Bhai mera RM Chu hai. I transferred my account to rural branch. Kaam krne k bajaye khraab aur kr dega.
2-3 branch visit krke dekh lo. Even I'm searching for a good RM to apply for Ltf eterna as i am radiance customer now.
It means he his total credit limit from other financial institutions is too high compared to his income.
There are RBI guidelines which every financial institutions has to follow.
Due to this even if you have great cibil score and income proof. banks can deny to give you credit card, limit...
Can't guarantee but 99% chance Having radiance relationship will bypass this issue. It depends on your RM knowledge. There is solution of every problem. If same issues arises again radiance team can take approval for exception.
It's quick for radiance customer. You have to apply offline with radiance RM. If RM has good experience he'll get you eterna Ltf without any documents.
Just basic aadhar pan . Income details but no documents. You can apply eterna immediately after getting confirmation via email or message that...
Nothing special in radiance. RM is useless as always. I opened it just to try it. Already had customer id so it took month for approval. Now transferred account to far away rural branch. Maintaining only 1k. Closed Bob easy credit card . Will apply for eterna Ltf next month.
On paper it says 10 lakhs IP for radiance.( Customer should not have customer ID in Bob bank)
But even older account can be upgraded with 10 lakhs funding.
It will totally depend on your radiance relationship manager to get approval.
It's been a year and half since they started issuing rupay select for SBI wealth but it is only issued if asked specifically. By default they issue visa.
They retained me with upgrade but I won't be maintaining more than 2-3 lakhs. They also didn't tell me when and how downgrade occurs.
Rm...
How do you maintain relationships with them 30 lakhs balance or in mutual fund etc??
I had 2 years old general savings account. I wasn't using it since i opened. I went to close it. There i saw wealth management team. I inquired about wealth account and they upgraded my account immediately to...
@DocFixIt bhai maine toh wese hi khulwa liya time paas k liye.
As important feature if of wealth management.
Mujhe toh debt management services ki jarurt hai.
Baaki mera dusra motive tha Ltf eterna aur limit enhancement. Wo bhi next month try krunga