 9, 2014 at 6:41 pm


Today, I got a call from the no 09289229472, some Mr Nair spoke to me, saying that he was calling from the office of IGMS located in 3, Jeevan Tara Building, C P. Delhi, and he apprised me that there was a sum of Rs 185210 lying in my account by way of additional dividend/bonus released by SBI Life insurance which would be forfeited by the 15th September in case not withdrawn by the insured. He also apprised me that since there was an agent lock in the account hence the amount cannot be released to my account, for which purpose I need to get to know the procedure of how the formality of surpassing the agent lock code be made possible. He advised me to talk to some Mr Khandelwal who would advise me the procedure of breaking this agent lock, for which purpose he put my phone on hold after talking to me for than 20 minutes, and after about 2 minutes waiting, the call was transferred to one Mr Karan Malhotra, who came on line and apprised me that my file no was FD 100403 and he repeated the same thing Mr Nair had explained, Mr Karan give his number as 09289229564, he said he was the secretary/pa to Mr Khandelwal, he was there senior officer and he would transfer the same call to him who would suggest the procedure of getting the amount from IGMS, after breaking the agent code. the call was again put on hold for 2 minutes and Mr Kandelwal came on line, and tried to impress me by calling me Chota Bhai, pretending to be elder to me, and when I asked him how should I go about pursuing the matter, after presumably becoming pally with me on phone, and showing that he is of a helpful nature, he briefed me that because the agent lock cannot be broken, there is a via media, which is that Mr Karan Malhotra, his secretary, will again come on line, & will send mail to either Birla Sun Life Insurance or Bhartia Axa Life insurance company, who shall contact me and i should take a Govt. Guaranteed policy, which policy is managed by the Head office of the company and this policy should be taken with 2 endorsements in it (a) that the policy should have a D2C code and (b) it should have PDF services.. He also advised that I need to take the policy by paying Rs 31272/- as premium which would be returned to me in a course of 3 to 4 months since the endorsements are going to be there. What I was required by them to do is to give Mr Khandelwal, the application no. and the cheque no and bank on which the cheque was issued. Once these details are advised the lock can be broken and the amount of Bonus/dividend would be released. the ph. number of Mr Khandelwal was given as 09211728139.
In order to reach to the bottom of this racket I went a step ahead and cross checked all the numbers given above, which were answered, I asked mr karan to ask the insurance company recommended by him to call me.
In 5 mts I get a call from Mr Gaurav Mishra, 9211728141 of Bharti axa life who briefed me about the features of the policy, and what was shocking is, that as cautioned/guided by Mr karan and mr khandelwal, Mr Gaurav Mishra was ready to ask me the question, as to why I want the above 2 mentioned endorsements on the policy, as if to confirm the genuineness. However when I confirmed to take their policy I get a call from Mr Rishab ph no 7525007802, again from Bharti axa life calls me from my own city in next 5 mts asking me when to come and take my documents and cheque, for issuing the policy.

All this procedure of a possible fraud which did not take place today the 9th sept. 2014 is an eye opener for all who are still safe and have not come under the clutches of cyber crimes which are increasing everyday in our country.


236 Manish Chauhan September 20, 2014 at 3:07 pm

thanks for sharing it with us !


237 Vikas September 15, 2014 at 1:16 pm

Got similar fake call from number 7827044452.

Is there a way to report such numbers and IRDA/authorities track these crooks?


238 Manish Chauhan September 20, 2014 at 2:34 pm

Its not a IRDA issue . It has to be filed with Police !


239 Vijay September 19, 2014 at 3:56 pm

I received a call from IGMS. They are saying that they will help out getting money back from an insurance company on false promises. But they are saying that I have to Invest 30000 rs in Future generali which too will be paid back once the agent code will be generated.
Please tell me what to do.


240 Manish Chauhan September 19, 2014 at 5:12 pm

Its FRAUD :)


241 Vijay September 19, 2014 at 6:13 pm

I want to complain for this. Just wonder where I have to call to…


242 Manish Chauhan September 19, 2014 at 7:04 pm

Its a fraudulant activity . Tell police about it



243 Inder October 13, 2014 at 6:31 pm

My Father got a call today from a person claiming to be from “Central Government Authority Insurance Verification Department ” with Name – Ravi Kumar (ID – ELEO264321) with regards to LIC policy.
He was adamant on us providing Policy details/Nominee Name today itself. Else he would send the file to cancellation department.
Tone seemed to be like warning call.

