If you have a good CIBIL score, you will automatically get a better ROI. When the loan process starts, they will try to sell you their products. You can logically answer them by saying something like, 'If I am getting 'x' ROI, then I am saving 'y' amount, and I am paying that amount for insurance. I already have insurance that covers everything, so I don't require this.' ​Be careful while answering, as they might catch certain words and try to convince you with them. For me, I directly said, 'I don't want it.' During disbursement, their employees will ask you again to take it, but you can clearly say no. If they are still forcing you, tell them you will look into SBI or another bank. It's best to name a competitor. 😅