Which Bank is the Best in India? Rate your bank

Adani bank 🏦 ,which is coming soon 🤑

rajarew wrote:

Adani bank 🏦 ,which is coming soon 🤑

Ha ha ha Jio bank is already here

drupal wrote:

Ha ha ha Jio bank is already here

Dude you are mentioning another bank which is going to stand tall.we both are correct 😁.finally all banks you mentioned in poll will merge into these two banks.it’s like motera(nmd) stadium having two ends → ambani ebd ,adani end .

rajarew wrote:

Dude you are mentioning another bank which is going to stand tall.we both are correct 😁.finally all banks you mentioned in poll will merge into these two banks.it’s like motera(nmd) stadium having two ends → ambani ebd ,adani end .

Ambani and Adani Bank

I will not consider interest rate as banks’ job is to give a safe haven for hard earned money. Promotional high interest rate has to go down.

There are couple of factors we need to see to choose a best bank account in my honest opinion. Being listed in scheduled commercial bank list is of paramount importance.

1) Number of Branches
More number of branches means we can access our bank from different locations. That ensures seamless banking. One might argue, since netbanking is on the rise we don’t need offline branches. But not all people do possess the resources we have at our disposal. And some problems can be rectified by visiting a bank branch. There is also this psychological impact.

2) Density of the branches
I just made up this number 🐒🐒🐒🐒. This number implies Total number of branches/number of states in India.

3) MAB
It is self explanatory.

4) Available online/offline services
This includes money transfer services, ATM services, availability of different variants of cards, UX of web n mobile apps, ease of access to customer services, customer feedback on different platforms, ASBA facility for IPO application (total 25 banks https://www.sebi.gov.in/sebiweb/other/OtherActi...), loan availing facility, number of ATMS etc

5) NPA
found this https://dbie.rbi.org.in/DBIE/dbie.rbi?site=publ... . It is too hectic to decipher.

So, SBI naturally comes at top. Why?
22,141 branches, that is 615 branches per state(Branch Density), which is factually incorrect. Odisha has 780 SBI branches, Assam has 470 branches, Manipur has 50 branches, Mizoram has 48 branches, Nagaland has 75 branches, Meghalaya has 102 branches, Arunachal Pradesh has 65 branches etc. Those last 6 states are the most forgotten states in India in my observation. So, from Kashmir to Kanyakumari and from Rajasthan to Arunachal Pradesh, SBI has its footprint. Basic Banking facility can be available from with ease to with extremely difficulties(but those places have no other branch than SBI). Then assorted Cards are available. Netbanking, Yono are there. ASBA is available. Since a lot of people are SBI customers, people tend to ask silly questions and hence SBI staffs may be suffer from some sort of emotional thing. Online account opening is available. Customer support is garbage. For basic banking facility nobody beats SBI. MAB is 0 for the time being, that also means more people can open account there.

bikidas2060 wrote:
@malikcool @MrKool_JJ @AyushiiiVijay @rini50 @rajrocks @amdoinggood123 @mas143forever @bumblefoot @BubbleBoyChickenLittle @panchabhut @badkarma @Alexios @RowdyAK47 @homedimer @MJ911 @cadence @guest_999 @Topsey @Simbha3 @Mufasa @Wontdisplaymyname @B-Rabbit @G-Gowda @topgear @Common-man @cocay @pingpong @Himanshu1234567 @_One_Miller_

I voted for Icici bank. Not faced any major trouble yet

We have 4 Wealth management account. Smooth experience till now and hopefully in future as well.

In terms of availability of branches no one can beat public sector banks, but for every other thing branch visit is required,
In SBI if your netbanking password entered wrong three times they deactivate username and cannot be activated without visiting branch, while other Banks providing unlock facility online

Kotak 811 is best for me

Be your own bank by opting for Bitcoin.

Ban Bank

Cody wrote:

Be your own bank by opting for Bitcoin.

Ban Bank

RowdyAK47 wrote:

I voted for Icici bank. Not faced any major trouble yet

We have 4 Wealth management account. Smooth experience till now and hopefully in future as well.

My Vote goes to I See I See I. Not faced any such big issue.

bikidas2060 wrote:
@malikcool @MrKool_JJ @AyushiiiVijay @rini50 @rajrocks @amdoinggood123 @mas143forever @bumblefoot @BubbleBoyChickenLittle @panchabhut @badkarma @Alexios @RowdyAK47 @homedimer @MJ911 @cadence @guest_999 @Topsey @Simbha3 @Mufasa @Wontdisplaymyname @B-Rabbit @G-Gowda @topgear @Common-man @cocay @pingpong @Himanshu1234567 @_One_Miller_

1 think is for sure that Axis will get the least vote

SBI not in voting list?

RowdyAK47 wrote:

1 think is for sure that Axis will get the least vote

Kyu bhai ?? ab toh card bhi activate ho gya hai aapka

silentOBSERVER wrote:

Kyu bhai ?? ab toh card bhi activate ho gya hai aapka

See the pole bro, many have faced the heat and closed the account. Undue charges and poor customer support is the reason I refrained from opening an account with Axis

If AU bank has presence in your area then it’s the best. Else icici

Axis for me

Hdfc is never the best it provides services but do not fullfill it

bikidas2060 wrote:
@malikcool @MrKool_JJ @AyushiiiVijay @rini50 @rajrocks @amdoinggood123 @mas143forever @bumblefoot @BubbleBoyChickenLittle @panchabhut @badkarma @Alexios @RowdyAK47 @homedimer @MJ911 @cadence @guest_999 @Topsey @Simbha3 @Mufasa @Wontdisplaymyname @B-Rabbit @G-Gowda @topgear @Common-man @cocay @pingpong @Himanshu1234567 @_One_Miller_

I support NCB (NaMo cooperative bank )
I have personally had some or the other bad experiences with all leading banks like hdfc/icici. All of them are good (HDFC/Icici etc are more customer eccentric so that’s a plus point)

@saucap @vijkap201

B3A5T wrote:

Axis for me

Axis chor tha/hai/aur rahega
PS – I am tired of typing this everywhere lol

bikidas2060 wrote:

@saucap @vijkap201

Itna dhann hi nahi hai ki adhikosh sthalon ki tulna kar paye… Issliye meri taraf se koi tippani nahi…

MrKool_JJ wrote:

Axis chor tha/hai/aur rahega

😆

vijkap201 wrote:

Itna dhann hi nahi hai ki adhikosh sthalon ki tulna kar paye… Issliye meri taraf se koi tippani nahi…

chalo bhai BikiVij bank kholen.

rajarew wrote:

Dude you are mentioning another bank which is going to stand tall.we both are correct 😁.finally all banks you mentioned in poll will merge into these two banks.it’s like motera(nmd) stadium having two ends → ambani ebd ,adani end .

At the time of the jio Bank launch I heard about the tie up between SBI and Jio bank, seems they postponed it a little bit

drupal wrote:

Ha ha ha Jio bank is already here

Both adani and ambani banks has the risks of taking away the money to their secret offshore accounts for themselves
Btw is there any banks that gives good interest currently?

rini50 wrote:

Both adani and ambani banks has the risks of taking away the money to their secret offshore accounts for themselves
Btw is there any banks that gives good interest currently?

Idfc and Indusind

drupal wrote:

At the time of the jio Bank launch I heard about the tie up between SBI and Jio bank, seems they postponed it a little bit

Now no tie-up’s.only merges 💪