How to catch a Fraud ?


” } Google+

Ethical values are the treasure of each individual regardless of the financial status. However these values are put on stake when you are pushed by someone for specific immoral goals achievements. In this article, I shall cover the aspects which are to be considered when trapped in such circumstances. The article covers both professional and personal aspects.

First of all you need to ask yourself following questions in order to have thorough analysis of the situation:
1-    Who is getting benefit out of it? Consider direct and indirect people involved.
2-   Why you (and only you) are being asked/pushed to compromise?
3-   What are the short term and long term personal consequences if you compromise?
4-   What are the risks/impacts on the project/task if you compromise?
5-   What will happen if you don’t compromise?  
6-   Can you consult some other person for advice?
7-   Can you share the risks with other by involving other personnel/department on this task?
8-   What does the company policy say? Are your actions in-line with your Job Descriptions?
Now that you have analyzed the situation, here are the guidelines which you need to consider for corrective and preventive actions:
1-    1-    Sometimes the matter is not really an ethical issue, it’s just a difference of opinion so carefully understand on what you are being asked for. Sometimes you are doing a healthy compromise in the best interest of all stake holders (off course within your ethical values and in line with company policies)
2-   If the matter is really critical, consider approaching the Fraud Management Team of your company. In some of the mature companies ‘whistle blowing’ or ‘anonymous reporting’ systems are set in place.
3-   Seeking advice from your colleagues/close friends broadens your horizon and expose you to more options for consideration. Be careful whom you consider to seek advice. Ask the one who is honest and fair with you and would keep the secret in the long run. 
4-   Discuss the matter with your manager and document it, if possible. Make records for what you do, there is surely someone to ask later.  
5-   Define your principles to others quite often and show it time to time so that people know what type of person you are and what your ethical boundaries are.  This is required to portray the traits of your personality so that others can develop a mental picture of you in their heads.  This will prevent them approaching you for the wrong deeds.
6-   Not every ethical issue is to be taken too much seriously, consequently, allowing it to steal your peace of mind. Every problem has several solutions. Keep it cool, stay mentally healthy, analyze the situation based on 8 points mentioned earlier in the post and then do the right act. 
7-   Sometimes a simple “No” helps. Just say so and put a full stop to the matter. Sometimes this is the most effective tool to use.
Muslim’s approach to handle:
On top of the already explained aspects, a Muslim needs to understand the following as well:
1-    Have faith in Allah SWT and do what He expects from you. Once done, leave it to Him and He will turn the table for you. He is suffice for all your problems provided you have done the ‘right’
2-    Seek wisdom from Allah. Pray for the right path and He will guide you.
3-   Whatever single deed you are doing is being recorded. You are answerable for what you have been doing during your life cycle. Good deeds result in good outcome not only in this world but also on the Day of Judgment; bad deeds bad results, here and hereafter! Be Honest and be fair. Do your self-audit quite often, in line with Islamic Principles. Insha’Allah you won’t regret for any of your deeds if done within Islamic boundaries
4-   Don’t analyze the situation on political grounds which might divert your attention from the right path. Remember, Islam comes first. You should consider this filter for All of your problems. Anything which passes from this filter is the right thing to do.
Conclusion: Ethical Values (such as Truth, Honesty, Fairness, Transparency and self discipline) are unique treasure which you possess. Don’t lose it at any cost. Your values are defining your character which is leading you towards your destiny. Sine you don’t want to be a failure at the end of the day, so you need to stick to the humanitarian principles because the ultimate fact remains the same; ‘As you sow, so shall you reap’. A Study confirms that the people who possess high ethical values are more happy than those who are engaged in fraudulent acts even if former earn less than the deceitful people.

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Ranjani Geethalaya(Regd.) (Registered under Societies Registration Act XXI of 1860. Regn No S/28043 of 1995) A society for promotion of traditional values through,  Music, Dance, Art , Culture, Education and Social service. REGD OFFICE A-73 Inderpuri, New Delhi-110012, INDIA Email: ranjanigeethalaya@gmail.com  web: http://ranjanigeethalaya.webs.com (M)9868369793 all donations/contributions may be sent to Ranjani Geethalaya ( Regd) A/c no 3063000100374737, Punjab National Bank, ER 14, Inder Puri, New Delhi-110012, MICR CODE 110024135  IFSC CODE PUNB00306300

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How to catch a Fraud ?


