Which Bank Would You Suggest Your Fellow Dimers to Open an Account in?
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Which Bank is the Best in India? Rate your bank

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Community Angel
drupal
Guys most of us have many bank accounts Some banks are good and some are pathetic If you ask me to rate My choice is 1.ICICI bank 2.HDFC Bank 3.Indusind Bank Rate your bank please let us know which bank is good If we talk about netbanking and iMobile no one can beat ICICI SBI netbanking is also good Even indusind has very good netbanking Any other bank providing features similar to these banks 7465250which-bank-is-best-for-zero-balance-account
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Pro Entertainer Pro Entertainer
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Adani bank 🏦 ,which is coming soon 🤑
Tech Guru Tech Guru
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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.
Tech Guru Tech Guru
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https://cdn0.desidime.com/attachments/photos/672217/medium/Screenshot_2021-03-18-10-14-57-371_com.android.chrome.jpg?1616043092https://cdn0.desidime.com/attachments/photos/672218/medium/Screenshot_2021-03-18-10-16-20-037_com.android.chrome.jpg?1616043116https://cdn0.desidime.com/attachments/photos/672219/medium/Screenshot_2021-03-18-10-17-13-567_com.android.chrome.jpg?1616043133https://cdn0.desidime.com/attachments/photos/672220/medium/Screenshot_2021-03-18-10-18-14-947_com.android.chrome.jpg?1616043152Yayyyy. Logged in. 🐒🐒🐒

https://cdn0.desidime.com/attachments/photos/672221/medium/Screenshot_2021-03-18-10-18-50-260_com.android.chrome_2.jpg?1616043163Proof that I really changed my password.

https://cdn0.desidime.com/attachments/photos/672222/medium/Screenshot_2021-03-18-10-21-12-255_com.google.android.apps.messaging.jpg?1616043192
https://cdn0.desidime.com/attachments/photos/672224/medium/Screenshot_2021-03-18-10-24-07-815_com.google.android.apps.messaging_2.jpg?1616043317
@drupal bhau. Aap problem me tabhi padenge jaab aap profile password bhool jaenge.














Tech Guru Tech Guru
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It was a little stunt though. I won't encourage anyone to do it. But yes, you can change your SBI password, in case you have gotten locked out of your account access, without waiting for 24 hr cool off period. You need either of three things, ATM/Profile password/Branch visit 🐒 and ready access to your cellphone for OTP. Since we want to do it online, either of ATM or Profile Password and OTP would do the job. Steps: 1) get locked out from accessing you account 🐒😈 2) hit forgot login password 3) follow onscreen procedure 4) enjoy 👻👻👻 "@MJ911":https://www.desidime.com/users/...03 "@bumblefoot":https://www.desidime.com/users...78 "@Priyanka":https://www.desidime.com/user...31 "@goss8877":https://www.desidime.com/users...23 "@MrKool_JJ":https://www.desidime.com/users/...01 "@malikcool":https://www.desidime.com/users/...63 "@BubbleBoyChickenLittle":https://www.desidime.com/users/1...07 "@androgame":https://www.desidime.com/users/...51 "@xuseronline":https://www.desidime.com/users...18 "@pingpong":https://www.desidime.com/users/1...21 "@rajrocks":https://www.desidime.com/users/...28 "@AyushiiiVijay":https://www.desidime.com/users/1...40 "@Wontdisplaymyname":https://www.desidime.com/users/...32 "@amdoinggood123":https://www.desidime.com/use...54 "@VaibhavJain":https://www.desidime.com/users/...39 "@guest_999":https://www.desidime.com/users...83 "@mas143forever":https://www.desidime.com/users...29 "@MSDfan":https://www.desidime.com/users/...81 "@drjpatwa":https://www.desidime.com/users...53 "@saucap":https://www.desidime.com/users/...95 "@vijkap201":https://www.desidime.com/users...80 "@Dastro":https://www.desidime.com/users/...89 "@drupal":https://www.desidime.com/users...53 "@sravz86":https://www.desidime.com/users/1...62 "@B-Rabbit":https://www.desidime.com/users/1...76 "@G-Gowda":https://www.desidime.com/users/1...55 "@Nationalist":https://www.desidime.com/users/1...56 "@homedimer":https://www.desidime.com/users/1...38 "@Alexios":https://www.desidime.com/users/...75 "@VaibhavJain":https://www.desidime.com/users/...39 "@Common-Man":https://www.desidime.com/users/...93 "@cocay":https://www.desidime.com/users/1...62 "@rini50":https://www.desidime.com/users/1...39 "@xuseronline":https://www.desidime.com/users...18
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Pro Entertainer Pro Entertainer
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Adani bank 🏦 ,which is coming soon 🤑
Community Angel Community Angel
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Ha ha ha Jio bank is already here

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Tech Guru Tech Guru
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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.
Comrade Comrade
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Vu n kg

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

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

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Community Angel Community Angel
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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
Deal Newbie Deal Newbie
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No one will deactivate your username, it will be locked for 24 hours for security purpose

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Pro Community Angel Pro Community Angel
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Kotak 811 is best for me
Talk-Of-The-Town Talk-Of-The-Town
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It was best when it was giving 6%

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Deal Captain Deal Captain
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Be your own bank by opting for Bitcoin.

Ban Bank

Tech Guru Tech Guru
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smiling_imp smiling_imp smiling_imp
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Deal Subedar Deal Subedar
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SBI not in voting list?

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

Helpful Helpful
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Axis for me

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

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

Deal Cadet Deal Cadet
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Hdfc sucks. Their mobile application is a disaster.

