Can I Change My LIC Agent ?

One of my client ask me that their LIC agent is not cooperating / assisting to them if he is in need of any query of help, so transfer my policy under your agency name. I told them it is not possible right now because LIC has not provided Agent Portability. So if you are in need of any assistant tel me if I can do so.

During the time of buying the policy, all insurance agent claims big promises like they always take care of your policy, any other services related issue or ready to serve you in case of sudden demise of a policyholder. But the reality is little different. There are many reasons for that. One of them are mostly agent do this profession as part time job. Hence all agent not committing full time to their service. And this may be possibly that policy holder may not get proper service from their agent. 

Majority of Insurance agents does not care for after sales service however, few of them take care of their clients with a hope for further policy or references. 

LIC agent is a salesman who just acts as an intermediate between the customer and LIC of India. Once the plan is sold by the agent to the customer, then you are only a customer of LIC of India and the agent has no liability towards you. So, if your agent is not assisting you in depositing LIC Premium, or some other help then you can not do any thing. 

The only exception is being that if a plan is sold to you with improper information you can withdraw your insurance policy within 15 days.

As of now there are no such rules set either by Insurance Companies or from IRDA regarding change / port of Agent.

But if your agent has died then you can write an application to the branch and ask them to assign your policies in the name of your new agent. But it is possible only if your policy becomes an Orphan Policy. 

The policy (ies) initially effected by an Individual Agent whose services were subsequently terminated or removed from LIC are qualified as Orphan Policy (ies) and are qualified as Orphan Policy for the purpose of Agent Portability Rules. Except the policies whose effecting agent is entitled to renewal commission under section 44 of the Insurance Act , 1938 and The policies falling under proviso of Rule 10 (4) of LIC of India (Agents) Rules, 1972.

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How To Link Aadhar No. With Insurance Policies ?

On 08th November 2017, IRDA (Insurance Regulatory And Development Authority of India) issued a Circular No.IRDAI/SDD/MISC/CIR/248/11/2017  that linking your Aadhar No. and PAN is mandatory with all your insurance policies. Read this Circular is as below :

"Central Government vide gazette notification dated 1^st June 2017 notified the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017 making Aaadhar and PAN/Form 60 mandatory for availing financial services including Insurance and also for linking the existing policies with the same.

The Authority clarifies that, linkage of Aadhaar number to Insurance Policies is mandatory under the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017.

These Rules have statutory force and, as such, Life and General Insurers (Including Standalone Health Insurers) have to implement them without awaiting further instructions".

Why it is became so important to all policy holder? It is just to save your investment from any future fraud. We have to understand the importance to link Aadhar to LIC Policies and Linking of PAN to all insurance policies you are having. 

However the question is, How to link Aadhar No. to LIC Policies? Neither IRDA nor LIC company provided any facility to link their policies with Aadhar. Though there are two ways that you can link your Aadhar no with your insurance policies.

1. Link Aadhar / PAN while buying New Policy:

If you are planning to buy any new insurance policy then there are facility to link your Aadhar No. along with your PAN by providing a self attested copy with new proposal form. 

Therefore who are buying new LIC products should no need to bother now. The process will be completed by LIC itself before issuing a new policy to you.

2. Link Aadhar / PAN to existing LIC Policies:

As I told you, as of now LIC did not came up any online linking facility to existing policies. However you can visit your branch and link Aadhar & PAN to LIC Policies. Do remember to get an acknowledgement of the same.

LIC has the main problem that they don' have any centralized system to manage all policies and customer. It will be little problematic if you have policies from different branch but if it is from same branch then it will be easy.

You can make a list of all your policies with other details like Insured Person Detail, Premium (without tax) along with a letter and self attested Aadhar copy along with PAN/Form 60 (If not provided earlier) and put request to the concerned authority/ LIC agent to do the same.

It is clearly stated in this circular that every person/entities has to link their Aadhar with all kind of insurance policies including Group Policies.

Aadhaar Number has to be captured for both Customer and Proposer.

In case where the Aadhaar number has not been assigned to a client, the client shall furnish proof of application of enrollment for Aadhaar.

The various entities and whose Aadhaar Number has to be captured is clarified as follows,

a.       Individual : The Aadhaar Number of the Individual.

b.      Company / Partnership / Trust :Aadhaar Number issued to the person holding an attorney to transact on the Company’s/Partnership’s/Trust’s behalf.

