u/One-South-9348

Hey everyone,
I currently have an ongoing education loan with Canara Bank. Here are the loan details:
• Remaining Principal: ~₹5,27,000
• Interest Rate: 10% p.a.
• Current EMI: ₹12,215
• Maturity Date: 2034
I am planning to make an advance partial payment through the Canara ai1 mobile app. Under the Custom Amount Advance Payment section, it gives me two options:

1. Recalculate Tenure
2. Recalculate Term / Recalculate EMI
   Could anyone explain how these two options actually work in the app and which one makes more financial sense?

TLDR: HDFC Mutual Fund randomly locked liquid fund units under "Auto Lien" without authorization. Customer service is clueless.

Used AI to frame the post.

Hey everyone, making this post as both a rant and a major heads-up for anyone parking their emergency corpus or short-term cash in HDFC Liquid Funds.
A few days ago, HDFC Mutual Fund locked a total of ₹22,696 worth of my liquid units. No email, no SMS, no warning, and absolutely zero justification.
Liquid funds are literally meant for emergency access. Imagine needing your money urgently only to see your clear units randomly frozen.

The "Resolution" Nightmare:
After facing endless delays and radio silence from their online support channels, I finally got through to customer service yesterday. Their explanation? The units were put on "Auto Lien" for an IMPS/Instant Redemption.
Here is the absolute clown show of a logic they are running:

1. They unlocked a random ₹1,500 today out of nowhere. Where did that math come from? Why is the rest still frozen? No one knows.
2. "Go to a physical branch." In 2026, for a digital transaction issue on an online portfolio, they want me to physically take a day off and visit an Asset Management Company (AMC) branch because "online they can't do anything."
3. The Blame Game: The customer care executive literally asked me if I had pledged my units for a loan. I haven't. I don't have any active liens, margin trades, or pledges against these units. Their own backend system automatically threw it into an "auto lien" status during a standard IMPS tracking cycle, and now they don't know how to reverse it from their screens.

Why this is a massive red flag:
If an AMC’s backend can randomly slap unauthorized liens on clear units during routine IMPS redemptions—and their support's only solution is "visit a branch"—then these funds are NOT liquid. You are one glitch away from being locked out of your own emergency money when you might need it the most.
I have already drafted a formal complaint and if they don't manually clear the entire amount by Monday, this is going straight to the SEBI SCORES portal.

I have invested some big amount for a short term goal in HDFC liquid fund recently through their app.but today while redeeming the amount some of the units are locked for no reason and when I called customer service thry say that these units are put on lien and they ask me to visit a nearby branch to unlock them what a pathetic situation is this, no reason is provided.

Did anyone face this?

Hi everyone,
I’m in a bit of a fix with a health insurance claim in India. My father recently underwent a day-care eye Vicetronomy surgery due to diabetic retinopathy.The TPA is now asking for a B-scan report to process the claim.

The problem is, when asked the hospital said they never performed a B-scan and When I asked the surgeon, they mentioned that the b scan didn't require at that time.

Iam trying to get hospital letter on why it's not required. But how to tackle please help me. This claim is really important for my father. We had to take loan for the surgery.

How to tackle this pls help me.

Hi everyone,
I’m in a bit of a fix with a health insurance claim in India. My father recently underwent a day-care Vitrectomy surgery. The TPA is now asking for a B-scan report to process the claim.

The problem is, when asked the hospital said they never performed a B-scan. When I asked the surgeon, they mentioned that the b scan not required during the clinical examination.

How to tackle this pls help me.