Hii Guys I am sharing my experience with this bank. the bank does not have their own ATM. They collaborate with UBI and the number of branches is rare. It is not a digitalized bank and the staff are not friendly and they are very few in number in each branch compare to other banks. phone banking is not available. especially for the most cases, the staffs of this bank do not sanction the withdrawal if the branch is not the home branch of the customer. So I don’t recommend anyone to open a bank account in this bank.