Countdown begins
SBI's branch manager called me to tell me that my loan is sanctioned and the documents verification/signing is scheduled on 18th Nov at 2PM. Had to take half a day off to go to RACPC on St.Marks Road. Reached there at 1.30 itself. Was waiting, kept on waiting till around 3PM to meet the person who was in charge of my paper work. She apologized for being late as she was caught up in the rain. Found that Rs. 1000/- was already added as SBI life insurance on top of the loan amount. Gosh! I will have to pay interest on this 1000 as well. I did not want the insurance and opted out of it during filling up the form. But there was nothing much left but to sign on the docs with a protest. Had to visit my banker so as to enable ECS. By the time everything go over it was about 5 P.M and she said disbursement will be done next day. Called up the dealer to tell them to collect the cheque + form 20. They started giving some excuses and were insisting that I collect the docs myself.
Went to SBI RACPC today, reached there at 10 PM waiting till 10.30 to meet the same person who process my file. The cheque was not ready as she forgot filling some voucher. Then the section clerks responsible for issuing the chque were not available. Once they came in, the lady(who processed my loan), made sure that I got the disbursement immediately. Got the cheque + form 20 by 11 and left the place.
Well, if you are one with a little less patience, SBI is not for you. If you are used to "Chalega..." attitude, or you can tolerate inefficiency then SBI is the bank for you. Hell lot of paper work, seems like everything there happens on paper. Yes, I am also one of the pampered lot that most of us are, but it was not much of a hassle for me.
Gave the docs + cheque to dealer, registration will happen next week. Will go there and do PDI hopefully on Monday.
Decided not to buy any accessories other than door beading from the dealer, found their prices exorbitant. I was promised sun film and anti-rust coating free. Told them not to put sun film as I found that they are going to put the cheapest quality garware film.
Checked with Favara car accessories (on ITPL road) for my list of accessories, found their quote to be OK. I will take the car to them and get the accessories fitted.
Here's the offer from Favara:
1. Parking sensors - Auto Cop Rs. 1500/-, Red Soul - 2000/- (both are basic ones, dealer quoted 4000/- for Red Soul :O)
2. Seat cover - reasonable quality art leather work is offered at 4K and a better one at 6K(will negotiate further when I I get it done)
3. Steering wheel grip - Rs. 500 (genuine leather one)
4. He has 3M, Garware and Llumar sun control films with him. Didn't check the prices, planning to get that also done by this guy.
To be continued...