Jayesh Chavan

Jai Hind

[Jayesh Chavan @jayesh8826]

"Solved" in court? Or just another delay? 🤡📉

@HDFC_Bank and @RBLBank are hiding behind a technicality. The court says the money was "returned," but ignores that it took 432 DAYS to happen!

While they played "Musical Chairs" with my refund in internal account 50200000000021, a senior citizen’s mediclaim lapsed during COVID. 🏥💔

Returning the principal after 14 months isn't "Service"—it's an interest-free loan they forced me to give them.

Where is the accountability for the 1.2-year gap? > @RBI @suchetadalal @jagograhakjago #HDFCBank #RBLBank #JusticeDelayed #432Days @AnilSinghvi_ @pranjalkamra

[Jayesh Chavan @jayesh8826]

Dear Mr. Keki Mistry Sir,

You are 71. My father is 69. You are almost the same age. 🕊️

How would you feel if a bank held your hard-earned money for 432 days without a word? While they earned "Float Interest," your wife's medical insurance was allowed to EXPIRE. 📉💔

@HDFC_Bank calls my father a "Third Party," yet they sent a Manual NEFT (UTR: 2022061544990001) directly to him. If he’s a stranger, why did you have his account details? 🧐

You said you took this job because it aligns with your "Principles & Values." Is this the value system you stand for?

I am only asking that how much interest have HDFC earned from my father money. I just want an answer for my father. ⚖️

@RBI @jagograhakjago #JusticeForSaroj #HDFCBank #KekiMistry #SeniorCitizenRights #Ethics #RBI

[Jayesh Chavan @jayesh8826]

"Solved" in court? Or just another delay? 🤡📉

@HDFC_Bank and @RBLBank are hiding behind a technicality. The court says the money was "returned," but ignores that it took 432 DAYS to happen!

While they played "Musical Chairs" with my refund in internal account 50200000000021, a senior citizen’s mediclaim lapsed during COVID. 🏥💔

Returning the principal after 14 months isn't "Service"—it's an interest-free loan they forced me to give them.

Where is the accountability for the 1.2-year gap? > @RBI @suchetadalal @jagograhakjago #HDFCBank #RBLBank #JusticeDelayed #432Days @AnilSinghvi_ @pranjalkamra

[Jayesh Chavan @jayesh8826]

@HDFC_Bank @RBI

Dear HDFC, quick question: Since you keep saying I’m "not your customer" and just a "Third Party," how did you find my bank account to send me a Manual NEFT refund? 🤔

I didn't know you were sending surprise gifts to total strangers! 🎁

My father’s money was on a 432-day vacation in your "Pool Account." I won't ask for a party—my late mother, Saroj, won't be coming back to ask for a refund anyway. 🕊️

But I am expecting an answer while my 67yr father is still alive. How much interest did you earn from his funds while his wife's medical insurance EXPIRED due to your silence? 📈💸

@FinMinIndia @Technicalchart1
#JusticeForSaroj #HDFCBank #BankingScam #SeniorCitizenRights #RBI

[Jayesh Chavan @jayesh8826]

@ppmrao2007 @Technicalchart1 I feel HDFC has become so big that even Gov body hesitating take action.

[Jayesh Chavan @jayesh8826]

@ppmrao2007 @Technicalchart1 Sir I wrote to RBI no result.

[Jayesh Chavan @jayesh8826]

@piscean_e_ind @Technicalchart1 In process

[Jayesh Chavan @jayesh8826]

@kkiyer @Technicalchart1 I think hdfc had become the biggest bank by grabbing money.

[Jayesh Chavan @jayesh8826]

@piscean_e_ind @Technicalchart1 I tried consumer forum, after fighting for 3yrs they said you got ur money back so case closed.

[Jayesh Chavan @jayesh8826]

@NewsAlgebraIND Gaya school to gaya.

[Jayesh Chavan @jayesh8826]

Consumer forum my personal exp is bad. I almost spent 2k for xerox. Later fighting and attending 3yrs Court said You got ur money back and case dismissed. Court didnt saw that bcz of all this my mother policy lapsed and when hospitalization took place was not covered and charged me around 4lacs in hospital bills. What we suffered that diff during covid period. Later my mother expired all thank to HDFC bank. To earn some money HDFC bank did all this. I regret I am a HDFC bank share holder.

[Jayesh Chavan @jayesh8826]

Actually during covid period I was not able to consult anyone about all this. Later when I came to know that we have to contact RBI it was late. I was surprised with consumer forum result. After this who will contact cosumer forum and waste time. Only for xerox and all I have spent around 2k.

[Jayesh Chavan @jayesh8826]

Sir, I paid online premium for mediclaim policy. Money deducted from my RBL account. Care Insurance said payment not received. I contacted RBL they said they have raise charge back with Insurance bank i.e HDFC bank. HDFC bank said services on going cannot reversed. Again I asked RBL , then I got reply from HDFC they have Manually refunded money. Again I Contacted RBI then HDFC neft me the money this took around 14 months. This all happened during Covid period. After two years of incident i contacted RBI they said this incident have passed more than 2yrs so they cannot take any action. Then I contacted Consumer court. After three yrs of fighting Consumer court said you got ur money back so case dismissed. When opp party was never came to court to argue. This has made me realise its not easy to get justice. Later I came to know that HDFC ket that money with them and have earned interest. @HDFC_Bank and now HDFC saying Contact RBL bank I am a third party we cannot give you the details.

