back until 2019, i had regalia. I dont know how but it has 8L CL. Then suddenly one hdfc rm called me and said open classic banking with hdfc, infinia will be provided ltf. we need to maintain 1L amb with classic banking. Then I opened classic banking a/c, they closed regalia and gave me infinia ltf with initial 10L CL. During covid there is LE offer and it was raised to 15L.
After one year of opening classic banking, I reduced the balance to below the amb requirements. They did not yet downgrade it . But RM said I can close the account altogether with losing ltf on infinia card.
I was very careful with RM. He brought one of his associate to upsell me fixed income scheme. I told him I will be interested to invest in any scheme which has minimum 12% XIRR and fund manager himself should invest in the fund. He never came back to me with any more recommendations.