Record of Evidence
Two recordings submitted for review. Each exhibit can be played here and downloaded as the original file.
- Exhibits
- 2
- Page prepared
- 24 Sep 2026
| Exhibit | Description | Length |
|---|---|---|
| A | Screen recording of phone | 15:21 |
| B | Phone call recording | 1:29 |
Summary of returns
What the caller in Exhibit B said the policy would pay, set against the policy schedule shown on screen in Exhibit A. Timecodes link to the exact point in each recording.
- Plan
- ICICI Pru GIFT Pro (non-participating, non-linked savings plan)
- Policy no.
- L1093134, accepted 7 Aug 2026
- Premium
- ₹1,02,000 a year for 7 years (last due 7 Aug 2032), ₹7,14,000 in total
- Death cover
- ₹10,85,280
| Told on the call Exhibit B | Policy schedule Exhibit A, | |
|---|---|---|
| At the end of year 7 (Aug 2033) | ₹13,56,600 total amount | ₹6,63,317 Maturity Sum Assured, 7 Aug 2033 |
| Yearly income | ₹51,000 pension, optional | ₹51,235 a year for 5 years, from 7 Aug 2034 (Level Guaranteed Income) |
| Premiums returned (₹7,14,000) | “After that, your principal of ₹7,14,000 is returned” | MoneyBack Benefit of ₹7,14,000, paid 7 Aug 2038 |
| Cashback | 2.46%, released within 30 days | Not listed in the schedule |
| Total paid out | — | ₹16,33,492 between 2033 and 2038 |
Figures in the right column are read from the policy schedule visible in Exhibit A. Summaries of the recordings are translated from Hindi; please use the timecodes to hear the original words.
Exhibit A
Screen recording
- Recorded
- 12 Sep 2026, 11:31 – 11:47
- Length
- 15 min 21 s
- File
- MP4 (H.264), 1080 × 1920, 486 MB
- SHA-256
- 15b485851341a73fce9ddcbaebe2b78bcf1855326e004cb3c4c2280f477f9505
Key moments
Exhibit B
Call recording
Phone call, 11 Jul 2026
What the caller said
- Recorded
- 11 Jul 2026, 12:24
- Length
- 1 min 29 s
- File
- M4A (AAC), 0.7 MB
- SHA-256
- f08d208781c39ad10b45e88071c2eabc3dd553b4363e1504e0732e73207c0c94