Have reported the matter to LIC cell. Not confirmed but looks to be fraud call.


244 Manish Chauhan October 16, 2014 at 4:10 pm

Thanks for sharing this . This is a fraud call and should be reported to police !


245 A Nagarjuna Rao October 14, 2014 at 6:31 pm

Hello guys same fake calls got from bunch of fraud guys… let me write the names which i got the calls from:-
1. Prakash Gupta:- LIC office Delhi…. 09212790750
2. Goyal Khan:- call was forwarded to this girl
3. Day 2 Zoya Khan:- RLCF corp c38, 4th floor sector 23, noida pincode- 201301
First two guys said i got bonus of 89880rs then they said agent and branch office where we applied the policy are trying to take the money. They even said agent 40% and branch office 60% .
DAY 2:- Zoya khan called up and said pay the money 16,000 rs to RLCF Corp…
Note:- They all gave their personal numbers amazing isn’t it… i thought wow since when did these office guys started giving their personal number. Please be careful folks.


246 Manish Chauhan October 15, 2014 at 10:16 pm

Thanks for sharing that !


247 Sanjay October 25, 2014 at 12:19 pm

My relative has lost nearly INR 10 Lacs in such a fraud, if you have any remedy or way to recover the money, please contact me. Most money was given by cheques.


248 Manish Chauhan November 5, 2014 at 2:52 pm

Its a fraud case, only Police can help here


249 Jitumoni Hazarika November 4, 2014 at 6:57 pm

Dear Mr. Manish
I got a call from IRDA. She will help recovering the money which did not grow in one of my ULIP based policy. She transfer call to mr. Manish Kapoor (09873261120) I give my policy no. After 30 minutes Mr. Vishal Malhotra(09873145112) call me from IRDA CAD dept. reference with Mr. Manish Kapoor.He suggested to send a cheque of Rs. 48000 in favour of Reliance Life Insurance co.Pan card, a cancelled check, and nominee birth certificate. Then I would receive a Fixed Deposit bond of Amount Rs. 400000/- and maturity date 17/04/2015 . I would receive the above said amount + 68920/- Total 468920/- transfer to my account.
To my surprise, They knew everything about my policy e.g. date of first premium, amount of premium, mode of premium payment (QLY/HLY/YLY), current fund value they knew My premium has been complited Rs.352000/-(7 th pay)
So far I have not given any document and/or cheque.
Upto what extent all these calls are true?
If it is a fraud call, then how these fellows have access to all the information pertaining to my policy?
What should I do in such case?


250 Manish Chauhan November 4, 2014 at 10:06 pm


IRDA never calls anyone .


251 LLoyd Fernandes November 30, 2014 at 10:56 am

Got a call from some one posing to be from LIC saying that is unclaimed bonus policies taken by 2010. When I queried his name he said that he was from a call center and his name was Adis Kumar … No 1204762150 . He asked me to contact my agent to get the refund. I did get the Birla Sunlife insurance call as well but just ignored it .


252 Manish Chauhan December 3, 2014 at 12:48 pm

Avoid it . Its fraud !


253 Meena Shivram December 19, 2014 at 3:55 pm

I have a 19 year old endowment policy from LIC (Children’s Education/Marriage policy) which is maturing on 2020. I have been paying premiums regularly and periodically check the LIC website to know about the vested bonus and to pay premiums online.

Yesterday I got 2 telephone calls to my mobile from 2 persons – 1 lady (no. 8459494758) and 1 gentleman(n0 9136036326) claiming to be from a Govt dept called GBIC, Mumbai(Governing Body of Insurance Council and they have a website and they told me that my agent has filed a disability claim against this policy for around Rs 210,890 on my behalf and they can help me in recovering this amount . I was shocked to hear this as I was not aware of any such claim and these people sounded very genuine and seems to have details of my complete residential address, name of my agent and gave me the file registration id IR0094625407APH of the Insurance claim filed on 26th march 2014. They also claimed to have sent 2 letters to my address on march and august but I told them that I have not received any correspondence.

