Issue with Aditya Birla Sun Life Insurance (ABSLI) and need some solid advice on how to handle a forced debit.

[User_94de147c]

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User_94de147c
PARTICIPANT
April 29, 2026 at 2:28 am

**The Situation:** I have an ABSLI Nishchit Aayush policy with an annual premium of ₹1,02,920. I decided not to renew it this year. When I called their customer care earlier this month, the agent told me to “like visit branch offline” or “stop paying” something like tatt.. and the policy would lapse. Since I am quite busy with work, I took their word for it and stopped manual payments.

Today, 29th April, at 12 AM, they “smartly” debited the full amount from my HDFC account via NACH. Honestly, I feel completely blindsided. To be very frank, their earlier advice feels like a trap to ensure the auto-debit kicked in.. Luckily I saw the message in the morning, else it would be disaster.

* I have already mailed their care and grievance IDs formally requesting a cancellation and refund.
* I’ve reached out to my HDFC Relationship Manager to dispute the transaction and block future mandates.

Any hope of see my money. I have newborn and this money is all I had, Now need to pay rent and credit card bills. **These Insurances are SCAMMERS.**

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