u/karanbulani

I received SMS from HDFC bank -

Renewal Due:

Please maintain sufficient balance, Rs.20 in HDFC Bank A/c XX3262 for PMSBY (Pradhan Mantri Suraksha Bima Yojana) premium due on May 2026

The issue is: I never enrolled for PMSBY. I checked my account statement and found that Rs.20 was already deducted once on March 13, 2026.

I tried raising a dispute through the app, but it says transactions older than 60 days cannot be disputed. I’ll visit the branch to stop the May deduction, but I’m concerned how this scheme got activated without my consent.

I dont mind 20rs but I want to ensure this never happens in future, I just cant keep checking transactions.

Has anyone faced this before with HDFC or other banks?
What’s the best next step:

• Branch complaint?
• RBI Ombudsman?
• Written/email complaint to HDFC?
• Any way to check when/how consent was recorded?