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Always has been. For instance, to prepay, the user(who took the loan) needs to write a cheque and submit to the branch with an application, or mail the official email Id that s/he needs to prepay, Post that the official will generate a one-time link via which can be used for the pre-payment...

Interest rates change when RBI changes the repo rate. If the repo rates increase, all banks increase the interest rate. But if it decreases, private banks like HDFC won't decrease the interest rates automatically. You have to pay a small fee to decrease the interest rate. The latter is not true...

I have used the Infinia PP within India and it works just fine. Same should be the case with the Add-on. The label might be wrongly placed... maybe applicable for Regalia credit card. There's only one way to find out.

Thanks. Any idea of the perks it commands at such a hefty price?

@TechnoFino What was the fee? And what was the yearly fee? Since it's the rarest of the rare, dying to know the details.😄

No they didn't[This is for HDFC of course].

Not sure of the conversion rate. I see two debit entries after the transaction. One is CSGT and other is SGST, each around 0.5% of the amount credited.

Yeah .. I selected USD and made the transfer. Received a call from HDFC branch where my account is, asking to login to netbanking and select the transfer category, to which I had to select P-21 or something(received against stocks sold in overseas), and received the funds the next day.

Hi everyone, I have recently sold a few shares from one of my previous companies. Merchant: E* trade from Morgan Stanley Amount: about $12k Receiving bank: HDFC Wire transfer charges: $25 While doing wire transfer, if I select the option to transfer in INR, I see a prompt stating that...

The reverse for me. Amazon pay voucher went through. Swiggy Money voucher failing

Thik hai malik.

I have been looking for a coupon in gyftr(smartbuy HDFC) for the past week, but the coupon is exhausted. Is there a fixed time when coupons are available again in gyftr? I need the coupon urgently, but not sure if it'll be replenished in 1-2 days. If not, I have to make the purchase without the...

Thanks. That makes sense. By "classic customers", do you mean the customers with savings max account? If so, I did an IMPS transaction on 1st Feb to other bank's account, and there were no charges. I have savings max account That's why I declined the RM to open a FD. Question is, can we opt...

Apologies to bump the thread. Two questions [1] Why would you/anyone want to disable auto sweep-in facility? I have heard that when enabled, you'd earn FD rates which are 6-7% on savings account, instead of the usual 2-3% savings rate. [2] How do you enable it? I called by RM to ask the same...

That's news to me. Thanks. Please post the link if you have where people have claimed to have Infinia LTF(Metal)

If you had no CCs with HDFC thus far, Infinia is guaranteed at a salaried income of ₹2.75L+ per month(source: I am an Infinia holder and got my card that way only). Since you already hold a Millenia, your existing relationship with HDFC bank comes into play as well. If I were you, I'd reach out...

Thanks for all the suggestions. Really appreciate it. For TV unit and cupboards, I'm looking at engineered wood only. You mentioned about the disadvantages of engineered wood. Can you please elaborate? The grills and mosquito nets won't cost much and I think we can add them incrementally later...

I don't want to take loan for interior design since my home loan is already pretty hefty. I don't want extravagant or grand interiors, but they should be good enough for sustenance. Often cheap products lead to degradation over time and extra maintenance costs. Definitely don't want that. For...

Thanks. I would like to avoid loan at all costs since already the house is on loan. I'm looking for the monthly savings way. But I'm not sure how to go about it, or even how much to save

Hi everyone, I am in the process of buying an under construction 3BHK flat on loan. The total size of the flat is 1800 sq ft. and the possession date is Dec 2025. Need your help in coming out with a plan to manage finances such that I can save enough for interior decoration on possessing the...