I have experienced that hdfc is the one of the best bank in india . Their customer service support is 24* 7 available .their rate of interest & returns of mutual fund is very good .their policy of accidental & health insurance is very good & premium cost is very compare to other bank .i personally felt that when ever I need any help from bank I got instant solution from customers service support they are always there for me instead of visting branches .i experienced with other bank too but they are lethargic to help me that the reason HDFC is the no 1 bank in india .