Manish Chauhan

लखनवी पुणेकर

[Mahaveer Jain @IsraniMahaveer]

₹49.94 LAKH. FOUR FIXED DEPOSITS. FOUR RTGS TRANSACTIONS. A 79-YEAR-OLD SENIOR CITIZEN’S LIFE SAVINGS — GONE WITHOUT HIS KNOWLEDGE OR AUTHORISATION.

My 79-year-old grandfather has lost nearly ₹50 lakh — his lifetime savings — in what appears to be a sophisticated cyber fraud involving his HDFC Bank account.

The facts are deeply alarming:

• 4 Fixed Deposits aggregating ₹49.94 lakh were prematurely broken
• The funds were moved through 4 separate RTGS transactions
• He had no knowledge of, and did not authorise, the FD closures or transfers
• He never shared any OTP, password or banking credentials
• He did not knowingly approve these transactions

We have acted immediately:

✅ Reported the financial cyber fraud through 1930 / National Cyber Crime Reporting Portal
✅ Filed a formal police complaint
✅ Raised an official complaint with HDFC Bank

This raises urgent and serious questions requiring a forensic investigation:

How were four FDs worth ₹49.94 lakh prematurely liquidated?

What authentication, device, IP and session records exist for these transactions?

Were any unusual-login, beneficiary, velocity or high-value transaction risk alerts triggered?

How did four high-value RTGS transactions proceed from the account of a 79-year-old senior citizen without his knowledge or authorisation?

We urgently request @HDFCBank_Cares to treat this as a critical unauthorised transaction and cyber-fraud matter, immediately coordinate with the beneficiary bank(s) and investigating authorities, initiate all possible fund-tracing/freeze/recall measures, and preserve all electronic evidence — including login, IP, device, session, authentication and transaction-monitoring records.

The RBI's customer-protection framework for unauthorised electronic banking transactions places serious responsibilities on regulated entities to investigate disputed transactions and determine customer liability in accordance with applicable regulatory directions.

Every minute matters in financial cyber fraud.

For a 79-year-old senior citizen, this is not merely ₹49.94 lakh.

It is a lifetime of savings. A lifetime of trust. A lifetime of financial security.

We are seeking one thing: an urgent, transparent and forensic investigation — and every possible step to recover his life savings.

Please RETWEET and help this reach the appropriate authorities.

@HDFCBank_Cares @RBI @Cyberdost

#CyberFraud #HDFCBank #CyberCrime #SeniorCitizen #BankingFraud #DigitalBanking #CustomerProtection #India

[Manish Chauhan @linkmanishsc]

@kanavtwt Tch tch tch.

[Manish Chauhan @linkmanishsc]

@malpani @somilagrawal तो नस काट लो या डूब मरो।

[Manish Chauhan @linkmanishsc]

@unseenvalue Incidentally, Neuland's small move in percentages today was equal to my initial investment in 2020 🙂 I can never thank you enough for providing so much wealth of learning through your sessions, videos and write-ups 🙏

[Manish Chauhan @linkmanishsc]

@_morphiine_ Nobody can save Udta Punjab.

[Manish Chauhan @linkmanishsc]

@PulkitA30298377 It is not sad. A very few companies means they have a huge runway to work on this theme.

[Manish Chauhan @linkmanishsc]

@IndianTechGuide @iitbombay Just do it.

[Manish Chauhan @linkmanishsc]

@ayyfahim

[Manish Chauhan @linkmanishsc]

@drprashantmish6 This time during renewal their agent tried to convince me hard to upgrade to their so-called better plan even when I let go my 15 lakh accumulated bonus. After studying the new plan thoroughly, I upgraded. Later, they rejected it due to my PEDs. Wasted my time 😂

[Manish Chauhan @linkmanishsc]

@shaishav1987 @StarHealthIns Drag this buggers to a court for compensation and file a police complaint as well.

[bhaven shah @shaishav1987]

