u/Glum_Parsley9360

Recently I observed some extremely disturbing incidents in my circle involving HDFC, Razorpay.

Some of my friends incorporated their Startups through Razorpay and they have several evidences which indicates a clear fraud and mal-intention at substantial level.

Below is the Modus of operandi to execute a systematic fraud;

1. You take Razorpay Company Incorporation Services. They Quote "X" on their web site and in reality charge much much higher. This is not the Mal intent BTW Bro.
2. Now Razorpay will open a Ghost account in HDFC Bank. They will use all documents provided by you and some of them will be forged by Razorpay or HDFC. You will not be involved in process of opening Bank Account.
3. HDFC will use this Ghost account to do their money laundering and probably terror funding.
4. You might receive some SMS and emails from HDFC and if you approach HDFC they will deny existence of any such bank account.
5. Cyber Police or Local Police or even RBI will not take any action in this matter. They will favor HDFC only and give them all the liberty.
6. If you go for a formal FIR against HDFC or Razorpay then you will be threatened by HDFC and Police. They will do everything to shut down your business.
7. At the end there will no solution and you will be forced to surrender to HDFC, pay money to Police or close your business.

Surprisingly the Authorities like Police, Cyber Department, RBI stay dead and do nothing at all.

Several Reddit Subs deleted such earlier posts and some of the MODS openly supported HDFC for doing pious job.

Not sure what is way to stop this HDFC non-sense and their ill-intentions?

Let me know whom we raise and get such issues solved once for all. Already tried Police, RBI and they are completely sold or bribed by HDFC.

Came across two brands recently. Both selling same kind Tech product.

Take a look:

-> Brand A — Listed: ₹1999 | Selling: ₹400 (Whooping discount)

I got this a few months back and going well. Bought this one as I thought I am saving big.

This one popular among few Redditers and they bash loudly for it.

Brand-A

-> Brand B — Listed: ₹499 | Selling: ₹475 (Modest discount)

I got this 10 days back and this too working well. Better or same quality as Brand-A.

Brand-B

Brand A never intended to sell at ₹1999. That MRP is a fiction. It exists purely to make ₹400 feel like a steal.

Brand B is just being honest — here's the price, here's a small discount, take it or leave it.

The ₹1,900 is not a price. It's a psychological weapon. It anchors your brain to a fake number so the real price feels like a jackpot. You're not saving ₹1500 — you're buying something worth ₹400 for ₹400.

Seevral Redditers here bash for Brand-A and because our brains are wired to chase discounts, not value.

Just thinking how come Indian Tech consumer can be taken for ride this easily?

Have you caught yourself doing this? (I did this earlier).

Note - I am not endorsing anyone. A curious question as an everyday consumer.