Click here to link your Aadhaar with LIC Policies

Or  

if you want to link process manually/self by visiting branch, here is the Annexure (Application Format) 

What is Form 60? 

Form 60 is a self declaration provided as per requirement & filled by those individuals or person who does not have a PAN ( Permanent Account Number) and who enters into any transaction specified in Rule114B.

Who Require to provide Form 60?

Some person who have insurance policies but they do not earn as per Income Tax threshold limit then they can provide Form 60. 

Before signing the declaration, this declarant should satisfy himself that the information furnished in this form is True, Correct and Complete in all respects. Any person making a false statement in the declaration shall be liable to prosecution under section 277 of the income tax act,1961 and on conviction be punishable.

HOW TO LINK STAR HEALTH INSURANCE POLICY WITH AADHAR NO.?

Here providing you the link. Click here. You will be asked for Policy No., fill up and submit it. 

An OTP will be sent on your registered email ID and your registered Mobile No., fill OTP and submit.

Now provide your Aadhaar No. and PAN no. and submit.

A massage will prompt for successfully submission of PAN And Aadhaar No.


Don't go with any spurious  call to help to link your Aadhaar with Policy. 

Don't Share your personal details with any unknown person.

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Insurance Premium Saving Factors !

Friends asks, how to save insurance premium? What are the way to save insurance premium? How I can save insurance premium? What are the factors that affect insurance premiums? Hope many of us always thinking about this. And always ask our Insurance Agent friends. 

A Lower premium paid can yield to a good amount of savings over a period of few years. Life insurance premiums are based on number of factors and it can be quite tedious for few people to understand. Like why insurance premium of  same same are not same? Why premium of same age & same amount not same? etc..

There are some factors that many insurance companies consider when pricing their policies. Those factors can effect your life insurance premium which not in our control but we can.

There are some factors listed below which affect our life insurance premiums are:

a) Age Factor: This is factor always affects insurance premium. If you are young the rates will be lower in comparison to someone older. The death possibility or contract to life threatening disease in younger individual are very low. The insurance companies believes that a young can pay many insurance premium installments before they have to write a cheque for your family.

b) Policy Type Factor: Different type of policy charges different types of life insurance premium for the same person for same tenure and same Sum Assured. It differs the bonus amount/ Loyalty Amount payable on that policy. Like Premium of New Jeevan Anand Policy and New Endowment Policy of 21 year old person for 20 years terms are differ.  

c) Policy Tenure Factor: The policy tenure also affects insurance premium. The longer the tenure of the policy the larger the amount of benefit at the time of death as well as lower premium amounts. Short term policy are more expensive than of long term insurance policy.

d) Rider Factors: Some policy offers riders on that particular policy. If someone opt this rider than its premium amount become higher than without rider. So when you opt it think about it.

e) Medical History Factor: Every person who like have an insurance policy need to provide their health records.These records ensures that you don't have any chronic diseases or potential health issues. This keeps a check on your premium amount.  

But if a person has medical history of serious illness like cancer, heart diseases or any other then that makes them susceptible to get these from a hereditary perspective. Which increases the individuals insurance premium by larger margin than.

f) Profession Factor: Your profession/job also plays an important role in the premium you pay for the policy you want to take. Any policy holder working in the mining industry, oil And gas, fisheries or any other dangerous profession increases the premium amount.

g) Hobby Factor: Many insurers have a higher premium for people who love to takes risks for the thrill of it, like speeding cars / car race, climbing treacherous mountains or participates in other high risks activities. Thereby increasing your premium to substantially more than other.

h) Drinking / Smoking: Insurance companies ensure to ask the applicant if they are smoker or drinker. Drinking or smoking is always injurious to health. So if you are a smoker / drinker that raises red flag to insurance companies. Mostly these kind of people pays double the insurance premium than that of non-smoker/drinker. So, avoid it.

i) Gender Factor: Insurance companies ask for your gender. This does not mean insurance companies are against gender equality, But they believes that there is a different life expectancy for different genders. As per studies and statistical findings, women are believed to live 5 years more than men at the minimum resource. Therefor affecting the premium they pay for a larger period of time but at lower rate which is a plus point for the women.

How these factors affect your insurance premium is depends on the insurance company policy about the way they treat these factors and the combination of them. Every insurance policy is based on each individual and premiums are calculated on the insurance company's rules of rating.

Consider these above factors to live a health life and save money.