I went to the LIC branch from where I had taken this policy today to know about this so-called claim. I could not meet the Sr manager from LIC but there were about 4-5 LIC agents there who met me and told me that there is no such claim and it is a big fraud to defame the agents and many LIC customers have complained about it and at least there are lakhs of such cases in Delhi itself. Many agents claim to have lost business due to this fraudulent calls and suggested that I file a police complaint against the mobile nos.
I can see that many people have fallen prey to such scamsters although in my case they did not claim to be from IRDA.
Also I want to know is there a dept called GBIC ( or is it a fraud?


254 Manish Chauhan December 26, 2014 at 2:26 pm

Yes, its a scam and you will find many other cases reported like this . Just ignore it and if possible please file a police complaint as well . Because its also an issue of leaked confidential data from insurance companies !



255 Arun December 26, 2014 at 1:02 pm

Call received from: 84594 33973

The caller (a man) said he was calling from the funds department of Max New York Life department and was enquiring about services I have been receiving from the company and agent. Since I had got a similar hoax call earlier, I asked him to go ahead and said some of my friends have got fraud calls. The person immediately hung up!

Please be alert and check with company directly before giving any info/ money.



256 Manish Chauhan December 26, 2014 at 1:30 pm

Thanks for sharing that Arun

Yes, a lot of fraud calls like this are going on in market ! ..


257 Namaste India December 29, 2014 at 2:28 pm

I received twos calls since yesterday promising accumulated bonus payment provided I pay them refundable 40000 upfront. Be aware of these numbers:
9718528340 (AbhijeetRoy)


258 GANESH MURTHY January 2, 2015 at 6:19 pm

Just now, I received a call to my landline stating that call from New Delhi Insurance Verification Office and informed my name and address correctly. The lady spoken in Hindi and asked me for details about My LIC policies. I am not aware of this fraud people, I have orally given 3 Lic policies details, immediately she informed that 1.00 lacks bonus amount is pending for payment and file has come come for cancelation and amount will be credited to govt. Account. The LIC agents are responsible for this and she has taken my Pan no and also adhar card no.There after she has given me the file name and told me that further other person will handle the case. Before that I told the lady whatever information I have given is sufficient and send me the cheque. She has not agreed and told that other person is from Reliance Investment and he will refund the money. I told that what is this ? and What is the connection to Reliance Person here? I started to doubt this told her I will come back tomorrow after verification. Tomorrow is Sunday and they have to close the file today. I have not agreed and phone call stopped.
Immediately I GOOGLED IRDA PHONE CALLS and got this useful information. I don’t think she will call again Monday. I thank you very much for the information.


259 Manish Chauhan January 3, 2015 at 10:50 am

Thanks for sharing your real life case Ganesh !


260 om January 3, 2015 at 12:49 pm

If one has become a victom of this type of crime where the matter is to be reported?


261 Manish Chauhan January 3, 2015 at 5:52 pm



262 Avinash Kumar January 6, 2015 at 5:13 pm

First of all thanks for this website, it will surely save many people to fall in such traps. I got a similar call yesterday and the person was claiming to be from IRDA. He told me that I have recevied 1.68lac bonus amount on my LIC policy and my agent is claiming this amount and he has a signed authority letter with my signature to do this. If I want to claim this amount then I have to purchase another insurance policy of 50000. I got the feel that this is a fraud and started ignoring their calls. I was getting calls from two numbers:
08459456255 – (Don’t Remeber the Name of the person)
09136036326 – Purvi Sharma

These people should be nabbed for faking such fake calls and stealing hard earned money of innocent people. Since I have the access to internet and I could easily figure out this is a fraud but I’m sure most of the innocent uneducated people will fall in their trap.


263 Manish Chauhan January 8, 2015 at 5:55 pm

Yea .. true ! . A lot of people have actually fallen for this fraud and lost money !


264 Rajeev January 16, 2015 at 12:37 pm

First of all I would like give many thanks for this portal, it is sure that many peoples are traps in fake calls. I have pick this type of call yesterday and the person was claiming to be from IRDA govt of India. She told me that If you want stuck money from your IDBI company policy then give me Rs 30000 cheque, with photo address etc for HDFC policy and after that she can help me and revert the stuck money. She was talking very familiar as a innocent girl and again and again tell me about that many peoples are calling fake calls like that but she is very good girl and realy want to help out for my money.
After that I check fake calls list from IRDA and Insurance company and found that she was also fraud and fake. I was getting calls from number: 01143132390 (Sonia Mehra)


265 Manish Chauhan January 24, 2015 at 4:02 pm

Thanks for sharing those details with us !


