feel free to ask any bank related queries
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call on landline 🤪
also ask what is the current status?
I haven’t received refund to my sbi account from Amazon. It’s been more than 13 days now since the refund was intitated. What should I do next?
@rogerthat
@Roushh
How was the payment done?
Debit/Credit, NetBanking or UPI?
Any Good Bank for Education Loan For Abroad Study with low Interest ( With or Without Collateral )
collateral is must for abroad education loans in all psu Banks
educational loan with low interest rate doesn’t exist
i paid 14% during my time , foreclosed it .
now it has come down to 10% or so
Is there any limitations on doing transaction numbers in saving account? Why icici always calle get current account bcz high number transaction..what if i keep soing 100 of transaction daily.. is it illegal?
i have more than 150 transaction per month in icici pocket saving a/c never ever faced such issues
Any fast way of getting refund, always happens with me transaction fails and after 7 days refunded sometimes even after 10 days.. Any idea of getting faster refunds.
this depends on banks internal mechanism.
no solution for this.
private banks have good systems in this regard.
sbi is charging for upi transaction in bsbda account done through non sbi upi
open loot
I have two sbi debit card in two different branch
I want to block one debit card permanently and don’t want to reissue again
So please help
If i use online sbi to block debit card this will automatically apply for new card ?
written request to cancel the card permanently required.
is there any online process to link aadhar with bank?
yes via netbanking
Axis had marked cosmos freeze in my account saying i have lot of UPI txn. Last day (the before they had frozen my account ) i had received around 4-5 L using using in 10-15 txn and used the all amount in CRED using debit card n netbanking. Bank staff are asking me to give a letter to them with proper justification of txn so that they can fwd my letter.
Plz guide me
VGM
Can Gst Charged on penalty or service can be reversed, CC penalty of 590, 500 refunded 90 Gone, Again Wrong Debit Card Given 800 debited and Reversed only some 690.
gst is files every month
so any reversal of gst is possible only before month end.
otherwise it is gone.
My brother has got 650 CIBIL score. He signed as a guarantor to one of his friends, and he never availed a loan for himself from a bank but from an NBFC he settled that alos a long ago. The manager told him that he can’t avail any loan until his friend’s loan paid off. He badly need one lakh loan for his retail shop. Any other possible ways?
nothing can be done.
deviation is possible but only if manager is in your pocket
go for loan in mrs name
Will bank give Personal/business loan to a lady who is house wife? because my Sister-in-law is a house wife. @rogerthat
make her proprietor , do all business in her name.
big shots do this always to reduce taxes, diversify exposure etc
My mother and father had a joint account (inittially it was my father’s later he made it joint with my mother, for pension purpose)
My father is no more, can my mother continue using this old joint account?
Yes if mode of operation of account is is either or survivor
We are in receipt of your application> for Bank of Baroda credit card.
After a careful review of your application, we regret to inform that we are unable to issue a credit card at this time basis our internal risk criteria.
Please note that the current decision is in no way reflective of your credit worthiness, and we will be happy to process your application when you apply again with updated financial information at a later date, as per our guidelines.
If you believe that we have missed something or misread your information or if you have any additional information like additional income, etc. that you wish to submit that might influence our decision, please feel free to mail us at acquisition@bobfinanci…om and we will be happy to consider the same
@rogerthat Bob rejected my cc application 
be Happy don’t apply again.
even i have not Sent my application hardcopy for approval.
card is not that good.
@rogerthat
Need your comments on this. Looks like he creates multiple inner fd. 
fake doesn’t work
XXX One more approach (for farm land owners only) XXX
1)Take a hand loan of 1L and buy gold. Gold will earn at least 6% as appreciation.
2)Take gold loan as farmer (yes, only as farmer with land records) for 3% (or 7% for some states) interest upto 1L.
3)Pay back the hand loan of 50k(bank gives 50% loan only)
Now you have 50k loan. Take personal loan for with 12%.
Total loan 1L : 50k with 3% interest and 50k with 12% interest.
The average interest for the 1L is 7.5%
(Assuming you have 1L FD with 8% interest, you will gain 0.5%.)
Also, you will be gaining gold appreciation of 6% which will be positive without any investment.
PS: Gold bars are better to avoid the making charges, but banks will not give loans for them.
Also, consider 3% GST for gold buying, which is loss for us.
If you run this at least 1 year, you will start gaining after that.