” } Google+

Ethical values are the treasure of each individual regardless of the financial status. However these values are put on stake when you are pushed by someone for specific immoral goals achievements. In this article, I shall cover the aspects which are to be considered when trapped in such circumstances. The article covers both professional and personal aspects.

First of all you need to ask yourself following questions in order to have thorough analysis of the situation:
1-    Who is getting benefit out of it? Consider direct and indirect people involved.
2-   Why you (and only you) are being asked/pushed to compromise?
3-   What are the short term and long term personal consequences if you compromise?
4-   What are the risks/impacts on the project/task if you compromise?
5-   What will happen if you don’t compromise?  
6-   Can you consult some other person for advice?
7-   Can you share the risks with other by involving other personnel/department on this task?
8-   What does the company policy say? Are your actions in-line with your Job Descriptions?
Now that you have analyzed the situation, here are the guidelines which you need to consider for corrective and preventive actions:
1-    1-    Sometimes the matter is not really an ethical issue, it’s just a difference of opinion so carefully understand on what you are being asked for. Sometimes you are doing a healthy compromise in the best interest of all stake holders (off course within your ethical values and in line with company policies)
2-   If the matter is really critical, consider approaching the Fraud Management Team of your company. In some of the mature companies ‘whistle blowing’ or ‘anonymous reporting’ systems are set in place.
3-   Seeking advice from your colleagues/close friends broadens your horizon and expose you to more options for consideration. Be careful whom you consider to seek advice. Ask the one who is honest and fair with you and would keep the secret in the long run. 
4-   Discuss the matter with your manager and document it, if possible. Make records for what you do, there is surely someone to ask later.  
5-   Define your principles to others quite often and show it time to time so that people know what type of person you are and what your ethical boundaries are.  This is required to portray the traits of your personality so that others can develop a mental picture of you in their heads.  This will prevent them approaching you for the wrong deeds.
6-   Not every ethical issue is to be taken too much seriously, consequently, allowing it to steal your peace of mind. Every problem has several solutions. Keep it cool, stay mentally healthy, analyze the situation based on 8 points mentioned earlier in the post and then do the right act. 
7-   Sometimes a simple “No” helps. Just say so and put a full stop to the matter. Sometimes this is the most effective tool to use.
Muslim’s approach to handle:
On top of the already explained aspects, a Muslim needs to understand the following as well:
1-    Have faith in Allah SWT and do what He expects from you. Once done, leave it to Him and He will turn the table for you. He is suffice for all your problems provided you have done the ‘right’
2-    Seek wisdom from Allah. Pray for the right path and He will guide you.
3-   Whatever single deed you are doing is being recorded. You are answerable for what you have been doing during your life cycle. Good deeds result in good outcome not only in this world but also on the Day of Judgment; bad deeds bad results, here and hereafter! Be Honest and be fair. Do your self-audit quite often, in line with Islamic Principles. Insha’Allah you won’t regret for any of your deeds if done within Islamic boundaries
4-   Don’t analyze the situation on political grounds which might divert your attention from the right path. Remember, Islam comes first. You should consider this filter for All of your problems. Anything which passes from this filter is the right thing to do.
Conclusion: Ethical Values (such as Truth, Honesty, Fairness, Transparency and self discipline) are unique treasure which you possess. Don’t lose it at any cost. Your values are defining your character which is leading you towards your destiny. Sine you don’t want to be a failure at the end of the day, so you need to stick to the humanitarian principles because the ultimate fact remains the same; ‘As you sow, so shall you reap’. A Study confirms that the people who possess high ethical values are more happy than those who are engaged in fraudulent acts even if former earn less than the deceitful people.

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Ranjani Geethalaya(Regd.) (Registered under Societies Registration Act XXI of 1860. Regn No S/28043 of 1995) A society for promotion of traditional values through,  Music, Dance, Art , Culture, Education and Social service. REGD OFFICE A-73 Inderpuri, New Delhi-110012, INDIA Email: ranjanigeethalaya@gmail.com  web: http://ranjanigeethalaya.webs.com (M)9868369793 all donations/contributions may be sent to Ranjani Geethalaya ( Regd) A/c no 3063000100374737, Punjab National Bank, ER 14, Inder Puri, New Delhi-110012, MICR CODE 110024135  IFSC CODE PUNB00306300

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How to catch a Fraud ?


