I Want 0% Interest Rate Loan

[@thepratikgoswami]

Life insurance is the biggest scam ever

[@MohanMohan-rw8hj]

yes

[@prakashchikte5458]

True , very true

[@youdontneedtoknow7027]

Not if you read the policy carefully…60% policies have crap terms but some are really good

[@hanumantharao7743]

​@@youdontneedtoknow7027 which is best policy?

[@AKshay_47]

Ma man Sharan is here to bring Justice to light 😂

[@Raju_Sharma852]

Your man ?? 😂 I am dying 😂😂 someone help me 😂😂

[@rahulkulkarni965]

'Go to courts & waste your time & money.'
Condition of judiciary rightly described. Very pathetic & hopeless condition of judiciary.

[@prakashchikte5458]

Try विमा लोकपाल

[@saranya7892]

Such salesman must be fired and company must be fined..😡

[@travelchiku4820]

95% sales people doom you for their targets. It's common and fair for them. They just don't care And never ever feel guilty about it.

[@prakashchikte5458]

Target

[@vinitkadam8951]

I have been the victim of this trick and but this happened 7yrs back.
I lost 80k 😭
Fake Ppl are still calling my dad from different different numbers and giving assurance of refund. Don't know how to deal with them.

[@Abc13223]

Register ur complaint with IRDA

[@vinitkadam8951]

@@Abc13223 Ok we'll try that

[@suryavishwanath8564]

lost on what ? if your goingto express your financial losses to public, please elaborate it so that others can also understand..dont just give half meaning sentences..

[@crazimathx4905]

Le mommy and daddy: i follow my man bro!!!!

[@MayureshPitaleofficial]

"Kya phook ke aaya be?" 😂😂

[@Kel-Sang]

Where's the finishing line....🤣

[@samael66996]

Moral of the story - don't purchase life insurance or health insurance. Save your money in rd or fd. And eat healthy food and stop eating fast food. Eat lots of fruits. Have sufficient sleep and drink plenty of water. Live simple and tention free.

[@achutheprinceprasad-phy353]

What's rd /fd?

[@u7known]

@@achutheprinceprasad-phy353 rd -reccuring deposit and FD - Fixed deposit

[@icubetutorial2523]

What about PPL who apply these good principles and still get a deadly diseases

[@suprabhaparab7610]

Not purchasing health insurance will make one begger overnight in case of medical emergency

[@nersha8472]

​@@achutheprinceprasad-phy353Recurring Deposit/ Fixed Deposit

[@hitarthk]

More people should be made aware of this. Helpful content. Thanks!

[@krishnaSagar69]

I lost it in the second half 😵‍💫

[@hpaul3211]

You won a subscriber . Amazing content 🤯

[@cwm7058]

Aapke excitement me clarity chali gai hai. Kuch palle nhi pada. Make it easy thoda.

[@shishirdixit123]

Surrender Value is given by the Insurance Company if the person holding the policy wants to retire his/her policy before the maturity period. In the given case , maturity period is 10 years. So If the insurance holder wants a loan based on terms of his policy, he can avail only 3 Lakh Rupees loan interest free. (30% of Surrender Value which is calculated on amount of premium paid in 3 years. Premium paid in 3 years will be 3 lakhs)

[@dodi_gropix]

@@shishirdixit123 smaj gaya thanks

[@prabhasgamingempire8043]

@@shishirdixit123 So if he asks the 3 lakhs are given on 0% interest rate... Right??

[@shishirdixit123]

@@prabhasgamingempire8043 Yes

[@prabhasgamingempire8043]

Actually I asked for loan before.. I know this thing bcz my parents know this field so nicely... They told about this thing ... I got loan around 19k for my business...

