Should I double-check if that "59 minutes" is only for in-principle approval, since actual disbursement can take a week? My bank says rates range from 8.5% to 21%. Should I ask for my exact rate before applying?

I see that swing trading could offer better returns, but I’m skeptical. Can a regular person really stay disciplined enough across market cycles without letting emotions take over? Does the significant investment of time and skill actually outperform the simple, "set-it-and-forget-it" reliability of index SIPs?