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With Profit And Without Profit Plans

Many people who have their life insurance policy get notice that their plan is may be "With Profit" or "Without Profit". Some time they thought why certain plans are categorized like this. And wiling to ask their agent. Here are the answer.

An Insurance Policy can be "With" or "Without" profit. Life insurance companies from time to time declare bonus (profit share) on their plans. 

An insurance plans in which this bonus/profit share is passed on to the policy holders is called a "with profit" plan. Bonus are allotted after certain periodical valuations to the policy and are payable with the maturity amount.

But  in a "without profit" plan this bonus is not passed on to the policy holders. Therefore, the premium rate charged for a "with profit" plan is little higher than that for a "without profit" plan. 

The percentage of bonus may vary from one policy to another depending on the type, term and the premium of the respective policy, amount other considerations.

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Register and Get Facility with LIC eService Portal

LIC has comes up with some new features with Lic’s e-service. You can register your policies at LIC portal with some simple steps and save lots of time.

Lic’s e-service is an initiative is to provide you with on demand service within a few clicks! You can now have many of the functionalities that were available only at branch office, Now it will be online at your fingertips. To avail this facility you have to get register as customer on LIC portal.

How to get Register on LIC Portal:

First you have to visit www.licindia.in  , click on the tab “New User “ , select your own USER ID & Password and provide all the other necessary information . Now you are a registered customer portal user.

LIC’s e-services portal for customers has come up with a lot of new facilities. Now if you register you can avail the following benefits: 

1.  Online Payment Facilities:

This facility provided to pay renewal premium dues, payment, repayment and loan interest due of loan through net banking, debit card, credit card, BHIM, UPI

2.   POLICY Schedule:

First page of policy bond which constitutes policy schedule will be displayed.

3.   Policy Status :

Basic detail of policy will be displayed such as plan, term, sum assured, date of commencement, first unpaid premium etc.

4.  Bonus Status :

     Total bonus accumulated under the policy will be displayed.

5.  Loan Status :

Present loan position will be displayed such as total loan outstanding under the policy, due up to which loan interest paid etc.

6.  Claim Status:

This option will display date of survival benefit (if any) or maturity benefit due under the policy during the policy term.

7.  Revival Quotation:

Revival quotation will be provided in case of lapse  policies.

8.  Premium Due Calendar:

Detail of premium due during the year (month wise) will be displayed.

9.  Premium Paid Certificate:

Individual policy – it provides history of premium paid under a single policy during the financial year.

Consolidated – it provides history of premium paid under all the registered own life policies of the user.

10. Claim History:

 This option will provide details of any claim paid under the policy with NEFT/  Cheque details, date of payment and amount of payment.

11.  Policy bond/proposal form image;

 Scanned image of the policy bond as well as proposal form will be displayed for enrolled  policies.

12.  Grievance registration:

Facility to register a complaint /grievance with insurer.

In future the benefits will further be enhanced. If you face any problem in registering, you may contact us/your Agent or to your nearest LIC Branch.

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Tax Relief For Agents

LIC agents main earning is commission. So, Income Tax Department allows some relief to favour Insurance agent. But this relief is for small commission earning agent. If commission earned from LIC insurance business is below Rs.60,000/- p.a. and if no separate books of accounts maintained then the entitlement for deduction is as follows:

i) On First Year Commission - deduction is 50%  

ii) On Renewal Commission - deduction is 15%

The LIC Commission after claiming deduction was mentioned above will be included and can be disclose with other source of income for tax purpose.

The benefit of Adhoc deduction will not be available to agents who have earned total commission of income more than Rs.60,000/- during the year.

In case gross commission earned by an Agent from LIC exceeds Rs.60,000/- per annum  then, he will be not entitled for claiming deduction referred above. He has to maintain books of accounts as required under the Income Tax Act. The following books and documents are recommended to be maintained :

1) Cash Book

2) Bank Book

3) Ledger Book

4) Journal Book

5) Vouchers And Bills

6) LIC Commission Statement

7) TDS Certificates Received from LIC

8) Bank Pass Book, Cheques Book, Deposit Voucher

9) All Other Connected Documents 

Also Read : deduction U/S 57 For LIC Agents

LIC Agents are entitled to claim all expenses incurred for generating LIC Commission such as :

a) Salary to Staff

b) Rent for Office Premises, in case own office then maintenance for the same

c) Fuel Expenses and maintenance for maintaining vehicles.

d) Books, Publications, Periodicals expenses connected to business

e) Printing And Stationery

f) Electricity Expenses

g) Travelling / conveyance Expenses

h) Telephone / Mobile / Internet Expenses

i) Postage Expenses

j) Depreciation Expenses on Vehicles, Computers and Other Office Equipment

k) Gifts, Diaries, Calenders Expenses etc.

l) Staff Welfare Expenses

m) Any Other Expenses related to generate commission.

