One of the big bank in our country pvt sector bank. as per service concern they can charge high .If you take personal loan from this bank they nice before sanctioning .Thereafter they can add any thing to your loan account if you ask them this our charges .After sanctioning personal loan after paying emi on time they can send mail your emi due kindly pay your emi on time otherwise we can charge is 18% interest .with penal interest .This one of worst experience I had with HDFC bank. I am dealing with bunch of jokers in HDFC Nandanam branch as well