I have got the call from 011 409804357 saying " I am Abhisek calling for HDFC bank" and we are offering loan up to 20 lakhs at 0% interest for you. when i asked them how you can offer me loan without profit, than his manager explained that they will do some kind of insurance for 10 years and they will get returns up to 3 lakhs from there once insurance get mature. Than i did re-search on internet and found many people got trapped in this 0% interest loan scam. They never got loan money transferred to their account. These insurance people will ask you to pay for one year insurance installment in advance after that they will stop picking up your call. You will have no choice rather than continue the insurance as you have already paid amount. Be careful of these kind of 0% interest loan scams.