” } Google+

Ethical values are the treasure of each individual regardless of the financial status. However these values are put on stake when you are pushed by someone for specific immoral goals achievements. In this article, I shall cover the aspects which are to be considered when trapped in such circumstances. The article covers both professional and personal aspects.

First of all you need to ask yourself following questions in order to have thorough analysis of the situation:
1-    Who is getting benefit out of it? Consider direct and indirect people involved.
2-   Why you (and only you) are being asked/pushed to compromise?
3-   What are the short term and long term personal consequences if you compromise?
4-   What are the risks/impacts on the project/task if you compromise?
5-   What will happen if you don’t compromise?  
6-   Can you consult some other person for advice?
7-   Can you share the risks with other by involving other personnel/department on this task?
8-   What does the company policy say? Are your actions in-line with your Job Descriptions?
Now that you have analyzed the situation, here are the guidelines which you need to consider for corrective and preventive actions:
1-    1-    Sometimes the matter is not really an ethical issue, it’s just a difference of opinion so carefully understand on what you are being asked for. Sometimes you are doing a healthy compromise in the best interest of all stake holders (off course within your ethical values and in line with company policies)
2-   If the matter is really critical, consider approaching the Fraud Management Team of your company. In some of the mature companies ‘whistle blowing’ or ‘anonymous reporting’ systems are set in place.
3-   Seeking advice from your colleagues/close friends broadens your horizon and expose you to more options for consideration. Be careful whom you consider to seek advice. Ask the one who is honest and fair with you and would keep the secret in the long run. 
4-   Discuss the matter with your manager and document it, if possible. Make records for what you do, there is surely someone to ask later.  
5-   Define your principles to others quite often and show it time to time so that people know what type of person you are and what your ethical boundaries are.  This is required to portray the traits of your personality so that others can develop a mental picture of you in their heads.  This will prevent them approaching you for the wrong deeds.
6-   Not every ethical issue is to be taken too much seriously, consequently, allowing it to steal your peace of mind. Every problem has several solutions. Keep it cool, stay mentally healthy, analyze the situation based on 8 points mentioned earlier in the post and then do the right act. 
7-   Sometimes a simple “No” helps. Just say so and put a full stop to the matter. Sometimes this is the most effective tool to use.
Muslim’s approach to handle:
On top of the already explained aspects, a Muslim needs to understand the following as well:
1-    Have faith in Allah SWT and do what He expects from you. Once done, leave it to Him and He will turn the table for you. He is suffice for all your problems provided you have done the ‘right’
2-    Seek wisdom from Allah. Pray for the right path and He will guide you.
3-   Whatever single deed you are doing is being recorded. You are answerable for what you have been doing during your life cycle. Good deeds result in good outcome not only in this world but also on the Day of Judgment; bad deeds bad results, here and hereafter! Be Honest and be fair. Do your self-audit quite often, in line with Islamic Principles. Insha’Allah you won’t regret for any of your deeds if done within Islamic boundaries
4-   Don’t analyze the situation on political grounds which might divert your attention from the right path. Remember, Islam comes first. You should consider this filter for All of your problems. Anything which passes from this filter is the right thing to do.
Conclusion: Ethical Values (such as Truth, Honesty, Fairness, Transparency and self discipline) are unique treasure which you possess. Don’t lose it at any cost. Your values are defining your character which is leading you towards your destiny. Sine you don’t want to be a failure at the end of the day, so you need to stick to the humanitarian principles because the ultimate fact remains the same; ‘As you sow, so shall you reap’. A Study confirms that the people who possess high ethical values are more happy than those who are engaged in fraudulent acts even if former earn less than the deceitful people.