266 Sanjhi January 27, 2015 at 4:31 pm

I have been receiving calls from a men stating he is from means some hidden bonus from LIC which the agent has not gave us, so they want me to book some policy so that they can issue me NOC on my all policies, from
1) HDFC- 70,000 and will provide in 9 months,

2) Future Genrally of LIC – 50,000 will Provide NOC in 6 months,

3) Aegon Religare -30 thousand and will provide 3 months.,

I have received call from = 9136659828, and 140-9803914, But when i called back , no one picked call, I dont trust anybody like this, so to cross check, I Googled and searched lot of details and also came to know they are fraud, ………. PLZ DO NOT SHARE YOUR PERSONAL OR BANK DETAILS WITH ANYONE.


267 Manish Chauhan February 2, 2015 at 9:45 am

Thanks for sharing it with everyone !


268 Sanjhi January 27, 2015 at 4:37 pm


Suggestion -Government should give a system generated call to each mobile and landline number for not sharing details, It will make people alert and stop them from doing this, Anybody can be fooled as there are many people and from many numbers doing fraud.

Please share your feedback.


269 Mohan January 31, 2015 at 3:02 pm

A great Escape!!!

3 days back, I received a call claiming that they are speaking from Insurance Verification Department IRDA and asked whether I am aware that there is a agent commission of 40% to be deducted from my maturity amount of my Reliance Life Insurance policy. I was actually not aware and fell on their trap. They said they will be launching complaint on Reliance on my behalf and within a day, Executives from Reliance Head Quarters will contact me and they advised me to say that I am not interested to pay agent commission any more since i am not getting any benefits. I also agreed on that. Next day, I received the call from Rahul Saxena claiming that he is speaking from Reliance office and asked about the complaint which I have raised against them. I said as it was instructed. Then the call was transfered to Neha Mishra and she said that she will be handling my case hereafter. Yesterday I got a call from Neha saying that she has spoken with her higher authority and got an appointment from Rajesh Agarwal, Chief Financial Manager to solve my issue. Then Rajesh came on line and said that to solve this, I need to take another policy from any life insurance company directly from their head office and not from agents for Rs.36,000/- This amount will be refunded within 2 months time. Also i will be getting a sum of Rs.1,32,000/- plus bonus for the actual investment of Rs.72,000/- (premium amount which i have paid so far). He said that by doing so, 4768 Units of my policy will be transfered to the new policy and later I can withdraw as per his suggestions. Today, He again connected me to Neha and neha said that she has raised an online request for collecting my documents and cheque of Rs.36000/- by any of the life insurance company. Immediately after some time i received call from a person claiming that he is from Barathi Axa and said that he will be sending a collection executive who will collect the cheque from me. The Collection executive called me and said that he will be coming shortly and collecting the details directly from my house. But somehowI felt something is not right and I called to Reliance Life Insurance customer care for clarification. They said non of them approached me and explained me about the policy and warned me about these frauds. Then I browsed and got to know there are many such cases happened in past. I thought to share my experience so that it can add to the awareness among public. Really it was a thrilling experience… Great Escape by god’s grace….


270 Manish Chauhan February 1, 2015 at 10:11 am

Thanks for sharing that Mohan


271 Tushar March 4, 2015 at 12:37 pm

I also received the exactly same call from the person claiming to be from Kotak Mahindra.

Thanks everyone for sharing your experiences on this blog. This is a big trap !!


272 Manish Chauhan February 2, 2015 at 9:45 am

Thanks for sharing that


273 sand February 13, 2015 at 4:00 pm

Got fake call from 9266699556. he was mentioning that he is from LIC insurance and my file has come for dividend cancellation.

These days getting a lot of calls from such people who are stealing money from us. Not sure if anybody /police is looking at this to catch these thieves.


274 Manish Chauhan February 18, 2015 at 12:01 pm

Hey sand

Thanks for sharing your experience with all of us. It was a great learning.



