PMJJBY unauthorised activation & cancellation - SBI Savings A/C

[White_Fox]

I have an SBI savings account. They (probably branch employees) activated PMJJBY without my consent. It resulted in a debit of ₹436.00.

Complained to the SBI customer care (screenshot attached), but they said to contact the branch.

Visited the branch the next day. They tried to convince me not to cancel the insurance that it's only a small amount deducted every year. On insisting on cancellation, I was told to submit an application for cancellation of the insurance to the branch.
So went to the branch a day later armed with the application. However, they didn't accept it as the person in charge of such was “absent”.

Replied to the email that application was not accepted. Also, attached the handwritten application to the email.

Voila! After two days, the money was refunded.


SAME PROBLEM FACED IN 2025

Update 1 (15/05/2025)

W

Post in thread 'PMJJBY unauthorised activation & cancellation - SBI Savings A/C'

Friday at 7:55 PM

On 15.05.2025, I noticed in the transactions section of the SBI Yono app that a PMJJBY debit entry of ₹436.00 was present dated 10.05.2025. The description showed the Renewal of PMJJBY. Therefore, I filed a complaint with the SBI Contact Centre through email and attached all the previous communications from last year. (see attachment).

• White_Fox

• 

Update 2 (16/05/2025)

W

Post in thread 'PMJJBY unauthorised activation & cancellation - SBI Savings A/C'

Friday at 8:35 PM

On 16.05.2025, I received a useless reply from SBI Contact Centre stating the details of the PMJJBY Scheme and advising me to visit the branch to sort it out. I visited the branch the same day and asked the front desk woman to provide me with the complaint register. She directed me to the manager's office, where the complaint register was to be present.

Upon asking for the complaint register, the manager's clerk provided me with a blank sheet of paper to write my grievances, which I refused to accept. I insisted on being provided with the complaint register, which led to...

• White_Fox

• 

Update 3 (17/05/2025)

W

Post in thread 'PMJJBY unauthorised activation & cancellation - SBI Savings A/C'

Today at 12:31 PM

On 17.05.2025, the deducted amount of ₹436.00 was refunded by the bank.

• White_Fox

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[White_Fox]

Jokes aside, it's good to see you got refunded again. Btw, If possible get a written declaration from your branch specifically stating that you don't have the PMJJBY scheme activated on your account as of XX-May-2025.

The fight isn't over yet. My time was wasted by the bank due to multiple branch visits for these two years consecutively regarding this.
I'll update here soon.

 

[Hope]

Ahh there's too many victims.
Well same happened with my mother acc recieved message 6-7 days ago maintain balance of 436 etc.
Then i checked last years statement they started deducting from 2022.
Will visit branch today to update pan/email and escalate this till rbi if they dont refund all amount.

 

[CosmicCat]

The fight isn't over yet. My time was wasted by the bank due to multiple branch visits for these two years consecutively regarding this.
I'll update here soon.

Good for you that you received the refund. In my multiple complaints—from raising a complaint on their CCRF (CMS) portal to emailing their Local Head Office (AGM, Customer Care)—I got the same reply: to wait until 15th June, as the portal is currently down, which is really weird as you've got the refund already despite being from the same city as I am.

From what I understood recently by raising a complaint to RBI Ombudsman against SBI recently and by emailing to their Nodal and Zonal desks is that the Branch Manager is the *only* person responsible to take action against your complaints, and his reply is considered final, and that they have no proper grievance redressal mechanism whatsoever.

I would rather wait until 20th June, and raise a complaint on the RBI Ombudsman CMS portal against them. As proof, I have a copy of my application for refund and cancellation submitted at the branch a few days ago with their stamp and signature of the BM.