State bank of India is a biggest bank in India. I am having Pension as well as savings account with the bank. I will share my experience with savings account. there are long and long queues in front of every window. It take hell of time to complete your task. It may be depositing money, withdrawing money. pass book printing or submitting any document to the bank. You name the task and it will not be completed less than half an hour.
ATM service: Most of the cash depositing ATM, s are always breakdown for months together. Pass book printing machines are also not working/ not working properly. Most of the other bank staff warn customers not to use SBI ATM, s for withdrawal of money as they are not reliable.
Inernet Banking: SBI internet banking is very good.
Customer Service: Toll free numbers are always busy and one havs to try several time to get connection.
Phone banking: I have never used it.