You missed the following
1. If you consider 3% gst loss , why don’t you include in your calculations and instead of profit it is loss.
2. Your calculation is vague in nature for the reason you are considering fd @ 8% wherein all current scenarios all major banks offer 7 or max 7.5% rate of interest for 1 yr except some special fds like 369 days , 555 days and so on.
How can i check my cibil score for free of cost, i know nothing comes free. but i heard once in a financial year we can check it for free. is it true? I did on bankbazzar dot com, it shows nothing for my PAN card – No match found. And moreover i’m getting spam messages, i’m sure that those messages were from bazzar web. So anyohter legit websites without spams?
https://myscore.cibil.com/CreditView/login.page...
Here you can get your 1 time cibil score for free from official website. You have to register and provide your pan etc details.
I applied for a CC and the bank made an inquiry for 1 lakh, does this have any relation to the credit limit I may get for that CC or its just random inquiry amount by bank?
any random amount
that doesn’t affect cibil score
but more enquiry reduces score by 5 for each enquiry or so
don’t know exactly
it says We are unable to locate your information in our records, what does that mean? i tried so many times but same error.i have a loan, so there must be some. @panchabhut
@digitalworld
I can’t understand
what ia the issue ?
@ No-One what happened bro
I am planning to open a salary account with BoB: https://www.bankofbaroda.in/baroda-salary-super...
online detail shows bundled LTF Select CC. How to ensure they do issue the CC?
Would I be required to maintain any min balance before issuance of CC?
After how much time they approve this LTF CC?
Any other conditions I should be aware of?
Opening this salary account, what benefits can I get from BoB, other than mentioned in link?
… Am expecting some insider info buddy!
details you are Looking
Thank you @rogerthat
welcome Customer 
I have fixed deposit in sbi bank. i need sbi credit card on fd without going to home brance . is it possible? if so how
not possible in sbi atleast
i taken cc against online fd on different state on same day in axis bank
My friend is a govt salaried person in Kerala. He wants a credit card , and debit card preferably in HDFC Bank
Any best way to open HDFC savings account with no fees or debit card AMC charges?
Also he want no charges credit card
Please help with
Open saving account with 1 lakh initial deposit. Your friend have to maintain 10k MAB and he can withdraw rest of amount after ac opening
SBI denied withdrawal from own account (in home branch) using withdrawal slip for not having passbook. Though I produced Aadhar in original (that too same is linked in account) for proving my identity.
How correct is this? @rogerthat
this is correct as per banking rules.
withdrawal slip must be accompanied with passbook.
@rogerthat If I change my home branch in sbi (by its Net Banking) or in Axis bank then
1) Does IFSC code will change?
2) What will happen to normal ECS of Dividend of shares which is directly coming to my bank account. Will they still be credited or it will bounce?
3) What will happen to standing instruction like SIP doing from such account. Will it continue or it will rejected?
For 1) YES.
For 2) I tried sending money within sbi (onlinesbi transfers) after branch change (with old IFSC) the amount was credited successfully. Cannot say for transfers from other banks.
@rogerthat dear dimer, i need some help or information in my credit card limit increase of Indusind Bank. Its already 4 years, I am operating an account with Indusind Bank and almost 3 years for credit card but in 3 years Indusind never increase my Credit limit. I also have a personal loan account with them and now only 2 instalments are pending, every instalment was paid on time without any penalties or late payment, same as in credit cards never miss credit card bill payment, even paid my bill amount with in 2 to 3 days. Please suggest what should I do.
On the other hand, credit cards acquired after Indusind Bank credit cards increased limit with lowest increase rate of 1 Lac minimum.
What should i do. Is there any way to do something in this problem?
what is the annual volume of transaction in the card?
@rogerthat
Is it possible for bank employees/manager to reopen a prematurely closed F.D., mainly when they are at fault and did so without any permission (reason as claimed : misheard/misunderstood)
IF not, what they can do..
Because it was F.D. of 90Months maturing on 1st,march’19 ₹9.35% interest
Premature closure means I would get 1%less interest by default for last 88months + interest of 5.5-6.35 of reinvested now.
Would be even better if u can cmmnt regarding SBI.. TIA
How can FD be closed prematurely without written application? Have you filed a written complaint?
But case seems to be an old one.
I had applied for Bob credit card through branch on 11th october…the lady has not given application number yet..and also not picking the call…not replying even on WhatsApp..I have tried several times to call her… but she doesn’t pick…
What to do..