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

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Deal Hunter Deal Hunter
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I’ve only known SBI and axis bank services and axis bank’s staff in Rehabari and Tokobari/Kumarpara branches are filled with school failures (literally) with no brains and zero zeal to learn how to operate a basic computer work.
I’ve no idea how they’re even recruited in the first place.
Absolute trash service.
And one of them is such a horrid fraudster that I told him last month I’ll break his legs if he ever set foot in my parents’ compound.
Mf duped my dad into some bs policies.
Compared to that SBI is okayish and filled with tolerable workers.
In Sbi west guwahati branch, only one clerk is managing the entire lower floor. God bless him.
All of the others keep on pestering him with their works and there is one lady on the 2nd floor, who never works and ignores customer queries.
Must have a strong background to keep up that facade.
UCO was the best. My parents regret closing their accounts there.

Community Angel Community Angel
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Axis bank is most pathetic bank I ever seen, they are worst than sarkari banks, many PSU banks provide better service than Axis bank, They never do any work without making me to visit 2 or 3 times, They keep giving you time Kal Ana parson Ana system nahi chal Raha
Everyday new excuse

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Critic Critic
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As long as branch visit is not required, sbi works good but once you do then it is all downhill. Don't have icici acc but even I know its online services are the best among all banks.
Community Angel Community Angel
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Branch visit in sbi is such a nightmare and for little little things they want you to visit branch ,
They deactivate internet banking completely upon 3 invalid passwords no way to unlock without visiting branch, and non- home branch service ? Don’t even think about it

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Helpful Helpful
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SBI

Deal Cadet Deal Cadet
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Icici bank is good overall.
Hdfc is good for credit card.

Trailblazer Trailblazer
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(Off topic) dbs sent 250 wohoo gv for Nov 20 transaction don’t know when I used dbs anyone received

Deal Cadet Deal Cadet
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Axis bank for me. Priority account holder. Hassle free transaction.

Deal Subedar Deal Subedar
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Why Axis bank got less votes. Any reasons for that, asking bcz I don’t have any banking experience with axis bank.

Benevolent Benevolent
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My primary bank is ICICI since last 21 years. My base branch remains in New Delhi bout have shifted to 5 different cities around the country without any issue. Started with a basic salary account and gradually got upgraded to Wealth Management. Visited a branch only 4 times in the last 10 years, 3 times for change of city & address, 1 time to deposit 500 & 1000 notes after DeMo. My demat/trading account and home loan is also from them. their internet bank is possibly the best among all banks. Overall no complaint.
Now, secondary bank is DBS Digibank since 2016.
Also have account in Axis Bank, Syndicate Bank and SBI, but only for very limited purpose.

Tech Guru Tech Guru
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21 years 😍😍😍

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Tech Guru Tech Guru
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Have only three bank accounts
1. SBI
2. PNB ( Came to PNB from UBI )
3. DBS

I feel SBI is better while others works as well biggrin

Deal Lieutenant Deal Lieutenant
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Public /Govt.banks seedhe muh pe 👋thapad marte hai ,
Private banks Yes Sir , ok sir , Good morning sir etc etc bolke 👋Thapad marte hai.

Kam dono apne suvidha ke hisab se hi karte hai .

Account maintain karna govt .bank mein economical hai , pvt. Bank mein mininmum balance , return charges , yeh charge, woh charge ka charge bharte – bharte apun discharge ho jate hai .

Deal Lieutenant Deal Lieutenant
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Kotak Mahindra bank

Deal Major Deal Major
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can we register online for Bank Of Baroda Internet Banking without debit card details

Community Angel Community Angel
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Yes

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Finance Mentor Finance Mentor
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Soon to be launched Adam Bank. ADani-AMbani joint venture with saffron beard as its logo. Or maybe it would be called BaDaM. Bank of Adani Ambani. Regardless, oil India ka hi niklega

Talk-Of-The-Town Talk-Of-The-Town
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Some of bank have chargeable number which is very expensive to talk. If your waiting period of 10 minutes your charges will be ₹15 when no talk. You have to think before you talk . All unlimited plans fails like ICICI BANK-18601207777
Kotak Mahindra bank-18602662666
Axis Bank-18604195555
IDFC CREDIT CARD-18605001111

Community Angel Community Angel
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For icici you can dial 01133667777 from any operator unlimited plan works

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Deal Subedar Deal Subedar
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Where is poll?
I want to vote for HDFC

Deal Newbie Deal Newbie
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DBS BANK OPTIONS NI DALA

Deal Cadet Deal Cadet
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Vu Kg

Deal Newbie Deal Newbie
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SBI
It’s charges won’t exceed 300 per annum.(International NFC card carges + SMS charges+ zero AMB)
Has vast network of ATM (Even if we exclude “out of service” ones)
YONO has intermitten issues but onlinesbi is quite good.
Has Coin vendor, Kiosk, passbook printing and CDMs at almost all branches.

Axis Bank
Nice mobile app
So many hidden charges
I never experienced downtime in my 2+ years of relationship
Internet banking is just basic with not so many services and options

Talk-Of-The-Town Talk-Of-The-Town
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If you want to stop sms charges, go to
1. For Axis bank, give written request at branch for deactivate sms facility. You will get otp as usual.
2. For Yes bank, talk to customer care, give request for deactivate SMS facility.
3. For HDFC BANK , login your account via internet banking, select SMS ALERT. Now choose option all alerts on emails. Leave sms option. You will get OTP as usual. No sms charges will be levied on you.

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