Interest Rate - IDFC First Bank Running A Scam

[hender]

Exactly my point bruh, however in the new TnC, they said the slabs are effective from Feb 2025,
It's a misleading again, how can they go back 3 months in past,
They should write, effective from May 1st,
You can also check it in my previous comments or on web

Are bro tab se dekh raha hoon 🤣
Basically his case is non maintainable.
Bank is not at fault rather the OP's & yours calculation are incorrect.

Just because BM uninformed/ incompetent hai uska matalab sarein hai kya?

OP is taking interest rate of May 2024 instead of previous once which was applicable for April, i.e of Feb 2025. According to which, interest is correct.

Upto that bal same interest rate is even taken in lastest updated version, which is effective from May 1, 2025.

Bro, keep yourself updated.

May 2024 ka interest rate le rahe hain aap..

Aap ka bal ke liye Feb 2025 mein jo amendment aaya tha uss anusar se hoga

May 1, 2025 ke liye jo aaya hai usme bhi aapka bal jitna hai utna tak same rate hai (Feb 25 wala)...

Arey bhai, ab kuch galat bolunga toh bura lag jayega,
May 1st ko screenshot lia Bank ki website se, jisme jo slabs likhe the woh May 24 se revise nhi kiye the and same mujhe BM ne bhi bheja,

Now aaj yadi firse check kare, toh new TnC update ho gaya joki tum barbaar refer kar rahe ho,

Ab new TnC me pdf me yadi likh dun ki effective from Feb 25, toh isko kese accept karoge???

Changes aap public ko May 2nd ko batao or effective bolo 3 mahine pahle ka,

Ab isme yadi aapko sahi lagta hai toh aap mahan ho, mera common sense yeh digest nhi karta, kyunki April 1st to April 30 tak old TnC thi, toh mera case wohi hai

@vchouksey80 Did you check the interest rate slabs in the screenshot attached with this post?
This was in effect from 20 Feb 2025.

You won't find any difference between the one effective from 01 May and this one till 25 crs.

A gap of Rate Card communication or understanding(retrospective)...
As per OP.

 

[vchouksey80]

@vchouksey80 Did you check the interest rate slabs in the screenshot attached with this post?
This was in effect from 20 Feb 2025.

You won't find any difference between the one effective from 01 May and this one till 25 crs.

If I would have saw this on yesterday itself I didn't have raise complaint or posted here

 

[honey_jpr]

Yes, it's correct as per this, but TnC changed today bro, till yesterday there was different TnC, open screenshot in my original post

If you have screenshots in the mail, then raise complaint to evey level and if not solved, raise a complaint in RBIO, you have a strong case!

 

[ashwinikumar900]

I opened wealth account with IDFC First Bank recently with IF of 12lac

As per their mobile app, my average monthly balance was 10.72lac,

They credited interest of Rs 3735, and as per their different slabs as per screenshot expected interest should be Rs 4851.67

The difference is Rs 1117, they took 2 days already, but not given any interest breakup or any calculation so far,

It happened once before too, almost 2-3 months back. How I noticed that they ‘out of blue’ in the middle of the month sent another interest credit stating “system error issues causes many customers wrong credit of interest”. So its good that you have already emailed them, maybe this time again they have messed up.

 

[Aniket]

Arey bhai, ab kuch galat bolunga toh bura lag jayega,

As if you're only having the account.

May 1st ko screenshot lia Bank ki website se, jisme jo slabs likhe the woh May 24 se revise nhi kiye the and same mujhe BM ne bhi bheja,

Depends karta hai magar mein nahi maan sakta ya toh technical glitches ya aap purana wala dekhe hain search karke kuch...

As I said just because BM is incompetent/ uninformed enough not to put logical argument, doesn't mean your contention is correct.

Now aaj yadi firse check kare, toh new TnC update ho gaya joki tum barbaar refer kar rahe ho,

Wo effective hai May se

Ab new TnC me pdf me yadi likh dun ki effective from Feb 25, toh isko kese accept karoge???

Dono different hai 😂 dono same rehta toh bank pagal nahi hai Feb 20 mein update kiya tha, firh May 1 mein kar deta

Lekin aapka balance jitna hai uspe progressive interest dono mein same hi hai toh koi bhi refer kar liye magar may 24 wala nahi 🤣 as you did

Changes aap public ko May 2nd ko batao or effective bolo 3 mahine pahle ka,

Kya baat kar rahe hain?🤣 Matalab kuchbhi?

