I'm fighting with HDFC PNO and MD's desk since last 1.5 months to get LTF HDFC IRCTC. I'm already holding LTF Millennia. After a tough fight, branch called and told bank has decided to give Paid IRCTC Floater as an exception. But I have proofs of LTF IRCTC and just mailed them 2 days back. If I'm successful, I will definitely make a separate thread for it, fingers crossed... And if denied, I will take RBIO route.