[@deepakgeddam6288]

I never clicked on a video so fast in my life XD

[@Sage33444]

This shit happened to me lol by ICICI NOW iam paying insurance premium for 10 yrs lol

[@nandakishorevr5637]

No bro! Not lol😐

[@neoanderson4840]

Absolutely fraudulent insurance sector of this bank

[@rchauhan82]

The way he says "kya phook ke aya be?".😂😂😂😂...I watch his videos just to hear this line mostly 😅

[@razzvicky]

How can someone be so informative in such a beautiful comic way !!! Strong knowledge and excellent skills not only in finance but also in writing acting directing editing everything!!!! What a man yar 😎🙌

[@sohinichatterjee5290]

Loans are approx 85% to 90% of surrender value depending upon the status of the policy ( i.e in force or reduced paid up)
He can assign the policy and take loan

[@shortclips4945]

No bro I have paid premium of 40 k and loan they are giving is only 15 thousand

[@babelette]

This reminds me of the time my RM lied to me about no AMC charges on demat account to meet his target. They did not resolve, but agreed to send someone home to help close the account. I had receipts and audio recording of lie. Though it's too small if a reason to go to court, they decided to compromise by closing account without going to branch. As i had no intention of going to branch during covid lockdowns. So, it was something.

[@shri2947]

Everyone should have term and health insurance for entire family❤❤❤

[@brittonbrittonjr8796]

Man, you’re awesome 🤩 I would vote you as most entertaining channel on UA-cam

[@MadhurAgrawal08]

Finally man, you are first one to make video on this!

[@subhmaypatra5562]

"Kya fook ke aaya be" is an emotion ❤

[@nitajain5989]

Literally before he said that line to not tell about this tactic to parents I was thinking about sending this to them

[@namikaze_minato116]

Insurance companies: location noted💀💀💀💀💀

[@ArijitMukhopadhyay]

Thank you for making people aware 😍

[@ravindrapillai5061]

Insurance policies should be taken only with proper enquiry. Better dont take.

[@electroprosknowhowto]

"I must have made you bakra"
-Some random Insurance company 2022
😂😂

[@uvbatman-lq8rq4lb3p]

This is why insurance is a sham

[@paperid3241]

Bro i did not understand it...

[@Helpadoggoreachsubs]

Cus u a kid

[@LokbaK]

Bro can't even understand simple words

[@ashwinraphael]

10 year life insurance policy, 1 lakh per year. So 10 lakhs total. Sales guy promised him 10 lakh loan with 0 percent interest. But reality is you can only avail 30% of surrender value after 3 years. So that will be around 90,000 rs with a very low interest rate.

[@kaligirisairam3967]

Not that but also if u are claiming a small policy like PMJBY in banks they will say that u need to buy a health insurance for ur family to get that claiming fast,and it's costed around 40k for his family but he didn't needed that health insurance, it's been cut offed from his claiming money which is 2lakhs, it's a big money for poor people and I've seen this in banks .people who don't know much about these are getting scammed

[@SouravSingh-zr6dx]

Kya foonk ke aaya hai be 😂😂... Loved this line

[@rickybobby19191]

You got a subscriber man!! Good content.. but I did not quite understand this

[@Agastya_Prince]

Happened with my parents. Fraud Bank Employee said my parents will get entire money + bonus after 3 years. Surrender value was about 40% and they lied. At least future premiums saved.

[@nivindevakumar]

Excellent Truth !! SALES TARGET

[@Rudrayadav_3120]

It's cheating...
We should should start recording every insurance agents promises and guarantees against such cheating by agents so that they'll pay for their deeds

[@AjithKumar-uk1wq]

This is the way economy should teached....

[@prajjwalkhatimusic]

Actually the surrender value increases so as the loan amount but Max is 80%.

[@malatimarandi2896]

That means I can get my alll insurance money after 3 year....if I'm surrendering insurance

[@Revanth2344]

Only 30%

[@veggiediaries3011]

Not everything said here is true.Loan payable is 90% of surrender value and loans can be taken after 2 years of premium payment in case of non single premium policies and after 6 months of premium payment in case of single premium policies.