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Procedure to Get Duplicate LIC Bonds

LIC Bond is the written contract form between insurer and insured, it is the most important documents from LIC point of view. And it is the main evidence for the policy holder that they are insured from LIC of India. So, keep it safe.

If it is misplaced due to some reason due to Shifting or theft or fire or any other reason you are not able to locate/find it then you can apply for duplicate LIC Insurance Policy bond.      

There are some documents and procedures to arrange and follow to get it from your your LIC Branch.

1. Go to your LIC Home Branch and ask the procedure.
2. Get Form No.3762 get type this details on Non-Judiciary Bond Papers of Rs.100/- as self                      declaration and get it notarize from the notary.

Along with above documents with One Photo ID and Address Proof  Submit these documents to your home branch. LIC may charge you some Stamp Charge require to be pay by applicant. The Stamp Charges may differ from Plan to Plan and value to Sum Assured (Sum Assured is the amount that an insurer agrees to pay on the occurrence of an event). Don't forget to take receipts for the same.

These procedure may take normally 5 to 7 working days. If facing any problem and want to know more about all these kindly contact me.

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Which is better Paid-Up or Surrender?

A life insurance policy in which if all the premium payments are complete till some specified period and insured person is free of all payment obligations and the policy stays intact until insured's death or termination by its maturity or Surrender of the policy is called Paid-Up Policy.

Life Insurance Policies usually last the insured person's lifetime or maturity period, but some some policies can be paid up completely till a specified period. Only Traditional Life Insurance Plans can be a Paid Up Policy. 

It is calculated as the ratio of number of premium paid to the total number of premiums payable multiplied by the Sum Assured value.

 i.e. Paid-Up Value = No. of Premium paid /No. Premiums Payable X Sum Assured.

For Example:  Pradip has one traditional Endowment Policy having Sum Assured Value Rs.2,00,000/- and the policy tenure is 16 years. Unfortunately Pradip did not able to continue his policy after continuing is upto 8 years full premium paid. 
Now from very next year he did not paid any due premium to make it continue, hence very next year this policy become automatically a Paid-Up policy.

Which is better Paid-Up or Surrender of Policy?

Now, Pradip has two option either he can go and surrender his policy by providing all necessary documents to the branch or let it become Paid-Up.

Also Read : How To Surrender An LIC Policy ??

A Policy can be paid-up from next premium due. Suppose I continue my policy up-to 8 years and from next year I fail to pay premium then it become automatically Paid-up to its proportionate to its  premium paid ; Payable And Sum Assured.

Every Insurance Plan has it surrender value which can be known from servicing branch. Its is approx 30% of Sum Assured in regular plan and up-to 90% in single premium plan.

If we calculate in both condition then we can make comparison itself and understand which is better. For Example you have S.A.=2,00,000/-; Tenure - 16 Years; Premium - Rs.13000 (Approx); Premium Paid up-to full 8 years.

Surrender Value : Rs.2,00,000 X 30% = Rs.60,000/-  (Immediate Payment)

Paid-Up Value : Rs.2,00,000 X 8/16 = Rs.1,00,000/- + Vested Bonus  (Payment after death or maturity)

You can decide which is better. On Surrender you will get immediate payment while on letting Paid-Up of Policy you will get after death or maturity which ever is earlier)

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LIC Delhi - Branch Addresses And Email ID

Here  I am giving you list of all LIC India branches situated in Delhi. It will help you to find its address as well as email ID to communicate with your home branches or servicing branches. LIC India has allotted email id to its all branches in a smart way. 

Suppose you are looking email id of branch 11J then email id will be BO_11J@LICINDIA.COM in same way you can write email by creating email id of your servicing branch in same as above.

