State Bank of India, the country’s largest public sector bank, offers a wide range of banking services from savings accounts to home loans and digital banking. With a vast branch and ATM network across urban and rural India, it ensures strong accessibility. SBI’s services are generally reliable and secure, but many users face long wait times, bureaucratic procedures, and inconsistent customer service, especially at physical branches. While the YONO app has improved digital banking convenience, occasional technical glitches still occur. Overall, SBI is a trustworthy bank with deep reach, but it still lags behind private banks in terms of speed and user experience.