https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7517299
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.
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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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
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We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Deal Wiki
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Created by : bikidas2060
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.
Top Comments
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7517437
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.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7517635
I never take this corporate banks why because first they will say everything is free after few months they urge charges on separate ideas
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7545868
Horror story regarding ICICI, family’s 80 lakh gone down the drain. 😔😔😔
@drupal @guest_999 @A.M.A.Z.O @MrKool_JJ @malikcool @rini50 @shoaibmax @AyushiiiVijay @ramadesidime @Wontdisplaymyname @MJ911 @bumblefoot @Rosh_0007 @Alexios @badkarma @Wander-lust @Total_Fun @andromeda @SIMMBA @Common-man @deb3l @panchabhut
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? 🙏🙏🙏
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7546081
Many bank insiders are now into this kind of frauds. From SBI, axis, hdfc, pnb and now icici.
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https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7546141
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.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7546240
SBI
Or
NOTA
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7546510
Same .. idfc guys were chasing me for their insurance and in call saying sir its better than mf,fd , it’s tax free lmao.. not a single time mentioned its life insurance that too from bajaj n all.
Thankfully to dimers assistance i came to know about their scam and just refused it.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7546786
sri laxmi chit funds bank
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7546975
@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.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7547389
What was the number from which call was received? Was it mobile or landline? ICICI Bank employees are not permitted to call from mobile numbers except RM. Shhe has stated a number and claimed it to be ICICI Bank employee ID. But is there any mechanism to verify it? Otherwise, how do we decide whether it is genuine or fake? ICICI always send Insurance offers by mail. If it does not come by mail, then it is not an official offer.
As a basic rule, one must always remember that no Banks in India are legally permitted to have insurance or mutual funds business. If its insurance or mutual funds, then it is not a bank product. That is always actually offered by a third party. Any bank person who offers non-banking projects should be politely told to go to hell.
Also there is no legal entity called ICICI. There is ICICI Bank, ICICI Prudential, ICICI Lombard and ICICI Securities (ICICI Direct). All are separate legal entities. So anyone who calls and says that she is calling from “ICICI” without specifying which entity, that person should immediately be asked to go to hell.
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https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7547683
Idfc is best
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7549223
Good efforts made.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7549232
no dought HDFC BANK
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7584500
Yes bank – no hidden or unnecessary charges
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7584895
Bank Of Baroda is good
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7867092
Good luck reporting frauds on such systems…
Customer will always end up on loosing side
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7619792
Paytm payments bank 
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620084
In terms of customer service definitely one of the worst is SBI. Practically non-existent.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620141
I am planning to open some Neo bank accounts to start FDs / savings bank accounts with high interest rates. Any suggestions which ones ? NiyoX is evidently giving 6% plus
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620245
Sbi is worst
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620351
SBI is the best, they will not allow you to forget your branch location….. (You will have to keep going back always 
)
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7623665
Branch visit is most painful thing specially in SBI ,
that’s why Payment banks are better they solve problems on mail itself,
I am using paytm bank and Airtel bank for many years better than SBI, Axis Indusind and idfck where you will be forced to keep lingering in branch for trivial works
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620427
IDFC is good bank, at least me & my friends never faced any issue there other than usual tech related issue like something not working in app sometime which is there in all other banks too. Of course there is no such thing as “100%” guaranteed good bank but from all the comments here/personal experience I can say that axis bank is costlier(keeping same amount in other banks similar accounts) & has relatively poor service.
P.S. Many negative reviews here are related to people not getting their choice of credit card from bank & has nothing to do with their banking services.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620437
PS: This is your another assumption among thousands of other assumptions
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https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620438
Using citi, haven’t faced any issue
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620525
IDBI IS BEST
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7620594
try paytm payments bank…. not faced any issue
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7656579
Why I am not able to add money in binance using hdfc debit card even when I enabled international use ?
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7656637
Quite happy with IDFC till now. Good banking experience with them.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7656881
For online Paytm Payments Bank is the best.
For offline IDFC Bank and DBS is best.
https://www.desidime.com/discussions/which-bank-is-best-rate-your-bank?page=4#post_7866965
HDFC
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