VGN is simply going down in terms of financial status. They hv taken money from common people under chit fund scheme, used n invested it n now upon maturity they are simply denying to pay the money back to customers saying they have funding issues. Such a unprofessional n untrustworthy service. They are simply cheating people by using their money for extra period and should be sealed. I am going to highlight this issue to RBI and consumer forum of India. Anyone interested in joining me can reply with comments.