275 sudha February 16, 2015 at 9:56 am

Dear sir,

i m sudha. i just informed u that many calls received by me (Ph No.+911409803843) from governing body of insurance council. i dont know its froud or not. But i ve already cheated by them or taking policy of Rs. 1 lac whichever i faced many problems and finaly filed suit against birla insurance company for takeing new policy.

we r so simple person and dont know about this froud, so stuck very easily in his fake promises.

i warm request you pls listen this audio and take step against these guys. pls you should take strong step and stopped this frouds to innocent persons.

These type of crimes increasing day by day. Its very big unit and they are very confident for her promises. Kindly find out these guys and give punishment to him.


276 Manish Chauhan February 18, 2015 at 11:34 am

Hey sudha

Thanks for sharing your experience with all of us. It was a great learning.



277 Diya Mehta February 20, 2015 at 5:05 pm

sir i have got a call today by 9599437655, 9650968256,9953552627,9953552627 by all these numbers saying that hey ae from IRDA and they’ll give me 90000 in 15 days if i submit them 30000 right now through check. an agent of them will come in th evening to collect my documents and cheque. and also thry said that they’l provide 90000 to me every year even after my death. its a pension plan only for me as my cibil score is good enough. kindly tell me from where to confirm whether its a fake call or a true one


278 Manish Chauhan February 24, 2015 at 5:54 pm

Hi Diya Mehta

Its a fraud .


279 Lakshmi Rani February 27, 2015 at 11:16 pm

I received similar calls claiming to be IRDA reps.They called my landline at home and my gullible parents thought they are from IRDA gave some basic information about me.Then using all this they called me on my mobile number and asked for information regarding my policy and scaring me that my agent is cheating me.I was initially flustered but the way they seemed to have mixed up information i got doubtful and started questioning their validity. they ask for details of the policy and when i asked them to send a mail to my registered email address to prove their validity they just go quiet or give lame excuses. One person even registered a complaint against my agent and gave me a ticket number for it to show that they are authentic!
Please beware of such calls.I have raised a complaint to IRDA and received a prompt reply saying that they are not involved in this.I used to get calls from +91-9213400516.


280 Manish Chauhan March 8, 2015 at 6:45 pm

Hey Lakshmi Rani

Thanks for sharing your experience with all of us. It was a great learning.



281 Arun March 2, 2015 at 4:27 pm

I received a fake call similar to the experience mentioned in some of these comments. I was told that my agent was cheating and registered the complaint against him and gave me a complaint number. Then they asked me to open a new account to transfer the money which my agent had apparently cheated me of. One quick call to my insurance company and some common sense made it obvious they were frauds. I am leaving the numbers here in case anyone comes across such situation. The names which they gave me were probably fake too.

Aditya Kausik – 8447171080
Ashish Saxena – 9212403444


282 Manish Chauhan March 8, 2015 at 6:07 pm

Thanks for sharing that Arun !


283 Amit Singh March 8, 2015 at 3:21 pm

Hello Manish Ji,
First of all many thanks for such nice article.

I’m happy that I just save my 25K today after reading this article. :)

In my case I get a call from 0140-9803807/3914 and the caller indicate that he is from a company name GBI who works for IRDA and deals in customer satisfaction. He (Raj Oberoi) told me that I can help me in getting my vested bonus of INR 70000/- from my existing policy with LIC. What all I’ve to do is to purchase a new policy which will enable them to remove some Agent code.

I checked it with my known who works in LIC and he has confirmed me that I can get this bonus only after Maturity of policy. After this, I google it and come across to your article. Now, I’m very much clear.

Thanks once again to Google and Manish ji for saving me and many more peoples from such frauds.


Amit Singh


284 Manish Chauhan March 8, 2015 at 4:44 pm

Hi Amit Singh

Its a fake call .


285 Momina March 18, 2015 at 7:35 pm

Wow I am surprised to see this blog with so many of people being deceived by so called IRDA subsidiary cell to help people get back lapsed policies money back. Even yesterday and today itself I got call from +919310725494, +911203140201 and +911203140201, +917035301236, +915856083439 claiming themselves to be from ” Insurance Service Department” to help me out to get my lapsed policies money back with bonus , Agent’s Commission and Fund Value. These guys are taking advantage of lack of information of LI and GI products, especially LI products since it involves huge amount of money and generally for long term.