You can also get in touch with your LIC Agent or your LIC Nearest Branch in your city. With this you can avail following services :

: - Change of Address in Policy
: - To Collect Premium
: - To Deposit Insurance Premium
: - To collect Insurance Premium Paid Certificate
: - For Grievance Redressal
: - To Know more about latest LIC Insurance Plans and benefits
: -  For assistance to register on LIC Online Portal 

For more you need to type the SMS: SMS LICHELP <pol.no.> to 9222492224 or 56767877. Toll Free Number – you may even contact LIC customer Care service at its toll free numbers - 1800-33-4433 and 1800-22-4077

BRANCH NAME	BRANCH TYPE	BRANCH CODE	ADDRESS	PINCODE
LIC of India, Delhi CAB 1021	BO	1021	LIC of India, Delhi CAB 1021 18/60, Geeta Colony Delhi	110031
LIC of India, Rohini Branch Office	BO	12T	7th  Floor,Sachdeva Corporate  Tower D.D.A. Commercial Complex Rohini Sector-8, Delhi	110085
Jeevan Bharati, Tower I	Zonal Office	‘01	Jeevan Bharati, Tower II, 124, connaught Circuls, New Delhi	110001
D-5,Amanpuri	Satellite Office	11WT001	D-5,Amanpuri, Kanha Ram Complex,Najafgarh Road, Nangloi,New delhi	110041
LIC of India, Rajouri Garden SO,	Satellite Office	0129T001	LIC of India, Rajouri Garden SO, , 2nd floor, B2 Parkash House, Rajouri Garden, Dist. West Delhi	110027
1st & 2nd floor, Plot No.4	Satellite Office	0128C001	1st & 2nd floor, Plot No.4, Community Center, Mayapuri   Phase I, New Delhi.	110064
2-A, R-Block,	Satellite Office	031BT001	2-A, R-Block, , 1st floor, Uttam Nagar, New Delhi-110059	110059
JEEVAN PRAVAH	Divisional Office	‘033	Jeevan Pravah, Disstt.Centre, Janakpuri, New Delhi - III	110058
2ND FLOOR, JEEVAN PRAVAH	Branch Office	033B	2nd Floor, Jeevan Pravah, Disstt.Centre, Janakpuri, New Delhi	110058
2ND FLOOR, JEEVAN PRAVAH	Branch Office	033B	2nd Floor, Jeevan Pravah, Disstt.Centre, Janakpuri, New Delhi	110058
4-B/2, TILAK NAGAR	Branch Office	033A	4-B/2, Tilak Nagar, Delhi	110018
IST FLOOR,JEEVAN PRAVAH	Branch Office	031B	Ist  Floor, Jeevan Pravah, Disstt.Centre, Janakpuri, New Delhi	110058
Plot no 17,18,19,	Branch Office	011W	Plot no 17,18,19,, LSC,Bhera Enclave,, New Delhi	110058
A-3/24, First floor	Branch Office	011A	A-3/24, First floor, Janak Puri, New Delhi	110058
20A, 1ST FLOOR, SHIVAJI MARG	Branch Office	129	20A, 1st Floor, ShivajiI Marg, Near Moti Nagar Police Station, New Delhi	110015
C-26-27, COMMMUNITY CENTRE	Branch Office	128	C-26-27, Community Centre, Near Janak Cinema, Pankha Road, Janakpuri, New DelhiI	110058
PLOT NO.7-8, CENTRAL MARKET	Branch Office	012N	Plot No.7-8, Central Market, Sector 6, Dwarka, New Delhi	110075
F-WING,1ST FLOOR	Branch Office	012E	F-Wing,1st  Floor, Local Shopping Centre, Ring Rorad, Naraina, New Delhi	110028
1st floor, 1643 Thana Road	Branch Office	011Y	1st floor, 1643 Thana Road, Najafgarh, New Delhi	110043
C-29,COMMMUNITY CENTRE	Branch Office	011T	C-29,Communicty Centre, Naraina Vihar Phase 1, New Delhi	110028
201, Garg Trade Centre	Satellite Office	012HT001	201, Garg Trade Centre, Sector-II, Rohini	110085
C-5-6, SANJAY MARKET	Branch Office	012H	C-5-6, Sanjay Market, Sector 2, Rohini, New Delhi	110085
39/14, Main Bawana Road	Satellite Office	012TT001	39/14, Main Bawana Road , Samaypur,Badli,, Delhi	110042