[@RafiqAhmed683]

Get updated...
Now it's 2 yrs not 3yrs.
All the insurance plans launched after 2019 ,give loans after 2yrs.

[@abhisekpattnaik9803]

This kind of bankers get hit by locals

[@prakashnayak305]

Lic do the same.. all policy were mis sold

[@pankajchauhan2124]

Life insurance is must.. one of my friend takes a life insurance of 20 lakhs .. he just paid total premium about 1 lakh in 3 years but unfortunately he met an accident and died .. his family got more than 20 lakhs for the survival.. that's the value of life insurance ..

[@secondaryinbox7548]

How about term insurance instead

[@pankajchauhan2124]

Term insurance is the purest form of insurance .. it's insurance bro not investment.. in term insurance u will get large cover in minimal premium

[@secondaryinbox7548]

@@pankajchauhan2124 isn't that better? LIC returns are really low i feel.

[@ZainHoda]

Seems like Indian financial institutions are learning from how US financial institutions operated before regulation

[@ranjithkumarka1996]

Please tell the information in the easy way

[@mcbyghff4]

I wish that you would make these videos in hindi also so that the older generations such as our parents can understand because these videos can save from making any financial mistakes

[@tubepeeper]

Switch on CC on YT and set it to Hindi.

[@Dgallagher96]

The first indian to do a reverse scam. Aside from the joke i really do appreciate you bringing this to our attention brother. I have mad respect and love for you❤

[@ajaydas5859]

He knew we all are kids😅

[@Kman66]

Ah man. A banker is trying to sell me a insurace policy for tax write off.

[@sanatani_yogi]

Lie : Upto 80% of surrender value loan can be availed & surrender value keeps on increasing with every passing year

[@maheshmahi5455]

but only profitable near the maturity time. you need to wait almost 90% of maturity to get good surrender value but waiting till maturity is the good option by the time

[@computerscienceresearch]

Parents become q banker😂😂😂

[@sandeep8462]

Loan against ULIPs have very less ROI if you repay it monthly

[@googatuba]

When I get these calls I tell the scammers "I already have a 30lakh policy with decent surrender value. So how about using that as collateral?"
Scammer : >Click

[@Ganesh13Kumar]

Always go with stand alone insurance companies.

[@GSS_94]

My grandfather fell for these schemes from HDFC. And people wonder how HDFC made so much money 😂.

[@devibala5190]

It's not safe to invest in Insurance. Then how to offer children and family after my death. Can u advice

[@allenjeffrey3985]

When a non buisness student watching this video 😮😑😶

[@mariadominic4131]

Exactly true said ,After 6year premium finished .sursnder not getting.loan is 4.6%intrest.

[@anishsiwakoti9949]

What if he brought camera fitting somewhere and proves collected! Boom arrested🔥

[@shishirdixit123]

This is not Suits where Harvey will trap Charles through a wire😂 Justice system in India is quite slow and lakhs of cases are already pending.

[@santaclaus4987]

Make simplified Videos so that most of the people can understand

[@chetankumar8404]

I got Bakra for paying 28k premium per yr for 4 yrs in the LIC policy were I would get 12 lac return on my 50th birthday. I had not calculated inflation, ROC, after gaining finanical knowledge from youtubers like you, I took loan from that LIC policy and stopped paying premium. For the same amount I am able to get 1cr term insurance that too 4k less . LIC is big scam

[@neoanderson4840]

THIS IS NOT A JOKING MATTER ...TO ANYONE READING THIS ... A LOT OF POLICIES are sold this way .....PLEASE BE VERY ATTENTIVE WHILE BUYING ANY SORT OF INSURANCES.... ESPECIALLY FOR ANY SWEET TALKING BANKER / AGENT

[@pranavprabhu0507]

Absolutely. Aditya birla sun life does this shit a lot

[@chejarlasivamalleswararao]

Iwant emergency personal loan please help me. Urgent need

[@TheSuvojitBarman]

I am in the same trap.. I got a call a then it happened with me. Policy taken from India Frist Life insurance

[@greatgargi9979]

We are the victims of this kind fraudulents and lost 10 lkh approx thnxx for ur video but it came late.🤕

[@danymike2975]

Me too 😑

[@subham-raj]

Ask for email from their internal mail id and you will get to know if this will work or not :P

[@tannumann5929]

If someone has bought such a mistold policy ... What can be done?

