BM and RM Suggesting INDUSIND PIONEER ACCOUNT in Place of EXCLUSIVE ACCOUNT FOR NMC WAVIER

[vaibhav111vaibhav111 is verified member.]

I am new to this TF
its understood now , in the name of moderation you are supporting your friends every statement. nobody is ready to accept here.

kindly understand or answer me, I got a doubt and posted the thread after all using the search option and after finding there is no available answer even it took me 1 day.
All are asked on different dates and different months, Regarding pioneer there are alomost 20-25 threads I have been never found an answer or there are improper answers or the answers are out of date due to change in Banking charges.
In those 20 when I intially seen the same feeling I also got why these many threads, but after reading all the threads which eaten me 1 day time, I realized not all are same, each person has each different thing to get clarified from this community.

My trouble is Perspective dont worry , The Interest Rates Very much okay for me which may not be good for you but for me DOUBLE Ok, regarding CC yes they are waste but they can be used for surrogate of account, I haven't asked you regarding Pioneer pvt but thanks sharing Info , for me PIONEER is okay but have some related doubts. I searched not answers at one place and The answers are from persons who dont use the product bcz some persons want to be every thread even they dont know anything (you know very well Who are those bcz you moderate them ),
And I haven't Understood why the title of thread shouldn't be in CAPITAL, if you tell me the problem , I will Rectify bro , without Reason dont Rub the rules on me as you having moderator allowance.
you only saying the answers in other threads are not precise then how can I take the product, thats why using opportunity to clarify my doubts and same time clarifying other people doubts only If I know, since I dont have intention to be in every thread like some persons.
anindya efforts are appreciable for his time and service .

Ah yes, “things happen” the universal excuse for dodging accountability since forever. Let’s not just vibe through life and call it growth.
Yeah, things happen, and it's great to want to grow. But real growth means digging into the “why” of it, not just moving on like nothing mattered

SPAM means same message in every place
this is not spamming bro , just asking the Things at right place, please be accountable for your TITLE

Read my comment again I didn’t took anyone side

 

[sun156]

Friend of mine have pioneer private

tq bro that is very high initial funding like 1CR , and keeping such huge amount in one bank is RISK in my view , I only keep such large amounts in D-SIBs
and Recently indusind also facing so many troubles ,

my doubt is only regarding pioneer account , who is using from quite like 1-2 years can tell me exactly because
the RM and BM said for their Targets to take PIONEER account since already funds are there in my other account which recently matured.

he is saying it wont be downgraded even balance not maintained , we are giving this from 2 years , he shown some accounts also ac open date and CASA balance
but what i will know regarding which he shown properly, so I asked him to mail the same, he said he will do, but havent done

In between I trying to figure out my problem that who already having the same account, and not maintained any such balance still continuing the benefit then I also can utilize so kept the thread

 

[dvader]

tq bro that is very high initial funding like 1CR , and keeping such huge amount in one bank is RISK in my view , I only keep such large amounts in D-SIBs
and Recently indusind also facing so many troubles ,

my doubt is only regarding pioneer account , who is using from quite like 1-2 years can tell me exactly because
the RM and BM said for their Targets to take PIONEER account since already funds are there in my other account which recently matured.

he is saying it wont be downgraded even balance not maintained , we are giving this from 2 years , he shown some accounts also ac open date and CASA balance
but what i will know regarding which he shown properly, so I asked him to mail the same, he said he will do, but havent done

In between I trying to figure out my problem that who already having the same account, and not maintained any such balance still continuing the benefit then I also can utilize so kept the thread

@sun156 , to your query,

Go ahead and open a Pioneer account. You will still need the IP cheque of 10L. Keep it for a month and you can take it out. They don't downgrade, atleast they haven't downgraded any pioneer account yet. Just keep some healthy balance or FDs with that account (2-3L) to avoid getting flagged in future.

 

[sun156]

@sun156 , to your query,

Go ahead and open a Pioneer account. You will still need the IP cheque of 10L. Keep it for a month and you can take it out. They don't downgrade, atleast they haven't downgraded any pioneer account yet. Just keep some healthy balance or FDs with that account (2-3L) to avoid getting flagged in future.

bro tq bro for reply

I already have the sufficient amount in indusind bank bcz of recently matured FDs , thats why they are planning to throw this even product, even I asked exclusive.
But after seeing no NMC charges I also tempted, I dont have any cc and dont maintain balance except some FD ,
So I was thinking what would happen later and asked here

Bro R u using the pioneer account ?? and from how many years ?? how much casa you maintain

 

[dvader]

bro tq bro for reply

I already have the sufficient amount in indusind bank bcz of recently matured FDs , thats why they are planning to throw this even product, even I asked exclusive.
But after seeing no NMC charges I also tempted, I dont have any cc and dont maintain balance except some FD ,
So I was thinking what would happen later and asked here

Bro R u using the pioneer account ?? and from how many years ?? how much casa you maintain

I have had pioneer for around 2 years now. I have around 3-5L in the account. Go for pioneer account

 

[sun156]