F-2/4	Satellite Office	011MT001	F-2/4, Krishna Nagar, Delhi	110051
K-59, Lajpat Nagar-2	Satellite Office	011ET001	K-59, Lajpat Nagar-2, New Delhi	110024
31, COMMUNITY CENTRE,	Branch Office	312	31, Community Centre, New Friends Colony, New Delhi	110065
Splendour Forum Building	Branch Office	012B	Splendour Forum Building, Plot No.3, Jasola Dist.Centre, Nr. apollo Hospital, Jasola-Sarita Vihar, New Delhi	110025
703, 704, 706, NDM-2	Satellite Office	0123C001	703, 704, 706, NDM-2, Netaji Subhash Place, Pitampura	110034
Batra Cinema Complex	Satellite Office	0123T001	Batra Cinema Complex, Mikerjee Nagar, Delhi	110009
G-1,MODEL TOWN	Branch Office	123	G-1,Model Town, Delhi	110009
PLOT NO-16, I BLOCK, SECTOR-1	Branch Office	011L	Plot No-16, I Block, Sector-1, DSIDC, Near ITI, Narela, Delhi	110040
16-A, KAMLA NAGAR	Branch Office	011E	16-A, Kamla, Nagar, Delhi	110007
Sachdev Corporate Tower,	Branch Office	012T	Sachdev Corporate Tower,, 7th floor,Plot 8,Sec 8,, Rohini Delhi	110085
Sikka Galaxy	Satellite Office	011BT001	Sikka Galaxy, Local Shopping Centre, Shreshta Vihar, Delhi	110092
SCOPE MINAR, 9TH FLOOR,	Divisional Office	12	Scope Minar, 9th Floor, Laxmi Nagar, Delhi-II	110092
TIRUPATI BALAJI BUILDING	Branch Office	012F	Tirupati Balaji Building, 13/14, DDA Local Shopping, Centre, Pocket-II,Mayur Vihar	110091
SF-29,30,31	Branch Office	012D	SF-29,30,31, Aditya Mega Mall, Near Karkardooma Court, CBD, Shahdra	110032
F-149, MAIN BAZAR,	Branch Office	012K	F-149, Main Bazar, Laxmi Nagar, Delhi	110092
29-30, ANUVRAT TOWER	Branch Office	011P	29-30, Anuvrat Tower, Wazirpur, Community Centre, Delhi	110052
G.T. ROAD,	Branch Office	011M	G.T. Road, Dilshad Garden, Delhi	110092
3rd & 4th floor, Jeevan Pragati	Branch Office	011D	3rd & 4th floor, Jeevan Pragati, 16. District Centre, Laxmi Nagar	110092
1st & 2nd Floor, Jeevan Pragati	Branch Office	011B	1st & 2nd Floor, Jeevan Pragati, 16, District Centre, Laxmi Nagar	110092
CAB, 517, KOTHI BHAGWAN	Branch Office	1021	CAB, 517, Kothi Bhagwan, Dass, Main Road Gandhi, Nagar, Delhi	110031
B 125 Hardevpuri	Branch Office	012L	B 125 Hardevpuri,, Sikka Neet House, Near Durgapuri Chowk Shahdara	110092
SUNLIGHT BUILDING,	Branch Office	327	Sunlight Building, Ist Floor, Asaf Ali Road, Delhi	110002
JEEVAN RAKSHA BUILDING	Branch Office	326	Jeevan Raksha Building, Ist  Floor, 12/1 Asaf Ali Road, New Delhi	110002
LAXMI INSURANCE BUILDING	Branch Office	320	Laxmi Insurance Building, Asaf Ali Rorad, Delhi	110002
BHARAT BASE BUILDING,	Branch Office	126	Bharat Base Building, Ist  Floor, 10, Daryaganj, Delhi	110002
LAXMI INSURANCE BUILDING	Branch Office	116	Laxmi Insurance Building, 1st Floor, Asaf Ali Rorad, Delhi	110002
STATE BANK BUILDING	Branch Office	114	State Bank Building, Chandni Chowk, Delhi	110006
2/25, ROOP NAGAR	Branch Office	012P	2/25, Roop Nagar, Delhi	110007
3909-3912, HAMILTON ROAD	Branch Office	012C	3909-3912, Hamilton Road,, Mori Gate, Delhi	110006
12/56, DESHBANDHU GUPTA	Branch Office	011K	12/56, Deshbandhu Gupta, Road, Karol Bagh, New Delhi	110005
B-1/I-1	Satellite Office	12B/C001	B-1/I-1, OHAN Co-Operative, Industrial Estate	110044
H-39, New Asiatic Building	Satellite Office	120T001	H-39, New Asiatic Building, Connaught Place, New Delhi	110001
