Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[cardio_guycardio_guy is verified member.]

Unless branch people are incompetent, you should get approval for EPM.

ICICI's biggest curse is their highly incompetent branch staff.

 

[Slayer]

Went to my branch WM guy - he mentioned PPOP 🤣🤣

 

[pranjal1984]

Went to my branch WM guy - he mentioned PPOP 🤣🤣

Same in my branch. I think those Branches which do not have confidence in the strength of their recommendation to state heads and other officials, insist for PPOP criteria.

 

[Slayer]

Same in my branch. I think those Branches which do not have confidence in the strength of their recommendation to state heads and other officials, insist for PPOP criteria.

I also have a different problem
ITR is above 50 but fixed net draw per month is little bit less than 2.4

 

[shashank08]

I also have a different problem
ITR is above 50 but fixed net draw per month is little bit less than 2.4

This problem you will find with most of the US MNCs..
My this year's form 16 have 64L as earnings but net salary credit is 2.8LPM.

 

[Aniket Sharma]

Went to my branch WM guy - he mentioned PPOP 🤣🤣

Send them your maximum expending months statement to them

 

[Slayer]

Send them your maximum expending months statement to them

My guy won’t budge
Can you share your guy’s number?

Spends on CC is very high (mostly self(

 

[Aniket Sharma]

My guy won’t budge
Can you share your guy’s number?

Spends on CC is very high (mostly self(

He's also not supporting and I am in wfh, so he's not willing also and asking for atleast 2.7l/m salary, i told him that my expenditure for last month from cc is 3.5l, still he said one month statement isn't enough, needed atleast 6 month.

I said in simple words fck off icici

 

[pranjal1984]

He's also not supporting and I am in wfh, so he's not willing also and asking for atleast 2.7l/m salary, i told him that my expenditure for last month from cc is 3.5l, still he said one month statement isn't enough, needed atleast 6 month.

I said in simple words fck off icici

Different banks different rules.

 

[Slayer]

He's also not supporting and I am in wfh, so he's not willing also and asking for atleast 2.7l/m salary, i told him that my expenditure for last month from cc is 3.5l, still he said one month statement isn't enough, needed atleast 6 month.

I said in simple words fck off icici

I can show >10L spends in 3 different cards in the last 6 months

 

[Aniket Sharma]

I can show >10L spends in 3 different cards in the last 6 months

Bro, I too can but if anybody don't want, forcing them will not give results.

He again told me if this will be for six months means he need a total of 18-20 lakhs spends from cc in past 6 months.

For showing off them the cc expenditures, we never want ITR Notices.

 

[Slayer]

Bro, I too can but if anybody don't want, forcing them will not give results.

He again told me if this will be for six months means he need a total of 18-20 lakhs spends from cc in past 6 months.

For showing off them the cc expenditures, we never want ITR Notices.

Fair point

20L CC spends in last 6 months is quite a lot on a single card

 

[shashank08]

Today I went to nearest ICICI branch for EPM and he asked salary and existing card limit and he told it can be approved for me and put the application for the approval.

Person, whom I met, called today and told that approvals have been received and Credit card has been applied. I received the digital application form as well.

How much time it usually takes in application approval and finally getting the card?

 

[theXfactor]

Person, whom I met, called today and told that approvals have been received and Credit card has been applied. I received the digital application form as well.

How much time it usually takes in application approval and finally getting the card?

Digital application form? Heard first time.

 

[shashank08]

Digital application form? Heard first time.

I meant application form in PDF format on my mail ID..

 

[pranjal1984]

The digital application is auto mailed to customer if the loan proposal is entered in iLens application by Bank staff. I also got it when my Personal loan was sanctioned in last December

 

[cardio_guycardio_guy is verified member.]

Out of no where an ICICI RM from Whitefield called me and asked if I needed any help on bank account etc.
I asked questions about Family360, WM upgrade etc. And also asked about EPM eligibility,
I told him that now the salary requirement is 2.4, but mine is 2 only, will he be able to do?
He told yes, get one salary credited in the account and contact him, he will give it a try.

Looks like 2.4 is not a hard cut off, 2+ people can still try. (Somewhat similar to when it was 3, people with 2.7+ were still getting)

 

[BVCBVC is verified member.]

Out of no where an ICICI RM from Whitefield called me and asked if I needed any help on bank account etc.
I asked questions about Family360, WM upgrade etc. And also asked about EPM eligibility,
I told him that now the salary requirement is 2.4, but mine is 2 only, will he be able to do?
He told yes, get one salary credited in the account and contact him, he will give it a try.

Good to see he's gonna try.

Looks like 2.4 is not a hard cut off, 2+ people can still try. (Somewhat similar to when it was 3, people with 2.7+ were still getting)

Share the outcome once it's done.

 

[Sid1094]

Out of no where an ICICI RM from Whitefield called me and asked if I needed any help on bank account etc.
I asked questions about Family360, WM upgrade etc. And also asked about EPM eligibility,
I told him that now the salary requirement is 2.4, but mine is 2 only, will he be able to do?
He told yes, get one salary credited in the account and contact him, he will give it a try.

Looks like 2.4 is not a hard cut off, 2+ people can still try. (Somewhat similar to when it was 3, people with 2.7+ were still getting)

Make sure they apply for epm and not emeralde pvc. My rm initially agreed on applying for epm but later applied for emeralde pvc. Said he was talking about epvc only 🤣

 

[cardio_guycardio_guy is verified member.]

Make sure they apply for epm and not emeralde pvc. My rm initially agreed on applying for epm but later applied for emeralde pvc. Said he was talking about epvc only 🤣

Yes. good catch. Will remind that.