| Credit Card |
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Standard Chartered
Frankly, how many of us really bother to read the fine print before getting a credit card? Not many, really. As we get lured by attractive offers and benefits on these cards, we tend to neglect the important part of this process,
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swati dubey
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| Personal Loan |
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Reliance
ok but not best.
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Nimit Shah
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| Home Loan |
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ICICI Bank
I took loan from ICICI bank in Dec 2005 at 7.25% floating rate. As the builder asked to pay the whole amount in 7 days, I had no option but go to ICICI. (Only ICICI could give the loan in 7 days). I was
paying the interest rate of 12.75% as of Dec 2008, then ICICI decreased it to 12.25%. They increased the rates 5-6 times when ever RBI increased (even disproportionately) but never decreased. So I thought enough is enough.
In Feb 2009, I started the process of switching the loan to SBI (8% for first year, then as per SBAR) along with few of my friends/colleages. Finally I closed my ICICI loan as of Mar 24th 2009. I will recover the pre-closure charges (2.25%) paid to ICICI within 6-7 months itself. I am so much at peace now. Next step for me is to close ICICI savings and credit cards.
Best of luck to all the people who are still with ICICI.
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Om
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| Business Loan |
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Reliance
Good loan product
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ranjan
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| Loan Against Property |
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IDBI Bank
they have an efficient loan process
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akarsh
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| Life Insurance |
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LIC
LIC has of late been splurging on adspend, and releasing fancy ads promising you the moon. Dont believe a word of it. Lic is one of the dumbest, apathetic, bureacratic, and pathetic organisations ever They have enjoyed the monopoly status so long that they take the customers forgranted. Customer service! what’s that? LIC has never heard of the term. It took them 1 full year and umpteen number of reminders to transfer my policies from Delhi to Bnagalore
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Raghu
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| Health Insurance |
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ICICI Prudential
A very well worked policy this is much better than a mediclaim policy you get a direct cover for a long term and plus the health savings fund which is market linked will provide a good corpus for health
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Avinash
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| Car Loan |
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HDFC Bank
Good Points: Phenomenal speed and follow up before loan disbursement.
Bad Points: Slightly clueless frontman. Also, they bank tried to arm-twist me into taking auto insurance from them because \' they gave me a good interest rate\'. I told them to cancel the loan, after which they apologised.
General comments: I was called up and told I had a pre-approved car loan, and all I had to submit was my PAN card photocopy, a 3-month bank statement of a nationalised bank, and one photograph. They called me for verification, met me at the showroom 3 hours later and took the details of my car, my PDCs, and got me to sign the loan agreement
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Pranav
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| Car Insurance |
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Reliance
I have a reliance Car insurance. Initially, when I took the insurance, I was told that they were offering cashless insurance in Haridwar.But when I met with one unfortunate accident and have to take a claim for it, I was told that cashless claim is available only in Dehradun ( 60 km from Haridwar)
I decided to go for a local Garage which I trust and paid the amount from my pocket and the claim amount which reliance people returned had a important component missing from my claim amount, Service Tax which I paid to the garage
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Ajit
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| Demat Account |
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Sharekhan
test
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test
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