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Ranjani Geethalaya(Regd.) (Registered under Societies Registration Act XXI of 1860. Regn No S/28043 of 1995) A society for promotion of traditional values through,  Music, Dance, Art , Culture, Education and Social service. REGD OFFICE A-73 Inderpuri, New Delhi-110012, INDIA Email: ranjanigeethalaya@gmail.com  web: http://ranjanigeethalaya.webs.com (M)9868369793 all donations/contributions may be sent to Ranjani Geethalaya ( Regd) A/c no 3063000100374737, Punjab National Bank, ER 14, Inder Puri, New Delhi-110012, MICR CODE 110024135  IFSC CODE PUNB00306300

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How to catch a Fraud ?


” } Google+

Ethical values are the treasure of each individual regardless of the financial status. However these values are put on stake when you are pushed by someone for specific immoral goals achievements. In this article, I shall cover the aspects which are to be considered when trapped in such circumstances. The article covers both professional and personal aspects.

First of all you need to ask yourself following questions in order to have thorough analysis of the situation:
1-    Who is getting benefit out of it? Consider direct and indirect people involved.
2-   Why you (and only you) are being asked/pushed to compromise?
3-   What are the short term and long term personal consequences if you compromise?
4-   What are the risks/impacts on the project/task if you compromise?
5-   What will happen if you don’t compromise?  
6-   Can you consult some other person for advice?
7-   Can you share the risks with other by involving other personnel/department on this task?
8-   What does the company policy say? Are your actions in-line with your Job Descriptions?
Now that you have analyzed the situation, here are the guidelines which you need to consider for corrective and preventive actions:
1-    1-    Sometimes the matter is not really an ethical issue, it’s just a difference of opinion so carefully understand on what you are being asked for. Sometimes you are doing a healthy compromise in the best interest of all stake holders (off course within your ethical values and in line with company policies)
2-   If the matter is really critical, consider approaching the Fraud Management Team of your company. In some of the mature companies ‘whistle blowing’ or ‘anonymous reporting’ systems are set in place.
3-   Seeking advice from your colleagues/close friends broadens your horizon and expose you to more options for consideration. Be careful whom you consider to seek advice. Ask the one who is honest and fair with you and would keep the secret in the long run. 
4-   Discuss the matter with your manager and document it, if possible. Make records for what you do, there is surely someone to ask later.  
5-   Define your principles to others quite often and show it time to time so that people know what type of person you are and what your ethical boundaries are.  This is required to portray the traits of your personality so that others can develop a mental picture of you in their heads.  This will prevent them approaching you for the wrong deeds.
6-   Not every ethical issue is to be taken too much seriously, consequently, allowing it to steal your peace of mind. Every problem has several solutions. Keep it cool, stay mentally healthy, analyze the situation based on 8 points mentioned earlier in the post and then do the right act. 
7-   Sometimes a simple “No” helps. Just say so and put a full stop to the matter. Sometimes this is the most effective tool to use.
Muslim’s approach to handle:
On top of the already explained aspects, a Muslim needs to understand the following as well:
1-    Have faith in Allah SWT and do what He expects from you. Once done, leave it to Him and He will turn the table for you. He is suffice for all your problems provided you have done the ‘right’
2-    Seek wisdom from Allah. Pray for the right path and He will guide you.
3-   Whatever single deed you are doing is being recorded. You are answerable for what you have been doing during your life cycle. Good deeds result in good outcome not only in this world but also on the Day of Judgment; bad deeds bad results, here and hereafter! Be Honest and be fair. Do your self-audit quite often, in line with Islamic Principles. Insha’Allah you won’t regret for any of your deeds if done within Islamic boundaries
4-   Don’t analyze the situation on political grounds which might divert your attention from the right path. Remember, Islam comes first. You should consider this filter for All of your problems. Anything which passes from this filter is the right thing to do.
Conclusion: Ethical Values (such as Truth, Honesty, Fairness, Transparency and self discipline) are unique treasure which you possess. Don’t lose it at any cost. Your values are defining your character which is leading you towards your destiny. Sine you don’t want to be a failure at the end of the day, so you need to stick to the humanitarian principles because the ultimate fact remains the same; ‘As you sow, so shall you reap’. A Study confirms that the people who possess high ethical values are more happy than those who are engaged in fraudulent acts even if former earn less than the deceitful people.

