You have to brace up yourself and face the ULIP pitch 😛 You can say that you have some other plan like buying a house etc so cant do any investments right now. Branch RM have good amount of authority.
No need to face the RM just fill the account upgrade form and submit it in the branch.
Raising complaint is the only way these guys take us seriously and start working faster.
Not about facing up, if i say no they take a very long time to do anything..
it is for max savings account for classic 1L is required
Yes, now it is 1 lakh as per their official website.
Yes many private banks service these days has degenerated to PSU bank levels and in fact some PSU banks service has improved a lot so much that lately I feel there is not much difference in service. Yes, product-wise some private banks do have the upper edge and in some rural areas, PSU banks service is still crap.
Kotak is another level shitty bank. Few years back I applied for a Credit Card. They took my sign on some other card and sent me some other variant saying that you are eligible for this card. With this logic they can take signature on cc form and send you home loan saying you are eligible for this. 😛 Prior to that I opened an account with them and while entering my email id they made some error and to change the email id they took more than a month.
Yes these people are hungry for new accounts for their targets, if the home branch is not giving good service go to some other bigger branch which is nearby. I have seen bigger branches have better and more skilled staff.
