Wow, 75L for the investment manager that's rich, and a lot of fodder for bank executives to meet their monthly/yearly/5 yearly targets even 🙂 .
"Since the banks are not too busy, all the work is done thru calls or when I send my representative to the branch." - For 3 Cr worth of investment, IDFC RM/BM should even get you a birthday cake at your home 😎. Maybe ask him to dance and he may oblige. Money makes the world go round, more so with banks and RM's.
Jokes apart, on a serious note, would you mind me asking how's the investment manager performing with your portfolio nowadays with a falling/bearish market, is your current investment portfolio right now in green or red ? I do not have much faith in bank RM/BM's investment abilities, hence the ask.