Which Bank is the Best in India? Rate your bank

Decentralized banking is the future. Don’t invest in centralized banks or buy huge number of banking stocks. Banking system may crash. We can’t predict now.

Bank Of Baroda is good

Yes bank – no hidden or unnecessary charges

no dought HDFC BANK

Good efforts made.

Idfc is best

@panchabhut A few days ago my friend got call from an ICICI employee(she clearly stated her employee ID) offering a policy based on credit card with accident/disability/treatment feature. My friend insisted on policy document pdf in email so he can read all the T&C & you know what, she said there is no such “pdf” available. My friend clearly told her that without the pdf of T&C beforehand he will not apply for any policy while she kept on insisting that it is not needed as ICICI won’t refuse any claim & finally gave up when my friend refused to budge. from this point of getting pdf. At one point she even told my friend that “if there was a pdf then why would she even call instead of sending the offer with pdf in email”. This is the reality of things sadly in India. If I had the necessary authority I would have made compulsory an acknowledgement(saying I have read the T&C & won’t make the excuse of not knowing in case of any future dispute regarding claim excl my understanding of T&C vis-à-vis insurance company) email in direct reply to an email with pdf of all T&C attached before issuing any policy.

sri laxmi chit funds bank

I never trust any bank employee, I treat all of them as thugs and transact accordingly, every proposal from a thug gets my refusal

SBI

Or

NOTA

Its SBI no doubt about it

Well I think there is still no match to SBI, very first requitements of a common man is the bank having sustainability, wide network of ATMs and reasonability. In all these aspects SBI has no competitor.
Now the matter with a PSU bank is service. Being a govt bank and the volume they handle, we cannot compare service with small banks. Well SBI has still made best solution to this by introducing best technology in market in terms of mobile banking, net banking and e-corners.

Horror story regarding ICICI, family’s 80 lakh gone down the drain. 😔😔😔

Honestly I don’t have any intention of libel against ICICI. Guys please watch the video. And videos can be biased. But when I heard that a family has lost 80 lakhs by some sort of questionable banking operations maybe, I thought of bringing this thing to the light. Pray, watch the video if possible n tell exactly what went wrong and what could have done to avoid it? 🙏🙏🙏

I never take this corporate banks why because first they will say everything is free after few months they urge charges on separate ideas

Following is my rank:
1. Kotak – privy league has direct dial in
2. Indus ind – good interest rate. Never been to branch for anything
3.Hdfc – though they r digital worst..still seamless online services
4. Idfc – jus opened 3 months bak..so far ok
5. DBS.

Icici is most fraud bank. They just debited pos declined charges of Rs 2000 by some hacked txn and they did not refund even after so many complaints.

I am surprised, both chor banks having worst customer service are rated top . IDFC should be at the top.

In my opinion, HDFC is the best even with their flaws regarding non fulfilment of offers/shitty looking app. They have so many offers that even though one or two is not credited, others would surely compensate and their value is miles above other banks. Their premium accounts, though not much beneficial, have zero debit card fees which gives 750 per month without any hassles for credit card payments, plus there is no non maintenance charge for account.
Their lending facilities are pretty great. They instantly provide Personal Loans, Credit card jumbo loan/insta loan with the best limits. I almost always have 10 lakh insta jumbo loan available for an unforeseen circumstance. For most of the credit card holders, hdfc gives the highest credit limit, best rewarding credit card.
Other banks simply don’t care/don’t want to lend to their customers/have shitty rewarding credit cards.
If you are starting a job, not taking hdfc as your primary account would be a big big mistake. I know a lot of people in my batch with icici/kotak regretting their decisions.
I have idfc/sbi/dbs too. Idfc looks promising and is the only account that I have with free imps, which is pretty handy sometimes. The bad thing about them is upi limit is very less.

I cannot believe axis has 7 percent votes. If anyone has atleast 2 different bank accounts, he should know there is a better bank than axis. Their consolidated charges is a joke. Literally nobody working in the bank is aware of some of the charges related to BNA penalties.

SBI – Safe, ease of branch & atm access.
HDFC – good for salary account, ease of online access and CC.
Indus Ind – Safe, FD interest rate good.
IDFC – Quick online access, best Saving interest rate.

IDFC IS TOP NUMBER 1

Best is so subjective. Idfcfirstbank is best if you want roi, sbi if safety. Everyone has different parameters

….Banks are the worst institution for oppressing the middle class and reward the capitalist.

…those who think that banks are helping us modernize and develop are still not aware of the intent of the modern banks…Money lending business is by nature abusive…..

…my rating is a big 0 to all the banks…

..Those who understand my point…thnx….

..those who think i am wrong…a big thanks….

HDFC bank’s interpretation of digital means all request forms are available on their site which has to be then downloaded, filled up and submitted to their branch. If that fails then you have to again download new forms (different version, same content) and send to Chennai

The rating of a bank will be on the basis of the support.

Worst bank is HDFC.

For every small updation in your credit card account, you have to write a letter to Chennai and wait for their reply.

In my case, I applied for card Upgradation. So, sent a letter to Chennai. They rejected my request without mentioning any reason. Then I wrote email to HDFC, then they asked me to send all the attested documents again through email. So I sent them again.

Now, they said, the employer has changed as per the pay slip. So, they again asked me to fill the physical office address change form and post it to Chennai.

Then they rejected my office address change request saying my permanent address & Office address are in different states and they want me to change my permanent address and asked me to submit a new proof of change in permanent address in order to change the office address.
Who the fxxx changes their permanent address for their dumb axx cards.
In between my card Validity has expired and these dumb people has dispatched the renewed card to old office which is in a different state.

Now, I am planning to file a complaint with RBI regarding the same since there is no such rule to change Permanent address before changing office address.

Next in line is Yes Bank.

Where as SBI, AMEX & ICICI allowed me to change the office address through netbanking/ chat.

Indian bank because 1000 rs minimum balance (used to be 500 before merging) – free international debit card- free another debit card which you can use as a purse/wallet with it’s own seperate saving account linked to main – free net banking – nationalize bank. Also charges same amount as currency conversion rate same as shown on Google search.

Cons- little to no ATM.

I used to wonder if it’s only at my place that Axis bank staff is bad
Now I see it’s bad in most places

Anyone holding account in Bank Of Baroda ??
Any experience??

HDFC Bank is only good for credit cards as it gives regular offers on Amazon/ fk. It’s netbanking is still like 2010.

ICICI Bank is good for amazon pay card for me. I have no experience of account.

SBI netbanking is awesome. Best I would say. Using same password since last 7 years. It never asked to change unlike other banks

Kotak bank is a great choice too. Reasons:
- Netbanking and mobile banking has all features and get updated regularly.
- They quickly issue credit card even to new users if you have their bank account (faster than icici, hdfc).
- If any new feature is announced by HDFC/ ICICI, Kotak joins them next day.
- Kotak bank now also offers debit card EMI
- Kotak cards can be added to Google pay for NFC payments (also supports Axis, SBI, HSBC cards).
- Address can be updated immediately via netbanking in bank using Aadhar OTP once a year.

@ op this poll must have an option of “other banks” because dimers have less choice.

Where’s the Blood Bank?

Connecting with indusind customer care is a nightmare they have chargeable number yet call remains on hold 15-30 minutes before connecting to customer care executive