@StarHealthIns Subject: Strong Objection Against Arbitrary Rejection of Claim and Demand for Written Clarification Regarding Allegation of "Nexus"
Policy Holder: Dr. Bhaven Shah
Policy Number: 4144111907026245
Claim Intimation Number: CIR/2027/171229/0283612
Insured: Dr. Bhavenkumar Arvindbhai Shah
Date of Admission: 22 May 2026
Hospital: Akanksha Hospital and Research Institute, Anand, Gujarat
Dear Sir/Madam,
I am writing this letter with deep disappointment and anguish regarding your communication dated 20 June 2026, whereby Star Health refused to admit my claim on the basis of an unsubstantiated allegation that:
"Patient already a doctor by profession in another hospital & nexus found between hospital and patient, hence claim seems to be suspicious."
I have been a loyal policyholder of Star Health for the past 25 years, paying premiums regularly and in good faith with the expectation that genuine medical emergencies would be honored fairly and transparently.
On 22 May 2026, I suffered an Acute Inferior Wall Myocardial Infarction, a life-threatening medical emergency. The diagnosis was supported by:
• Clinical presentation and ECG findings suggestive of acute myocardial infarction.
• Elevated Troponin-I level of 0.85 ng/ml, significantly above the normal reference range of 0.0–0.1 ng/ml.
• Coronary angiography findings.
• Performance of PTCA/PAMI with coronary stenting as an emergency life-saving intervention.
• Submission of all original medical records, angiography reports, stent bills, stent packets, procedure video, discharge documents and supporting evidence.
Despite complete cooperation and submission of exhaustive documentation, Star Health has chosen to reject the claim using the vague and defamatory expression "nexus found between hospital and patient."
I hereby call upon Star Health to answer the following questions in writing:
1. What exactly do you mean by the term "nexus"?
• What is the basis of this allegation?
• What investigation was conducted?
• Who conducted the investigation?
• What evidence was relied upon?
• Was any statement recorded from me or the treating doctors before arriving at this conclusion?
2. How does being a doctor amount to suspicion?
I am a qualified medical practitioner. Merely being a doctor does not deprive me of my right to receive treatment, hospitalization benefits, or insurance coverage.
If Star Health believes that my profession itself constitutes grounds for suspicion, kindly provide the legal and policy basis for such a discriminatory conclusion.
3. Why has Akanksha Hospital been indirectly maligned?
Your letter creates an impression that Akanksha Hospital and Research Institute has acted improperly.
If Star Health possesses any evidence of wrongdoing by the hospital, please disclose the same immediately.
If no such evidence exists, then using terminology such as "nexus" is not only irresponsible but amounts to serious reputational harm and defamation of both:
• Dr. Bhaven Shah, and
• Akanksha Hospital and Research Institute.
4. Why was Clause 1 invoked without proof?
You have referred to "misrepresentation, misdescription or non-disclosure of material facts."
Kindly specify:
• Which material fact was allegedly misrepresented?
• Which fact was not disclosed?
• On what documentary basis was such a conclusion reached?
A mere allegation without particulars is arbitrary, unjustified and contrary to the principles of natural justice.
5. Violation of Good Faith and Fair Claims Practice
I have maintained this policy for approximately 25 years without concealment of facts. Denying a genuine claim arising from an emergency myocardial infarction, despite overwhelming medical evidence, reflects a disturbing disregard for fair claims handling and the trust reposed by policyholders.
Therefore, I demand that Star Health:
1. Provide a detailed written clarification regarding the use of the words "nexus found between hospital and patient."

[Dr Prashant Mishra @drprashantmish6]

Please see the reason for claim rejection, patient is a Doctor in another hospital and Nexus found between hospitals and Doctor so claim looks suspicious .
Star health can reject any claim by innovative claim rejection ideas.

[Dr Prashant Mishra @drprashantmish6]

Star , Care, Niva bupa , Aditya Birla
All are horrible.
Nothing is best but PSU INSURANCE( New India and National), HDFC ERGO , ICICI are much better .

Star and Care are big Nooooooooo.

[bhaven shah @shaishav1987]

@drprashantmish6 being a doctor himself, midnight angioplasty, see cause of denial @StarHealthIns , what we can expect more from this type of companies, defamation case not less than anything

[Manish Chauhan @linkmanishsc]

@DpreetG Increased your follower count by one, buddy!

[Manish Chauhan @linkmanishsc]

@_YogendraYadav अबकी बार "किसान आंदोलन" जैसा कोई नाटक किया तुमने तो तुम्हारी सेवा public ही करेगी, सलीम।

[Manish Chauhan @linkmanishsc]

@ToxicGoonerHQ @GWR No ass, we will not them away.

[Manish Chauhan @linkmanishsc]

@up_10t_army Yes, an Istanbul kind of feel can be brought to Constantinople of the East.

[Manish Chauhan @linkmanishsc]

@contrarianEPS @unseenvalue Lollipop 🍭
https://t.co/M6cDeqhI1J

[Akhil Jain @Akhilja20441968]

@contrarianEPS #LaurusLabs Immunoact, while good for Indians, may not make much of a difference to the overall profitability of #LaurusLab. For investors/suckers, it seems like a new lollipop like the Richcore Lifesciences acquisition, marketed as Bio-CDMO, to suck on.

[Manish Chauhan @linkmanishsc]

@contrarianEPS @unseenvalue No dearth of them 😂
https://t.co/grp5R48f8Y

[Prashanth @Prashanth_Krish]

@contrarianEPS but like Abhimanyu, just knew the way in, not the way out 😉. Momentum players know the way out as well 🙃