[Jayesh Chavan @jayesh8826]

@akhileshjha58 Sab setting hai

[Jayesh Chavan @jayesh8826]

@akhileshjha58 @HDFC_Bank @rblbank After fighting for 3yrs District consumer said you got your money back so what's the problem and case dismissed. When opp parties were absent from start to end during case.

[Jayesh Chavan @jayesh8826]

No sir, it's a complete new story I mean new scam. Holding our money when I asked where's my money hdfc said insurance service is going on so cannot refund. When I said policy expired as Insurance company not received money then HDFC said money manually refunded. When I contacted RBI money got next in my account from HDFC. When I asked HDFC how much interest have you earned HDFC said you are third party how can we give all information. When HDfc kept my money for 14 months that time they enjoyed and did party when I asked saying who are you.

[Jayesh Chavan @jayesh8826]

@Technicalchart1 Here is the evidence. 🛑

HDFC claimed they couldn’t process the refund without RBL, yet on 15-June-22, they issued this DIRECT MANUAL NEFT (UTR: 2022061544990001) from their internal pool account.

They recognized my father for the refund but hide behind "Third Party" status to avoid the @RBI ₹100/day penalty. Meanwhile, the 432-day delay cost my mother her medical policy. 💔

Is this Global Governance? ⚖️ @HDFCBank_Cares @RBI @FinMinIndia

[Jayesh Chavan @jayesh8826]

HDFC bank Not only kept my money for 432 days but also earned Interest on my money. To avoid RBI penalty instead of reverse the refund they bypass the RBI rules and Neft me the money after 432 days. When i asked for details they are saying we cannot share details to third party.

[Jayesh Chavan @jayesh8826]

"Thank you @Technicalchart1 for standing with my 67yr father.

This is more than a delay; it’s a fight for Justice. HDFC held our funds while my late mother’s life-critical medical policy EXPIRED. She suffered without coverage because of their silence. 💔

We won't stop until there is accountability. ⚖️ #HDFCBank #BankingScam #RBI

[Technical Charts @Technicalchart1]

This has happened with Jayesh Chavan (@jayesh8826 ).

His elderly father paid ₹19,343 for his late mother's health insurance in April 2021.

HDFC Bank held that money in an internal pool account for 432 days.

No alert. No update. No interest.

When Jayesh raised a chargeback through RBL Bank in July 2021, HDFC rejected it - claiming "services were provided."

They weren't.

After 14 months of follow-ups, HDFC quietly issued a manual NEFT refund of ₹18,843 directly to the family.

No RBL permission needed. No "third party" excuse.

But when Jayesh asked how much float interest HDFC earned on his father's money during those 432 days.

The bank said: "You are a third party. Contact RBL Bank."

Let that sink in.

Independent enough to keep the money. Independent enough to refund the money. But suddenly dependent on another bank when it's time to pay interest?

RBI mandates ₹100/day penalty for refund delays. 432 days × ₹100 = ₹43,200.
HDFC has paid: ₹0.
This is not a glitch. This is not a technical error.

This is a system designed to exhaust a grieving family until they quietly give up.
Jayesh didn't.

RT if you stand against this.

If you or your family has faced similar thing - DM me. Your story deserves to be told.

[Jayesh Chavan @jayesh8826]

@Technicalchart1 @HDFC_Bank @RBI

HDFC didn't just hold the money; they used it for Float Interest to boost their liquidity/balance sheet for 432 days. 📉

The cost? My late mother's medical policy EXPIRED because of their 'Third Party' silence. They recognized me for a Manual NEFT refund but hide behind 'Third Party' status only to avoid the @RBI penalty. 🛑

This is a governance failure, plain and simple. ⚖️"

[Jayesh Chavan @jayesh8826]

@NIKHILLJHA @RBI @ComplainingCow, is this 'Responsible Banking'? HDFC (NYSE: HDB) held a 67yr senior's funds for 432 days. They bypassed @RBI automated penalties with a MANUAL NEFT refund, then claimed he's a 'Third Party' to avoid statutory interest. Is this a global ESG standard? 🧐
#HDFCBank

[Jayesh Chavan @jayesh8826]

Can HDFC Bank legally hold a senior citizen's money in an internal Pool Account (50200000000021) for 432 days and then issue a DIRECT MANUAL NEFT REFUND to bypass @RBI T+1 reversal penalties? 🛑

They are now calling me a "Third Party" to avoid paying the ₹100/day statutory penalty (₹43,100), despite establishing a direct relationship via that manual NEFT.

How do I force them to account for the interest earned during that 14-month delay? Is there a way to hold their Compliance Officer personally liable for this #Governance failure?

@HDFC_Bank @HDFCBank_Cares @RBI @FinMinIndia #HDFCBank #ConsumerRights #SeniorCitizenRights

[Jayesh Chavan @jayesh8826]

@ZeeBusiness @RBI @FinMinIndia While RBI cracks down on licenses, what about @HDFC_Bank evading T+1 mandates? 🛑
67yo senior's funds held 432 DAYS. HDFC sent a DIRECT MANUAL NEFT to me (UTR: 2022061544990001) but now claims I'm a "Third Party" to avoid ₹100/day @RBI penalty.

VOTE BELOW:

#HDFCBank #BankingRules #GovernanceFailure