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.