BoB Radiance downgrade in managers hands?

[maynigam]

Hey guys

BoB manager called me and requested to keep funds in saving account as they were nearing 31st March and they were falling short for some target.
If I comply, my account will fall into the Radiance criteria but I don't see any advantage in doing that unless he upgrades me to Radiance program and keeps me there even if I don't meet the Radiance criteria next month.
I prefer to keep liquidity in IDFC as it gives much better rate of interest without any hassle and I dont want my money to rot in BoB savings account.
BoB manager has told me on previous occasions that Radiance criteria is automatically determined by the system and account gets upgraded & downgraded automatically, but some people on this community have stated it is all in the hands of manager!
Can someone please confirm this?

Thanks in advance!

 

[RAMESH BABU N]

Avoid such WINDOW-DRESSINGs.

 

[maynigam]

Avoid such WINDOW-DRESSINGs.

Please elaborate your statement.

 

[RAMESH BABU N]

Please elaborate your statement.

Artificially inflating deposits or advances - for brief periods or even for few hours - to meet targets or deadlines. Customers hardly get any benefits out of such acts.

 

[maynigam]

Artificially inflating deposits or advances - for brief periods or even for few hours - to meet targets or deadlines. Customers hardly get any benefits out of such acts.

Agree, the branch may benefit by meeting some internal targets.
In my relatively short experience with banks, I have realized that they will only look out for their interests.
That is why, I will comply with their requests only if I get some banking advantage in return.