HDFC Limit Enhancement - Nov 23

[Tr7]

Just Received an email for Limit Enhancement for my HDFC Millennia.From 3.4 L to 4.4L
Check yours too.

 

[dealminer]

Same like leap year.

You seem experienced 😆
Pls tell me all your past LE with gaps in months.

 

[Deleted member 21942]

You seem experienced 😆
Pls tell me all your past LE with gaps in months.

My HDFC's LE is nothing in front of ULIP's power 💪

 

[dealminer]

My HDFC's LE is nothing in front of ULIP's power 💪

Ulip is not of my taste
Share some insight of your past LE

 

[Bugs Bunny]

Mangla ji….kavi hame v apne Bangla p bulaiye laddo khilaane 😂

Aao kabhi b! Most welcome.

 

[Deleted member 21942]

Ulip is not of my taste
Share some insight of your past LE

Chalo koi toh samajhdaar nikla.... I directly got pre-approved HDFC Regalia Gold as LTF with 3 lacs limit.

 

[dealminer]

Aao kabhi b! Most welcome.

Laddo bhi infinia se swipe kia hona chahie but 😆

 

[dealminer]

Chalo koi toh samajhdaar nikla.... I directly got pre-approved HDFC Regalia Gold as LTF with 3 lacs limit.

When was this? MM/YY 😂

 

[Deleted member 21942]

When was this? MM/YY 😂

MM/YY = 11/23

 

[Lobogris]

Have to purchase their most useless form of investment i.e. ULIP. If you've spare amount of money, then only its recommended to go this way. Otherwise Infinia isn't worth this much hassle.

A loss of 5 to 10 lakhs is nothing for those wanting Infinia!

 

[Rahul Gupta]

A loss of 5 to 10 lakhs is nothing for those wanting Infinia!

You do realise that we have spend above 1 crore just to recover that amount.

 

[Rahul Gupta]

Yes. I already said the amount was immaterial. I don’t expect or need for it to be a profitable venture.

But the whole purpose of using a credit card is rewards, right? I know infinia is a dream cc for alot of people but still.

 

[Viper1057]

A loss of 5 to 10 lakhs is nothing for those wanting Infinia!

Not actually, you are in profit by 6th year so even if you exit on 6th year, you will be having all your money + some additional gains but I won't suggest that, I would rather stay for 25years because I have accidental death etc insurance as well.

I chose my MF distributions myself and took 100% in discovery fund: https://www.moneycontrol.com/insura...ealth-discovery-fund-IHD504.html?classic=true

They have 6 equity based MFs to choose from but only this seems logical, rest all can even give you negative gains(most probably the fund which people take since they never choose themselves and the sales agent assign them randomly and doesn't any have any gains so they blame ULIP for performance). You can check here: https://www.hdfclife.com/fund-performance

It was 28 NAV when I took the ULIP in November, and its already 31+ NAV. Ofcourse there are many other charges in a ULIP but if you see that as opportunity cost for now, you can easily nullify that within few years and exit in 6th yr or more with gains already.

 

[Lobogris]

Not actually, you are in profit by 6th year so even if you exit on 6th year, you will be having all your money + some additional gains but I won't suggest that, I would rather stay for 25years because I have accidental death etc insurance as well.

I chose my MF distributions myself and took 100% in discovery fund: https://www.moneycontrol.com/insura...ealth-discovery-fund-IHD504.html?classic=true

They have 6 equity based MFs to choose from but only this seems logical, rest all can even give you negative gains(most probably the fund which people take since they never choose themselves and the sales agent assign them randomly and doesn't any have any gains so they blame ULIP for performance). You can check here: https://www.hdfclife.com/fund-performance

It was 28 NAV when I took the ULIP in November, and its already 31+ NAV. Ofcourse there are many other charges in a ULIP but if you see that as opportunity cost for now, you can easily nullify that within few years and exit in 6th yr or more with gains already.

Everything went up in the last month!

 

[Viper1057]

Everything went up in the last month!

Yes haha even my other MFs are already in so much profits but I compared this for last 4years statistics

 

[Bugs Bunny]

Bhai log koi gaon ki branch me jao 2.5L ki UlIP pr infinia mil rhe like hot cakes lmao

 

[SpiesCan'tCatchMe]

Bhai log koi gaon ki branch me jao 2.5L ki UlIP pr infinia mil rhe like hot cakes lmao

Gaon ki branch walo ko infinia kya hai wahi pata nahi hoga

 

[Viper1057]

Bhai log koi gaon ki branch me jao 2.5L ki UlIP pr infinia mil rhe like hot cakes lmao

Bohat zyada h bhai, 1.5L per yr for 5years is much better for me + jitna amount 5 yrs ka premium h usse zyada toh limit milgyi h. Yaha 50L ITR waalon ko LE ni milpati 10yrs me bhi

Gaon ki branch walo ko infinia kya hai wahi pata nahi hoga

Exactly

 

[Viper1057]

It’s not 5 years. It’s a 10 year payment period. You can surrender after 5 years but you would lose a lot if you don’t continue till the full 25 years.

You have a different ULIP. Mine is different

 

[vijay.vj]

I received Regalia Gold with 3L Limit... is this limit good to start with or its gonna take me ages to reach what is needed for DCB/Infinia

 

[Bugs Bunny]

Bohat zyada h bhai, 1.5L per yr for 5years is much better for me + jitna amount 5 yrs ka premium h usse zyada toh limit milgyi h. Yaha 50L ITR waalon ko LE ni milpati 10yrs me bhi


Exactly

Bhaii 50k per year kaha 5 saal ka 2.5L total lmao