POTs is basically FD which Jupiter automatically creates while you did transactions from account, I always use break the FD and take the money in my account. I closed my Fi and Jupiter accounts back in 2022 because I basically took them for 0 forex charge thing which they had withdrawn back...
This has also impacted limit enhancements of all banks, every bank has almost frozen the limit enhancements. Standard Chartered has also joined the party and reduced limits of few customers.
I was charged the same in August 2022. Had a long fight with HDFC over it, they denied. I collected all the proofs and complained to RBI Ombudsman. HDFC agreed to pay the amount back.
Uska call mujhe pehle bhi 2 baar aaya review ke liye, main bas kuch na kuch bol deta tha. He said that they are working on some scan and pay stuff in this year and plan to launch a physical card next year. I just kept it. Phir kabhi baagh aaya toh use kar lenge
Raised a request for wallet closure but got a call from CEO asking the reason. I told him I am not using it much, ab usko kon bataye ki main kya kar raha tha. But he convinced me to keep it active as I am a very old customer.