Prasanta Kumar Behera filed a complaint on Choice4Voice.com against State Bank of India, alleging unauthorized deduction towards PMJJBY without his consent.
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Complaint Summary : Unauthorized Deduction Complaint Against SBI by Prasanta Kumar Behera – PMJJBY Charges Without Consent
| Field | Details |
|---|---|
| Complainant Name | Prasanta Kumar Behera |
| Profession | Assistant Team Manager at IndiaFirst Life (Bancassurance) |
| Company/Bank | State Bank of India (SBI), Sarsada Branch (06417) |
| Complaint Type | Unauthorized Transaction / Deduction |
| Issue Reported | Deduction of money towards PMJJBY on 30th August 2025 without customer consent |
| Date of Incident | 30th August 2025 |
| Location | India |
| Contacted Bank? | Not mentioned |
| Status | Unresolved |
| Original Post URL | LinkedIn Source |
Full Complaint Write-Up
Prasanta Kumar Behera, an Assistant Team Manager at IndiaFirst Life (Bancassurance), has raised a serious complaint against the State Bank of India (SBI), Sarsada Branch (06417).
According to Prasanta, an unauthorized transaction was made on 30th August 2025 towards Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) without his knowledge or consent.
He strongly criticized the bank’s action, questioning how SBI could deduct charges without any explicit approval from the account holder. Describing the act as “Shameful”, he demanded an immediate investigation into the unauthorized deduction.
Prasanta has also cautioned the bank of possible consequences if the matter is not resolved promptly. His LinkedIn post highlights growing concerns among customers about unauthorized deductions for insurance schemes by banks.
This case emphasizes the need for banks to ensure transparency, obtain proper customer consent, and follow RBI guidelines strictly before enrolling customers into schemes like PMJJBY.
Common Questions & Answers (Q&A)
Q1. Who filed the complaint against SBI?
Ans. The complaint was filed by Prasanta Kumar Behera, Assistant Team Manager at IndiaFirst Life.
Q2. What is the main issue in this complaint?
Ans. Unauthorized deduction of money towards PMJJBY without customer consent.
Q3. Which SBI branch is involved?
Ans. The Sarsada Branch (06417) of State Bank of India.
Q4. When did the unauthorized transaction occur?
Ans. On 30th August 2025.
Q5. What is PMJJBY?
Ans. PMJJBY stands for Pradhan Mantri Jeevan Jyoti Bima Yojana, a government-backed life insurance scheme.
Q6. Did the customer give consent for the deduction?
Ans. No, the deduction was allegedly done without his consent.
Q7. What action does the complainant want from SBI?
Ans. A proper investigation and resolution of the unauthorized transaction.
Q8. How did the customer describe the incident?
Ans. He described it as “Shameful” and unacceptable.
Q9. Has SBI responded to the complaint?
Ans. As of now, there is no mention of any response from SBI.
Q10. What authority regulates such transactions?
Ans. The Reserve Bank of India (RBI) regulates and monitors such banking practices.
Q11. Why is this case important for customers?
Ans. It highlights the issue of unauthorized deductions by banks without customer approval.
Q12. Can customers opt out of PMJJBY?
Ans. Yes, but enrollment must be done with explicit consent. Unauthorized enrollment is against RBI norms.
Q13. What could be the consequences for SBI if proven guilty?
Ans. Penalties, regulatory action, and possible consumer court cases.
Q14. What steps should SBI take in such cases?
Ans. Refund the unauthorized deduction, conduct an internal audit, and ensure accountability.
Q15. Can a customer file a complaint with RBI?
Ans. Yes, complaints can be escalated to the Banking Ombudsman under RBI.
Q16. What rights do customers have in such cases?
Ans. Customers have the right to full disclosure, informed consent, and refund of unauthorized deductions.
Q17. Is this an isolated incident?
Ans. No, several customers have reported similar unauthorized deductions by banks for schemes like PMJJBY and PMSBY.
Q18. How can consumers protect themselves from such charges?
Ans. Regularly check bank statements and raise objections immediately for unknown deductions.
Q19. Does RBI allow auto-debit without consent?
Ans. No, RBI mandates explicit consent from customers before auto-debits for insurance schemes.
Q20. How can affected customers raise complaints officially?
Ans. They can file complaints via SBI’s grievance redressal system, RBI Ombudsman, Consumer Court, or Choice4Voice.com.
👉 If you have also faced unauthorized deductions by banks, you can raise your complaint on Choice4Voice.com. We help consumers get their voices heard and push companies toward accountability.
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