Mein aaj jake interest rate nahi dekha hoon jab Feb mein change huwa tha tabhi bhi dekha tha 🤣

Ab isme yadi aapko sahi lagta hai toh aap mahan ho, mera common sense yeh digest nhi karta, kyunki April 1st to April 30 tak old TnC thi, toh mera case wohi hai

Sahi lagta nahi sahi hi hai 😂

Prove kar doon tab kya karenge? 😂

 

[Aniket]

View attachment 96315

PDF dalta ya screenshot IDFC wala toh bolte edit kiye hain issi liye news article hi laga diya 😂

Ab kuch hai kehne ko?

Koi different facts/views rakhe, iska matalab ye nahi wo galat hi hai, keep you ego aside and accept the fact.

 

[vchouksey80]

As if you're only having the account.

Depends karta hai magar mein nahi maan sakta ya toh technical glitches ya aap purana wala dekhe hain search karke kuch...

As I said just because BM is incompetent/ uninformed enough not to put logical argument, doesn't mean your contention is correct.



Wo effective hai May se

Dono different hai 😂 dono same rehta toh bank pagal nahi hai Feb 20 mein update kiya tha, firh May 1 mein kar deta

Lekin aapka balance jitna hai uspe progressive interest dono mein same hi hai toh koi bhi refer kar liye magar may 24 wala nahi 🤣 as you did

Kya baat kar rahe hain?🤣 Matalab kuchbhi?

Mein aaj jake interest rate nahi dekha hoon jab Feb mein change huwa tha tabhi bhi dekha tha 🤣

Sahi lagta nahi sahi hi hai 😂

Prove kar doon tab kya karenge? 😂

View attachment 96315

Chhodo bhai tumko nhi smjha sakta, mene account hi last month open kia aur me kese purana TnC refer kar sakta hun, but I rest my case, proof toh me bhi kar sakta hun lekin manna nhi hai aapko

 

[Aniket]

Bhai yadi Feb 25 me change kia toh fir website aaj May 2nd ko kyon update kar rahe

Feb 20, 2025 mein change huwa, usko firse ammend kiya May 1, 2025 mein...

Magar aap May 2024 wala le rahe hai refrence me...

 

[vchouksey80]

PDF dalta ya screenshot IDFC wala toh bolte edit kiye hain issi liye news article hi laga diya 😂

Ab kuch hai kehne ko?

Koi different facts/views rakhe, iska matalab ye nahi wo galat hi hai, keep you ego aside and accept the fact.

News article ka heading padh lo firse, and you shared screenshot not link,

 

[Aniket]

Chhodo bhai tumko nhi smjha sakta, mene account hi last month open kia aur me kese purana TnC refer kar sakta hun, but I rest my case, proof toh me bhi kar sakta hun lekin manna nhi hai aapko

Kuch bolunga ab toh vivaad ho jayega...

Best of luck! 😜

 

[Quantum]

@vchouksey80 Please notice the date in this PDF: https://www.idfcfirstbank.com/conte...tes-on-Savings-Deposits-wef-20th-Feb-2025.pdf

 

[hender]

PDF dalta ya screenshot IDFC wala toh bolte edit kiye hain issi liye news article hi laga diya 😂

Ab kuch hai kehne ko?

Koi different facts/views rakhe, iska matalab ye nahi wo galat hi hai, keep you ego aside and accept the fact.

@Aniket Bhai , @vchouksey80 ji kah rahe hain 1 mahine ke liye old rate card lagva dete, kam se kam interest to pura mil jata, itni tension to Na Hoti.

May me to sab gadbad ho hi gaya

 

[Aniket]

News article ka heading padh lo firse, and you shared screenshot not link,

Acha wo edited hai kya? 🤣
Matalb search bhi nahi kara jata keyword dalke pata chal jata na fake hai ya genuine?🤣


Ye lijye links bhi:

IDFC FIRST Bank revises interest rate, terms and features on its credit cards from this date: Check details

IDFC FIRST Bank credit card changes: These changes will take effect on February 20, 2025. Changes include revision of the Annual Percentage Rate (APR), fuel fee & surcharge waiver, statement & payment due date, education fee payments, railway lounge access, add-on card fee, card replacement...

m.economictimes.com

https://www.livemint.com/money/personal-finance/idfc-first-bank-credit-card-updates-new-interest-rates-and-features-starting-february-20-2025-11738831841829.html

 

[Aniket]

@Aniket Bhai , @vchouksey80 ji kah rahe hain 1 mahine ke liye old rate card lagva dete, kam se kam interest to pura mil jata, itni tension to Na Hoti.

