Please find all terms and conditions and approval process for all deviation on income / eligibility or spends conditions.
Edit : Confirmed with multiple sources and RM , this is
percent genuine !
Nothing like that . Most of the time BM or RM don’t know or have experience or even contacts ! You can get if you reach to right guy and he buys your ask .
I just got IndusInd Heritage Metal LTF which has 90k joining fee . I have shared that experience as well .
So you need to contact the ONE who can help and have reach .