@EnthuCC @imdjay @TechnoFi @viru5678 @_vptr @Pissant @Rishab @Ram1 @Panthera_Tigris
@TheTrickySid @justarandomguy @aditya128 @voygers @sands @CC_Exuberant @Odugu Narasimha Rao @jetesh @Hell_Kitty @Meerfaizan77 @kvndsz512 @jack333 @Madhur Pareek @saurabh0412 @helloworld @seekndestroy99 @Bhagat Singh @Ra.One @Gowthambalastark @kodiswaran @pgarg24 @railsfanatics @abhiaj_geek @yourmemebro @sadathh44 @kingpin @Rahul_diwan


hai Guys , Kindly please share you light on this thread with your experieance with INDUSIND PIONEER ACCOUNT
Kindly ignore if you dont posses the Pioneer account and sorry for tagging you.
If already replied please ignore, I am making my last Try to get info regarding this


please kindly answer all the questions asked , so that i can take decision


thank you bros

 

[kodiswaran]

@sun156
I am sharing my view here,
In any bank, try to hold a premium status if you can get it without any extra charges. Use the premium benefits like, lockers, BMS, lounges, credit cards as long as you can. RM may give you any promise and they may not be associated with the same bank in future to hold your promise. The worst thing that can happen is you might get notice stating that you are not meeting the required monthly (or) quarterly balance and your account might get downgraded. So at point, you just have to make sure, you downgrade your debit card too so that you don't pay any extra fee.

Personally I am holding Pioneer status in IndusInd for last 2 years and I also meet the required criteria. I am also holding family banking with them. But even if I plan to move the cash to other bank, I will still stay with Pioneer status until the bank decides to downgrade me which they might not do so easily.

 

[sadathh44]

@EnthuCC @imdjay @TechnoFi @viru5678 @_vptr @Pissant @Rishab @Ram1 @Panthera_Tigris
@TheTrickySid @justarandomguy @aditya128 @voygers @sands @CC_Exuberant @Odugu Narasimha Rao @jetesh @Hell_Kitty @Meerfaizan77 @kvndsz512 @jack333 @Madhur Pareek @saurabh0412 @helloworld @seekndestroy99 @Bhagat Singh @Ra.One @Gowthambalastark @kodiswaran @pgarg24 @railsfanatics @abhiaj_geek @yourmemebro @sadathh44 @kingpin @Rahul_diwan


hai Guys , Kindly please share you light on this thread with your experieance with INDUSIND PIONEER ACCOUNT
Kindly ignore if you dont posses the Pioneer account and sorry for tagging you.
If already replied please ignore, I am making my last Try to get info regarding this


please kindly answer all the questions asked , so that i can take decision


thank you bros

Hi,

I don't have a pioneer account.
I was thinking of opening an account this quarter.
I will get back to you with more details once I open it.

 

[dvader]

@EnthuCC @imdjay @TechnoFi @viru5678 @_vptr @Pissant @Rishab @Ram1 @Panthera_Tigris
@TheTrickySid @justarandomguy @aditya128 @voygers @sands @CC_Exuberant @Odugu Narasimha Rao @jetesh @Hell_Kitty @Meerfaizan77 @kvndsz512 @jack333 @Madhur Pareek @saurabh0412 @helloworld @seekndestroy99 @Bhagat Singh @Ra.One @Gowthambalastark @kodiswaran @pgarg24 @railsfanatics @abhiaj_geek @yourmemebro @sadathh44 @kingpin @Rahul_diwan


hai Guys , Kindly please share you light on this thread with your experieance with INDUSIND PIONEER ACCOUNT
Kindly ignore if you dont posses the Pioneer account and sorry for tagging you.
If already replied please ignore, I am making my last Try to get info regarding this


please kindly answer all the questions asked , so that i can take decision


thank you bros

Man while I understand your caution. If you're gonna wait for everyone who ever opened a pioneer account, it's better you don't open it. It's just an account, you are not making a life altering decision.

There are multiple threads answering your exact questions and in detail.

Personally, Your comments come out as very off putting.

 

[sun156]

Man while I understand your caution. If you're gonna wait for everyone who ever opened a pioneer account, it's better you don't open it. It's just an account, you are not making a life altering decision.

There are multiple threads answering your exact questions and in detail.

Personally, Your comments come out as very off putting.

Strange how asking questions is off-putting to you. Maybe the real discomfort comes from not having the answers yourself.

But still, I appreciate the feedback, and I’ll take it into consideration. That said, asking questions—regardless of whether they’ve been asked before—is part of engaging in discussion and learning. If it bothers you, feel free to scroll past. If something's already been answered, a simple link or scroll past would’ve sufficed. There’s no need to make it personal.
If my comments are off-putting to you, that's your interpretation—not my responsibility. I'm here to engage, not to please everyone. You're welcome to ignore my posts.

If my curiosity offends you, maybe the issue isn’t with my questions — but with your patience, or lack of it. Scroll on, champ

 

[Anindya98]

Mods @Vasuki @BeingIncog @BVC @vaibhav111, can we lock the thread now? The user doesn't respect others' opinions and always responds in a bad tone. He got this answer now we can lock it.
TF members should respect other members also. You might not be happy or satisfied with the answer, but you can't disrespect them. If you have so much knowledge and understanding, then why ask for others option try it for yourself and use your existing threads to ask more questions when you have similar query for the same bank.

 

[BVCBVC is verified member.]

Thread locked for review.

@BeingIncog @Vasuki @Akashn @Anil_Singh

Please review the thread. I am travelling.

 

[Anil_SinghAnil_Singh is verified member.]

Thread locked for review.

@BeingIncog @Vasuki @Akashn @Anil_Singh

Please review the thread. I am travelling.

Going through his posts, it is evident that he doesn't like to be criticized for repeated and identical questions about a bank account variant and its debit card. This thread should be left locked. The OP can ask his questions/doubts/help in already existing threads on same topic.