[jeevand]

Indian banks have their own problems. I have spent lots of time dealing with Indian banks which want me to show up in person to handle certain account issues while i was in US. Security works more by obscurity where you have to provide lots of details, which can be bad if you don't regularly use the accounts. Customer service depends on situation. When i deal with private banks, i will be treated really well (with offer for tea/cold drinks/snacks :) & personal attention from manager. My dad, who deals with public sector banks in rural area tells me that he dreads to go near banks. The managers apparently are super rude, with a condescending attitude towards rural people.