Building No.11917	Satellite Office	0124T001	Building No.11917, Bapu Sadan, Sant Nagar, Karol Bagh, New Delhi	110005
Block 5, 4th Floor,	Branch Office	311	Block 5, 4th Floor,, Shopping Complex, Rajendra Place, New Delhi	110005
Block B, Plot No.1	Satellite Office	0311T001	Block B, Plot No.1, Local Shopping Center, Vasant Kunj	110070
18A/2, Ward No. 1	Branch Office	011N	18A/2, Ward No. 1, , DESU Road, , Mehrauli, New Delhi	110030
Shop No.19 C, 19D, 20D	Branch Office	127	Shop No.19 C, 19D, 20D, DDA Complex, Vasant Lok, Vasant Vihar, New Delhi	110057
H-1, First floor, Vikramditya Town	Satellite Office	011ST001	H-1, First floor, Vikramditya Town, DDA Market, Alakanda   Commercial	110019
G-9, Vardhman Trade Center	Branch Office	012G	G-9, Vardhman Trade Center, Nehru Place, New Delhi	110001
NBCC Tower-IV,	Branch Office	011X	NBCC Tower-IV, , Sector-5, Pushp Vihar, Saket,, New Delhi	110017
53/54,	Branch Office	011S	53/54,, Govardhan Bldg., Nehru Place, New Delhi	110001
August Kranti Bhawan	Branch Office	011R	August Kranti Bhawan, Plot No.25, Bhikaji Cama Place, New Delhi	110001
M-1,	Branch Office	011F	M-1,, South Extn. Part II, New Delhi	110019
DDA Community Center	Satellite Office	0310T001	DDA Community Center, Plot No.32, Pitampura	110085
4 B.S. Zafar Marg	Branch Office	031A	4 B.S. Zafar Marg, Nehru House, New Delhi	110002
Jeevan Prakash Bldg., 3rd floor	Satellite Office	0112C001	Jeevan Prakash Bldg., 3rd floor, 25, K.G. Marg, Connaught Place, New Delhi	110001
Jeevan Praksh, Post Box No.102	P&GS Unit	G103	Jeevan Praksh, Post Box No.102, 25, Kasturba Gandhi Marg, New Delhi	110001
F-19, United India Bldg.	Branch Office	031C	F-19, United India Bldg., Connaught Place, New Delhi	110001
3C-2,	Branch Office	031D	3C-2,, New Rohtak Road, New Delhi	110005
16 A/8	Branch Office	012A	16 A/8, W E A Karol Bagh, New Delhi	110005
25 K.G. Marg	Branch Office	011J	25 K.G. Marg, Jeevan Prakash Building, New Delhi	110001
United India Building, 3rd Floor,	Branch Office	011C	United India Building, 3rd Floor, , Connaught Place, , New Delhi	110001
Oriental 1st and 2nd floor	Branch Office	310	Oriental 1st and 2nd floor, 86, Janpath, New Delhi	110001
F-41, first floor	Branch Office	120	F-41, first floor, Connaught Place, New Delhi	110001
Building No.11917,	Branch Office	124	Building No.11917,, Bapu Sadan, Sant Nagar,, Karol Bagh, New Delhi	110005
C-38, Shopping Complex	Branch Office	119	C-38, Shopping Complex, Moolchand, New Delhi	110024
64	Branch Office	118	64, Janpath, New Delhi	110001
25 K.G. Marg	Branch Office	117	25 K.G. Marg, Jeevan Prakash Building, New Delhi	110001
N-72	Branch Office	115	N-72, Connaught Circus, New Delhi	110001
Jeevan Tara Building	Branch Office	113	Jeevan Tara Building, 1sr Floor, Gate No.4, 5 Sansad Marg, New Delhi	110001
N-69	Branch Office	112	N-69, Connaught Place, New Delhi	110001
Bombay Life Building	Branch Office	111	Boombay Life Building, N Block, Connaught Place, New Delhi	110001
6/32-33	Branch Office	108	6/32-33,, Gurudwara Road, Karol Bagh, New Delhi	110005
9-10,VIPIN GARDEN	Satellite Office	11YT001	9-10,Vipin Garden, Najafgarh Road, Near Metro pillar no-801,Dwarka mode (NAWADA)	110059

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