They will do a cibil hit as you have asked for an upgrade. They can't accept everyone's request for an upgrade so they do a cibil hit to check whether the person is eligible for an upgrade or not.
They won't do a cibil hit when the upgrade offer is from their side.
They will do a cibil hit as you have asked for an upgrade. They can't accept everyone's request for an upgrade so they do a cibil hit to check whether the person is eligible for an upgrade or not.
They won't do a cibil hit when the upgrade offer is from their side