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Ranjani Geethalaya(Regd.) (Registered under Societies Registration Act XXI of 1860. Regn No S/28043 of 1995) A society for promotion of traditional values through,  Music, Dance, Art , Culture, Education and Social service. REGD OFFICE A-73 Inderpuri, New Delhi-110012, INDIA Email: ranjanigeethalaya@gmail.com  web: http://ranjanigeethalaya.webs.com (M)9868369793 all donations/contributions may be sent to Ranjani Geethalaya ( Regd) A/c no 3063000100374737, Punjab National Bank, ER 14, Inder Puri, New Delhi-110012, MICR CODE 110024135  IFSC CODE PUNB00306300

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How to catch a Fraud ?


” } Google+

Ethical values are the treasure of each individual regardless of the financial status. However these values are put on stake when you are pushed by someone for specific immoral goals achievements. In this article, I shall cover the aspects which are to be considered when trapped in such circumstances. The article covers both professional and personal aspects.

First of all you need to ask yourself following questions in order to have thorough analysis of the situation:
1-    Who is getting benefit out of it? Consider direct and indirect people involved.
2-   Why you (and only you) are being asked/pushed to compromise?
3-   What are the short term and long term personal consequences if you compromise?
4-   What are the risks/impacts on the project/task if you compromise?
5-   What will happen if you don’t compromise?  
6-   Can you consult some other person for advice?
7-   Can you share the risks with other by involving other personnel/department on this task?
8-   What does the company policy say? Are your actions in-line with your Job Descriptions?
Now that you have analyzed the situation, here are the guidelines which you need to consider for corrective and preventive actions:
1-    1-    Sometimes the matter is not really an ethical issue, it’s just a difference of opinion so carefully understand on what you are being asked for. Sometimes you are doing a healthy compromise in the best interest of all stake holders (off course within your ethical values and in line with company policies)
2-   If the matter is really critical, consider approaching the Fraud Management Team of your company. In some of the mature companies ‘whistle blowing’ or ‘anonymous reporting’ systems are set in place.
3-   Seeking advice from your colleagues/close friends broadens your horizon and expose you to more options for consideration. Be careful whom you consider to seek advice. Ask the one who is honest and fair with you and would keep the secret in the long run. 
4-   Discuss the matter with your manager and document it, if possible. Make records for what you do, there is surely someone to ask later.  
5-   Define your principles to others quite often and show it time to time so that people know what type of person you are and what your ethical boundaries are.  This is required to portray the traits of your personality so that others can develop a mental picture of you in their heads.  This will prevent them approaching you for the wrong deeds.
6-   Not every ethical issue is to be taken too much seriously, consequently, allowing it to steal your peace of mind. Every problem has several solutions. Keep it cool, stay mentally healthy, analyze the situation based on 8 points mentioned earlier in the post and then do the right act. 
7-   Sometimes a simple “No” helps. Just say so and put a full stop to the matter. Sometimes this is the most effective tool to use.
Muslim’s approach to handle:
On top of the already explained aspects, a Muslim needs to understand the following as well:
1-    Have faith in Allah SWT and do what He expects from you. Once done, leave it to Him and He will turn the table for you. He is suffice for all your problems provided you have done the ‘right’
2-    Seek wisdom from Allah. Pray for the right path and He will guide you.
3-   Whatever single deed you are doing is being recorded. You are answerable for what you have been doing during your life cycle. Good deeds result in good outcome not only in this world but also on the Day of Judgment; bad deeds bad results, here and hereafter! Be Honest and be fair. Do your self-audit quite often, in line with Islamic Principles. Insha’Allah you won’t regret for any of your deeds if done within Islamic boundaries
4-   Don’t analyze the situation on political grounds which might divert your attention from the right path. Remember, Islam comes first. You should consider this filter for All of your problems. Anything which passes from this filter is the right thing to do.
Conclusion: Ethical Values (such as Truth, Honesty, Fairness, Transparency and self discipline) are unique treasure which you possess. Don’t lose it at any cost. Your values are defining your character which is leading you towards your destiny. Sine you don’t want to be a failure at the end of the day, so you need to stick to the humanitarian principles because the ultimate fact remains the same; ‘As you sow, so shall you reap’. A Study confirms that the people who possess high ethical values are more happy than those who are engaged in fraudulent acts even if former earn less than the deceitful people.

