Once I was at tapri, a SBI agent came to and tried to sell koi toh raddi card. I asked him for SBI CB, that guy told me saar it was not possible, they don't consider applications for CB now a day.
I took them personally, that night I applied for CB, I got the CB within a week with 1.2L CL (now at 2.5L after CLE) with LESS INCOME THAN YOURS