Which Bank Would You Suggest Your Fellow Dimers to Open an Account in?
Poll has expired, here are the final results
Hot Deal

Which Bank is the Best in India? Rate your bank

5007°
Finance Mentor
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
Disclaimer
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

  • Last updated by: drupal
Top Comments
Pro Entertainer Pro Entertainer
Link Copied
Adani bank 🏦 ,which is coming soon 🤑
Investor Guru Investor Guru
Link Copied
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.
Investor Guru Investor Guru
Link Copied


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.














Investor Guru Investor Guru
Link Copied
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
354 Comments  |  
164 Dimers
  • Sort By
Pro Entertainer Pro Entertainer
Link Copied
Adani bank 🏦 ,which is coming soon 🤑
Finance Mentor Finance Mentor
Link Copied

Ha ha ha Jio bank is already here

View 12 more replies
Investor Guru Investor Guru
Link Copied
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
Link Copied

Vu n kg

View 3 more replies
Community Angel Community Angel
Link Copied

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.

View 7 more replies
Finance Mentor Finance Mentor
Link Copied
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
Link Copied

No one will deactivate your username, it will be locked for 24 hours for security purpose

View 36 more replies
Pro Community Angel Pro Community Angel
Link Copied
Kotak 811 is best for me
Talk-Of-The-Town Talk-Of-The-Town
Link Copied

It was best when it was giving 6%

View 2 more replies
Critic Critic
Link Copied

Be your own bank by opting for Bitcoin.

Ban Bank

Investor Guru Investor Guru
Link Copied
smiling_imp smiling_imp smiling_imp
View 1 more reply
Deal Subedar Deal Subedar
Link Copied

SBI not in voting list?

Deal Cadet Deal Cadet
Link Copied

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

Helpful Helpful
Link Copied

Axis for me

Benevolent Benevolent
Link Copied

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

View 3 more replies
Deal Subedar Deal Subedar
Link Copied

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

Deal Cadet Deal Cadet
Link Copied

Hdfc sucks. Their mobile application is a disaster.

Pro Entertainer Pro Entertainer
Link Copied

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

View 2 more replies
Deal Hunter Deal Hunter
Link Copied

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.

Finance Mentor Finance Mentor
Link Copied

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

View 2 more replies
Critic Critic
Link Copied
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.
Critic Critic
Link Copied
@drupal

That is why I have asked some friends of mine with sbi acc to write down their internet banking userid/password in a diary, better to wait till they reach home instead of entering wrong info 3 times outside home & get locked out of internet banking.

View 12 more replies
Helpful Helpful
Link Copied

SBI

Deal Cadet Deal Cadet
Link Copied

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

Trailblazer Trailblazer
Link Copied

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

Deal Cadet Deal Cadet
Link Copied

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

Deal Subedar Deal Subedar
Link Copied

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

Benevolent Benevolent
Link Copied

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.

Investor Guru Investor Guru
Link Copied

21 years 😍😍😍

View 9 more replies
Tech Guru Tech Guru
Link Copied

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
Link Copied

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
Link Copied

Kotak Mahindra bank

Deal Major Deal Major
Link Copied

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

Finance Mentor Finance Mentor
Link Copied

Yes

View 1 more reply
Finance Mentor Finance Mentor
Link Copied
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
Link Copied

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

Finance Mentor Finance Mentor
Link Copied

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

View 4 more replies
Deal Subedar Deal Subedar
Link Copied

Where is poll?
I want to vote for HDFC

Deal Newbie Deal Newbie
Link Copied

DBS BANK OPTIONS NI DALA

Deal Cadet Deal Cadet
Link Copied

Vu Kg

Deal Newbie Deal Newbie
Link Copied

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
Link Copied

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.

View 5 more replies
replyuser
Click here to reply
Reply