This is my father’s experience because he is taking one house loan from HDFC bank.we did loan from this bank for our new house construction that time lots of document needed for this loans my father did very hard to ll documents submit because due holidays and delay process of government officers.so finally he could get this loans and we are take up to 10 lakhs. now a days if u have to some problems and u didn’t deposit to one EMI then their staffs will come to our home suddenly this systems is bad for persons eho got loans from HDFC bank.its customer service is good bt customer staffs not satisfy and it have also rare atm’s in rural areas.i didn’t use use phone banking. so overall this banks only for loan.