BOB Radiance

[CARDBITRAGE]

Hello! I have been told by my BM that I have been onboarded into BOB Radiance. But I have not received any sort of confirmation. The BM says an RM hasn't been mapped to my account yet, but it's been more than 2 months. I easily maintain more than the required NRV. Moreover, there has been no change in my BOB World and net banking interface. If anybody is part of Baroda Radiance, can you please tell me how I can confirm the same? Also, is there any change in the BOB world app and net banking? Thank you.

 

[SSV]

Bhai 25 lakhs auto loan will make you eligible for radiance. By Monday rm said he will share complete updated pdf. I'll update same here

Any update on this , minimum requirement on opening a new radiance account???

 

[_amit_]

Any update on this ??

Shared here:

Regarding BoB radiance requirement

Can someone help me with BoB Radiance banking requirements/eligibility. Like how much IP/MAB required to open BoB Radiance account... If salary account, how much per month salary needed. Asking here in few thread because I couldn't find this info in their website or in our forum. I'm mostly...

www.technofino.in

 

[SSV]

Shared here:

Regarding BoB radiance requirement

Can someone help me with BoB Radiance banking requirements/eligibility. Like how much IP/MAB required to open BoB Radiance account... If salary account, how much per month salary needed. Asking here in few thread because I couldn't find this info in their website or in our forum. I'm mostly...

www.technofino.in

Thank you for the info

 

[jetesh]

Some people are saying that after upgrading to the Radiance account, we are eligible for the LTF BOB Opulence debit card. And others are saying that even after account upgrades, we still have to pay annual fees.

Literally, I am confused now.

 

[Bhagat Singh]

Any update on this , minimum requirement on opening a new radiance account???

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.

 

[Bhagat Singh]

Some people are saying that after upgrading to the Radiance account, we are eligible for the LTF BOB Opulence debit card. And others are saying that even after account upgrades, we still have to pay annual fees.

Literally, I am confused now.

Only visa sapphire debit card is free

 

[Bhagat Singh]

Any update on this , minimum requirement on opening a new radiance account???

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.

 

[SSV]

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.

Thanks for the info, appreciated

 

[SSV]

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.

Yes, I don't have any relationship with BOB.
So, 10L should do the trick..

 

[SSV]

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.

Lets update the eterna application experience.
Will the usual process of cibil, doc submission the same as normal or is it a simple process for applying and getting approval for radiance customers?
My main aim of opening radiance is to get eterna ltf quick and easily

 

[jetesh]

Only visa sapphire debit card is free

Few people in this forum mentioned that Radiance account holders get a LTF Opulence debit card. Its a Opulence or Sapphire debit card, so much confusion.

 

[SSV]

Few people in this forum mentioned that Radiance account holders get a LTF Opulence debit card. Its a Opulence or Sapphire debit card, so much confusion.

Website says this

 

[urboss]

Few people in this forum mentioned that Radiance account holders get a LTF Opulence debit card. Its a Opulence or Sapphire debit card, so much confusion.

My RM said, only Sapphire is complimentary (no charges). He can get Opulence as well with some discounts. I said, no thanks, I am good with Sapphire. Applied in the app and got it in 3-5 days.

 

[urboss]

Lets update the eterna application experience.
Will the usual process of cibil, doc submission the same as normal or is it a simple process for applying and getting approval for radiance customers?
My main aim of opening radiance is to get eterna ltf quick and easily

For radiance, the ETERNA needs to be applied through branch because they put a radiance tag in the physical application process so that charges can be waived off. You get 2 verification calls from different departments and the ETA is 7-10 working days.

 

[jetesh]

My RM said, only Sapphire is complimentary (no charges). He can get Opulence as well with some discounts. I said, no thanks, I am good with Sapphire. Applied in the app and got it in 3-5 days.

Discount percentage ????

 

[Bhagat Singh]

Lets update the eterna application experience.
Will the usual process of cibil, doc submission the same as normal or is it a simple process for applying and getting approval for radiance customers?
My main aim of opening radiance is to get eterna ltf quick and easily

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 you have been onboarded to radiance.
It'll take around 2 week to onboard to radince after account opening. Than get eterna immediately and withdraw all funds..no need to maintain.

Even if you get downgraded after 6 months you're eterna will remain LTF.

 

[SSV]

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 you have been onboarded to radiance.
It'll take around 2 week to onboard to radince after account opening. Than get eterna immediately and withdraw all funds..no need to maintain.

Even if you get downgraded after 6 months you're eterna will remain LTF.

very good this is what I want to do... to be precise..
but now , i have another doubt..
It seems my recent Eterna was rejected because of 'High Leverage " from my CIBIL score..
I am not sure going thru branch and Radinace relationship will bypass this issue or get stuck at the same, at the time of CIBIL and again reject my Eterna...
Any idea?

 

[Bhagat Singh]

very good this is what I want to do... to be precise..
but now , i have another doubt..
It seems my recent Eterna was rejected because of 'High Leverage " from my CIBIL score..
I am not sure going thru branch and Radinace relationship will bypass this issue or get stuck at the same at the time of CIBIL and again reject my Eterna...
Any idea?

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.

 

[SSV]

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.

I too think so .. It all depnds upon who handles the case.. thanks

 

[urboss]

very good this is what I want to do... to be precise..
but now , i have another doubt..
It seems my recent Eterna was rejected because of 'High Leverage " from my CIBIL score..
I am not sure going thru branch and Radinace relationship will bypass this issue or get stuck at the same, at the time of CIBIL and again reject my Eterna...
Any idea?

what is "high leverage" in cibil score?