I will share my personal experience here. My dad had taken a mortgage loan from bank of india( borivali branch, mumbai) . In 2014, bank forget to deduct installments which I paid. After 2 years they said that your 2 installments are pending so we are putting your account in npa. My dad argued with the staff that we never missed an installment.there was no positive response. Now, we had to pay fine to remove our account from npa. We paid 95000 rupees as penalty. Bank will not inform you properly about any service so better opt for private banks which has good services. Internet banking of boi is pathetic. Atm availability is quite good in mumbai. I hope that this review will help you. Thank you