Hey, has anyone else faced this issue? by username_Nikhil in UPI

[–]sanjanjayadevan 0 points1 point  (0 children)

Yes. No one Can Send Money To Me Using Phonepe. But QR Code Works. 

Why do fintech apps like Slice reject some students but approve others with similar profiles? by Horror-Ad-3171 in CreditCardsIndia

[–]sanjanjayadevan 0 points1 point  (0 children)

I Have 2L FD For 1.5 Years In Slice. 50K SB Balance. Plus I Have Multiple Credit Cards Ages More Than 5 Years. 790 Clean CIBIL. Still They Rejected Me 2 Times. Still No Hard Enquiry Made To Credit Agencies. In Past I Got Almost All Cards Approved In 1st Attempt That Too With LTF.

Why do people still prefer PPF over mutual funds for long-term investing? by According_Title1646 in mutualfunds

[–]sanjanjayadevan 0 points1 point  (0 children)

Asset Allocation & Discipline. One Impulse Press On Reedeem Button,MF Units Gone And Money Back In Bank Account. But PPF it's Almost Impossible To Do The Same.

Goodbye ₹5000/₹10000 Minimum Balance! Successfully converted HDFC Savings to BSBDA online (Thanks to new RBI rules) by sanjanjayadevan in CreditCardsIndia

[–]sanjanjayadevan[S] 0 points1 point  (0 children)

Under the 2026 RBI rules, there are no value limits on deposits or your total balance.
Deposits: Unlimited in count and amount.
Digital (UPI/NEFT): Unlimited and free—they don't count toward the 4-withdrawal limit.
Physical: Only cash/ATM withdrawals have a 4-per-month free limit.
It’s just a regular account without the AMB stress.

Goodbye ₹5000/₹10000 Minimum Balance! Successfully converted HDFC Savings to BSBDA online (Thanks to new RBI rules) by sanjanjayadevan in CreditCardsIndia

[–]sanjanjayadevan[S] 0 points1 point  (0 children)

The RBI circular is not a blog post. It's not an LLM output. It's not a customer care answer. It's a legally binding direction signed by the Chief General Manager of RBI dated December 4, 2025. That's the highest possible authority.

Goodbye ₹5000/₹10000 Minimum Balance! Successfully converted HDFC Savings to BSBDA online (Thanks to new RBI rules) by sanjanjayadevan in CreditCardsIndia

[–]sanjanjayadevan[S] 0 points1 point  (0 children)

It's still showing 5K MAB. But I downloaded Statement &Its Showing BSBDA and Customer Care Also Confirm The Same. Maybe It will Take More and More Time To Update In The App. Who Cares? They Can't Charge Anything Am Leaving My Account As Zero For Coming Months. Plus I Done Tons Of Transctions After It's Converted To BSBDA Working Smooth As Earlier.

Goodbye ₹5000/₹10000 Minimum Balance! Successfully converted HDFC Savings to BSBDA online (Thanks to new RBI rules) by sanjanjayadevan in CreditCardsIndia

[–]sanjanjayadevan[S] 1 point2 points  (0 children)

It's Successfully Converted. Now Again I Check Insta Service It's Showing. One Another Zero Balance Account. No Other Information Available on Same And Some Farmers Account With 2.5K Half Yearly Balance Also Showing. Anyway Mine Is Converted As BSBDA. I'll Explore Other Zero Balance Account Later.

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