HDFC may have fancy technology and MBAs working for them
but they still retain the legacy of nationalized banks of
poor human interface. As long as you don’t need to deal
with bank employees you are ok but the moment the human
interface comes, things start going downhill. In my
experience with the Noida branch I found the bank employees
(except a couple of them) including the manager lacking
basic etiquette. Nobody there believes in picking up phones
but everybody believes in talking like they are your boss.
They expect you to call PhoneBanking but their welcome
package doesn’t include the customer ID which is essential
to get started with PhoneBanking.