May me to sab gadbad ho hi gaya

Inko may 2024 ke anusar interest chahiye 🤣

Search engine use nahi karte acha se aur dusro ko dosh...

 

[vchouksey80]

Acha wo edited hai kya? 🤣
Matalb search bhi nahi kara jata keyword dalke pata chal jata na fake hai ya genuine?🤣


Ye lijye links bhi:

IDFC FIRST Bank revises interest rate, terms and features on its credit cards from this date: Check details

IDFC FIRST Bank credit card changes: These changes will take effect on February 20, 2025. Changes include revision of the Annual Percentage Rate (APR), fuel fee & surcharge waiver, statement & payment due date, education fee payments, railway lounge access, add-on card fee, card replacement...

m.economictimes.com

https://www.livemint.com/money/personal-finance/idfc-first-bank-credit-card-updates-new-interest-rates-and-features-starting-february-20-2025-11738831841829.html

Tumko answer karne ke chakkar me search nahi kar raha, aur yadi thik hai esa hai toh, me man lunga,
Mujhe koi problem nhi mene kaha hai ki yadi mujhe kal hi bank ki website par Feb 25 amendment dikh jata toh me complaint nhi karta

 

[Aniket]

@vchouksey80 Please notice the date in this PDF: https://www.idfcfirstbank.com/conte...tes-on-Savings-Deposits-wef-20th-Feb-2025.pdf

Ye inke anusar edit kar diya gaya 🤣 pehle nahi tha ye haal mein kiya hai

 

[hender]

Om Shanti Shanti Shanti Shanti....

 

[vchouksey80]

Blame game tumse achha koi nhi khel sakta itna toh jan hi gaya hun @Aniket , baki God bless you....

Aap bank ki website refer karoge sbse pahle naki news article dekhte firoge

Inko may 2024 ke anusar interest chahiye 🤣

Search engine use nahi karte acha se aur dusro ko dosh...

 

[Aniket]

Tumko answer karne ke chakkar me search nahi kar raha,

Waah bhai jee kya excuse hai wo links puchne ke jagh search karte na pehle

aur yadi thik hai esa hai toh, me man lunga,

Thik hi hai

Mujhe koi problem nhi mene kaha hai ki yadi mujhe kal hi bank ki website par Feb 25 amendment dikh jata toh me complaint nhi karta

As I have already mentioned, just because aap kisi dusre links click kar liye ya dikh gaya doesn't mean feb 20 ko ammendment nahi huwa tha

Aap April mein hi account khole hain, jo purane bata raha hai toh atleast wo samjhne ka paryash karye...

Ulta sidha bolne lagte hain 😂

 

[Half Human]

Are bro tab se dekh raha hoon 🤣
Basically his case is non maintainable.
Bank is not at fault rather the OP's & yours calculation are incorrect.

Just because BM uninformed/ incompetent hai uska matalab sarein hai kya?

OP is taking interest rate of May 2024 instead of previous once which was applicable for April, i.e of Feb 2025. According to which, interest is correct.

Upto that bal same interest rate is even taken in lastest updated version, which is effective from May 1, 2025.

Bro.

I do appreciate your comment.

Lemme defend myself - I never said anything about the last quarters rate. Frankly I do not know what was the rate last month. Even I have recieved their updated interest rate message yesterday and I know about this only. You shall go through my previous 2 messages, and if you do, please go word by word, and check whether I had mentioned anything of any higher amount or not.

I have done the calculations and all for the current slab, and not the previous to boast of a higher interest demandable, because I do not know what the previous amount was.

I mentioned - 'you are entitled to the interest rate slab of April 2025', and this new slab would be applicable only prospectively and cannot be applied retrospectively.

I also said - this is a simple mistake/scam. That does mean that there is a possibility of a mistake - from the side of either the plaintiff or the defendant.

Yes, I did not that the OP was mentioning to an older slab pdf, and someone else have posted another slab pdf active from February. I conveniently did not mention any of those, because that is my territory of unknown.

Following the steps I had mentioned would have clarified any and all of the misunderstandings.

Now, I do not know, on what pretext you have quoted me. I hope it is just friendly, as I am doing now.

Please go through my previous messages, and be reassured that I have not proactively made a mistake.

Hope we all learn and let learn.

Peace out bro ✌️♥️