(Limit increase) Update your SBI app and check if you have a limit increase option under benefits.

[ishtiyaaqahmed]

I updated the SBI App yesterday and got limit increase option under benefits section in the SBI App.

My limit went from 1.32 to 2.32 for my exactly 1 year old SBI Cashback card.

Do try and check.

 

[SSV]

Wow, getting 10L limit on Cashback card 😘. Completed application🤞. Hope its not a bug. 🪲

That was only an estimated offer..
There are likely 3 possibilities here...
1) instant rejection
2) getting a CLI of somewhere around 6L
3) reduction in your current CL per say to 2L..

All the best

 

[sumit_yadav]

Wow, getting 10L limit on Cashback card 😘. Completed application🤞. Hope its not a bug. 🪲

Everyone who see this page saw their limit can be increased 3x times. From 4.2 the limit should have been 12.6 but seem 10 lakh is the max limit sbi want to offer.

 

[sumit_yadav]

I requested the CLE on 15th via the Updated App. The SR is still showing In Progress and on the mobile I only get the option to Check Status which gets stuck and does nothing.
On the web, they show the option to select the CL and proceed.

Should we keep trying until we get an Instant increase or keep patience? This kind of CL increase is unexpected from SBI.

 

[Rahul Gupta]

10k , ,

Just 10k and they still gave LE? Did you have high transactions in that icici account?

 

[Rahul Gupta]

Everyone who see this page saw their limit can be increased 3x times. From 4.2 the limit should have been 12.6 but seem 10 lakh is the max limit sbi want to offer.

Actually 10lakh is the max limit sbi provides on cashback card.

 

[Sagar56794]

I am also getting this offer in my cashback card from 70k limit to max 3L. But I got this card in Jun 2024 while my simply save is 1 year old. Should I even try to put a request to increase the limit upto let's say 1.5L?

 

[deep@vie]

Trying again and again is generating SR. But got no option to reach anumati. Is it ok to try again and again

Yes, you have to keep trying, it seems SBICards haven't incorporated this feature in an efficient manner.

 

[ReloadFin]

this is absolutely correct..
People should try with half of the offered limit then there may be some chance to going past to the next step...

Then what about people like me, who haven't got any MAX Limit, just ₹ symbol then i desired to 5L, but got 1L.

I think what sbi wants to give is only max. Whatever formula they using. I suggest to put max limit (what you actually deserve as per income/leverage).

 

[John123]

I have approved my ICICI bank and anumati's final page showed thank you for consent and generated some AA handle.

Now, what next? 😂

SR is in progress though.

 

[doomlord]

I checked my browser history the redirected webpage address is https://app.anumati.co.in/anumati-aa/redirect/approve-consent.... Can you please check if it is the same web address? If you have a different re-directed web address, would you mind sharing it? 🙂

Anubhav — AA Experience curated by Finarkein

fnrk.in

This is what I'm getting everytime

 

[crazyuploader]

They'll take your consent and check your bank statement through Anumati portal,
For me it was almost instantaneous
But for some can take some time

Could it be the reason why I didn't get anything, because I stopped using my SBI account for salary, and using Fi instead (I was not given any option to check my bank statement Anumati portal)

 

[Swastik]

Could it be the reason why I didn't get anything, because I stopped using my SBI account for salary, and using Fi instead (I was not given any option to check my bank statement Anumati portal)

My salary account is in union, and anumati portel has otions for all major banks

Possible reasons for not getting credit limit increase include :-
- Recently increased
- Recently rejected with documents
- Low ITR or Salary stated in Cibil*
- Low limit on other cards*
- High total limit compared to salary(overleveraged)

 

[shivamk]

- Low ITR or Salary stated in Cibil*

How to check salary reported in CIBIL?

- High total limit compared to salary(overleveraged)

How much ratio is overleveraged

 

[Swastik]

How to check salary reported in CIBIL?

How much ratio is overleveraged

Check salary info by downloading full report from Cibil website

There's no formal value of overleveraged but I've seen examples of people with itr of 6L with total credit limit of over 50L ,that would certainly be overlaveraged,
I'd say anywhere around 5 times your annual gross should be the upper limit, but even that mught too high for banks like SBI and Amex

 

[BhaiyaJi]

I'd say anywhere around 5 times your annual gross should be the upper limit, but even that mught too high for banks like SBI and Amex

AMEX is very lenient in giving credit limits.

 

[SSV]

Check salary info by downloading full report from Cibil website

There's no formal value of overleveraged but I've seen examples of people with itr of 6L with total credit limit of over 50L ,that would certainly be overlaveraged,
I'd say anywhere around 5 times your annual gross should be the upper limit, but even that mught too high for banks like SBI and Amex

Anything more than 2 to 2.5 times itself is like flirting with danger as far as SBI'S overleverage is concerned...

 

[shivamk]

Check salary info by downloading full report from Cibil website

There's no formal value of overleveraged but I've seen examples of people with itr of 6L with total credit limit of over 50L ,that would certainly be overlaveraged,
I'd say anywhere around 5 times your annual gross should be the upper limit, but even that mught too high for banks like SBI and Amex

Is this it? Because I wish it was that high.

In actual, my total limit across cards is less than my gross income. The only steep one is ICICI which I might bring down since banks don't consider ICICI for C2C

 

[SSV]

Is this it? Because I wish it was that high
View attachment 69144

Yes, that is the one..
When are you buying your private yatch ?

 

[Nishan11]

Is this it? Because I wish it was that high.

In actual, my total limit across cards is less than my gross income. The only steep one is ICICI which I might bring down since banks don't consider ICICI for C2C
View attachment 69144

That's crazy figure 😂.

PNB has reported exact yearly income for me. No other bank had updated before.

 

[thewittypanda]

Well for me, after selecting the desired limit it is asking me to redirect to another AA which is NADL. Not able to gather enough faith to try on these websites be it NADL or Anumati. Will wait for limit increase by SBI Cards themselves or will try with salary slips sometime later.