Hyy frnds.i am gyana .i am saring my own exprience to this review.4 years ago I open a acount in iob in my viilage nerby begunipada branch.its didnt like me .i have going many times in the bank in opening my acounts.he open my acounts I wiil pay 500 rupees.and reopen the ac he return my money.its bank the staff are not good.and the quality are not good.in this bank no depossite machine are available.and the atm are not working properlly.its not a custemer staicfaction.many atm are not available .but the banksa provideds bank loan.agriculter loan.study loan etc.but its facilites are not god.its a international bank .but its wrost in facilites.i also use this becoz in my village no any one bank so we all use it.thanks to