If both the bank and Pramerica confirm no policy exists under your name, file a formal with your bank. Under RBI (or regional banking) guidelines, an unauthorized electronic debit must be reversed within a specific timeframe (often 3-7 days).
: You have received a reimbursement for an insurance claim (e.g., an accidental injury or business liability payout). plic-sbd insurance claim on bank statement
If you recently decided to terminate (surrender) your insurance policy before its maturity date, the "surrender value" returned to you would be processed through this channel. If both the bank and Pramerica confirm no
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