I politely denied for insurance. They were saying compulsory hai, maine kaha account nhi khulwara firr mai 😉indian bank was like took ITR for account opening gave that
after account opening 460 was debited for insurance i was like who gave you permission they told with out insurance they cant open account i said i will complain they said do what ever you want atlast it will come to branch manager and we know how to handel that you will not get refund
then i told apply DC they were unable to do from last 3 days
atlast applied through app that also was after 2-3 times it got done
Always check the forms you are filling.