I realised that it was fake when they asked me to open a CCID account (Customer Commission ID Code) where the whole of my amount would get deposited in my bank account. They also put a deadline today that by 5 pm I should provide them Application no to proceed with the creation of this CCID code which would require a File charge of Rs 19700/- where they stated that 19000 would be returned along with my other monies .


286 Manish Chauhan March 19, 2015 at 1:02 pm

Hi Momina

Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also



287 mahesh March 20, 2015 at 1:18 pm

I got a call yesterday from someone from a Land line number +911203147375 and the person knew my policy no. etc. and he said due to changes in rules by IRDA, the agent name should be removed from the Policy Document, He said the agent was not paid the previous payment in time and due to which my policy status is under laps, so they want the name of agent has to be removed from my policy doc and new copy of policy doc will be issued to me. To do this I have to pay the premium for the current year R/S – 52000 of check to be addressed to “PNB value service” and courier to some address. In order to get the address I was told to give a call to Mr. RJ Gupta on his mobile number 9118453855.
They also requested for provide few documents like First bond page front Xerox, ID proof, Address proof, Passport size photo copy, Saving Account cancel cheque. Then Immediately I contact the customer care with the Toll-free number specified on my policy and enquired about the status of my Policy and understood that I got a Fake call. But I was worried how come they know my every details of the Policy?


288 Manish Chauhan April 2, 2015 at 5:06 pm

It was a fraud call .


289 Sitender Kumar March 27, 2015 at 2:28 pm

I got a call from Kanika Sharma from a mobile number 9015291522 .She said the on my insurance policy the agent code is active and all the benefits of policy are taken by the agent. She said that a complaint if forwarded from their part which is IGMS department Hyderabad. She said that i receive a call from the insurance company and the provide me bonus release code and she tell me in any case i can not get convinced by company executive and stay on my point i.e remove the agent code from my policy.She said that i have give the bonus release code which is given by the company to her then they make a customer license which is provided by the government to get my profit. Surprisingly a call comes from the company regarding the problems which I have told to the kanika sharma. I know its fake but to what extent the frauds are planing


290 Manish Chauhan April 2, 2015 at 2:57 pm

Hey Sitender Kumar

Thanks for sharing your experience with all of us. It was a great learning.



291 raju March 29, 2015 at 10:07 am

Hi. I got call from hdfc , they said that they have special one time investment gaurented plan .and u get 40000 in deposit of 20000 that’s is only one time investment or intallment. And I get 5 lack rupee cash card which can be used for medical emergency or for medical treatment.
I want to know it real one or fake


292 Manish Chauhan April 2, 2015 at 2:48 pm

Its not fake, but its just topped with nice words . there is nothing concrete in that..



293 raju April 3, 2015 at 9:12 pm

thanks manish,

i want to know that this kind of polices really exists, or they will provide me some bull shit . Because i enquire in HDFC life and they said that there is no any such kind of polices or scheme, its fake call


294 ankitasingh1701 April 13, 2015 at 7:14 pm

Hi ,

I have a question related to fraudulent transaction.

Somebody used my account and online transferred around 70000 INR from my account to someone’s. I have filed an FIR and the police traced the account it went to. I hold an ICICI Bank account and the money was transferred to SBI.

SBI authorities were informed and they are ready to refund the amount. They have held the account in question. My bank is not helping me much. We have submitted all the necessary documents.. Still any time we go to them , they tell us that they want police intervention again. Why is that needed is not told to us.

We have not been detailed about the refund process, for a long time they were saying they would need SBI to initiate the refund.

Basically, The bank is not at all helpful and giving wage responses.

Kindly let us know what should and can be done in such cases.

Thanks a lot,


295 Manish V April 14, 2015 at 12:50 pm


I am in talks on similar issue in which a policy which was already redeemed by me in feb 2015 the call center claims to get all the money which was given to the Agents. For that I have to ay Rs 20000 and send the documents to Delhi via courier so that they will replace the Agent code with my hell code which I don’t know I told I will send my sister in Delhi to give the money and handing over documents, i heard a voice of reluctance. Firstly they have all our data genuine information and girls especially with softer voice asking you what you do, where you go and all hanky panky questions. I am waiting for the lady to call me again and now I will harass them so they will never call me back again.

The problem is about information security here how easily our personal data in this world of net is floating to every one which can easily exploited by the IT mafia business.


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