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Indeed, it takes a lot of effort to be this inefficient no? Heera hai aapka RM.

Axis CC credited this evening, so took about 1.5 days.

When it was failing for me, it was not even reaching the OTP page, so might be a different issue for you.

In summary, added axis and amex cards, both were showing as verification pending. Was able to make a payment to Axis after 2 hours of registration and amex after 24 hours. Both payment amounts were of Rs. 100. Will update on how long the amount took to reflect in the respective card accounts...

Tried amex after 24 hrs and that also went through

My Axis went through when in pending state after 2 hours. Maybe it is because of the amount. Had paid Rs 100 as a test.

Axis went through after 2 hrs, but amex did not. will update once 24 hrs have passed.

Lol, that is still an asset for the Bank, smart loan/homesaver basically means that the loan outstanding is reduced for the time that you have parked funds there so you pay less interest. It is still a loan on the Banks books.

They mean to say liability for the Bank, any deposits that we make with the bank are classified as liabilities for them. Loans, on the other hand, are considered assets for the Bank so a home loan will not be considered under the category mentioned above.

Nope. Only Liability and Investment Relationship will be considered. Not loans.

No, it has to be maintained at a family level. So if you dad is maintaining the requisite balance, you need not maintain anything. They may ask you to fund the account for 1 lac or so within 10 days of opening, but this amount can be funded and then transferred out.