Personal loan hdfc bank

Querist : Anonymous (Querist) 08 September 2022 This query is : Resolved
Sir
In the year 2016 september my father took 7lakhs personal loan from hdfc bank.after four months that is february 2017 my father died because of heart attack.my father taken insurance policy for this loan,but the bank is saying the policy is only for accidental policy.my mother also died recently in july 2020.now the bank advocates are sending notices to me to repay the loan.
Please suggest me what i have to do

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kavksatyanarayana (Expert) 10 September 2022
It is not mandatory to take an insurance policy for a personal loan. And I opine that the HDFC bank does not allow the insurance policy and the legal heirs shall repay the loan.

Dr J C Vashista (Expert) 11 September 2022
Personal loan and insurance policy are not related to each other, they are separate and independent.
HDFC Bank has no right, claim or interest in insurance policy.