[@chetanagrawal1604]

What do mean that manager is missing from a month after that🤧

[@prakashchikte5458]

I am one of the bakra ...
Term end policy is the only insurance policy.

[@faisalshaikh9294]

Bro how can we report this 😢

[@prakashchikte5458]

@@faisalshaikh9294 yesterday I visited insurance office. One good officer of that insurance company suggested me" विमा लोकपाल ".
I am going to complain there

[@Shaktobengalee]

Agents are true GOAT

[@girishthakur2355]

Hdfc sells its policies in same manner

[@krish4659]

30% premium to be returned
70% are faked this way ;-; bro completed 100% somehow and it seems apealing enough with no relation

[@vigneshwarank7110]

Bro in namakkal hdfc bank representative named dhanraj brain washed this way but we refused to buy that policy

[@abtking91]

This is why I hate bank agents/insurance agents/ other agents and their companies and policies so much that I haven't wasted a single rupee on their bogus plans yet. Its better to open an SIP or demat account and do trading if the purpose is investment and not life cover.

[@cmanojkumar]

Hello,,,. I want to change my mortgage loan to another bank it is possible? Bz of high intrest

[@premsai9908]

Possible

[@007_Sun_Tzu]

Yes you can move your loan ..bt its a very tedious process

[@sharatbonthu1193]

If it's only 1 month he has an option of CFI(cancel from inception)

[@MandeepSingh-hn4jd]

Bharti Axa bank enters the chat.

[@SunielK88]

But you can cancel your policy within 30 days .

[@avtar270]

Same happens with me 😜🙈

[@viswanathprabhaakaran1902]

how to handle such situations?

[@financialmarketing4405]

I can't understand it.... Could u explain it further

[@mariadominic4131]

Max life insurence cheated the same.even surrnder value very low what i paid

[@vatsvlogs6110]

Dismay🥺😔hurts

[@rajinisathishkumar]

Actually I was confused to get lic or not. After policy plan i planned loan application. But once heard insurance not available for Jacky Chan i think insurance is fake most of the condition.

[@user-mo6tb9dn9k]

Peyush bansal was personal

[@jagrutishelar4127]

Please make your videos in hindi for aged audience

[@Coolyesguy]

In Pakistan 🇵🇰 government offers so many loans interest free

[@riyaarora6705]

Bro hindi mein zyaada acchi tarah samajh aata hai❤️👍

[@njoy51]

STFU .. we don't know the H of the word Hindi here

[@trendygiftsemporium]

I got this kind of offer from mudra loan

[@krupant2081]

Finance is itself is biggest scam on this planet earth… They can play with you anytime anywhere…This kind of youtubers can play with you eveyday😂😂😂

[@premkumar-ph1pb]

There is 45days of free cancellation policy bro please check it once again

[@GumbieUsaGames]

Not sure what to understand here... Comedy made it diff to understand

[@Ram2952]

From Delhi Barath Axa same farud doing

[@vamshic4249]

SBI did the same thing for me..... I went for loan of 5lacs.... they attached me 5lac insurance policy for 5yrs with 50k premium for year..... sbi bank taking advantage of the people who r der for loans to clear der debits

[@lavishgujjar336]

I still didn't understand properly

[@jaykhambhata-6089]

how did he know that we all are teens and kids

[@travelchiku4820]

Sales people are the most rubbish and selfish people on earth. They don't care about our hard earned money. They can sale their parents for target.
Karma comes back to them anyway.

[@CristianoRonaldo-li9gu]

We Muslims ❤