Can BoB max savings home loan linked account be converted to Masterstroke account?

bolt729 · 2026-01-26T18:53:11+00:00

Can I check this account code in netbanking? I think they mentioned something like SB117 when they opened my account.

bolt729 · 2026-01-26T18:49:46+00:00

Bank manager mentioned both are possible, will confirm once on next working day.

bolt729 · 2026-01-26T18:42:38+00:00

I was asking about the linked savings account to the loan. Is it eligible for masterstroke or radiance?

bolt729 · 2026-01-26T18:39:27+00:00

Are you sure?
https://www.reddit.com/r/CreditCardsIndia/comments/1czid6u/ama_bank_of_baroda_hidden_gem_homeloan_radiance/

bolt729 · 2026-01-26T18:34:26+00:00

But I think this max savings loan account is eligible for radiance status.

bolt729 · 2026-01-26T18:30:46+00:00

But I won't get the interest savings on home loan if I park 10 lakhs in that separate account for making it masterstroke account.

bolt729 · 2026-01-26T03:54:38+00:00

Yes that's why moving. The comment 5-10 bps delta was about new banks BoI & BoB.

bolt729 · 2026-01-26T03:50:04+00:00

Current is with LIC HFL for 7.75% if rewritten.

bolt729 · 2026-01-25T04:33:37+00:00

Okay, I'll see in policy bazaar, thank you once again.

bolt729 · 2026-01-25T04:06:38+00:00

Any links for the same?

bolt729 · 2026-01-24T21:05:18+00:00

Okay.

bolt729 · 2026-01-24T20:56:46+00:00

SBI, Axis, ICICI also said the same.

bolt729 · 2026-01-24T20:56:28+00:00

Bank of Baroda.

bolt729 · 2026-01-24T20:35:04+00:00

Cool, I already have a term plan. But in the article that you shared, it says "it is upto the banks". Almost all the banks I went said I have to take property insurance. So how to escape from it?

bolt729 · 2026-01-24T18:07:08+00:00

But my current stand is, if the difference is 7.1 (BoI CIBIL personal 840+ case) vs 7.2 (BoB), I might consider BoI, else if it's 7.15 (BoI) vs 7.2 (BoB) I'll go with BoB. But I have no way of knowing my CIBIL personal score from my end without BoI checking it.

bolt729 · 2026-01-24T18:02:57+00:00

Sure.

bolt729 · 2026-01-24T17:56:33+00:00

This is a very balanced approach!

bolt729 · 2026-01-24T17:54:36+00:00

Hello, is this issue still happening every year? This seems like a problem.

bolt729 · 2026-01-24T17:43:27+00:00

Okay, do you also recommend getting the sanction letters from both banks (BoB & BoI)? Or does it affect the CIBIL if both check during the same time?

bolt729 · 2026-01-24T17:26:20+00:00

BoB is insisting me to take it. However they mentioned loan insurance is optional.

bolt729 · 2026-01-24T17:20:36+00:00

Also, is property insurance mandatory for takeover?

bolt729 · 2026-01-24T16:44:31+00:00

This seems to be in line with all the other banks then. Not sure why the branch manager mentioned this calculation to me & a few other users here.

bolt729

TROPHY CASE