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Ranjani Geethalaya(Regd.) (Registered under Societies Registration Act XXI of 1860. Regn No S/28043 of 1995) A society for promotion of traditional values through,  Music, Dance, Art , Culture, Education and Social service. REGD OFFICE A-73 Inderpuri, New Delhi-110012, INDIA Email: ranjanigeethalaya@gmail.com  web: http://ranjanigeethalaya.webs.com (M)9868369793 all donations/contributions may be sent to Ranjani Geethalaya ( Regd) A/c no 3063000100374737, Punjab National Bank, ER 14, Inder Puri, New Delhi-110012, MICR CODE 110024135  IFSC CODE PUNB00306300

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How to catch a Fraud


” } Google+

Ethical values are the treasure of each individual regardless of the financial status. However these values are put on stake when you are pushed by someone for specific immoral goals achievements. In this article, I shall cover the aspects which are to be considered when trapped in such circumstances. The article covers both professional and personal aspects.

First of all you need to ask yourself following questions in order to have thorough analysis of the situation:
1-    Who is getting benefit out of it? Consider direct and indirect people involved.
2-   Why you (and only you) are being asked/pushed to compromise?
3-   What are the short term and long term personal consequences if you compromise?
4-   What are the risks/impacts on the project/task if you compromise?
5-   What will happen if you don’t compromise?  
6-   Can you consult some other person for advice?
7-   Can you share the risks with other by involving other personnel/department on this task?
8-   What does the company policy say? Are your actions in-line with your Job Descriptions?
Now that you have analyzed the situation, here are the guidelines which you need to consider for corrective and preventive actions:
1-    1-    Sometimes the matter is not really an ethical issue, it’s just a difference of opinion so carefully understand on what you are being asked for. Sometimes you are doing a healthy compromise in the best interest of all stake holders (off course within your ethical values and in line with company policies)
2-   If the matter is really critical, consider approaching the Fraud Management Team of your company. In some of the mature companies ‘whistle blowing’ or ‘anonymous reporting’ systems are set in place.
3-   Seeking advice from your colleagues/close friends broadens your horizon and expose you to more options for consideration. Be careful whom you consider to seek advice. Ask the one who is honest and fair with you and would keep the secret in the long run. 
4-   Discuss the matter with your manager and document it, if possible. Make records for what you do, there is surely someone to ask later.  
5-   Define your principles to others quite often and show it time to time so that people know what type of person you are and what your ethical boundaries are.  This is required to portray the traits of your personality so that others can develop a mental picture of you in their heads.  This will prevent them approaching you for the wrong deeds.
6-   Not every ethical issue is to be taken too much seriously, consequently, allowing it to steal your peace of mind. Every problem has several solutions. Keep it cool, stay mentally healthy, analyze the situation based on 8 points mentioned earlier in the post and then do the right act. 
7-   Sometimes a simple “No” helps. Just say so and put a full stop to the matter. Sometimes this is the most effective tool to use.
Muslim’s approach to handle:
On top of the already explained aspects, a Muslim needs to understand the following as well:
1-    Have faith in Allah SWT and do what He expects from you. Once done, leave it to Him and He will turn the table for you. He is suffice for all your problems provided you have done the ‘right’
2-    Seek wisdom from Allah. Pray for the right path and He will guide you.
3-   Whatever single deed you are doing is being recorded. You are answerable for what you have been doing during your life cycle. Good deeds result in good outcome not only in this world but also on the Day of Judgment; bad deeds bad results, here and hereafter! Be Honest and be fair. Do your self-audit quite often, in line with Islamic Principles. Insha’Allah you won’t regret for any of your deeds if done within Islamic boundaries
4-   Don’t analyze the situation on political grounds which might divert your attention from the right path. Remember, Islam comes first. You should consider this filter for All of your problems. Anything which passes from this filter is the right thing to do.
Conclusion: Ethical Values (such as Truth, Honesty, Fairness, Transparency and self discipline) are unique treasure which you possess. Don’t lose it at any cost. Your values are defining your character which is leading you towards your destiny. Sine you don’t want to be a failure at the end of the day, so you need to stick to the humanitarian principles because the ultimate fact remains the same; ‘As you sow, so shall you reap’. A Study confirms that the people who possess high ethical values are more happy than those who are engaged in fraudulent acts even if former earn less than the deceitful people.

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Ranjani Geethalaya(Regd.) (Registered under Societies Registration Act XXI of 1860. Regn No S/28043 of 1995) A society for promotion of traditional values through,  Music, Dance, Art , Culture, Education and Social service. REGD OFFICE A-73 Inderpuri, New Delhi-110012, INDIA Email: ranjanigeethalaya@gmail.com  web: http://ranjanigeethalaya.webs.com (M)9868369793 all donations/contributions may be sent to Ranjani Geethalaya ( Regd) A/c no 3063000100374737, Punjab National Bank, ER 14, Inder Puri, New Delhi-110012, MICR CODE 110024135  IFSC CODE PUNB00306300

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15 Tips to avoid investment fraud


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15 TIPS TO AVOID INVESTMENT FRAUD

1) Always ensure to use your own pen while filling application form and/or cheques. The era of frauds using invisible ink of agents has just begun and ensures to put lines in the blank areas both in the cheques and application, not leaving space for anyone to fill the blank columns. In case the application is filled by the agent, read all the writings carefully and ensure that, the data filled is correct and matches with your records.

2) Always ensure to write application number, your name, mobile phone no., fund/scheme name on the back of the cheque. If you’re giving renewal premium cheque, write your policy/folio number also

 3) Check for renewal date and payment frequency carefully in your policy document. It has come to notice that many agents had taken the cheque from customers for yearly mode or half-yearly mode & has submitted the documents on monthly mode. If possible use online premium payment.

4) Deal with only certified financial planner, AMFI certified distributor or IRDA certified insurance agent. Do not deal with sub-brokers as they are not fully trained and do not have complete knowledge about the products they are selling on behalf of the main agent.

5) Always check the identity card of the person to whom you are dealing with. Check the company name and date of validity of the card. Generally, IRDA license is valid for 3 years and AMFI license is valid for 5 years from the date of issuance / renewal.

6) Do not blindly trust anyone even if you know him / her from several years. Always ask for official brochure of the product you are dealing with and see everything written there. Read all fine prints carefully and ensure that, whatever your agent explained to you related to the products are correctly matching with official offer documents or the policy proposal form.

7) Ask for official illustration of the insurance product or fact sheet of mutual fund before investing. In most of the cases the investment returns and other benefits explained in the illustration is based on some assumptions.  In 90% cases the agent will try to convince you that, the return worked out in the illustration should be guaranteed and you are going to receive all the benefits at the maturity of the investment. This investment mistakes had happed to so many investors those who have invested in ULIP policies issued by insurance companies and badly burned their fingers. Lakhs of people are victims of this scam ( I can confidently use the word scam here, because the poor investors are cheated by the agents and insurance companies showing unimaginable returns and other benefits … otherwise we can call this as day light robbery). Mostly all insurance products are long term in nature. After 10-20 years, if happened something wrong also, who is going to complain and you will not be able to trace your agent also.

8) Understand the product fully before investing to ensure that the investment you are making is match with your risk appetite and return expectations

9) Insist your adviser to show the comparison with other competitive products. You may like some feature of other product which your advisor does not like.

10) Note down the  agent / distributor full contact details before submitting application forms like full name, ARN No. or IRDA license no., branch address & phone no., residential address & phone no. – mobile phone & landline, email address etc.

11) Always put the date whenever you sign on important documents.

12) When you get your policy bond / statement of account/ investment certificate, check all the details like your name, contact details, nominee name and other relevant details. Go through all the documents. Pay attention to the charges portion carefully. Insurance companies normally give photocopy of your filled application form along with your signed official illustration with policy bond. If you are not satisfying with the terms and conditions, you can return the original policy bond with 15-days free look-up period and get your money back.

13) Whenever you sign on a document having multiple pages, ensure to sign on all pages
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14) Do not reply to any  mails received from unknown persons offering gifts and huge amount of prize money.  Never provide your bank account and other personal details to this fraud people.

15) Do not share your ATM PIN and and password details with any one
  

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